Finding cheap auto insurance for a GMC Sierra in Georgia relies on a lot of rating criteria such as whether you are a homeower, if you have recent claims, and your choice of deductibles. Drivers pay on average $1,262 a year to insure their Sierra, but that price is a projection using a 50-year-old single male driver with full coverage and $500 deductibles.
The problem with using this number is the good chance you may not be 50 years old (or even male), maybe you are married instead of single, or maybe you're a renter instead of a homeowner. Different coverage needs are the reason why the only real way to find cheap car insurance rates for your GMC is to just take the time to compare rates yourself.
The specific model of Sierra can impact the cost of insurance, so the price you will pay to insure a Sierra SLE Regular Cab 2WD trim level will be $208 lower than the insurance cost for the more expensive Sierra Denali Crew Cab 4WD model, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra SLE Regular Cab 2WD||$212||$426||$444||$26||$134||$1,242||$104|
|Sierra SL Extended Cab 2WD||$212||$426||$444||$26||$134||$1,242||$104|
|Sierra SLE Crew Cab 2WD||$212||$426||$444||$26||$134||$1,242||$104|
|Sierra SL Crew Cab 2WD||$240||$502||$444||$26||$134||$1,346||$112|
|Sierra SLE Crew Cab 2WD||$240||$502||$444||$26||$134||$1,346||$112|
|Sierra SLE Regular Cab 4WD||$240||$502||$444||$26||$134||$1,346||$112|
|Sierra SLE Extended Cab 4WD||$240||$502||$444||$26||$134||$1,346||$112|
|Sierra SLE Crew Cab 4WD||$240||$502||$444||$26||$134||$1,346||$112|
|Sierra SLT Extended Cab 2WD||$240||$502||$444||$26||$134||$1,346||$112|
|Sierra SL Crew Cab 4WD||$240||$502||$444||$26||$134||$1,346||$112|
|Sierra SLT Extended Cab 4WD||$240||$502||$444||$26||$134||$1,346||$112|
|Sierra SLT Crew Cab 2WD||$240||$502||$444||$26||$134||$1,346||$112|
|Sierra SLT Crew Cab 4WD||$268||$578||$444||$26||$134||$1,450||$121|
|Sierra Denali Crew Cab 2WD||$268||$578||$444||$26||$134||$1,450||$121|
|Sierra Denali Crew Cab 4WD||$268||$578||$444||$26||$134||$1,450||$121|
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Estimates do not factor in garaging location in Atlanta which can raise or lower coverage prices noticeably.
Best insurance company in Georgia
Choosing a good quality auto insurance company is difficult considering how many different companies there are to choose from in Atlanta. The company ratings listed below could help you pick which car insurance providers to look at when shopping your coverage around. The ratings below are for large nationwide companies, so smaller regional companies will not be included in the list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
The illustration below illustrates how your choice of deductibles can change insurance prices when researching cheap insurance for a GMC Sierra. The premium estimates are based on a married female driver, full coverage, and no discounts are taken into consideration.
In the chart above, a 40-year-old driver could lower rates by $374 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $564 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old category, could shave as much as $930 each year just by choosing higher deductibles when buying full coverage. If you do decide to increase your deductibles, it is essential to have enough in a savings account to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Discount Atlanta auto insurance
Auto insurance companies that sell policies for a GMC Sierra may also give you special discounts that could lower prices by as much as 35% if you meet certain criteria. A few of the larger companies and some of the premium reductions they offer can be read below.
- Progressive may include discounts for online quote discount, good student, multi-policy, homeowner, online signing, continuous coverage, and multi-vehicle.
- The Hartford includes discounts for good student, bundle, anti-theft, vehicle fuel type, and air bag.
- Mercury Insurance may offer discounts for multi-car, type of vehicle, age of vehicle, location of vehicle, anti-theft, and low natural disaster claims.
- GEICO offers premium reductions for five-year accident-free, seat belt use, multi-vehicle, daytime running lights, and membership and employees.
- AAA discounts include education and occupation, multi-car, AAA membership discount, pay-in-full, anti-theft, and good driver.
- State Farm policyholders can earn discounts including student away at school, Drive Safe & Save, Steer Clear safe driver discount, good driver, anti-theft, defensive driving training, and driver's education.
The chart below compares insurance rates with and without discounts applied to the policy rates. The premiums are based on a female driver, no driving violations, no at-fault accidents, Georgia state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with homeowner, passive restraint, multiple policy, multiple vehicle, anti-theft, and defensive driving course discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on insurance for a GMC Sierra is 28% or $589.
Rate increases following a ticket or accident
A great way to obtain low insurance prices for a Sierra pickup is to be a safe driver and avoid traffic citations and accidents. The illustration below demonstrates how citations and at-fault collisions raise insurance costs for each age group. The premiums are based on a single male driver, full physical damage coverage, $500 deductibles, and no discounts are applied.
The data above shows the average cost of a car insurance policy per year with a clean driving record and no accidents is $2,367. Add in one speeding ticket and the average cost swells to $2,668, an increase of $301 each year. Next add one accident along with the one speeding ticket and the 12-month cost of insurance for a GMC Sierra goes up to an average of $3,513. That's an increase of $1,146, or $95 per month, just for not driving attentively!