View 2006 GMC Sierra 2500HD Insurance Quotes

Consumers who are new to the process of comparing rates online could find shopping for the cheapest insurance coverage quite challenging.

Where Can I Get Cheap Auto Insurance?

When shopping for auto insurance there are multiple ways of comparing rate quotes from local auto insurance companies. The easiest way by far to find the cheapest 2006 GMC Sierra 2500HD insurance rates is to perform an online rate comparison. It is quite easy and can be accomplished in several different ways.

One of the simplest ways to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This easy form prevents you from having to do a different quote for every auto insurance company. Just one form gets rate comparisons direct from many companies. Recommended for those who want to invest the least amount of time.

A different way to get quotes online requires a trip to each individual company website to complete their respective quote request forms. For sake of this example, we’ll pretend you want comparison quotes from Auto-Owners, Esurance and Progressive. To find out each rate you need to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular.

For a list of links to companies insuring cars in your area, click here.

The least recommended method to compare rates is to spend your day driving to insurance agents’ offices. The ability to buy insurance online eliminates the need for an insurance agent unless you want the trained guidance that only a license agent can provide. Drivers can comparison shop your insurance online but still have the advice of a local agent. We’ll cover that shortly.

Whichever method you choose, double check that you are using the exact same information with every price quote. If you use higher or lower deductibles you can’t possibly make a fair comparison for your GMC Sierra 2500HD. Quoting even small variations in coverages can result in a big premium difference. And when price shopping your coverage, having more price comparisons provides better odds of finding a lower rate.

Pay less by taking advantage of discounts

Auto insurance companies don’t list all available discounts in a way that’s easy to find, so the following is a list of some of the best known and the more hidden discounts you could be receiving.

  • Accident Forgiveness – Certain companies permit an accident without raising rates if your claims history is clear for a particular time prior to the accident.
  • Drive Less and Save – Driving fewer miles can earn discounted rates on garaged vehicles.
  • Multiple Vehicles – Insuring multiple vehicles with the same company could earn a price break for each car.
  • Sign Early and Save – Select companies give a discount for buying a policy prior to your current policy expiring. It can save you around 10%.
  • Discount for Good Grades – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
  • Defensive Driver – Taking a course in driver safety could possibly earn you a 5% discount depending on where you live.
  • Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • New Vehicle Savings – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Homeowners Pay Less – Owning a home can save you money because maintaining a house shows financial diligence.
  • Federal Employees – Employees or retirees of the government could cut as much as 10% off on SierraHD insurance depending on your company.

Keep in mind that most discount credits are not given the the whole policy. Most cut specific coverage prices like comp or med pay. Even though it may seem like you could get a free car insurance policy, you won’t be that lucky.

For a list of insurers who offer car insurance discounts, click this link.

Your coverage should be tailored to you

When choosing coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every situation is different.

For example, these questions can help discover whether your personal situation would benefit from an agent’s advice.

  • Am I covered when driving a rental car?
  • Am I covered if I hit a deer?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • When can I cancel my policy?
  • Are my friends covered when driving my car?
  • Should I have combined single limit or split liability limits?
  • Which companies will insure high-risk drivers?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Pieces of the GMC Sierra 2500HD insurance rate puzzle

Consumers need to have an understanding of the different types of things that go into determining the rates you pay for car insurance. Understanding what impacts premium levels helps enable you to make changes that will entitle you to much lower annual insurance costs.

  • Lower rates with optional equipment – Owning a car that has an advanced theft prevention system can save you a little every year. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.
  • Liability insurance protects assets – The liability section of your policy provides coverage when you are found to be at fault for personal injury or accident damage. Liability insurance provides legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Males pay more for insurance – Statistics show women are more cautious behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Both sexes tend to get into accidents in similar numbers, but the males tend to have more serious accidents. They also get more serious tickets such as DWI and reckless driving.
  • Your age impacts your rates – Young drivers have a tendency to be more careless behind the wheel so they pay higher car insurance rates. Adding a youthful driver onto your car insurance can really hurt. Older drivers are viewed as being more responsible, tend to cause fewer accidents and get fewer tickets.
  • Adjust deductibles and save – Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your GMC from damage. Examples of covered claims are collision with another vehicle, collision with an animal, and burglary. Physical damage deductibles are the amount of money you are willing to pay out-of-pocket in the event of a claim. The higher the amount you’re willing to pay, the less your car insurance will be on SierraHD insurance.
  • Safer cars are cheaper to insure – Safer cars are cheaper to insure. Safe vehicles reduce injuries and better occupant protection means lower claim amounts passed on to you as lower rates. If the GMC Sierra 2500HD scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • High credit ratings translate to low rates – Your credit history is a large factor in determining your rates. So if your credit rating is not that good, you could pay less to insure your 2006 GMC Sierra 2500HD by improving your rating. Consumers who have excellent credit tend to be less risk to insure as compared to drivers with lower credit scores.

Coverage specifics

Understanding the coverages of your policy can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive auto coverage

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from flooding, damage from getting keyed, fire damage, rock chips in glass and vandalism. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as nursing services, X-ray expenses and ambulance fees. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Auto liability

Liability coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as repair costs for stationary objects, loss of income, funeral expenses and medical services. How much coverage you buy is your choice, but consider buying as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 2006 GMC Sierra 2500HD.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Collision insurance

Collision insurance pays for damage to your Sierra 2500HD from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like rolling your car, sustaining damage from a pot hole, crashing into a building, colliding with a tree and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Spend less. Save more.

People switch companies for many reasons like lack of trust in their agent, unfair underwriting practices, not issuing a premium refund or high prices. Regardless of your reason, finding a new company is actually quite simple.

As you prepare to switch companies, don’t be tempted to skimp on coverage in order to save money. In many cases, someone dropped liability coverage limits only to regret that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.

We just covered many tips how you can save on 2006 GMC Sierra 2500HD insurance. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. Drivers may discover the lowest rates come from some of the lesser-known companies.

More detailed car insurance information is available at these sites: