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GMC Sierra 1500HD Classic Insurance Rates

You have many choices when attempting to insure your GMC vehicle. You can buy from your neighborhood insurance agent or shop online to compare insurance costs of many different auto insurance companies. Buying auto insurance through online rate quotes is easy, in addition you will probably save money.

People who are new to comparing rates may think finding affordable Sierra 1500HD Classic insurance is going to be difficult. Getting cheaper insurance rates can be surprisingly simple. The only requirement is to invest a few minutes comparing rates from different insurance companies. This can be accomplished by getting a quick quote here.

Criteria which help determine car insurance premiums

Insurance rates paid to insure a GMC Sierra 1500HD Classic can fluctuate considerably based upon several criteria. A few of these criteria are:

  • The performance level of your Sierra 1500HD Classic
  • Accidents raise premiums
  • Multiple policies can save money
  • How you use your vehicle
  • Young drivers cost more
  • Being married may save money
  • Optional coverages like vehicle replacement
  • No claims lowers premiums
  • Having current coverage saves
  • Owning a home can lower rates

One last important factor that helps determine the rate you pay on your GMC is the year of manufacture. Models that are new cost more so repair costs are higher which may result in higher rates. On the flip side, more recent GMC vehicles may have options like autonomous braking, an advanced theft deterrent system, a telematics system, and adaptive headlights which may help offset higher rates.

For you to have a better understanding of how much rates will be for your vehicle, select the year of your Sierra 1500HD Classic from the following list.

Auto liability

Liability insurance will cover injuries or damage you cause to a person or their property in an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so purchase as high a limit as you can afford.

Auto collision coverage

Collision insurance will pay to fix damage to your GMC from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper Sierra 1500HD Classic insurance rates.

Comprehensive auto coverage

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The most a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when other motorists are uninsured or don't have enough coverage. Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like ambulance fees, surgery, and doctor visits. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. PIP is only offered in select states and may carry a deductible.

How Much are GMC Sierra 1500HD Classic Insurance Rates?