GMC Sierra Insurance Rates in Philadelphia

I can’t think of a single person who likes paying for auto insurance, particularly when their premiums are through the roof.

Everyone knows that insurance companies want to keep you from shopping around. Drivers who get price comparisons will presumably buy a new policy because they have a good chance of finding a more affordable policy premium. Surprisingly, a recent survey revealed that consumers who routinely shopped around saved approximately $3,400 over four years compared to policyholders who never compared prices.

If finding the cheapest rates on GMC Sierra insurance is your objective, then having some insight into the best ways to find and compare insurance premiums can make the process less intimidating. Many auto insurance companies compete for your business, and it can be difficult to compare rates to get the best rate on GMC Sierra insurance in Philadelphia.

Best companies for cheap GMC Sierra insurance in Pennsylvania

The following companies offer price quotes in Pennsylvania. If several companies are displayed, we recommend you compare several of them to get a more complete price comparison.

GMC Sierra insurance statistics and information

The rate information shown next highlights a range of insurance coverage prices for GMC Sierra models. Understanding more about how insurance policy premiums are figured can help you make decisions when shopping your coverage around.

Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rate information does not factor in garaging location in Philadelphia which can revise price quotes substantially.

Auto insurance deductibles

When shopping for auto insurance, a common question is where to set your physical damage deductibles. The comparison tables below summarize the differences in premium rates of buying low and high physical damage deductibles. The first rate comparisons uses a $250 physical damage deductible and the second data table uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Premium amounts do not factor in specific zip code location which can influence prices greatly.

We can estimate from the data above that using a $250 deductible will cost you roughly $15 more each month or $180 every year across all GMC Sierra models than opting for the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to average more than 17 months between claim filings, you would probably come out ahead if you elect the higher deductible.

One big caveat is that increasing deductibles to save money means you pay more out-of-pocket when you have a comprehensive or collision claim. That will require access to more funds in the event you have to pay the deductible to have repairs made.

The chart below highlights how deductible selection and can change GMC Sierra insurance prices for different age categories. The rate quotes are based on a single female driver, full physical damage coverage, and no discounts are factored in.

Six Tips to Get Lower-cost Philadelphia Insurance Rates

Many things are part of the calculation when quoting car insurance. Some factors are common sense such as your driving record, but other factors are less apparent like where you live or your commute time. It’s important that you understand some of the things that help calculate the rates you pay for auto insurance. If you know what determines base rates, this enables you to make decisions that will entitle you to cheaper rates.

Rates and occupation – Careers like doctors, architects, and stock brokers tend to pay the highest rates because of high stress levels and long work hours. Conversely, professions such as professors, historians and performers have lower than average premiums.

Rate your vehicle for proper use – The more you drive in a year the more it will cost to insure it. Most companies charge to insure your cars determined by how the vehicle is used. Autos used primarily for pleasure use can get a lower rate than vehicles that are driven to work every day. Double check that your auto insurance coverage properly reflects the proper vehicle usage. An improperly rated Sierra can cost quite a bit.

Pay lower prices after the wedding – Having a spouse can actually save you money on auto insurance. Having a spouse translates into being more mature and responsible and insurance companies like that being married results in fewer claims.

Accidents inflate costs – Your driving record influences premium rates substantially. Careful drivers have lower premiums compared to bad drivers. Getting just one citation can boost insurance rates forty percent or more. Drivers with license-revoking tickets such as hit and run, DWI or reckless driving convictions may find that they have to to submit a SR-22 form with their state’s licensing department in order to legally drive a vehicle.

The chart below shows how speeding tickets and accidents can impact GMC Sierra insurance costs for different age categories. The data assumes a single male driver, full coverage, $250 deductibles, and no other discounts are factored in.

Car insurance liability coverage limits – A critical coverage on your policy, liability insurance will protect you if ever you are determined to be liable for causing damage or personal injury in an accident. It provides legal defense which can cost a lot. This coverage is very inexpensive compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.

Do males or females drive better? – The statistics show that women are safer drivers than men. It does not mean women are BETTER drivers than men. Females and males tend to get into accidents in similar numbers, but guys get into accidents with more damage. Men also statistically get more serious tickets like DWI (DUI) or reckless driving. Teenage male drivers are the most expensive to insure and therefore have the most expensive auto insurance rates.

The chart below illustrates the comparison of GMC Sierra yearly insurance costs for male and female drivers. The prices are based on no claims, a clean driving record, comprehensive and collision coverage, $250 deductibles, marital status is single, and no discounts are taken into consideration.

Loss statistics for a GMC Sierra – Insurers take into consideration historical loss data for every vehicle to help calculate premium rates. Vehicles that have higher losses will be charged more to insure.

The next table shows the historical insurance loss data for GMC Sierra vehicles. For each policy coverage type, the claim probability for all vehicles, regardless of make or model, is a value of 100. Values that are below 100 suggest a positive loss record, while values over 100 indicate a higher chance of having a claim or tendency to have higher losses.

Lower rate quotes on GMC Sierra insurance in Philadelphia with these insurance discounts

Some companies don’t always publicize the complete list of policy discounts very well, so we took the time to find some of the best known and the harder-to-find savings tricks you should be using when you buy Philadelphia car insurance online.

• Lower Rates for Military – Being on active deployment in the military could trigger a small discount.
• Data Collection Discounts – Insureds that choose to allow companies to look at driving manner by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if their driving habits are good.
• Early Signing – A few companies offer discounts for switching policies prior to your current Sierra insurance policy expiration. The savings is around 10%.
• Mature Driver Discount – Mature drivers are able to get better insurance rates.
• Resident Student – Any of your kids who live away from home to go to college without a vehicle on campus could qualify for this discount.
• Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you can avoid the installment charge.
• Cautious Driver Discounts – Drivers who don’t get into accidents can get discounts for up to 45% lower rates than less cautious drivers.
• Discount for New Cars – Insuring a new Sierra can get you a discount since newer models are generally safer.
• Federal Employees – Employees or retirees of the government can save as much as 8% with some insurance companies.
• Philadelphia Homeowners Discount – Owning your own home or condo can earn you a little savings because owning a home requires a higher level of personal finance.

Keep in mind that most discount credits are not given to your bottom line cost. Most only reduce individual premiums such as comprehensive or collision. Even though it appears you could get a free insurance policy, companies don’t profit that way.

The illustration below shows the comparison of GMC Sierra annual premium costs with and without discounts applied to the policy rates. The data assumes a female driver, no claims or violations, Pennsylvania state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, multi-policy, safe-driver, marriage, and claim-free discounts applied.

Insurance companies that possibly offer most of the discounts above include:

• Progressive
• MetLife
• Mercury Insurance
• Nationwide
• GEICO
• AAA

When getting free Philadelphia car insurance quotes, it’s a good idea to all companies you are considering which discounts you qualify for. Some discounts might not apply in your area. If you would like to choose from a list of providers who offer insurance discounts in Philadelphia, click this link.

Buying from insurance agents

A small number of people just prefer to sit down with an agent and that is just fine! Good agents are very good at helping people manage risk and help in the event of a claim. A good thing about getting free rate quotes online is you may find lower rates but also keep your business local.

To make it easy to find an agent, after completing this short form, your information is transmitted to agents in your area who want to provide quotes to get your business. You won’t need to find an agent since rate quotes are delivered to you directly. If for some reason you want to get a price quote from one company in particular, don’t hesitate to search and find their rate quote page and submit a quote form there.

Deciding on an provider shouldn’t rely on just a cheap price. Agents should be asked these questions:

• Can they provide you with a list of referrals?
• What will you get paid if your car is a total loss? How is that amount determined?
• Where would your vehicle be repaired?
• Is there a local claims center in Philadelphia?
• Do the coverages you’re quoting properly cover your vehicle?
• Will the company cover a rental car if your car is getting fixed?
• If you raise deductibles, how much can you save?
• Will their companies depreciate repairs to your car based on the mileage?

Your insurance coverage should be tailored to you

When it comes to insurance from an agent or online for your personal vehicles, there really isn’t a “perfect” insurance plan. Your financial needs are unique so this has to be addressed.
These are some specific questions may help highlight if your situation might need professional guidance.

• Do I need roadside assistance coverage?
• Is borrowed equipment or tools covered if stolen or damaged?
• Is my teen driver covered when they drive my company car?
• Is pet coverage available?
• Is my vehicle covered by my employer’s policy when using it for work?
• Is a blown tire covered by insurance?
• Do I have newly-acquired coverage?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Do I benefit by insuring my home with the same company?

If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and can help protect your family.

Be persistent and save

The cheapest GMC Sierra insurance in Philadelphia is definitely available on the web as well as from insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies don’t offer price quotes online and these smaller companies only sell coverage through independent insurance agents.

In this article, we covered some good ideas how you can compare GMC Sierra insurance prices in Philadelphia. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. Consumers could even find that the biggest savings come from a small mutual company. Regional companies may have significantly lower rates on certain market segments than their larger competitors like GEICO and State Farm.

Additional resources

• Electronic Stability Control FAQ (iihs.org)
• Who Has the Cheapest Philadelphia Car Insurance for a Learners Permit? (FAQ)
• Understanding Rental Car Insurance (Insurance Information Institute)
• Older Driver Statistics (Insurance Information Institute)