Cheap Insurance for a GMC Sierra 2500HD in El Paso

It’s a fact that car insurance companies don’t want you comparing rates. Insureds who do rate comparisons will probably buy a new policy because of the high probability of finding a cheaper policy. A recent insurance study revealed that consumers who regularly compared price quotes saved on average $3,400 over four years as compared to drivers who don’t make a habit of comparing rates.

If finding the most affordable auto insurance is why you’re here, then having some knowledge of how to compare insurance rates can help simplify the task of finding more affordable coverage.

If saving the most money is your goal, then the best way to get the cheapest GMC Sierra 2500HD insurance in El Paso is to compare prices at least once a year from different companies in Texas. This can be done by completing these steps.

• First, read and learn about how car insurance works and the modifications you can make to prevent rate increases. Many rating factors that cause rate increases such as speeding tickets, careless driving and an unacceptable credit rating can be eliminated by making lifestyle changes or driving safer. This article provides additional ideas to help keep rates affordable and get additional discounts that may be available.
• Second, request rate estimates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from one company like Progressive or Farmers Insurance, while agents who are independent can provide prices for many different companies.
• Third, compare the quotes to the price on your current policy and determine if cheaper Sierra 2500HD coverage is available. If you find a better price and buy the policy, make sure coverage is continuous and does not lapse.
• Fourth, provide adequate notice to your current company of your intent to cancel your existing policy and submit a completed policy application and payment to the new insurer. Once the paperwork is finalized, keep your new certificate of insurance with your vehicle’s registration.

An essential thing to point out is that you’ll want to compare the same physical damage deductibles and liability limits on every quote and and to compare as many companies as you can. Doing this provides a level playing field and a good representation of prices.

If you have coverage now or just want a better rate, use these money-saving tips to shop for the lowest rates without having to cut coverage. Shopping around for the cheapest coverage in El Paso is simple if you know the tricks. Drivers just have to know the fastest way to compare price quotes online.

All the larger car insurance companies such as Progressive, GEICO, Allstate and State Farm give insurance quotes on their websites. Getting quotes for GMC Sierra 2500HD insurance in El Paso is quite easy because it’s just a matter of typing in the coverages you want into the form. After you submit the form their quoting system automatically retrieves your driving and credit reports and generates a price determined by many factors.

This simplifies rate comparisons, and it’s also necessary to perform this step in order to get a lower rate.

In order to find out what other companies charge, compare quotes from the companies shown below. To compare your current rates, we recommend you duplicate the coverage information identical to your current policy. This makes sure you’re receiving rate quotes for similar insurance coverage.

The companies in the list below have been selected to offer free rate quotes in Texas. If multiple companies are listed, we suggest you compare several of them in order to get a fair rate comparison.

Why you need to buy auto insurance

Even though El Paso Sierra 2500HD insurance rates can get expensive, auto insurance is required in Texas but also provides important benefits.

• Most states have minimum liability requirements which means state laws require a specific level of liability coverage if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you took out a loan on your GMC, it’s most likely the lender will require that you carry insurance to ensure loan repayment if the vehicle is totaled. If you default on your policy, the bank or lender will purchase a policy for your GMC at an extremely high rate and require you to pay for the expensive policy.
• Auto insurance preserves your vehicle and your assets. It will also pay for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If your GMC gets damaged, comprehensive and collision coverage will pay to repair the damage.

The benefits of insuring your car are without a doubt worth the cost, specifically if you ever have a liability claim. But the average driver in Texas is overpaying more than $800 each year so you should quote rates at every policy renewal to ensure rates are competitive.

GMC Sierra 2500HD insurance statistics and information

The rate information displayed next highlights estimates of insurance prices for GMC Sierra 2500HD models. Having a good understanding how policy rates are established can be of help when making smart choices when purchasing an insurance policy.

Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Information does not factor in vehicle garaging location which can alter coverage prices greatly.

Deductible analysis

One frequently asked question is how high should the deductibles for physical damage be. The tables below summarize the costs and benefits of buying low and high policy deductibles. The first pricing table uses a $250 deductible for physical damage and the second set of prices uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Estimates do not factor in specific garaging location which can raise or lower insurance rates noticeably.

Based on the above data, using a $250 deductible will cost you approximately $17 more each month or $204 each year averaged for all Sierra 2500HD models than selecting the higher $500 deductible. Since you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you have at least 15 months between claims, you would most likely save money by selecting a higher deductible. The numbers below show an example of how we made this calculation.

An important thing to remember is that increasing deductibles to lower your rates results in a higher out-of-pocket expense when you file a claim. You need to have a higher level of savings in the event you need to pay the higher deductible.

The chart below demonstrates how deductible levels and can affect GMC Sierra 2500HD premium costs for different categories of driver ages. The costs are based on a married female driver, full physical damage coverage, and no policy discounts are applied.

Careless driving habits raise El Paso auto insurance rates

The diagram below shows how speeding tickets and at-fault accidents raise GMC Sierra 2500HD annual premium costs for different age groups. Data assumes a single female driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.

Score discounts on El Paso insurance

Some companies don’t always advertise the entire discount list in a way that’s easy to find, so the list below details some of the best known as well as some of the hidden discounts that may be available. If you aren’t receiving every discount you qualify for, you could be paying more than you need to.

• Responsible Driver Discounts – Insureds who avoid accidents may save up to 50% more compared to accident prone drivers.
• Membership in Organizations – Being in certain professional organizations is a good way to get lower rates on insurance.
• Accident Free – Good drivers with no accidents are rewarded with significantly better rates on El Paso car insurance quote in comparison to policyholders that have many claims.
• ABS Brakes – Cars with ABS braking systems or traction control can stop better under adverse conditions so companies give up to a 10% discount.
• Accident Forgiveness – This isn’t a discount exactly, but a few companies such as GEICO and Allstate permit an accident without raising rates so long as you are claim-free for a certain period of time.
• Life Insurance – Select insurance companies reward you with lower prices if you buy auto and life insurance together.
• Own a Home – Just being a homeowner can earn you a little savings because it demonstrates responsibility.

Don’t be surprised that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce individual premiums such as medical payments or collision. So even though you would think having all the discounts means you get insurance for free, it’s just not the way it works.

The diagram below illustrates the comparison of GMC Sierra 2500HD insurance rates with and without discounts applied to the rates. Data assumes a female driver, no violations or claims, Texas state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, homeowner, safe-driver, claim-free, and multi-car discounts applied.

A few popular companies and their possible discounts are:

• Esurance includes discounts for online quote, defensive driver, anti-theft, multi-policy, and claim free.
• The Hartford offers discounts including anti-theft, good student, bundle, vehicle fuel type, driver training, and defensive driver.
• AAA policyholders can earn discounts including AAA membership discount, multi-car, good driver, good student, pay-in-full, education and occupation, and anti-theft.
• GEICO may offer discounts for membership and employees, federal employee, good student, multi-policy, anti-theft, military active duty, and daytime running lights.
• State Farm discounts include Drive Safe & Save, safe vehicle, driver’s education, Steer Clear safe driver discount, defensive driving training, good student, and multiple policy.

When quoting, ask each insurance company which discounts you qualify for. A few discounts might not be available to policyholders everywhere. To view companies who offer online GMC Sierra 2500HD insurance quotes in El Paso, click this link.

Insurance agents can help

Some consumers would rather get advice from a local agent and doing that can be a smart decision Good insurance agents are trained risk managers and help you file claims. One of the great benefits of getting free rate quotes online is that you can find cheap insurance rates and still have an agent to talk to. Supporting small agencies is still important in El Paso.

To help locate an agent, after submitting this quick form, your coverage information is sent to local insurance agents who want to provide quotes for your business. You don’t have to find an agent on your own since rate quotes are delivered to the email address you provide. If you want to quote rates from a particular provider, feel free to search and find their rate quote page to submit a rate quote request.

Pick the best auto insurance agent in El Paso for you

If you are wanting to find a good El Paso insurance agent, it’s important to understand the different types of agencies and how they can service your needs differently. Insurance policy providers are categorized either independent agents or exclusive agents. Both properly insure your vehicles, but it’s worth mentioning the difference in the companies they write for since it may influence which type of agent you select.

Independent Insurance Agents

Agents of this type often have affiliation with several companies and that enables them to quote your coverage with any number of different companies depending on which coverage is best. If they quote lower rates, they simply move your policy to a different company which makes it simple for you. If you are comparing rate quotes, it’s a good idea to include price quotes from a few independent agents for the best price selection. Most have the option of insuring with companies that do not advertise much which could offer lower prices.

Featured below is a small list of independent insurance agencies in El Paso that can possibly get you rate quotes.

• Flor and Associates Insurance Agency
  1005 E Yandell Dr – El Paso, TX 79902 – (915) 996-9799 – View Map
• Omega Insurance Agency
  1580 George Dieter Dr #303 – El Paso, TX 79936 – (915) 856-6700 – View Map
• American Agency Insurance
  5959 Gateway Blvd W #533 – El Paso, TX 79925 – (915) 772-7766 – View Map

View more El Paso agents

Exclusive Insurance Agencies

These type of agents can only provide pricing for a single company such as Allstate and State Farm. They generally cannot provide prices from multiple companies so always compare other rates. They receive extensive training on their company’s products which helps overcome the inability to quote other rates. Some people will only buy insurance from these agents mostly because of the prominent brand name and the convenience of having a single billing for all their coverages.

Listed below are El Paso exclusive agents willing to provide comparison quotes.

• Allstate Insurance: John Choi
  8500 Dyer St Ste 7 – El Paso, TX 79904 – (915) 755-2201 – View Map
• GEICO Insurance Agent
  6600 Montana Ave j – El Paso, TX 79925 – (915) 779-2489 – View Map
• Frank Parga Jr – State Farm Insurance Agent
  4141 Pinnacle St #105 – El Paso, TX 79902 – (915) 532-1423 – View Map

View more El Paso agents

Choosing the best car insurance agent requires more thought than just the premium amount. Here are some questions you should ask.

• Is every driver in your family covered?
• If you are a high risk driver, do they have special markets for your coverage?
• What discounts might you be missing?
• What is the financial rating for the quoted company?
• Does the company have a local claim office in El Paso?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?

After talking to the agent and getting positive feedback to any questions you may have as well as an affordable premium quote, it’s possible that you found a car insurance agent that can provide insurance coverage. Just be aware that consumers can cancel your policy whenever you wish so don’t feel you’re contractually obligated to the insurance policy indefinitely.

Cheaper coverage is out there

You just learned a lot of techniques to compare GMC Sierra 2500HD insurance premium rates in El Paso. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may even be surprised to find that the lowest priced insurance comes from a lesser-known regional company.

Consumers change insurance companies for many reasons like policy non-renewal, lack of trust in their agent, extreme rates for teen drivers and policy cancellation. It doesn’t matter what your reason, finding a great new company can be easy and end up saving you some money.

As you quote El Paso car insurance, don’t be tempted to sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced full coverage only to regret that their decision to reduce coverage ended up costing them more. The goal is to find the BEST coverage at the best cost while not skimping on critical coverages.

Additional detailed information is located in the articles below:

• Safe Vehicles for Teens (iihs.org)
• Where can I buy Insurance? (Insurance Information Institute)
• Teen Driving Statistics (GEICO)
• Alcohol Impaired Driving FAQ (iihs.org)