If you want to save money, the best way to get the cheapest GMC Sierra 3500HD insurance in El Paso is to regularly compare price quotes from insurers that insure vehicles in Texas.
Step 1: Get a basic knowledge of what coverages are included in your policy and the modifications you can make to keep rates down. Many factors that cause rate increases such as at-fault accidents and an unacceptable credit history can be amended by being financially responsible and driving safely.
Step 2: Compare price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like GEICO or Allstate, while independent agents can quote rates from multiple companies.
Step 3: Compare the new rate quotes to your existing coverage and determine if there is any savings. If you find a lower rate quote and make a switch, ensure coverage does not lapse between policies.
Step 4: Provide written notification to your current company to cancel your current car insurance policy. Submit a down payment along with a completed application for the new policy. As soon as you receive it, keep your new proof of insurance paperwork in a readily accessible location in your vehicle.
One important bit of advice is to make sure you enter the same level of coverage on each quote and and to get rate quotes from as many carriers as you can. Doing this enables a level playing field and maximum price selection.
Remarkably, a study showed that the vast majority of drivers renewed their policy with the same company for at least the last four years, and practically 40% of auto insurance customers have never shopped around. Texas drivers can cut their rates by approximately 70% a year by just shopping around, but they just assume it takes a lot of time to compare rates and save money.
GMC Sierra 3500HD Insurance Prices Can Be Cheaper
Lots of things are taken into consideration when premium rates are determined. Some factors are common sense such as your driving history, but other factors are not as apparent like your vehicle usage and annual miles driven. Part of the auto insurance buying process is learning some of the elements that help determine the price you pay for auto insurance. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make educated decisions that could help you find better auto insurance rates.
Expect high rates for teens – Older, more experienced drivers are more cautious drivers, tend to file fewer claims, and usually have better credit. Beginning drivers are statistically shown to be less responsible when driving so auto insurance rates are higher.
The following data uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.
Don’t skimp on liability insurance – A critical coverage on your policy, liability insurance will protect you if you are found liable for physical damage or personal injury to other. Your policy’s liability insurance provides legal defense which can cost a lot. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so do not cut corners here.
Prices may be lower depending on your vocation – Occupations such as military generals, airline pilots, and dentists tend to pay higher rates than average attributed to intense work-related stress and long work hours. On the flip side, jobs such as professors, athletes and performers have the lowest average rates.
High credit scores save money – Having a bad credit score can be a huge factor in determining premium rates. Therefore, if your credit is low, you may save money insuring your GMC Sierra 3500HD if you clean up your credit. People with very good credit scores tend to be less risk to insure than drivers with lower credit scores.
Never let your auto insurance policy lapse – Having a lapse in insurance coverage can be a fast way to increase your auto insurance rates. And not only will insurance be more expensive, being ticketed for driving with no insurance will get you a fine, jail time, or a revoked license.
GMC Sierra 3500HD detailed coverage information
The coverage information shown below outlines a range of insurance policy prices for GMC Sierra 3500HD models. Being able to understand how insurance policy rates are calculated can be useful when making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 3500HD SLE Regular Cab 2WD | $362 | $672 | $462 | $28 | $138 | $1,662 | $139 |
| Sierra 3500HD SLE Regular Cab 4WD | $362 | $774 | $576 | $34 | $172 | $1,918 | $160 |
| Sierra 3500HD SLE Crew Cab 2WD | $362 | $672 | $462 | $28 | $138 | $1,662 | $139 |
| Sierra 3500HD SLE Extended Cab 2WD | $362 | $672 | $462 | $28 | $138 | $1,662 | $139 |
| Sierra 3500HD SLE Extended Cab 4WD | $362 | $774 | $576 | $34 | $172 | $1,918 | $160 |
| Sierra 3500HD SLE Crew Cab 4WD | $362 | $774 | $576 | $34 | $172 | $1,918 | $160 |
| Sierra 3500HD SLT Extended Cab 2WD | $362 | $672 | $462 | $28 | $138 | $1,662 | $139 |
| Sierra 3500HD SLT Crew Cab 4WD | $362 | $774 | $576 | $34 | $172 | $1,918 | $160 |
| Sierra 3500HD SLT Extended Cab 4WD | $362 | $774 | $576 | $34 | $172 | $1,918 | $160 |
| Sierra 3500HD SLT Crew Cab 2WD | $400 | $774 | $462 | $28 | $138 | $1,802 | $150 |
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Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Price estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase prices greatly.
The information below illustrates how choosing a deductible and can affect GMC Sierra 3500HD insurance costs for different age categories. Data assumes a married female driver, comprehensive and collision coverage, and no policy discounts are applied.
Poor driving habits will raise your auto insurance rates
The information below shows how speeding tickets and at-fault accidents can impact GMC Sierra 3500HD annual premium costs for each different age category. Data assumes a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.
GMC Sierra 3500HD insurance rates by gender in El Paso
The chart below illustrates the difference between GMC Sierra 3500HD insurance premiums for male and female drivers. The premiums assume a clean driving record, no at-fault accidents, full coverage, $250 deductibles, marital status is single, and no additional discounts are factored in.
Cost of full coverage
The chart below illustrates the comparison of GMC Sierra 3500HD premium costs with full coverage and liability only. The rates are based on no tickets, no at-fault accidents, $500 deductibles, single marital status, and no policy discounts are applied.
When to buy liability coverage only
There is no specific rule for phasing out full coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.
For example, let’s pretend your GMC Sierra 3500HD replacement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $2,000 after paying your policy deductible. If you are paying in excess of $200 a year for your policy with full coverage, then it may be the right time to buy liability only.
There are some scenarios where eliminating full coverage is not a good idea. If you still have a loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.
Car insurance policy discounts you can’t miss
Some insurers don’t necessarily list every discount they offer in a way that’s easy to find, so the list below contains a few of the more well known and also the lesser-known credits that you can use to lower your rates. If they aren’t giving you every credit you qualify for, you are not getting the best rate possible.
- Early Switch Discount – Select companies give a discount for buying a new policy prior to your current Sierra 3500HD insurance policy expiration. Ten percent is about the average savings.
- Discount for Multiple Policies – If you combine your home and auto policies and place coverage with the same company you may save as much as 10 to 15 percent.
- ABS Brakes – Vehicles with ABS braking systems or traction control prevent accidents so companies give up to a 10% discount.
- Telematics Data Discounts – Insureds who allow their company to scrutinize when and where they use their vehicle through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if they show good driving skills.
- Own a Home – Being a homeowner can get you a discount since owning and maintaining a home means you have a higher level of financial diligence.
- Distant Student – Children living away from El Paso attending college and do not take a car to college could get you a discount.
- Paperwork-free – A few insurance companies give back up to $50 get El Paso auto insurance on their website.
- No Charge for an Accident – This isn’t a discount exactly, but certain companies allow you one accident without the usual rate increase if you are claim-free prior to the accident.
As is typical with insurance, most discount credits are not given to the entire cost. Most cut individual premiums such as comp or med pay. So when it seems like it’s possible to get free car insurance, it just doesn’t work that way. Any amount of discount will bring down the premium cost.
The diagram below shows the difference between GMC Sierra 3500HD insurance costs with and without discounts being applied to the rates. The premium estimates are based on a male driver, no claims or driving citations, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, marriage, homeowner, multi-policy, and claim-free discounts applied.
Popular car insurance companies and a selection of discounts are:
- Esurance policyholders can earn discounts including anti-lock brakes, paid-in-full, multi-policy, renters, good driver, claim free, and safety device.
- The Hartford offers discounts for bundle, good student, air bag, driver training, and anti-theft.
- AAA has savings for multi-policy, multi-car, anti-theft, good student, AAA membership discount, and education and occupation.
- GEICO offers premium reductions for emergency military deployment, federal employee, good student, defensive driver, driver training, seat belt use, and five-year accident-free.
- State Farm may offer discounts for anti-theft, good student, driver’s education, student away at school, safe vehicle, good driver, and Drive Safe & Save.
When comparing rates, check with each company how many discounts you can get. Some credits might not be available to policyholders in your area. To locate insurance companies with discount car insurance rates in El Paso, click this link.
Texas car insurance companies
Ending up with a high-quality auto insurance company is hard considering how many choices there are in El Paso. The ranking information below could help you analyze which car insurance providers you want to consider when comparing rates.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
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Data Source: Insure.com Best Car Insurance Companies
Quote more and you will save more
As you shop your coverage around, you should never sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced liability coverage limits to discover at claim time that the few dollars in savings costed them thousands. The ultimate goal is to buy a smart amount of coverage at the best cost while still protecting your assets.
We just showed you a lot of ways to lower your GMC Sierra 3500HD insurance auto insurance rates in El Paso. The key thing to remember is the more times you quote, the better likelihood of getting affordable El Paso auto insurance quotes. You may even be surprised to find that the best price on car insurance is with some of the smallest insurance companies.
Low-cost GMC Sierra 3500HD insurance in El Paso is definitely available both online 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 providers do not provide internet price quotes and many times these regional carriers only sell coverage through independent insurance agents.
For more information, take a look at the resources below:
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Speed and Speed Limit FAQ (iihs.org)
- Young Drivers: The High Risk Years Video (iihs.org)