Affordable Quotes for GMC Sierra Insurance in El Paso

Want to know an easy way to compare more affordable GMC Sierra insurance in El Paso? If you are new to online car insurance, chances are good that you are confused due to the large number insurance agents and companies that all promise the best rates for GMC Sierra insurance in El Paso.

It’s safe to conclude that car insurance companies don’t want their customers to go rate shopping. Drivers who compare other prices will most likely switch companies because of the high probability of getting low-cost coverage. A recent survey discovered that consumers who compared price quotes annually saved about $860 a year compared to those who never shopped around for lower prices.

If finding the cheapest price for car insurance in El Paso is the reason you’re reading this, then having an understanding of how to find companies and compare insurance rates can help simplify the task of finding more affordable coverage.

It’s smart to compare rates before your next renewal because insurance rates are adjusted regularly by insurance companies. Just because you found the best deal on GMC Sierra insurance in El Paso a few years ago you can probably find a better price now. Block out anything you think you know about car insurance because we’re going to show you how to use the internet to properly buy coverages and cut your premium.

Locating the most cost-effective auto insurance policy in El Paso is really not that difficult. Basically, every car owner who shops for auto insurance will most likely be able to find lower rates. But Texas consumers need to have an understanding of the methods companies use to charge you for coverage and use it to your advantage.

The easiest way to compare car insurance company rates for GMC Sierra insurance in El Paso utilizes the fact most of the bigger providers actually pay money for the chance to compare rate quotes. To begin a comparison, all you need to do is provide the companies a bit of rating information such as if you’re married, if it has an alarm system, coverage limits, and how many miles driven. The data is automatically sent to insurance carriers in your area and you will receive price estimates immediately.

To compare multiple company cheap GMC Sierra insurance rates now, click here and find out if you can get cheaper insurance in El Paso.

The companies shown below have been selected to offer price comparisons in Texas. If the list has multiple companies, we suggest you visit as many as you can in order to find the most affordable rates.

Why you need quality insurance for your Sierra

Despite the fact that auto insurance is not cheap in El Paso, auto insurance is a good idea for several reasons.

First, most states have mandatory liability insurance requirements which means you are required to carry a specific minimum amount of liability in order to drive the car. 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.

Second, if you took out a loan on your GMC Sierra, almost every bank will require you to have full coverage to ensure loan repayment if the vehicle is totaled. If the policy lapses, the lender may insure your GMC at a much higher rate and require you to pay for it.

Third, auto insurance preserves both your GMC Sierra and your assets. Insurance will also pay for medical expenses for yourself as well as anyone injured by you. As part of your policy, liability insurance will also pay for a defense attorney if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of buying enough insurance more than offset the price you pay, especially when you need to use it. On average, a vehicle owner in El Paso is overpaying over $850 per year so you should quote and compare rates at every renewal to be sure current rates are still competitive.

Data for GMC Sierra insurance

The data table shown below outlines a range of rate quotes for GMC Sierra models. Learning as much as possible about how insurance rates are determined can be useful when making decisions when shopping around.

Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Premium amounts do not factor in specific location which can decrease or increase prices significantly.

Where to set your deductibles

One common question asked by El Paso drivers is how high should your deductibles be. The premium rates below illustrate the premium difference when you choose different physical damage coverage deductibles. The first rate quote example uses a $100 deductible for comprehensive and collision coverage and the second pricing table uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Price information does not factor in specific location which can revise premium rates significantly.

Using the premium rates above, we can conclude that using a $100 deductible will cost you roughly $29 more each month or $348 a year than buying the higher $500 deductible. Since you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally average more than 14 months between claim filings, you would come out ahead if you decide on a higher deductible. Here is an example of how you can decide this on your own policy.

One important note is that a higher deductible results in a higher out-of-pocket expense when you have a physical damage claim. That will require a higher level of savings in order to pay more to get your vehicle repaired.

GMC Sierra full coverage rates compared to liability only

The information below illustrates the difference between GMC Sierra auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The rates are based on no violations or claims, $100 deductibles, marital status is single, and no additional discounts are factored in.

When to drop full coverage

There is no written rule to eliminate comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is more than 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let’s pretend your GMC Sierra replacement cost is $3,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company would pay you is $2,000 after paying your policy deductible. If you are paying over $200 annually for physical damage coverage, then it could be time to drop full coverage.

There are a few cases where removing full coverage is not a good idea. If you haven’t satisfied your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Auto insurance discounts help lower rates for GMC Sierra insurance in El Paso

Some companies don’t necessarily list the entire discount list in an easy-to-find place, so we break down a few of the more common and also the lesser-known credits available to bring down your rates.

• Low Mileage Discounts – Keeping the miles down on your GMC could earn lower premium rates on the low mileage vehicles.
• No Charge for an Accident – Not necessarily a discount, but a few companies such as Liberty Mutual, GEICO and Allstate will allow you to have one accident without raising rates so long as you haven’t had any claims for a set time period.
• Savings for New Vehicles – Buying a new car instead of a used Sierra can save you some money because new model year vehicles keep occupants safer.
• Homeowners Savings – Just being a homeowner may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
• Lower Rates for Military – Being on active duty in the military could mean lower rates.
• Braking Control Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes are much safer to drive so you can save 10 percent or more.
• Early Switch Discount – Some companies give discounts for buying a policy prior to the expiration date on your current Sierra insurance policy. You can save around 10% with this discount.
• Telematics Data Discounts – Drivers who elect to allow their company to monitor vehicle usage by using a telematics device like Allstate’s Drivewise could possibly reduce rates if they exhibit good driving behavior.
• Passive Restraints – Vehicles equipped with air bags or automatic seat belts may get savings up to 30%.
• Resident Student – Children who are attending college without a vehicle on campus may be insured at a cheaper rate.

Consumers should know that many deductions do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think adding up those discounts means a free policy, that’s just not realistic.

The example below compares GMC Sierra auto insurance costs with and without discounts being applied to the rates. The rates are based on a female driver, no accidents or driving violations, Texas 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, claim-free, marriage, safe-driver, multi-policy, and multi-car discounts applied.

Companies and a summarized list of policyholder discounts are:

• 21st Century may have discounts that include anti-lock brakes, teen driver, homeowners, good student, air bags, theft prevention, and driver training.
• State Farm may include discounts for safe vehicle, anti-theft, student away at school, good driver, passive restraint, and driver’s education.
• AAA offers premium reductions for multi-policy, multi-car, pay-in-full, anti-theft, good driver, good student, and education and occupation.
• Liberty Mutual offers discounts for exclusive group savings, hybrid vehicle, newly retired, multi-car, good student, and safety features.
• Progressive may offer discounts for multi-vehicle, good student, online quote discount, continuous coverage, multi-policy, homeowner, and online signing.

When getting free El Paso car insurance quotes, it’s a good idea to each insurance company to apply every possible discount. Some discounts listed above might not be offered in El Paso.

Auto insurance agents near you

Many drivers would rather sit down with an agent and we recommend doing that A good thing about price shopping on the web is that you can obtain cheap car insurance rates and still buy from a local agent.

Upon completion of this simple form, your insurance data is submitted to insurance agents in El Paso that can give you free El Paso car insurance quotes for your coverage. You never need to do any legwork due to the fact that quote results will go to you directly. It’s the lowest rates without a big time investment. If you wish to compare prices for a specific company, you would need to search and find their rate quote page and complete a quote there.

Finding the right provider requires more thought than just a cheap price. Before buying a policy in El Paso, get answers to these questions.

• What companies can they write with?
• Is vehicle mileage a factor when determining depreciation for repairs?
• Are they primarily personal or commercial lines agents in El Paso?
• Do they offer claims assistance after hours?
• Are claims handled at the agent’s location?
• Do they make recommendations based only on price?

How to choose the best auto insurance agent in El Paso

If you would like to find a reliable insurance agent, there are two types of insurance agents and how they can write your policy. Agents in El Paso can be categorized as either independent or exclusive.

Exclusive Insurance Agencies

Exclusive agencies work for only one company such as Allstate, AAA, Farmers Insurance, and State Farm. They are unable to compare rates from other companies so if the price isn’t competitive there isn’t much they can do. They are usually well trained on their products and sales techniques and that enables them to sell even at higher rates. Consumers often buy from exclusive agents mainly due to loyalty to the company and strong financial ratings.

The following is a list of exclusive agents in El Paso who may provide you with price quote information.

• Annette Gallardo Sanders – State Farm Insurance Agent
  6351 S Desert Blvd #105 – El Paso, TX 79932 – (915) 877-9020 – View Map
• James Valenzuela – State Farm Insurance Agent
  11617 Pellicano Dr – El Paso, TX 79936 – (915) 858-6262 – View Map
• Mike Gonzalez – State Farm Insurance Agent
  5360 N Mesa St #18 – El Paso, TX 79912 – (915) 581-8939 – View Map

More El Paso agents

Independent Agents

These type of agents can quote rates with many companies and that allows them to write policies with a variety of different insurance companies depending on which coverage is best. If premiums increase, the agent simply finds a different carrier and you won’t have to switch agencies. If you are comparing rate quotes, it’s recommended you get rate quotes from several independent agencies to have the most options to choose from. Most have the option of insuring with companies you’ve never heard of which can be an advantage.

Shown below is a short list of independent insurance agencies in El Paso willing to provide price quote information.

• Colonial Insurance Agency
  7636 Gateway Blvd E – El Paso, TX 79915 – (915) 592-0999 – View Map
• Asegura Insurance Agency
  1155 N Zaragoza Rd #105 – El Paso, TX 79907 – (915) 613-4800 – View Map
• Pan American Insurance
  7399 Alameda Ave – El Paso, TX 79915 – (915) 772-9000 – View Map

More El Paso agents

When to get professional advice

When choosing coverage online or from an agent for your personal vehicles, there is no one-size-fits-all type of policy. Your needs are unique to you and your policy should reflect that.
For example, these questions can aid in determining if you would benefit from an agent’s advice.

• If my pet gets injured in an accident are they covered?
• Do I need more liability coverage?
• Do I have newly-acquired coverage?
• When can I cancel my policy?
• Am I covered when driving a rental car?
• Is other people’s property covered if stolen from my vehicle?
• Is my teenager covered with friends in the car?
• Who sells insurance for high-risk drivers?
• I have good health insurance, so how much medical payments coverage do I need?

If you can’t answer these questions, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

El Paso auto insurance companies

Picking a good quality auto insurance provider can be challenging considering how many choices there are in Texas. The ranking data shown below could help you choose which auto insurers you want to consider purchasing from.

Top 10 El Paso Car Insurance Companies by A.M. Best Rank

1. Travelers – A++
2. USAA – A++
3. GEICO – A++
4. State Farm – A++
5. Titan Insurance – A+
6. Esurance – A+
7. Progressive – A+
8. The Hartford – A+
9. Allstate – A+
10. Nationwide – A+

Top 10 El Paso Car Insurance Companies Overall

1. Travelers
2. USAA
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Allstate
7. State Farm
8. The Hartford
9. Safeco Insurance
10. Progressive

Cover all your bases

In this article, we presented quite a bit of information on how to save on GMC Sierra insurance in El Paso. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the best premium rates are with a small mutual company. These companies can often provide lower prices in certain areas compared to the large companies like Allstate, GEICO and Progressive.

Discount GMC Sierra insurance in El Paso can be found both online and from local insurance agents, so you should compare both in order to have the best chance of saving money. Some companies don’t offer rates over the internet and most of the time these smaller companies only sell coverage through independent insurance agencies.

Steps to saving money on GMC Sierra insurance in El Paso

To save the most money, the best way to find the cheapest price for GMC Sierra insurance is to compare quotes annually from companies who sell auto insurance in El Paso.

1. Spend some time learning about auto insurance and the factors you can control to prevent expensive coverage. Many rating factors that cause rate increases such as traffic citations and poor credit rating can be controlled by being financially responsible and driving safely.
2. Quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from one company like Progressive or Allstate, while independent agencies can give you price quotes for a wide range of insurance providers. Compare rates
3. Compare the new rate quotes to your existing coverage to see if a cheaper rate is available in El Paso. If you find a lower rate quote and change companies, make sure coverage does not lapse between policies.
4. Tell your current company of your intent to cancel your current policy and submit a down payment along with a completed application to the new company. Once coverage is bound, place the new certificate verifying coverage in your vehicle.

A valuable tip to remember is to make sure you’re comparing identical limits and deductibles on each price quote and and to analyze all possible companies. Doing this ensures an accurate price comparison and many rates to choose from.

Even more information can be read in these articles:

• Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
• Understanding Your Insurance Deductible (Insurance Information Institute)
• A Tree Fell on Your Car: Now What? (Allstate)
• Steps to Take After an Auto Accident (Insurance Information Institute)
• Five Tips to Save on Auto Insurance (Insurance Information Institute)