GMC Sierra insurance cost image courtesy of QuoteInspector.com
Truthfully, the best way to find cheaper quotes for GMC Sierra 2500HD insurance in Buffalo is to compare prices at least once a year from insurers who sell auto insurance in New York. Rate comparisons can be done by following these guidelines.
Step 1: Try to understand how insurance companies determine prices and the modifications you can make to keep rates in check. Many factors that result in higher rates such as traffic violations and a bad credit rating can be amended by making minor changes in your lifestyle. Later in this article we will cover ideas to get lower rates and get bigger discounts.
Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from one company like GEICO and State Farm, while independent agencies can provide rate quotes from multiple insurance companies.
Step 3: Compare the new rates to your current policy to see if cheaper Sierra 2500HD coverage is available. If you find a lower rate and buy the policy, make sure coverage is continuous and does not lapse.
Step 4: Provide adequate notice to your current company to cancel your existing policy and submit the application along with any required down payment to the new company. Immediately place the new certificate of insurance in an accessible location in your vehicle.
An important note is to make sure you're comparing similar deductibles and liability limits on every price quote and and to compare as many different insurance providers as possible. This ensures a fair rate comparison and a good representation of prices.
Astonishing but true, the majority of drivers kept their coverage with the same car insurance company for at least the last four years, and almost half have never shopped around. Many drivers in New York could save an average of up to $840 each year, but they just assume it takes a lot of time to compare rate quotes.
Best companies for GMC Sierra 2500HD insurance
The companies shown below have been selected to offer quotes in New York. To get cheaper auto insurance in Buffalo, we recommend you compare several of them in order to find the most affordable rates.
GMC Sierra 2500HD insurance rate analysis
The information displayed below covers different rate quotes for GMC Sierra 2500HD models. Having insight into how insurance quotes are established can assist in making decisions on which coverage to buy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra 2500HD SLE Regular Cab 4WD||$136||$288||$344||$20||$104||$892||$74|
|Sierra 2500HD SLE Regular Cab 2WD||$136||$288||$388||$24||$116||$952||$79|
|Sierra 2500HD SLE Crew Cab 4WD||$136||$288||$344||$20||$104||$892||$74|
|Sierra 2500HD SLE Extended Cab 4WD||$136||$288||$344||$20||$104||$892||$74|
|Sierra 2500HD SLE Crew Cab 2WD||$136||$332||$388||$24||$116||$996||$83|
|Sierra 2500HD SLE Extended Cab 2WD||$136||$332||$388||$24||$116||$996||$83|
|Sierra 2500HD SLT Crew Cab 4WD||$136||$332||$344||$20||$104||$936||$78|
|Sierra 2500HD SLT Extended Cab 4WD||$136||$332||$344||$20||$104||$936||$78|
|Sierra 2500HD SLT Extended Cab 2WD||$136||$332||$388||$24||$116||$996||$83|
|Sierra 2500HD SLT Crew Cab 2WD||$152||$332||$388||$24||$116||$1,012||$84|
|Get Your Own Custom Quote Go|
Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rates do not factor in specific zip code location which can increase or decrease premiums noticeably.
GMC Sierra 2500HD full coverage rates compared to liability only
The illustration below visualizes the comparison of GMC Sierra 2500HD insurance prices with full physical damage coverage compared to only buying the minimum liability limits required in New York. The rates are based on no violations or accidents, $100 deductibles, single marital status, and no policy discounts are applied.
When to drop comp and collision
There is no set rule of when to stop paying for comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is more than 10% of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
For example, let's pretend your GMC Sierra 2500HD book value is $5,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company would pay you is $4,000 after paying your deductible. If you are paying more than $400 a year to have full coverage, then you might want to think about dropping full coverage.
There are some conditions where buying only liability insurance is not advised. If you still owe a portion of the original loan, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not remove full coverage.
Do you qualify for discounts on GMC Sierra 2500HD insurance in Buffalo?
Insuring your fleet can be pricey, but you might be missing out on some discounts to cut the cost considerably. Most are applied at the time you complete a quote, but some may not be applied and must be asked about in order for you to get them. If you are not receiving all the discounts you deserve, you are just wasting money.
- Active Military Service - Having a deployed family member could be rewarded with lower prices.
- Good Grades Discount - Maintaining excellent grades can save 20 to 25%. Most companies allow this discount well after school through age 25.
- Student Driver Training - Cut your cost by having your teen driver enroll in driver's education in school.
- Theft Deterrent - Anti-theft and alarm system equipped vehicles are stolen less frequently so companies will give you a small discount.
- Cautious Driver Discounts - Accident-free drivers can pay as much as 50% less compared to accident prone drivers.
- Early Signing - Some auto insurance companies provide a discount for renewing your policy before your current coverage expires. This can save 10% or more.
- Pay Now and Pay Less - If you pay your entire premium ahead of time as opposed to paying monthly you can avoid monthly service charges.
- College Student Discount - Youth drivers who are attending college and do not take a car to college could qualify for this discount.
- Passive Restraint Discount - Factory options such as air bags or motorized seat belts may qualify for discounts of 20 to 30 percent.
- Low Mileage - Driving fewer miles may allow you to get substantially lower rates.
Just know that some of the credits will not apply to all coverage premiums. Some only apply to the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you can get free auto insurance, it doesn't quite work that way. Any qualifying discounts will lower your policy premium.
The diagram below visualizes the comparison of GMC Sierra 2500HD insurance costs with and without discounts applied. The data assumes a male driver, no claims or driving citations, New York state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, homeowner, multi-policy, safe-driver, and multi-car discounts applied.
The best auto insurance companies and some of their more popular discounts are outlined below.
- State Farm has savings for anti-theft, good student, multiple autos, Steer Clear safe driver discount, safe vehicle, and driver's education.
- Progressive offers discounts for multi-vehicle, homeowner, online signing, good student, and continuous coverage.
- Progressive may offer discounts for online quote discount, continuous coverage, online signing, homeowner, and multi-vehicle.
- MetLife may have discounts that include good student, multi-policy, defensive driver, good driver, accident-free, claim-free
- Farm Bureau includes discounts for 55 and retired, youthful driver, good student, multi-vehicle, and multi-policy.
- GEICO offers discounts including good student, membership and employees, driver training, multi-policy, daytime running lights, and multi-vehicle.
- SAFECO has discounts for anti-lock brakes, teen safe driver, drive less, accident prevention training, and teen safety rewards.
If you need lower rates, check with each company or agent which discounts can lower your rates. Discounts may not apply in your area. If you would like to view insurance companies who offer free GMC Sierra 2500HD insurance quotes in Buffalo, click here.
Informed Consumers Can Cut Insurance Costs
A large part of saving on insurance is knowing some of the elements that help determine your premiums. When you understand what determines premiums, this empowers consumers to make smart changes that can earn you much lower annual insurance costs. Multiple criteria are taken into consideration when you get your auto insurance bill. Some factors are common sense such as your driving history, but other factors are less apparent like where you live and annual miles driven.
Deter car thieves - Driving a car that has a built-in theft deterrent system can help lower your rates. Systems that thwart thieves like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all hinder your car from being stolen.
Big city or small town - Choosing to live in areas with lower population is a positive aspect when buying insurance. Less people means less chance of accidents in addition to lower liability claims. People who live in big cities have congested traffic and higher rates of accident claims. The longer drive time means more chance of being in an accident.
Remove unneeded extra coverages - There are a lot of extra coverages that you can buy on your Sierra 2500HD policy. Insurance for rental car coverage, accidental death, and membership fees could be just wasting money. These coverages may sound good when deciding what coverages you need, but if you've never needed them in the past remove them and pocket the money.
Cheaper to insure women? - Statistics have proven that females tend to be a little less risky than males. Now that doesn't mean females are better at driving than males. Men and women are responsible for auto accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Not only that, but men also get cited for more serious violations such as reckless driving.
The illustration below illustrates the comparison of GMC Sierra 2500HD premium costs for male and female drivers. The premium estimates are based on no claims or driving violations, full physical damage coverage, $250 deductibles, single status, and no discounts are taken into consideration.
Pleasure use or commuting - The more miles you rack up on your GMC annually the higher your rates will be. Many insurance companies price each vehicle's coverage based upon how the vehicle is primarily used. Cars left parked in the garage can get a lower rate than vehicles that have high annual mileage. Make sure your insurance policy shows the correct usage for each vehicle. Incorrect rating for your Sierra 2500HD is throwing money out the window.
Buy a safe car and pay less - Cars with high safety ratings tend to have better insurance rates. Safer cars help reduce the chance of injuries in an accident and lower injury rates translates directly to fewer claims and more competitive rates for policyholders. If your GMC has ratings of a minimum four stars on Safercar.gov or an "acceptable" rating on iihs.org you may qualify for a discount.
High coverage deductibles equal low rates - Insurance for physical damage, also known as collision and other-than-collision, insures against damage to your GMC. Some examples of covered claims could be colliding with a building, hitting a deer, and having your car stolen. Physical damage deductibles define how much you are required to spend if the claim is covered. The higher the amount you choose to pay out-of-pocket, the bigger discount you will receive.
Pay more for higher performance vehicles - The performance level of the car, truck or SUV you are insuring makes a big difference in the rate you pay. Small economy passenger cars receive the most favorable rates, but the cost you end up paying is determined by many additional factors.
The data below uses these assumptions: married female driver age 40, full coverage with $1000 deductibles, and no discounts or violations. It illustrates GMC Sierra 2500HD car insurance rates compared to other vehicles that have different risk factors.
What insurance coverages do I need?
When it comes to buying proper insurance coverage, there really is not a best way to insure your cars. Every situation is different so your insurance should reflect that These are some specific questions might point out whether or not you might need an agent's assistance.
- How can I find cheaper teen driver insurance?
- Should I buy additional glass protection?
- Am I covered if I break a side mirror?
- Which companies will insure high-risk drivers?
- How high should my uninsured/underinsured coverage be in New York?
- Is there coverage for my trailer?
- Does car insurance cover theft of personal property?
- Is pet coverage available?
- When should I remove my kid from my policy?
If you can't answer these questions, you may need to chat with an insurance agent. If you don't have a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.
Local Buffalo insurance agencies and car insurance
Many drivers would rather go talk to an agent and that is not a bad decision Professional agents will help you protect your assets and help file insurance claims. One of the best bonuses of getting free rate quotes online is the fact that you can find the best rates and still buy from a local agent. And providing support for neighborhood agents is important especially in Buffalo.
After filling out this simple form, the coverage information gets sent to local insurance agents in Buffalo that give free quotes to get your business. It's much easier because you don't need to contact any agents because prices are sent to the email address you provide. If for some reason you want to get a rate quote from one company in particular, you can always jump over to their website and give them your coverage information.
If you are wanting to find a reputable agency, you should know the types of insurance agents that you can choose from. Car insurance agents can be described as either independent (non-exclusive) or exclusive. Both types can sell affordable car insurance policies, but it's worth mentioning the difference between them since it can affect the kind of agent you use.
Independent Car Insurance Agencies or Brokers
Agents of this type can sell policies from many different companies so they have the ability to put coverage with many different companies depending on which coverage is best. If they quote lower rates, they simply move the coverage in-house which is easy for the insured.
If you need lower rates, we recommend you get insurance quotes from several independent insurance agents in order to have the best price comparison.
Shown below are independent insurance agencies in Buffalo that may be able to provide price quotes.
1274 Bailey Ave # 1 - Buffalo, NY 14206 - (716) 893-4332 - View Map
Exclusive agents can only provide pricing for a single company such as Allstate, State Farm and Farmers Insurance. Exclusive agents cannot give you multiple price quotes so they are skilled at selling on more than just price. Exclusive agencies receive a lot of sales training on their products and sales techniques which helps them sell insurance even at higher premiums.
Below are Buffalo exclusive agents that are able to give comparison quotes.
Selecting an insurance agency requires more thought than just a cheap quote. Below are some questions you should ask.
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Does their agency support local causes in Buffalo?
- How long has their agency been open in Buffalo?
- Will the agent help in case of a claim?
- How would your car be valued if totaled?
If you receive satisfactory answers to these questions and an acceptable price quote, most likely you have located a car insurance agent that is reliable enough to service your policy. It's important to know that once you purchase a policy you can cancel your policy at any point so don't think that you are permanently stuck with any specific company for the full term.
New York auto insurance companies ranked
Selecting the highest-rated auto insurance company can be challenging considering how many choices there are in Buffalo. The ranking information in the lists below may help you choose which auto insurers you want to consider when comparing rate quotes.
Top 10 Buffalo Car Insurance Companies Ranked by Claims Service
- Liberty Mutual
- State Farm
- The General
- The Hartford
- 21st Century
Top 10 Buffalo Car Insurance Companies Overall
- The General
- Mercury Insurance
- The Hartford
- State Farm
- Farmers Insurance
- Erie Insurance
- Safeco Insurance
Get the best coverage at the lowest price
When searching for affordable Buffalo auto insurance quotes, make sure you don't buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped collision coverage only to regret at claim time that it was a big mistake. The ultimate goal is to purchase plenty of coverage at the best possible price while not skimping on critical coverages.
Affordable GMC Sierra 2500HD insurance in Buffalo is attainable from both online companies and with local Buffalo insurance agents, and you should compare rates from both to have the best selection. Some insurance companies don't offer online rate quotes and most of the time these small, regional companies provide coverage only through independent insurance agents.
For more information, take a look at these articles:
- Young Drivers: The High Risk Years Video (iihs.org)
- How Much are Buffalo Auto Insurance Rates for Drivers Over Age 60? (FAQ)
- How Much are Buffalo Car Insurance Rates for a Ford F-150? (FAQ)
- Who Has the Cheapest Buffalo Car Insurance for a Jeep Wrangler? (FAQ)
- Who Has Cheap Auto Insurance for Unemployed Drivers in Buffalo? (FAQ)
- Who Has Cheap Car Insurance Rates for Immigrants in Buffalo? (FAQ)
- How Much are Buffalo Car Insurance Rates for a Honda Accord? (FAQ)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- Auto Insurance FAQ (Farmers Insurance)
- Eight Auto Insurance Myths (Insurance Information Institute)