Finding cheap insurance for a GMC Sierra hinges on a lot of rating criteria such as your gender, the size of your vehicle, and the level of deductible you choose. New York drivers pay around $837 a year for Sierra insurance, but that amount is an approximation based on a 40-year-old single female driver with full physical damage coverage and $1,000 deductibles.
But there is a high likelihood that you may not be 40 years old (or even female), you might be married instead of single, or maybe your Sierra is old enough that it doesn’t require full coverage. Insurance is an individual thing, so the way we recommend to find the most affordable coverage for your GMC is to put in the effort to do a thorough rate comparison.
The trim level of your vehicle will have an impact the cost of insurance, so the price you will pay to insure a Sierra SLE Regular Cab 2WD model will be $116 less expensive the price to insure the more well-appointed Sierra Denali Crew Cab 4WD version, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra SLE Regular Cab 2WD||$122||$246||$344||$20||$104||$836||$70|
|Sierra SL Extended Cab 2WD||$122||$246||$344||$20||$104||$836||$70|
|Sierra SLE Crew Cab 2WD||$122||$246||$344||$20||$104||$836||$70|
|Sierra SL Crew Cab 2WD||$136||$288||$344||$20||$104||$892||$74|
|Sierra SLE Crew Cab 2WD||$136||$288||$344||$20||$104||$892||$74|
|Sierra SLE Regular Cab 4WD||$136||$288||$344||$20||$104||$892||$74|
|Sierra SLE Extended Cab 4WD||$136||$288||$344||$20||$104||$892||$74|
|Sierra SLE Crew Cab 4WD||$136||$288||$344||$20||$104||$892||$74|
|Sierra SLT Extended Cab 2WD||$136||$288||$344||$20||$104||$892||$74|
|Sierra SL Crew Cab 4WD||$136||$288||$344||$20||$104||$892||$74|
|Sierra SLT Extended Cab 4WD||$136||$288||$344||$20||$104||$892||$74|
|Sierra SLT Crew Cab 2WD||$136||$288||$344||$20||$104||$892||$74|
|Sierra SLT Crew Cab 4WD||$152||$332||$344||$20||$104||$952||$79|
|Sierra Denali Crew Cab 2WD||$152||$332||$344||$20||$104||$952||$79|
|Sierra Denali Crew Cab 4WD||$152||$332||$344||$20||$104||$952||$79|
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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 claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Rates do not factor in specific garaging location which can alter price quotes greatly.
Trying to buy reasonably-priced insurance is confusing at best, and determining which company quotes the best car insurance rates for a GMC Sierra will involve even more perseverance.
Each insurance company has their own guidelines for setting prices, so let’s take a look at the overall cheapest car insurance companies in New York.
Best Cheap Insurance Rates for Your Truck
|Rank||Company||Cost Per Year|
|10||New York Central Mutual||$1,874|
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USAA may have some of the most affordable car insurance rates in Buffalo at around $1,199 a year. Erie, Progressive, Travelers, and Utica National also rank well as some of the cheaper Buffalo, NY car insurance companies.
As the example above demonstrates, if you are a customer of Utica National and switched to Erie, you might achieve yearly savings of upwards of $294. Insureds with Allstate may save as much as $301 a year, and Amica insureds might see rate reductions of $325 a year.
To find out how much you can save, click here or visit any of the low-priced companies below.
It’s important to note that these policy prices are averaged across all drivers and vehicles and and are not calculated with an exact location for a GMC Sierra. So the car insurance company that is best suited for you may not even be in the list above. That affirms the importance of why you need to get car insurance quotes using your own driver information and specific vehicle type.
Comparison of full coverage and liability-only policies
Reducing the cost of car insurance is the goal of the majority of people, and one of the quickest ways to buy cheap insurance for a GMC Sierra is to only buy liability insurance. The illustration below shows the comparison of insurance premiums with and without physical damage coverage. The data is based on no claims or driving violations, $500 deductibles, single status, and no discounts are taken into consideration.
On average, full coverage on your policy costs an additional $1,601 per year over and above liability coverage. Many of you may wonder when is the right time to remove full coverage. There is no exact formula for dropping full coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.
There are some conditions where dropping physical damage coverage is not recommended. If you still have a loan on your vehicle, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.
Driving violations and accidents
One of the best ways to snag the best car insurance prices in Buffalo for a Sierra pickup is to drive carefully and not receive tickets or have accidents. The illustration below shows how violations and at-fault collisions can drive up insurance rates for different ages of insureds. The prices are based on a married male driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.
In the chart above, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,665. Receive two speeding tickets and the average cost rises to $2,305, an increase of $640 each year. Then include two accidents along with the two speeding tickets and the annual cost of car insurance for a GMC Sierra goes up to an average of $4,498. That’s an increase of $2,834, or $236 per month, just for not keeping your driving record clean!
Ideas for buying budget-friendly auto insurance for a GMC Sierra
The list below shows many money-saving solutions that can help drivers get lower-cost coverage.
- Don’t waste money on full coverage for older vehicles
- Maintain a clean driving record
- Raise your physical damage coverage deductibles
- Try to not file small claims
- Avoid having at-fault accidents
- Shop your coverage around for the best deal
That last idea is very critical, as we discussed in this article. Coverage rates change frequently, so drivers shouldn’t be resistant to buy a different policy if you can find a cheaper rate. Loyalty to a specific company is fine, but is isn’t recommended if that dedication is costing several hundred dollars every year. Take a few minutes and compare prices and find cheaper auto insurance for a GMC Sierra in Buffalo.
If you would rather have a professional recommendation when comparing insurance rates for a GMC Sierra, the agents shown below are willing to help you decide which insurance coverage you need. To locate an agency close to where you live, click the link at the bottom.
The Cesar Group Inc
354 Cayuga Rd – Buffalo, NY 14225 – (716) 626-0066
Nationwide Insurance: Kevin K Conley
2521 Niagara Falls Blvd – Buffalo, NY 14228 – (716) 691-4000
Dennis Evchich Agency Inc
826 Tonawanda St – Buffalo, NY 14207 – (716) 875-7576
Marc Scherrer – State Farm Insurance Agent
2165 Sheridan Dr – Buffalo, NY 14223 – (716) 875-0524