How long has it been since the last time you looked for low-cost GMC Sierra 3500HD insurance in Buffalo? Shopping for the most affordable Buffalo GMC Sierra 3500HD insurance quotes on the internet can appear to be somewhat difficult for beginners to comparison shopping on the internet. With such a large number of online companies available, how are we expected to possibly compare the different rates to find the lowest price available?
A recent study showed that the majority of drivers have been with the same company for more than four years, and almost 40% of drivers have never even shopped around for lower-cost coverage. The average driver in New York could save about 45% a year, but they just don’t understand how much savings they would realize if they swap their current policy for a cheaper one.
Locating the best insurance company for you in Buffalo seems hard but is not really that difficult. Essentially every driver who shops for car insurance most likely will find a cheaper policy. But New York consumers must understand the way insurance companies compete online and take advantage of how the system works.
Buffalo auto insurance discounts
Insurance can cost an arm and a leg, but you may be missing some discounts that you may not even know about. Many discounts should be triggered at the time you complete a quote, but once in a while a discount must be asked for before you get the savings. If you check and find you aren’t receiving every discount you qualify for, you’re paying more than you need to.
- Waiver for an Accident – This isn’t a discount exactly, but a handful of insurance companies will turn a blind eye to one accident before your rates go up so long as you haven’t had any claims before the accident.
- Defensive Driver Discounts – Taking part in a class that teaches safe driver techniques is a good idea and can lower rates if your company offers it.
- Claim-Free Discount – Claim-free drivers pay less in comparison to frequent claim filers.
- Telematics Data – Drivers that enable their company to analyze vehicle usage by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if they are good drivers.
- Government Employee Discount – Active or retired federal employment could cut as much as 10% off depending on your auto insurance provider.
- Military Deployment Discount – Being deployed with a military unit can result in better premium rates.
- Own a Home – Owning a house in Buffalo can get you a discount because owning a home requires personal responsibility.
A little note about advertised discounts, many deductions do not apply to the whole policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you could get a free auto insurance policy, that’s just not realistic. But any discount will bring down the premium cost.
The illustration below compares GMC Sierra 3500HD auto insurance rates with and without discounts applied to the rates. The rate quotes are based on a male driver, a clean driving record, no at-fault accidents, New York state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, multi-car, safe-driver, marriage, and claim-free discounts applied.
Some of the insurance companies that may include most of the discounts above possibly include:
If you want low cost Buffalo auto insurance quotes, ask all the companies how you can save money. Some discounts listed above might not apply in your state. To find auto insurance companies with discount rates in New York, click here to view.
When price shopping your coverage, more quotes helps increase your odds of locating the best price.
The auto insurance companies shown below have been selected to offer price comparisons in New York. If multiple companies are listed, we recommend you compare several of them to get a more complete price comparison.
GMC Sierra 3500HD insurance coverage information
The coverage information shown below outlines estimates of insurance policy prices for GMC Sierra 3500HD models. Learning a little about how auto insurance premiums are determined can help you make decisions on which insurance to purchase.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra 3500HD SLE Regular Cab 2WD||$220||$402||$248||$14||$74||$958||$80|
|Sierra 3500HD SLE Regular Cab 4WD||$220||$464||$312||$18||$94||$1,108||$92|
|Sierra 3500HD SLE Crew Cab 2WD||$220||$402||$248||$14||$74||$958||$80|
|Sierra 3500HD SLE Extended Cab 2WD||$220||$402||$248||$14||$74||$958||$80|
|Sierra 3500HD SLE Extended Cab 4WD||$220||$464||$312||$18||$94||$1,108||$92|
|Sierra 3500HD SLE Crew Cab 4WD||$220||$464||$312||$18||$94||$1,108||$92|
|Sierra 3500HD SLT Extended Cab 2WD||$220||$402||$248||$14||$74||$958||$80|
|Sierra 3500HD SLT Crew Cab 4WD||$220||$464||$312||$18||$94||$1,108||$92|
|Sierra 3500HD SLT Extended Cab 4WD||$220||$464||$312||$18||$94||$1,108||$92|
|Sierra 3500HD SLT Crew Cab 2WD||$244||$464||$248||$14||$74||$1,044||$87|
|Get Your Own Custom Quote Go|
Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and New York minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Prices do not factor in Buffalo location which can lower or raise premium rates substantially.
The chart below illustrates how choosing a deductible and can increase or decrease GMC Sierra 3500HD premium costs for different age groups. The data assumes a single male driver, full coverage, and no additional discounts are factored in.
Gender-based auto insurance rates
The example below visualizes the comparison of GMC Sierra 3500HD insurance costs for male and female drivers. The premiums assume no claims or driving violations, full coverage, $500 deductibles, single status, and no additional discounts are factored in.
GMC Sierra 3500HD full coverage rates compared to liability only
The illustration below visualizes the comparison of GMC Sierra 3500HD insurance costs when comparing full coverage to state minimum liability only. Data assumes no claims or driving violations, $100 deductibles, single status, and no discounts are factored in.
When to stop buying comprehensive and collision coverage
There is no clear-cut rule of when to eliminate physical damage insurance, but there is a guideline you can use. If the annual cost of coverage is more than 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.
For example, let’s assume your GMC Sierra 3500HD replacement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $2,000 after the policy deductible has been paid. If you are paying more than $200 a year for full coverage, then it might be time to consider dropping full coverage.
There are a few situations where eliminating full coverage is not financially feasible. If you haven’t paid off your loan, you have to maintain full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.
How to know if you need help
When it comes to choosing adequate coverage for your vehicles, there really isn’t a cookie cutter policy. Your financial needs are unique.
These are some specific questions may help you determine if you will benefit from professional help.
- Should I buy only the required New York minimum liability coverage?
- When do I need to add a new car to my policy?
- Am I covered when driving in Canada or Mexico?
- Is a fancy paint job covered?
- Is my teen driver covered when they drive my company car?
- How do I file an SR-22 for a DUI in New York?
If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.
Do I need an agent?
Many people just prefer to sit down with an agent and that is just fine! A good thing about comparing insurance prices online is that you can obtain lower rates and still have a local agent.
By using this quick form, your insurance data gets sent to local insurance agents in Buffalo that provide free Buffalo auto insurance quotes for your coverage. You don’t have to do any legwork as quotes are delivered instantly to you. Get lower rates AND a local agent. If you wish to quote rates from a specific insurance company, just navigate to their website to submit a rate quote request.
Finding the right provider requires more thought than just the price. Any agent in Buffalo should be forthright in answering these questions:
- Who is covered by the car insurance policy?
- Is coverage determined by price?
- Do they carry Errors and Omissions coverage?
- Does the agency provide any after hours assistance?
- Does the agent recommend any additional coverage?
- What insurance companies do they work with in Buffalo?
- Are claims handled at the agent’s location?
If you want to use a good insurance agency, it helps to know the two different types of agents and how they can quote your rates. Insurance agencies in Buffalo can be described as either exclusive agents or independent agents.
Agents that choose to be exclusive can only quote rates from one company like Allstate, State Farm and Farmers Insurance. They generally cannot shop your coverage around so it’s a take it or leave it situation. These agents are trained well on sales techniques and that allows them to sell at a higher price point. A lot of people use the same agent mostly because of the brand rather than low price.
Below is a short list of exclusive insurance agencies in Buffalo who can help you get rate quotes.
- Dan Schmidt – State Farm Insurance Agent
615 Elmwood Ave – Buffalo, NY 14222 – (716) 783-9460 – View Map
- GEICO Insurance Agent
3835 McKinley Pkwy #2 – Buffalo, NY 14219 – (716) 604-0345 – View Map
- Joe Czaja – State Farm Insurance Agent
1021 Union Rd – Buffalo, NY 14224 – (716) 674-3654 – View Map
Independent agencies do not have single company limitations and that is an advantage because they can write policies with a variety of different insurance companies and find you cheaper rates. To transfer your coverage to a different company, the agent simply finds a different carrier and you won’t have to switch agencies.
When comparing rates, it’s recommended you get several quotes from a few independent agents so that you can do a thorough price comparison. They often place coverage with smaller companies which can save you money.
Listed below is a list of independent insurance agents in Buffalo who can help you get comparison quotes.
- Burch Insurance Agency
4180 Bailey Ave – Buffalo, NY 14226 – (716) 830-3417 – View Map
- Nationwide Insurance: Debra R Hamsher
1101 Niagara Falls Blvd – Buffalo, NY 14226 – (716) 833-1900 – View Map
- Clauss and Company Insurance Agency
735 Delaware Ave – Buffalo, NY 14209 – (716) 886-6600 – View Map
Persistent drivers can save
We just showed you many tips how you can get a better price on GMC Sierra 3500HD insurance in Buffalo. The key concept to understand is the more price quotes you have, the higher your chance of finding cheaper Buffalo auto insurance quotes. You may even be surprised to find that the most savings is with the smaller companies.
When shopping online for auto insurance, it’s a bad idea to buy less coverage just to save a little money. In too many instances, an insured cut liability coverage limits and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to get the best coverage possible at a price you can afford, but do not sacrifice coverage to save money.
Insureds change insurance companies for a variety of reasons including high prices, poor customer service, extreme rates for teen drivers or policy non-renewal. Whatever your reason, choosing a new insurance company can be less work than you think.
How to buy lower priced GMC Sierra 3500HD insurance in Buffalo
Truthfully, the best way to find cheaper quotes for GMC Sierra 3500HD insurance in Buffalo is to compare quotes once a year from companies who sell insurance in New York. Drivers can shop around by following these steps.
First, get an understanding of the different coverages in a policy and the steps you can take to lower rates. Many rating factors that are responsible for high rates such as traffic violations and a not-so-good credit score can be eliminated by making minor changes in your lifestyle.
Second, request rate estimates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from a single company like Progressive and State Farm, while independent agencies can quote rates from multiple companies.
Third, compare the new rate quotes to your existing policy and determine if there is any savings. If you find better rates, ensure there is no coverage lapse between policies.
Fourth, notify your current company of your intent to cancel your current auto insurance policy and submit the completed application along with a down payment to your new agent or company. As soon as you have the new policy, safely store the proof of insurance certificate in your glove compartment.
A crucial key to this process is to compare the same amount of coverage on each quote and and to get price estimates from as many different insurance providers as possible. This helps ensure a fair price comparison and maximum price selection.
For more information, link through to the articles below:
- Top Signs Your Brakes are Giving Out (State Farm)
- Who Has Cheap Auto Insurance for Drivers Under 21 in Buffalo? (FAQ)
- Who Has the Cheapest Buffalo Car Insurance Quotes for High Mileage Drivers? (FAQ)
- Who Has the Cheapest Buffalo Auto Insurance for 18 Year Olds? (FAQ)
- What Insurance is Cheapest for Single Moms in Buffalo? (FAQ)
- Who Has Affordable Buffalo Car Insurance Quotes for Drivers Requiring a SR22? (FAQ)
- How Much are Buffalo Car Insurance Rates for a Honda Accord? (FAQ)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Things to Know Before you Cancel Insurance (Allstate)