Buying the best cheap car insurance for a GMC Sierra can be really easy, but it relies on many rating factors such as whether you are male or female, your credit rating, and physical damage deductibles. Texas drivers will pay around $910 a year to insure their Sierra, but that cost is a valuation calculated using a 50-year-old married male driver with full coverage and $1,000 deductibles.
There’s a good chance you are not 50 years old and maybe not even male, you might be single instead of married, or maybe you have a teenager that needs to be on your policy. This illustrates why the only real way to find the most affordable coverage for your GMC is to do the rate comparisons yourself. Quotes are always free and you will receive rate quotes from the cheapest companies that insure vehicles in Texas.
The trim level of your vehicle tends to have a direct effect on price, so the cost to insure a Sierra SLE Regular Cab 2WD model will be $130 less than the insurance cost for the higher-end Sierra Denali Crew Cab 4WD trim level, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra SLE Regular Cab 2WD||$142||$266||$366||$22||$110||$906||$76|
|Sierra SL Extended Cab 2WD||$142||$266||$366||$22||$110||$906||$76|
|Sierra SLE Crew Cab 2WD||$142||$266||$366||$22||$110||$906||$76|
|Sierra SL Crew Cab 2WD||$160||$312||$366||$22||$110||$970||$81|
|Sierra SLE Crew Cab 2WD||$160||$312||$366||$22||$110||$970||$81|
|Sierra SLE Regular Cab 4WD||$160||$312||$366||$22||$110||$970||$81|
|Sierra SLE Extended Cab 4WD||$160||$312||$366||$22||$110||$970||$81|
|Sierra SLE Crew Cab 4WD||$160||$312||$366||$22||$110||$970||$81|
|Sierra SLT Extended Cab 2WD||$160||$312||$366||$22||$110||$970||$81|
|Sierra SL Crew Cab 4WD||$160||$312||$366||$22||$110||$970||$81|
|Sierra SLT Extended Cab 4WD||$160||$312||$366||$22||$110||$970||$81|
|Sierra SLT Crew Cab 2WD||$160||$312||$366||$22||$110||$970||$81|
|Sierra SLT Crew Cab 4WD||$178||$360||$366||$22||$110||$1,036||$86|
|Sierra Denali Crew Cab 2WD||$178||$360||$366||$22||$110||$1,036||$86|
|Sierra Denali Crew Cab 4WD||$178||$360||$366||$22||$110||$1,036||$86|
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Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Rate quotes do not factor in garaging location in Laredo which can alter auto insurance rates greatly.
Best auto insurance in Texas
Selecting the best company can be difficult considering how many companies there are to choose from in Texas. The rank data in the next section may help you analyze which auto insurance companies you want to consider when comparing rate quotes.
The ratings below only include large insurance companies, so companies that have a smaller presence are not taken into consideration for this list. If you wish to compare rates from the insurers below and more, click this link.
Top 10 Major Auto Insurance Providers in Laredo Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Top 10 Major Auto Insurance Providers Overall in Laredo
- Mercury Insurance
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
The chart below highlights how deductible selection can increase or decrease insurance prices when trying to find cheap insurance for a GMC Sierra. The premiums assume a single female driver, comp and collision included, and no policy discounts are applied.
The data above shows that a 50-year-old driver could lower their car insurance rates by $482 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $726 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old example, could potentially save as much as $1,230 each year by selecting a higher deductible.
When insureds make the decision to increase the deductibles on their policy, it is necessary to have additional funds squirreled away to be able to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Insurance rate increases from tickets or accidents
The easiest way to snag the best auto insurance rates in Texas for a Sierra pickup is to drive safe and not receive tickets or have accidents. The information below illustrates how speeding tickets and at-fault accidents can affect car insurance costs for each different age category. The rate quotes are based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are applied.
In the previous chart, the average cost of car insurance per year with a clean driving record and no accidents is $1,927. Add in one speeding ticket and the average cost increases to $2,186, an increase of $259 each year. Then add in two accidents along with the one speeding ticket and the 12-month cost of auto insurance for a GMC Sierra goes up to an average of $4,563. That’s an increase of $2,636, or $220 per month, just for not being attentive to the road!
How to find the cheapest car insurance for a GMC Sierra
The list below details some money-saving suggestions that can help Laredo drivers buy more affordable car insurance.
- Drive safe vehicles
- Do not get tickets
- Increase your physical damage deductibles
- At-fault accidents can raise rates significantly
- Drivers with good credit ratings often pay less
- Shop around for cheaper prices often
The final tip is very significant, as was stressed in the article above. Coverage rates can change considerably in a year, so you should be ready to change to a new company if a more affordable rate is found.
Many consumers stick with the same company and that’s fine, but it’s not a good idea if your bullheadedness ends up costing you big bucks every year. If you have a few minutes, compare prices to find cheaper car insurance for a GMC Sierra in Laredo.
The Laredo car insurance agencies listed below are a good start to aid you in deciding which coverage meets your needs best, since many people would rather get some professional advice when comparing insurance rates for a GMC Sierra. It can be complicated to do it yourself, so getting advice from a licensed agent can provide satisfaction knowing your coverage gives you suitable coverage if you ever need to use it. To locate an agency nearest to you, click the button link following the list or click here to get price quotes now.
Allstate Insurance Agent: Mike Cortez
201 W Del Mar Blvd Ste 16 – Laredo, TX 78041 – (956) 723-6453
Farmers Insurance – Gabriel Medina
9807 Mines Rd #6 – Laredo, TX 78045 – (956) 645-2510
Texas Farm Bureau Insurance – Melissa Arce
1505 Calle Del Norte Dr #210 – Laredo, TX 78041 – (956) 712-3276
Anabella Herbig – State Farm Insurance Agent
315 Calle Del Norte Dr #103 – Laredo, TX 78041 – (956) 725-1617