Buying the best cheap auto insurance for a GMC Sierra relies on an enormous amount of rating factors such as whether you are male or female, your credit rating, and your choice of physical damage deductibles. Wisconsin drivers pay on average $888 per year for Sierra insurance, but that price is an estimation based on a 30-year-old married female driver with full coverage and $100 deductibles.
There’s a high likelihood you are not 30 and maybe not even a female, single instead of married, or maybe you live in a different area as the quoted rates. Even a slight difference in rating variables or coverage information could result in a significant change in the policy cost.
Not every driver requires the same auto insurance coverages, so the only real way to find cheap car insurance rates for your GMC is to do a thorough rate comparison.
The specific model of Sierra has an effect on the cost of insurance, so the rate you will pay to insure a Sierra SLE Regular Cab 2WD model will be $176 cheaper than the price to insure the higher-end 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||$192||$350||$234||$14||$70||$860||$72|
|Sierra SL Extended Cab 2WD||$192||$350||$234||$14||$70||$860||$72|
|Sierra SLE Crew Cab 2WD||$192||$350||$234||$14||$70||$860||$72|
|Sierra SL Crew Cab 2WD||$216||$412||$234||$14||$70||$946||$79|
|Sierra SLE Crew Cab 2WD||$216||$412||$234||$14||$70||$946||$79|
|Sierra SLE Regular Cab 4WD||$216||$412||$234||$14||$70||$946||$79|
|Sierra SLE Extended Cab 4WD||$216||$412||$234||$14||$70||$946||$79|
|Sierra SLE Crew Cab 4WD||$216||$412||$234||$14||$70||$946||$79|
|Sierra SLT Extended Cab 2WD||$216||$412||$234||$14||$70||$946||$79|
|Sierra SL Crew Cab 4WD||$216||$412||$234||$14||$70||$946||$79|
|Sierra SLT Extended Cab 4WD||$216||$412||$234||$14||$70||$946||$79|
|Sierra SLT Crew Cab 2WD||$216||$412||$234||$14||$70||$946||$79|
|Sierra SLT Crew Cab 4WD||$242||$476||$234||$14||$70||$1,036||$86|
|Sierra Denali Crew Cab 2WD||$242||$476||$234||$14||$70||$1,036||$86|
|Sierra Denali Crew Cab 4WD||$242||$476||$234||$14||$70||$1,036||$86|
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Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Wisconsin minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Premium amounts do not factor in zip code location which can influence premium rates significantly.
Finding affordable insurance is not the easiest thing to accomplish, and finding out which company has the best auto insurance rates for a GMC Sierra may require a little more work. Every insurance provider uses a different method for determining prices, so we’ll take a look at the auto insurance companies with the overall best prices in Milwaukee, WI.
It’s important to know that Wisconsin auto insurance rates are calculated based on many things that control the price you have to pay. Simply having another birthday, marrying your spouse, or getting a driving violation can trigger rate changes resulting in some rates now being more affordable than the competition.
Lowest Insurance Price Quotes for Your Truck
USAA offers some of the best car insurance rates in Milwaukee at around $586 a year. Partners Mutual, Erie, Rockford Mutual, and Rural Mutual Insurance also make the cut as some of the more affordable Milwaukee, WI car insurance companies.
As shown in the rates above, if you have coverage with Partners Mutual and switched to USAA, you might see savings of roughly $40. Policyholders with Erie could save as much as $110 a year, and Rockford Mutual policyholders might lower prices by up to $146 a year.
To get a fast rate comparison, click here to begin a quote or visit several of the following companies.
Bear in mind that those estimates are averaged for all drivers and vehicles and are not factoring in a specific location for a GMC Sierra. So the car insurance company that is best for you may not even be in the top 30 companies shown above. That underscores the importance of why you need to quote rates from as many companies as possible using your own personal information and vehicle type.
Discount Milwaukee auto insurance
Auto insurance companies that sell policies for a GMC Sierra may also provide premium discounts that could lower prices by as much as 40% or more if you meet eligibility requirements. Companies and some of their more popular discounts are outlined below.
- Farm Bureau offers discounts for driver training, renewal discount, good student, youthful driver, multi-vehicle, and 55 and retired.
- State Farm has savings for good driver, multiple policy, student away at school, accident-free, and driver’s education.
- Progressive policyholders can earn discounts including continuous coverage, multi-vehicle, online quote discount, multi-policy, good student, homeowner, and online signing.
- Allstate may have discounts that include EZ pay plan discount, premier discount, teenSMART discount, economy car, and safe driver.
- Nationwide offers premium reductions for good student, defensive driving, accident-free, Farm Bureau membership, family plan, and anti-theft.
- MetLife has discounts for accident-free, good student, defensive driver, multi-policy, good driver, and claim-free.
The diagram below shows the difference between insurance rates with and without discounts applied to the policy rates. The costs are based on a female driver, no claims or driving violations, Wisconsin state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows the price with no discounts. The lower bar shows the rates with vehicle safety, multiple vehicle, passive restraint, safe-driver, claim-free, and marriage discounts applied. When these discounts are applied, theaverage yearly reduction on auto insurance for a GMC Sierra is 28% or $340.
The diagram below highlights how deductible choice can increase or decrease insurance prices when quoting cheap insurance for a GMC Sierra. The price estimates are based on a single female driver, full physical damage coverage, and no additional discounts are factored in.
In the chart above, a 50-year-old driver could lower their car insurance rates by $256 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $384 by using a $1,000 deductible. Young drivers, such as the 20-year-old example, could save up to $650 or more by choosing a larger deductible amount. When using a larger deductible, it is necessary to have enough savings set aside to enable you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Ideas for finding low-cost auto insurance for a GMC Sierra
The list below details a few money-saving suggestions that can help drivers locate cheap auto insurance.
- Buying your home and auto policies from the same company can earn a discount
- Raise deductibles to save money
- Pay cheaper rates with good credit scores
- Do not waste money insuring older vehicles for full coverage
- Buy a safer vehicle
- Claim-free drivers earn discounts
- Shop around for cheaper rates regularly
The last idea is certainly important, as we discussed in the prior information. Car insurance prices vary considerably, so don’t be unwilling to switch companies if a better rate can be found.
Staying with the same company for years is fine, but it’s not a great idea if that loyalty ends up costing a lot of money every month. Spend a few minutes and compare rates to find cheaper insurance for a GMC Sierra in Milwaukee.
If you have coverage questions and would like to have a little guidance when trying to find lower insurance rates for a GMC Sierra, the insurance agencies listed below can help you decide which is the best policy. To locate a Milwaukee car insurance agency near you, click the button after the list.
Diana Kostal – State Farm Insurance Agent
1410 E Capitol Dr – Milwaukee, WI 53211 – (414) 964-8680
American Family Insurance – Jaime Mercado
709 W Layton Ave – Milwaukee, WI 53221 – (414) 481-4400
Len Cratic Jr – State Farm Insurance Agent
10721 W Capitol Dr #127 – Milwaukee, WI 53222 – (414) 527-4288