Affordable GMC Sierra 3500HD Insurance in Plano

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Discount GMC Sierra 3500HD insuranceIt's well known that auto insurance companies don't want you to look at other companies. People who get price quotes annually are highly likely to switch auto insurance companies because there is a great chance of finding coverage at a cheaper rate. A recent survey discovered that consumers who compared price quotes annually saved over $72 a month compared to people who never shopped around.

If finding low prices for insurance in Plano is your intention, learning how to find companies and compare insurance rates can save time, money, and frustration.

If saving money is your primary concern, then the best way to get low-cost GMC Sierra 3500HD insurance is to make a habit of comparing prices annually from providers that insure vehicles in Plano. Drivers can shop around by following these steps.

Step 1: Read about what coverages are included in your policy and the measures you can take to prevent expensive coverage. Many rating factors that result in higher prices such as traffic citations, accidents, and a poor credit rating can be amended by making minor driving habit or lifestyle changes.

Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like Progressive and State Farm, while independent agents can provide prices from many different companies. Compare rates now

Step 3: Compare the new rates to your current policy premium and determine if cheaper Sierra 3500HD coverage is available in Plano. If you find a lower rate quote, verify that coverage does not lapse between policies.

An important note is to try to compare the same level of coverage on each price quote and and to get price estimates from every company you can. Doing this enables a fair rate comparison and plenty of rates choose from.

Auto insurance policy discounts you can't miss

Some insurance providers don't always publicize every possible discount in a way that's easy to find, so the list below details both the well known and also the lesser-known discounts that may be available.Save money with discounts

  • Lower Rates for Military - Having an actively deployed family member could qualify you for better premium rates.
  • Passive Restraint Discount - Factory options such as air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Seat Belt Usage - Drivers who require all vehicle occupants to use a seat belt may be able to save a few bucks off the PIP or medical payment premium.
  • Plano Homeowners Discount - Owning a house in Plano may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Discount for Good Grades - This discount can save 20 to 25%. The good student discount can last up to age 25.

It's important to understand that most discounts do not apply to your bottom line cost. Most cut specific coverage prices like comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, companies don't profit that way.

The diagram below compares GMC Sierra 3500HD car insurance costs with and without discounts applied to the rates. The data is based on a female driver, no claims or driving citations, Texas state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, homeowner, multi-car, safe-driver, and marriage discounts applied.

Popular auto insurance companies and a summarized list of policyholder discounts are:

  • GEICO may include discounts for multi-vehicle, seat belt use, anti-theft, multi-policy, defensive driver, and federal employee.
  • Auto-Owners Insurance offers discounts including mature driver, multiple vehicles, paid in full, student away at school, company car, anti-theft, and multi-policy.
  • American Family offers premium reductions for Steer into Savings, multi-vehicle, good driver, accident-free, air bags, and good student.
  • Esurance has savings for defensive driver, online shopper, renters, anti-lock brakes, multi-car, homeowner, and multi-policy.
  • Progressive has discounts for homeowner, online quote discount, online signing, good student, and multi-vehicle.
  • State Farm offers discounts for passive restraint, defensive driving training, safe vehicle, multiple autos, good student, and good driver.
  • AAA includes discounts for education and occupation, good driver, multi-car, anti-theft, and good student.

Before buying, ask every company to apply every possible discount. Some credits might not be offered in Plano. To see a list of insurers that offer many of these discounts in Plano, follow this link.

The companies in the list below have been selected to offer comparison quotes in Texas. If your goal is to find cheaper car insurance in Plano, TX, it's highly recommended you visit two to three different companies in order to find the cheapest rates.

Rates and data analysis

The data table below showcases a range of policy rates for GMC Sierra 3500HD models. Being more informed about how policy rates are figured can be of help when making smart choices when comparing insurance rates.

GMC Sierra 3500HD Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra 3500HD SLE Regular Cab 2WD $224 $422 $462 $28 $138 $1,274 $106
Sierra 3500HD SLE Regular Cab 4WD $224 $486 $576 $34 $172 $1,492 $124
Sierra 3500HD SLE Crew Cab 2WD $224 $422 $462 $28 $138 $1,274 $106
Sierra 3500HD SLE Extended Cab 2WD $224 $422 $462 $28 $138 $1,274 $106
Sierra 3500HD SLE Extended Cab 4WD $224 $486 $576 $34 $172 $1,492 $124
Sierra 3500HD SLE Crew Cab 4WD $224 $486 $576 $34 $172 $1,492 $124
Sierra 3500HD SLT Extended Cab 2WD $224 $422 $462 $28 $138 $1,274 $106
Sierra 3500HD SLT Crew Cab 4WD $224 $486 $576 $34 $172 $1,492 $124
Sierra 3500HD SLT Extended Cab 4WD $224 $486 $576 $34 $172 $1,492 $124
Sierra 3500HD SLT Crew Cab 2WD $248 $486 $462 $28 $138 $1,362 $114
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Prices do not factor in your specific Plano location which can influence insurance rates significantly.

An analysis of deductible level

One of the hardest decisions when shopping for car insurance is the level to set your comp and collision deductibles. The data tables below may help you to understand how much more you'll pay when you select higher and lower insurance deductibles. The first set of prices uses a $250 deductible for comp and collision and the second price grid uses a $1,000 deductible.

GMC Sierra 3500HD insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra 3500HD SLE Regular Cab 2WD $370 $584 $382 $22 $114 $1,497 $125
Sierra 3500HD SLE Regular Cab 4WD $370 $672 $476 $28 $142 $1,713 $143
Sierra 3500HD SLE Crew Cab 2WD $370 $584 $382 $22 $114 $1,497 $125
Sierra 3500HD SLE Extended Cab 2WD $370 $584 $382 $22 $114 $1,497 $125
Sierra 3500HD SLE Extended Cab 4WD $370 $672 $476 $28 $142 $1,713 $143
Sierra 3500HD SLE Crew Cab 4WD $370 $672 $476 $28 $142 $1,713 $143
Sierra 3500HD SLT Extended Cab 2WD $370 $584 $382 $22 $114 $1,497 $125
Sierra 3500HD SLT Crew Cab 4WD $370 $672 $476 $28 $142 $1,713 $143
Sierra 3500HD SLT Extended Cab 4WD $370 $672 $476 $28 $142 $1,713 $143
Sierra 3500HD SLT Crew Cab 2WD $408 $672 $382 $22 $114 $1,623 $135
Get Your Own Custom Quote Go
GMC Sierra 3500HD insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra 3500HD SLE Regular Cab 2WD $228 $368 $382 $22 $114 $1,114 $93
Sierra 3500HD SLE Regular Cab 4WD $228 $424 $476 $28 $142 $1,298 $108
Sierra 3500HD SLE Crew Cab 2WD $228 $368 $382 $22 $114 $1,114 $93
Sierra 3500HD SLE Extended Cab 2WD $228 $368 $382 $22 $114 $1,114 $93
Sierra 3500HD SLE Extended Cab 4WD $228 $424 $476 $28 $142 $1,298 $108
Sierra 3500HD SLE Crew Cab 4WD $228 $424 $476 $28 $142 $1,298 $108
Sierra 3500HD SLT Extended Cab 2WD $228 $368 $382 $22 $114 $1,114 $93
Sierra 3500HD SLT Crew Cab 4WD $228 $424 $476 $28 $142 $1,298 $108
Sierra 3500HD SLT Extended Cab 4WD $228 $424 $476 $28 $142 $1,298 $108
Sierra 3500HD SLT Crew Cab 2WD $252 $424 $382 $22 $114 $1,194 $100
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Price information does not factor in vehicle garaging location which can revise coverage rates substantially.

Using the data above, we can ascertain that using a $250 deductible costs approximately $34 more each month or $408 every year averaged for all Sierra 3500HD models than quoting the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 22 months between claims, you would save money if you opt for a higher deductible.

The information below shows how choosing a deductible and can raise or lower GMC Sierra 3500HD insurance prices for each age group. The premiums are based on a married male driver, comp and collision included, and no policy discounts are applied.

Illustration showing the impact of accidents and violations

The chart below illustrates how violations and fender-benders can increase GMC Sierra 3500HD annual premium costs for different insured age categories. The price estimates are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are factored in.

Impact of age and gender on car insurance rates

The diagram below illustrates the comparison of GMC Sierra 3500HD annual premium costs for male and female drivers. The premiums are based on no claims, a clean driving record, full coverage, $100 deductibles, drivers are not married, and no other discounts are factored in.

Compare prices but buy from a neighborhood Plano auto insurance agent

Many people just want to buy from a local agent and that is OK! Professional insurance agents are very good at helping people manage risk and help in the event of a claim. The best thing about comparing insurance online is that you can obtain the lowest rates and still have a local agent.

Insurance agency in PlanoTo find an agent, once you fill out this form (opens in new window), the quote information is immediately sent to participating agents in Plano that can provide free Plano car insurance quotes for your insurance coverage. There is no reason to leave your house since price quotes are sent to the email address you provide. If you have a need to get a rate quote from a specific company, feel free to jump over to their website to submit a rate quote request.

Finding a good insurer requires more thought than just the quoted price. The answers to these questions are important, too.

  • Will the agent or a CSR service your policy?
  • If you have an accident, will your rates go up?
  • How often do they review coverages?
  • Does the company have a solid financial rating?
  • Do they regularly work with personal auto policies in Plano?
  • Do they get extra compensation for selling add-on coverages?

If you want to buy insurance from a local agent, it can be helpful to understand the different types of agencies that you can select. Insurance agencies in Plano can be categorized as either exclusive agents or independent agents. Either can do a good job, but it's worth mentioning the difference between them because it may have an impact on which type of agent you select.

Exclusive Insurance Agents

Agents that elect to be exclusive are contracted to one company and examples are Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agents are unable to provide prices from multiple companies so if the price isn't competitive there isn't much they can do. Exclusive agents are trained well in insurance sales and that allows them to sell at a higher price point.

Listed below is a list of exclusive agents in Plano who can help you get price quotes.

1301 Custer Rd #340 - Plano, TX 75075 - (972) 309-0009 - View Map

2100 Dallas Pkwy #110 - Plano, TX 75093 - (972) 403-1060 - View Map

6853 Coit Rd Ste 400 - Plano, TX 75024 - (972) 423-4009 - View Map

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Independent Insurance Agents

Agents of this type are not limited to a single company and that is an advantage because they can write policies through lots of different companies and potentially find a lower price. If your premiums go up, your agent can just switch to a different company and you can keep the same agent.

If you are trying to find cheaper rates, you need to contact at a minimum one independent agency to have the best price comparison.

Shown below is a list of independent agents in Plano that can give you price quote information.

5048 Tennyson Pkwy #250 - Plano, TX 75024 - (972) 801-9188 - View Map

2770 Main St #104 - Frisco, TX 75033 - (972) 380-6677 - View Map

2504 K Ave #400 - Plano, TX 75074 - (972) 423-4348 - View Map

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If you feel you receive positive feedback to any questions you may have and the cheapest GMC Sierra 3500HD insurance in Plano quotes, it's a good possibility that you have found a car insurance agent that is professional and can service your policy.

What insurance coverages do you need?

Having a good grasp of a insurance policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. Listed below are typical coverages available from insurance companies.

Liability car insurance

Liability insurance will cover damage that occurs to other's property or people that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 30/60/25 which stand for a limit of $30,000 per injured person, a per accident bodily injury limit of $60,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as medical services, funeral expenses, medical expenses, legal defense fees and bail bonds. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible. Texas requires drivers to carry at least 30/60/25 but drivers should carry higher limits.

The chart below shows why buying the state minimum limits may not be adequate.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle's damage.

Since many Texas drivers only purchase the least amount of liability that is required (30/60/25 in Texas), it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Collision insurance

This pays for damage to your Sierra 3500HD resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sideswiping another vehicle, sustaining damage from a pot hole, backing into a parked car and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible on your Sierra 3500HD to bring the cost down.

Comprehensive (Other than Collision)

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, a tree branch falling on your vehicle, fire damage, vandalism and hail damage. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for bills such as EMT expenses, rehabilitation expenses, chiropractic care and prosthetic devices. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

More effort can pay off

When searching for cheaper Plano car insurance quotes, you should never reduce coverage to reduce premium. Too many times, someone sacrificed collision coverage and learned later that it was a big mistake. The ultimate goal is to buy enough coverage at a price you can afford, but do not skimp to save money.

In this article, we presented quite a bit of information on how to find lower-cost GMC Sierra 3500HD insurance in Plano. The key thing to remember is the more companies you get premium rates for, the better chance you'll have of finding affordable GMC Sierra 3500HD insurance quotes. You may even be surprised to find that the best car insurance rates are with a small local company. These smaller insurers can often provide lower premium rates in certain areas than their larger competitors like Progressive or GEICO.

More detailed insurance information is available at these sites: