Auto Insurance Quotes for a GMC Sierra in Henderson

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Discount GMC Sierra insuranceIt takes a little time, but the best way to find low-cost car insurance rates is to compare quotes once a year from different companies that insure vehicles in Henderson.

Step 1: Read about individual coverages and the steps you can take to keep rates down. Many rating factors that cause high rates like at-fault accidents and an unacceptable credit history can be eliminated by making lifestyle changes or driving safer.

Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like GEICO or Farmers Insurance, while independent agencies can provide prices from multiple companies. View prices

Step 3: Compare the new rate quotes to the premium of your current policy and determine if there is any savings. If you can save some money and switch companies, make sure there is no coverage gap between policies.

Step 4: Notify your company or agent of your intention to cancel your current auto insurance policy and submit a completed policy application and payment for your new coverage. As soon as you receive it, keep your new proof of insurance certificate in your vehicle.

A crucial key to this process is to use the same coverage limits and deductibles on every price quote and and to analyze as many different insurance providers as possible. This enables a level playing field and many rates to choose from.

We don't have to tell you that auto insurance companies want to keep you from shopping around. Consumers who shop around for cheaper rates will probably switch car insurance companies because there is a good probability of finding a lower-cost company. Surprisingly, a recent survey revealed that drivers who compared rates once a year saved approximately $860 a year as compared to drivers who don't regularly compare prices.

If finding the cheapest rates on GMC Sierra insurance is your ultimate target, knowing the best ways to shop for coverage rates can make it easier for you to save money.

Buying the cheapest car insurance in Henderson can initially seem challenging. If you are already insured, you stand a good chance to be able to reduce premiums using the ideas you're about to read. Smart buyers only need an understanding of the most efficient way to get comparison rates online from multiple companies.

Cutting your Henderson insurance rates can be surprisingly simple. The only requirement is to take the time to compare rate quotes from different insurance companies.

The companies shown below provide quotes in Nevada. To find cheap auto insurance in NV, we recommend you compare several of them in order to find the lowest rates.

Insurance coverage details

The premium table displayed below outlines detailed analysis of rate quotes for GMC Sierra models. Understanding how car insurance prices are calculated can be valuable when making smart choices when selecting a policy.

GMC Sierra Insurance Rates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $228 $470 $324 $20 $96 $1,138 $95
Sierra SL Extended Cab 2WD $228 $470 $324 $20 $96 $1,138 $95
Sierra SLE Crew Cab 2WD $228 $470 $324 $20 $96 $1,138 $95
Sierra SL Crew Cab 2WD $258 $554 $324 $20 $96 $1,252 $104
Sierra SLE Crew Cab 2WD $258 $554 $324 $20 $96 $1,252 $104
Sierra SLE Regular Cab 4WD $258 $554 $324 $20 $96 $1,252 $104
Sierra SLE Extended Cab 4WD $258 $554 $324 $20 $96 $1,252 $104
Sierra SLE Crew Cab 4WD $258 $554 $324 $20 $96 $1,252 $104
Sierra SLT Extended Cab 2WD $258 $554 $324 $20 $96 $1,252 $104
Sierra SL Crew Cab 4WD $258 $554 $324 $20 $96 $1,252 $104
Sierra SLT Extended Cab 4WD $258 $554 $324 $20 $96 $1,252 $104
Sierra SLT Crew Cab 2WD $258 $554 $324 $20 $96 $1,252 $104
Sierra SLT Crew Cab 4WD $286 $636 $324 $20 $96 $1,362 $114
Sierra Denali Crew Cab 2WD $286 $636 $324 $20 $96 $1,362 $114
Sierra Denali Crew Cab 4WD $286 $636 $324 $20 $96 $1,362 $114
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Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Table data does not factor in Henderson location which can decrease or increase premium rates considerably.

Choosing deductibles

One of the more difficult decisions when buying auto insurance is which deductibles should you choose. The rates below can help you visualize the difference in cost when you select higher and lower comp and collision deductibles. The first pricing table uses a $100 comprehensive and collision deductible and the second set of rates uses a $500 deductible.

GMC Sierra insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $266 $478 $308 $18 $92 $1,187 $99
Sierra SL Extended Cab 2WD $266 $478 $308 $18 $92 $1,187 $99
Sierra SLE Crew Cab 2WD $266 $478 $308 $18 $92 $1,187 $99
Sierra SL Crew Cab 2WD $300 $564 $308 $18 $92 $1,307 $109
Sierra SLE Crew Cab 2WD $300 $564 $308 $18 $92 $1,307 $109
Sierra SLE Regular Cab 4WD $300 $564 $308 $18 $92 $1,307 $109
Sierra SLE Extended Cab 4WD $300 $564 $308 $18 $92 $1,307 $109
Sierra SLE Crew Cab 4WD $300 $564 $308 $18 $92 $1,307 $109
Sierra SLT Extended Cab 2WD $300 $564 $308 $18 $92 $1,307 $109
Sierra SL Crew Cab 4WD $300 $564 $308 $18 $92 $1,307 $109
Sierra SLT Extended Cab 4WD $300 $564 $308 $18 $92 $1,307 $109
Sierra SLT Crew Cab 2WD $300 $564 $308 $18 $92 $1,307 $109
Sierra SLT Crew Cab 4WD $334 $650 $308 $18 $92 $1,427 $119
Sierra Denali Crew Cab 2WD $334 $650 $308 $18 $92 $1,427 $119
Sierra Denali Crew Cab 4WD $334 $650 $308 $18 $92 $1,427 $119
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GMC Sierra insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $194 $324 $308 $18 $92 $936 $78
Sierra SL Extended Cab 2WD $194 $324 $308 $18 $92 $936 $78
Sierra SLE Crew Cab 2WD $194 $324 $308 $18 $92 $936 $78
Sierra SL Crew Cab 2WD $218 $382 $308 $18 $92 $1,018 $85
Sierra SLE Crew Cab 2WD $218 $382 $308 $18 $92 $1,018 $85
Sierra SLE Regular Cab 4WD $218 $382 $308 $18 $92 $1,018 $85
Sierra SLE Extended Cab 4WD $218 $382 $308 $18 $92 $1,018 $85
Sierra SLE Crew Cab 4WD $218 $382 $308 $18 $92 $1,018 $85
Sierra SLT Extended Cab 2WD $218 $382 $308 $18 $92 $1,018 $85
Sierra SL Crew Cab 4WD $218 $382 $308 $18 $92 $1,018 $85
Sierra SLT Extended Cab 4WD $218 $382 $308 $18 $92 $1,018 $85
Sierra SLT Crew Cab 2WD $218 $382 $308 $18 $92 $1,018 $85
Sierra SLT Crew Cab 4WD $244 $438 $308 $18 $92 $1,100 $92
Sierra Denali Crew Cab 2WD $244 $438 $308 $18 $92 $1,100 $92
Sierra Denali Crew Cab 4WD $244 $438 $308 $18 $92 $1,100 $92
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Premium costs do not factor in specific Henderson garaging location which can affect rates considerably.

Based on these figures, using a $100 deductible will cost you roughly $24 more each month or $288 a year than selecting the higher $500 deductible. Due to the fact that you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you have at least 17 months between claims, you would save more money if you choose the higher deductible. The illustration below shows a better example of how this determination is made.

Average monthly premium for $100 deductibles: $109
Average monthly premium for $500 deductibles (subtract): - $85
Monthly savings from raising deductible: $24
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

An important thing to remember is that raising deductibles to get cheaper rates means you will have to pay more out-of-pocket when you have a comprehensive or collision claim. You need to have enough savings in the event you have to pay the deductible for vehicle repair.

Six factors that affect insurance rates

A large part of saving on auto insurance is knowing the different types of things that go into determining the level of your policy premiums. If you have some idea of what determines base rates, this allows you to make good choices that will entitle you to lower auto insurance prices.

The itemized list below are a few of the "ingredients" companies use to determine your rates.

  • Rates may be lower depending on your employer - Did you know that where you work can have an impact on rates? Occupations like military generals, police officers, and dentists tend to pay higher premium rates in part from high stress levels and lots of time spent at work. Conversely, careers like professors, students and the unemployed pay lower than average rates.
  • Increase comp and collision deductibles to save - The deductibles represent how much money you are required to spend out-of-pocket if a covered claim is submitted. Insurance for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of covered claims would be collision with another vehicle, fire damage, and damage from wind. The more of the claim you pay before a claim is paid (deductible), the lower your rates will be.
  • Never have policy lapses - Having an insurance coverage lapse will be a fast way to drive up your policy premiums. In addition to paying higher rates, failure to provide proof of insurance could earn you fines or a revoked license.
  • Male rates may be higher - Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. Now that doesn't mean females are better at driving than males. They both are in auto accidents at a similar rate, but guys have costlier accidents. Not only that, but men also get cited for more serious violations like DWI (DUI) or reckless driving. Youthful male drivers generally have the highest accident percentage and thus pay the highest rates.

    The example below shows the comparison of GMC Sierra car insurance costs for male and female drivers. The premium estimates are based on no claims or driving violations, full physical damage coverage, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.

  • Pay less with a high safety rating - Cars with high safety ratings tend to be cheaper to insure. These vehicles result in less severe injuries and reduced instances of injuries means lower claim amounts which can result in lower premiums. If your GMC Sierra scored at minimum four stars on Safercar.gov or an "acceptable" rating on iihs.org you may pay a lower rate.
  • Big cities have higher prices - Being located in less populated areas may provide you with better prices when it comes to auto insurance. Urban drivers have to deal with much more traffic and longer commutes to work. Lower population means reduced accidents and a lower car theft rate.
  • GMC Sierra statistical loss data - Insurance companies analyze claim trends for every vehicle to help determine the rate you pay. Vehicles that are shown to have higher claim amounts or frequency will cost more for specific coverages. The next table illustrates the insurance loss data used by companies for GMC Sierra vehicles.

    For each coverage category, the loss probability for all vehicles, regardless of manufacturer or model, is considered to be 100. Values that are 100 or less are indicative of better than average losses, while numbers that are greater than 100 point to more losses or an increased chance of larger losses than average.

    GMC Sierra Insurance Loss Statistics
    Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    GMC Sierra 1500 2WD 89 122 106
    GMC Sierra 1500 4WD 97 86 79
    GMC Sierra 1500 Crew Cab 2WD 87 99 132 69 69 89
    GMC Sierra 1500 Crew Cab 4WD 89 102 114 52 51 73
    GMC Sierra 1500 Ext Cab 2WD 98 109 96 70
    GMC Sierra 1500 Ext Cab 4WD 78 85 89 65 56 94
    GMC Sierra 2500 4WD 70 56
    GMC Sierra 2500 Crew Cab 2WD 63 101
    GMC Sierra 2500 Crew Cab 4WD 91 118 105 43 50 90
    GMC Sierra 2500 Ext Cab 4WD 67 108 85 40
    GMC Sierra 3500 Crew Cab 4WD 85 128 121 35
    BETTER
    AVERAGE
    WORSE

    Empty fields indicate not enough data collected
    Statistics from IIHS.org for 2013-2015 Model Years

Why do I need car insurance?

Even though it's not necessarily cheap to insure a GMC in Henderson, maintaining insurance may be required for several reasons.

  • The majority of states have mandatory liability insurance requirements which means the state requires specific limits of liability insurance if you want to drive legally. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
  • If your vehicle has a loan, more than likely the lender will force you to carry insurance to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the bank or lender will purchase a policy for your GMC for a much higher rate and make you pay for it.
  • Insurance protects both your assets and your GMC. It will also pay for medical bills for yourself as well as anyone injured by you. Liability coverage also pays for attorney fees and expenses if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your policy will pay to repair the damage.

The benefits of having insurance are definitely more than the cost, especially for larger claims. But the average American driver overpays as much as $855 a year so compare rates at every renewal to be sure current rates are still competitive.

Best auto insurance company in Henderson

Buying coverage from a highly-rated insurance provider can be a challenge considering how many different insurance companies sell coverage in Henderson. The company ratings listed below could help you choose which car insurance companies to look at comparing rates from.

Top Auto Insurance Companies in Henderson
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
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Data Source: Insure.com Best Car Insurance Companies