If you are new to online price comparisons, chances are good that you are confused by the confusing number of online car insurance companies and websites all claiming to have the lowest rates for GMC Sierra insurance in Charlotte.
How to find cheaper GMC Sierra insurance in Charlotte
If saving the most money is your goal, then the best way to get more affordable GMC Sierra insurance in Charlotte is to start comparing rates regularly from insurance carriers in North Carolina. Price quotes can be compared by following these steps.
- Step 1: Get an understanding of auto insurance and the things you can control to keep rates down. Many factors that result in higher prices such as your driving record and a not-so-good credit rating can be controlled by making minor changes to your lifestyle.
- Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from a single company like Progressive or Farmers Insurance, while agents who are independent can quote rates for a wide range of companies.
- Step 3: Compare the new rates to the premium of your current policy to determine if you can save on Sierra insurance in Charlotte. If you find a lower rate and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Step 4: Notify your company or agent of your intent to cancel your current auto insurance policy and submit the application along with any required down payment to your new carrier. Make sure you put the new proof of insurance paperwork in your vehicle’s glove compartment or console.
A good tip to remember is to make sure you enter similar deductibles and liability limits on each quote request and and to get rate quotes from all possible companies. This provides a fair rate comparison and a better comparison of the market.
Everyone knows that auto insurance companies want to keep your business as long as possible. Drivers who compare rates at least once a year will probably buy a different policy because there is a good chance of finding more affordable rates. Remarkably, a study showed that drivers who compared price quotes annually saved $860 a year as compared to drivers who never compared other company’s rates.
If saving the most money on insurance in Charlotte is the reason for your visit, knowing how to get price quotes and compare cheaper coverage can make shopping around easier.
Smart consumers take time to compare premium rates on a regular basis since insurance rates fluctuate regularly. Despite the fact that you may have had the best premium rates on GMC Sierra insurance in Charlotte at your last renewal there may be better deals available now. Forget all the misinformation about car insurance because you’re about to learn one of the best ways to buy cheaper GMC Sierra insurance in Charlotte.
Insurance rate breakdown
The rate information below covers different policy rates for GMC Sierra models. Having insight into how premiums are determined can help you make smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra SLE Regular Cab 2WD | $166 | $318 | $262 | $16 | $78 | $840 | $70 |
| Sierra SL Extended Cab 2WD | $166 | $318 | $262 | $16 | $78 | $840 | $70 |
| Sierra SLE Crew Cab 2WD | $166 | $318 | $262 | $16 | $78 | $840 | $70 |
| Sierra SL Crew Cab 2WD | $186 | $374 | $262 | $16 | $78 | $916 | $76 |
| Sierra SLE Crew Cab 2WD | $186 | $374 | $262 | $16 | $78 | $916 | $76 |
| Sierra SLE Regular Cab 4WD | $186 | $374 | $262 | $16 | $78 | $916 | $76 |
| Sierra SLE Extended Cab 4WD | $186 | $374 | $262 | $16 | $78 | $916 | $76 |
| Sierra SLE Crew Cab 4WD | $186 | $374 | $262 | $16 | $78 | $916 | $76 |
| Sierra SLT Extended Cab 2WD | $186 | $374 | $262 | $16 | $78 | $916 | $76 |
| Sierra SL Crew Cab 4WD | $186 | $374 | $262 | $16 | $78 | $916 | $76 |
| Sierra SLT Extended Cab 4WD | $186 | $374 | $262 | $16 | $78 | $916 | $76 |
| Sierra SLT Crew Cab 2WD | $186 | $374 | $262 | $16 | $78 | $916 | $76 |
| Sierra SLT Crew Cab 4WD | $208 | $432 | $262 | $16 | $78 | $996 | $83 |
| Sierra Denali Crew Cab 2WD | $208 | $432 | $262 | $16 | $78 | $996 | $83 |
| Sierra Denali Crew Cab 4WD | $208 | $432 | $262 | $16 | $78 | $996 | $83 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Estimates do not factor in your specific Charlotte location which can revise insurance rates substantially.
Physical damage deductibles
One of the hardest decisions when shopping for car insurance is where to set your physical damage deductibles. The data tables below summarize the costs and benefits when you choose different insurance deductibles. The first pricing table uses a $100 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra SLE Regular Cab 2WD | $214 | $386 | $250 | $14 | $74 | $963 | $80 |
| Sierra SL Extended Cab 2WD | $214 | $386 | $250 | $14 | $74 | $963 | $80 |
| Sierra SLE Crew Cab 2WD | $214 | $386 | $250 | $14 | $74 | $963 | $80 |
| Sierra SL Crew Cab 2WD | $242 | $456 | $250 | $14 | $74 | $1,061 | $88 |
| Sierra SLE Crew Cab 2WD | $242 | $456 | $250 | $14 | $74 | $1,061 | $88 |
| Sierra SLE Regular Cab 4WD | $242 | $456 | $250 | $14 | $74 | $1,061 | $88 |
| Sierra SLE Extended Cab 4WD | $242 | $456 | $250 | $14 | $74 | $1,061 | $88 |
| Sierra SLE Crew Cab 4WD | $242 | $456 | $250 | $14 | $74 | $1,061 | $88 |
| Sierra SLT Extended Cab 2WD | $242 | $456 | $250 | $14 | $74 | $1,061 | $88 |
| Sierra SL Crew Cab 4WD | $242 | $456 | $250 | $14 | $74 | $1,061 | $88 |
| Sierra SLT Extended Cab 4WD | $242 | $456 | $250 | $14 | $74 | $1,061 | $88 |
| Sierra SLT Crew Cab 2WD | $242 | $456 | $250 | $14 | $74 | $1,061 | $88 |
| Sierra SLT Crew Cab 4WD | $270 | $524 | $250 | $14 | $74 | $1,157 | $96 |
| Sierra Denali Crew Cab 2WD | $270 | $524 | $250 | $14 | $74 | $1,157 | $96 |
| Sierra Denali Crew Cab 4WD | $270 | $524 | $250 | $14 | $74 | $1,157 | $96 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra SLE Regular Cab 2WD | $118 | $204 | $250 | $14 | $74 | $660 | $55 |
| Sierra SL Extended Cab 2WD | $118 | $204 | $250 | $14 | $74 | $660 | $55 |
| Sierra SLE Crew Cab 2WD | $118 | $204 | $250 | $14 | $74 | $660 | $55 |
| Sierra SL Crew Cab 2WD | $134 | $240 | $250 | $14 | $74 | $712 | $59 |
| Sierra SLE Crew Cab 2WD | $134 | $240 | $250 | $14 | $74 | $712 | $59 |
| Sierra SLE Regular Cab 4WD | $134 | $240 | $250 | $14 | $74 | $712 | $59 |
| Sierra SLE Extended Cab 4WD | $134 | $240 | $250 | $14 | $74 | $712 | $59 |
| Sierra SLE Crew Cab 4WD | $134 | $240 | $250 | $14 | $74 | $712 | $59 |
| Sierra SLT Extended Cab 2WD | $134 | $240 | $250 | $14 | $74 | $712 | $59 |
| Sierra SL Crew Cab 4WD | $134 | $240 | $250 | $14 | $74 | $712 | $59 |
| Sierra SLT Extended Cab 4WD | $134 | $240 | $250 | $14 | $74 | $712 | $59 |
| Sierra SLT Crew Cab 2WD | $134 | $240 | $250 | $14 | $74 | $712 | $59 |
| Sierra SLT Crew Cab 4WD | $150 | $276 | $250 | $14 | $74 | $764 | $64 |
| Sierra Denali Crew Cab 2WD | $150 | $276 | $250 | $14 | $74 | $764 | $64 |
| Sierra Denali Crew Cab 4WD | $150 | $276 | $250 | $14 | $74 | $764 | $64 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Rates do not factor in specific location which can impact rates substantially.
Based on the figures above, using a $100 deductible will cost you about $29 more each month or $348 for a full year than requesting the higher $1,000 deductible. Because you would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you go at a minimum 31 months between claim filings, you would come out ahead if you choose the higher deductible.
Calculate savings of higher deductibles
| Average monthly premium for $100 deductibles: | $88 |
| Average monthly premium for $1,000 deductibles (subtract): | – $59 |
| Monthly savings from raising deductible: | $29 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $29 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 31 months |
One thing to be aware of is that a higher deductible results in more money out-of-pocket when you file a claim. You will want to have enough disposable savings in the event you have to pay the deductible.
The information below illustrates how your choice of deductibles and can change GMC Sierra yearly insurance costs for different age categories. The data is based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Car insurance rates based on gender
The information below illustrates the difference between GMC Sierra car insurance costs for male and female drivers. The information is based on no accidents, no driving violations, full coverage, $100 deductibles, single marital status, and no discounts are applied.
Check for these nine money saving discounts
Auto insurance is neither fun to buy or cheap, but there are discounts available that you may not even be aware of. Many discounts should be triggered when you get a quote, but occasionally some discounts must be asked about prior to getting the savings.
- Driver Safety – Taking part in a course in driver safety could possibly earn you a 5% discount and make you a better driver.
- Save with More Vehicles Insured – Buying insurance for multiple cars with one company could earn a price break for each car.
- Paper-free Discount – Many auto insurance companies will provide an incentive simply for signing on the web.
- Seat Belt Usage – Requiring all passengers to buckle up can save 10% or more off the medical payments premium.
- Discount for Life Insurance – Insurance companies who offer life insurance give a small discount if you purchase auto and life insurance together.
- ABS Brakes – Cars, trucks, and SUVs with anti-lock braking systems have fewer accidents and earn discounts up to 10%.
- Active Service Discounts – Having a family member in the military could qualify you for better prices.
- Responsible Driver Discounts – Drivers without accidents can save up to 40% or more on their Charlotte car insurance quote than their less cautious counterparts.
- Resident Student – Children who are enrolled in higher education away from home and leave their car at home may be able to be covered for less.
As a sidenote, most credits do not apply to the entire cost. Most only reduce individual premiums such as medical payments or collision. So even though you would think you could get a free auto insurance policy, auto insurance companies aren’t that generous.
The chart below visualizes the comparison of GMC Sierra car insurance rates with and without discounts applied. The costs are based on a female driver, no accidents, no driving violations, North Carolina state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, claim-free, safe-driver, multi-car, and multi-policy discounts applied.
To find insurance companies that offer multiple discounts in Charlotte, click here.
Auto insurance 101
Understanding the coverages of a car insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be confusing and coverage can change by endorsement.
Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for prosthetic devices, funeral costs and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage
Collision coverage – Collision coverage will pay to fix damage to your Sierra resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.
Collision coverage pays for things such as sideswiping another vehicle, hitting a parking meter, crashing into a ditch and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible on your Sierra to save money on collision insurance.
Liability coverages – Liability insurance can cover damages or injuries you inflict on people or other property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 30/60/25 that translate to $30,000 bodily injury coverage, a total of $60,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.
Liability can pay for claims like medical expenses, attorney fees, funeral expenses and court costs. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford. North Carolina requires drivers to carry at least 30/60/25 but drivers should carry better liability coverage.
The next chart shows why buying the state minimum limits may not be high enough to cover claims.
Comprehensive coverage – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things like falling objects, hitting a deer, theft and fire damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Uninsured/Underinsured Motorist coverage – This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.
Because many people carry very low liability coverage limits (North Carolina limits are 30/60/25), their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.
How much can you save?
Some insurance providers may not have online rate quotes and these smaller companies sell through local independent agents. Budget-conscious GMC Sierra insurance can be purchased both online and from local insurance agents, and you should compare price quotes from both so you have a total pricing picture.
When shopping online for car insurance, it’s very important that you do not buy poor coverage just to save money. Too many times, someone sacrificed liability limits or collision coverage and learned later that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.
We covered many ideas to reduce GMC Sierra insurance auto insurance rates online in Charlotte. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding inexpensive Charlotte car insurance quotes. You may even be surprised to find that the lowest auto insurance rates come from some of the lesser-known companies.
How to buy discount GMC Sierra insurance in Charlotte
The best way to get low-cost GMC Sierra insurance is to start comparing prices yearly from insurance carriers who sell insurance in Charlotte. You can compare prices by completing these steps.
- Step 1: Get an understanding of how insurance companies determine prices and the things you can change to prevent rate increases. Many policy risk factors that increase rates like accidents, careless driving, and bad credit can be controlled by making minor driving habit or lifestyle changes.
- Step 2: Get rate quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like GEICO or Allstate, while agents who are independent can provide price quotes from many different companies.
- Step 3: Compare the new rates to the price on your current policy and determine if there is any savings. If you find a lower rate and make a switch, ensure there is no coverage lapse between policies.
A good tip to remember is to try to use identical limits and deductibles on every quote and and to get rates from as many car insurance companies as possible. This enables the most accurate price comparison and the most accurate and complete price analysis.
Additional car insurance information can be read at the links below
- Side Impact Crash Tests (iihs.org)
- Who Has Affordable Charlotte Auto Insurance Quotes for a Chevrolet Equinox? (FAQ)
- Who Has Cheap Charlotte Car Insurance Rates for Low Income Drivers? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Drivers Over Age 70 in Charlotte? (FAQ)
- How Much are Charlotte Auto Insurance Rates for Uber Drivers? (FAQ)
- What Car Insurance is Cheapest for a Honda CR-V in Charlotte? (FAQ)
- Who Has Affordable Charlotte Auto Insurance Quotes for 16 Year Olds? (FAQ)
- How to Avoid Staged Accidents (State Farm)
- Insuring a Leased Car (Insurance Information Institute)
- Safety Tips for Teen Drivers (Insurance Information Institute)