What Insurance is Cheapest for a GMC Sierra in Pittsburgh?

Finding the cheapest car insurance for a GMC Sierra hinges on a complex formula that considers things such as how old the Sierra is, if you are a frequent claim filer, and any prior driving offenses you have. Drivers pay on average $924 annually for Sierra insurance, but that amount is an estimation based upon a 50-year-old single male driver with both comprehensive and collision coverage and $1,000 deductibles.

There’s a high likelihood you are not 50 and maybe not even a male, married instead of single, or maybe your Sierra doesn’t need full coverage. Even a minor difference in rating criteria can result in a big discrepancy in the policy cost.

This illustrates why the way we recommend to find cheap insurance rates for your GMC is to do a thorough rate comparison.

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Your GMC’s trim level will most likely have an effect on the annual cost of coverage, so the price you will be charged to insure a Sierra SLE Regular Cab 2WD model will be $132 less than the cost to insure the higher-priced Sierra Denali Crew Cab 4WD version, as shown in the chart below.

Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Information does not factor in garaging location in Pittsburgh which can modify rates considerably.

Shopping around for cost effective car insurance is confusing at best, and determining which company has the most affordable insurance rates for a GMC Sierra requires even more diligence.

Each company has a unique approach to set their prices, so let’s take a look at the insurance companies with the overall cheapest rates in Pennsylvania. It’s important to know that Pittsburgh, PA insurance rates are calculated based on many things which can substantially change your annual premium. That is why it is important to shop around when trying to get the lowest auto insurance rates for a GMC Sierra. Insurance rates are impacted by many different factors and can decrease or increase without notice, so the best price a year ago may now be one of the higher cost companies.

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General Casualty offers some of the most affordable car insurance rates in Pittsburgh at around $726 a year. Travelers, Penn National, USAA, and Erie would also make the list of some of the most economical Pittsburgh, PA auto insurance companies.

In the above rates, if you currently have a policy with Travelers and switched to General Casualty, you might achieve an annual savings of upwards of $53. Insureds with Penn National might save as much as $90 a year, and USAA customers might reduce prices by as much as $91 a year.

To compare your rates to other Pennsylvania insurance companies, click here to start your custom quote or quote rates from the companies below.

Remember that these premium estimates are averaged for all ages of drivers and types of vehicles and do not factor in a specific location for a GMC Sierra. So the company that can offer you the best rate may not even be in the list above. That’s why you need to quote rates from as many companies as possible using your own individual information.

Liability only or full coverage

Saving money on insurance is probably important to the majority of vehicle owners, and a great way to reduce the cost of insurance for a GMC Sierra is to not pay for full coverage. The illustration below compares car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Pennsylvania. The information is based on no violations or claims, $250 deductibles, drivers are not married, and no discounts are applied.

If we average the cost for all age groups, comprehensive and collision coverage on your policy costs $2,232 per year over and above liability coverage. That amount may make you wonder when is it safe to stop buying full coverage. There is no exact formula to delete physical damage coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

For example, let’s say your vehicle’s replacement value is $8,500 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $7,500 after you pay the deductible. If it’s costing you more than $750 annually for comprehensive and collision coverage, then you might consider buying liability only.

There are a few cases where dropping physical damage coverage is not financially feasible. If you haven’t paid off your loan, you have to keep full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not opt for liability only.

The importance of shopping around for Sierra insurance

Pennsylvania insurance rates are determined by lots of factors that will increase or decrease the policy premium. Simply having a birthday, buying higher coverage limits, or getting a speeding ticket may prompt premium changes that can cause some rates to be more affordable than the competition.

Not only may things change on your end, but companies file new rates as often as every three months as an adjustment for underwriting gains or losses. Larger than normal claims can result in high rates, while better underwriting may cause more affordable Sierra insurance rates.

To illustrate this example, the data below shows the companies that have the cheapest car insurance in Pittsburgh, PA for a 45-year-old male driver with a good driving record, no prior claims, and solid credit. When quoting prices based on his current risk factors, General Casualty may offer the best car insurance rates in Pittsburgh at $879 annually. This is $778 less than the average price paid by Pennsylvania drivers of $1,657. USAA, Erie, Travelers, and Penn National are the remainder of the cheapest Pittsburgh, PA auto insurance companies.

Now we will give the driver from above a chargeable accident, a little lower credit rating, and a couple of points charged on his driving record. Due to the fact that every auto insurer has a proprietary method for setting prices, comparing quotes could now result in a slightly different list of cheap Pittsburgh auto insurance companies as shown below.

Auto-Owners now has the cheapest car insurance in Pittsburgh with Atlantic States, USAA, Donegal Mutual, and Travelers also being competitive. This example shows why Pittsburgh drivers need to do a thorough rate comparison to find the best auto insurance rates for a GMC Sierra.

Rates are influenced by many different factors and can change without notice, so the cheapest company a year ago may now be costing you a lot of money.

If you would rather get some guidance when shopping around for cheaper insurance for a GMC Sierra, the agents below are a good start to provide answers to your questions and help you determine which auto insurance coverages would be the best in your situation.

To locate a Pittsburgh insurance agent close to where you live, click the button at the bottom of the list or click here to compare rates now.

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