Astonishing but true according to a recent study, the vast majority of drivers kept their policy with the same company for at least four years, and 38% of customers have never shopped around. The average driver in Pittsburgh can save hundreds of dollars each year by just comparing quotes, but most just don’t grasp how much savings they would realize if they just switched companies.
Truthfully, the best way to find the cheapest price for GMC Sierra 3500HD insurance in Pittsburgh is to make a habit of comparing prices annually from companies in Pennsylvania.
First, learn about what coverages are included in your policy and the factors you can control to keep rates low. Many things that drive up the price such as speeding and an imperfect credit score can be eliminated by making minor changes to your lifestyle.
Second, compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO and Allstate, while agents who are independent can quote rates from multiple insurance companies. Get quotes now
Third, compare the new rate quotes to the premium of your current policy to see if cheaper Sierra 3500HD coverage is available. If you find a better price and decide to switch, make sure there is no lapse in coverage.
Fourth, notify your agent or company of your decision to cancel your current auto insurance policy and submit a down payment along with a signed application to the newly selected company. As soon as you receive it, safely store the proof of insurance paperwork along with the vehicle’s registration papers.
A tip to remember is to try to compare the same coverage limits and deductibles on each quote and and to get prices from as many auto insurance providers as possible. This enables an accurate price comparison and a better comparison of the market.
Locating the most cost-effective insurance policy in Pittsburgh is really quite easy. If you currently have a car insurance policy, you will be able to buy cheaper insurance using the techniques presented in this article. But Pennsylvania car owners do need to learn the way insurance companies calculate your insurance rates.
Most major insurance companies give insurance quotes on the web. Getting online rates for GMC Sierra 3500HD insurance in Pittsburgh is possible for anyone as you just enter your coverage information into a form. After you complete the form, their quoting system will obtain information on your driving record and credit history and returns a price based on the information you submitted.
Getting online rate quotes for GMC Sierra 3500HD insurance in Pittsburgh makes it simple to compare prices and it is imperative to perform this step in order to find the cheapest price possible.
To save time and compare pricing, compare rates now from the companies shown below. To compare your current rates, we recommend you type in deductibles and limits as close as possible to your current policy. Doing this guarantees you’re receiving a fair comparison for similar coverage.
The companies shown below can provide free quotes in Pennsylvania. To locate the best cheap car insurance in Pittsburgh, we recommend you compare several of them to get the most competitive price.
Verify you’re receiving every discount
Some companies don’t always list the complete list of policy discounts in a way that’s easy to find, so the following list contains both the well known and the more hidden credits available to bring down your rates. If you’re not getting every credit available, you’re just leaving money on the table.
- Mature Driver Discount – Seniors may be able to get reduced rates.
- Clubs and Organizations – Belonging to specific professional or occupational memberships or organizations may earn a discount on your next renewal.
- Fewer Miles Equal More Savings – Low annual miles may enable drivers to earn lower prices on the low mileage vehicles.
- Distant College Student Discount – Kids who attend college more than 100 miles from Pittsburgh and won’t have access to an insured vehicle could get you a discount.
- Claim-Free Discount – Insureds who avoid accidents and claims can save substantially as compared to insureds who have frequent claims or accidents.
- Government Employees – Simply working for the federal government may qualify for a discount when you quote Pittsburgh car insurance depending on your company.
- Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
- Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
Policy discounts save money, but most of the big mark downs will not be given to the entire cost. A few only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, that’s just not realistic.
The information below shows the comparison of GMC Sierra 3500HD insurance costs with and without discounts applied to the policy rates. The data assumes a male driver, no accidents or driving violations, Pennsylvania state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, homeowner, marriage, claim-free, and multi-car discounts applied.
The best insurance companies and some of the discounts can be read below.
- GEICO may offer discounts for seat belt use, defensive driver, anti-theft, military active duty, and multi-policy.
- MetLife offers premium reductions for good driver, claim-free, accident-free, good student, and defensive driver.
- State Farm offers discounts for defensive driving training, multiple policy, Steer Clear safe driver discount, good student, good driver, passive restraint, and multiple autos.
- Progressive offers discounts including homeowner, good student, multi-policy, online quote discount, online signing, multi-vehicle, and continuous coverage.
- Mercury Insurance policyholders can earn discounts including good driver, location of vehicle, professional/association, accident-free, good student, type of vehicle, and age of vehicle.
- 21st Century may include discounts for early bird, good student, driver training, theft prevention, air bags, and automatic seat belts.
- Allstate includes discounts for premier discount, auto/life discount, multi-policy, good student, farm vehicle, and premier plus.
Double check with every insurance company which discounts you qualify for. Some credits might not be available to policyholders in Pittsburgh. To find insurers that can offer you the previously mentioned discounts in Pittsburgh, click here.
Rates and statistics
The premium table shown below covers different insurance rates for GMC Sierra 3500HD models. Being aware of how rates are determined can help drivers make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 3500HD SLE Regular Cab 2WD | $288 | $502 | $444 | $26 | $134 | $1,394 | $116 |
| Sierra 3500HD SLE Regular Cab 4WD | $288 | $576 | $556 | $32 | $166 | $1,618 | $135 |
| Sierra 3500HD SLE Crew Cab 2WD | $288 | $502 | $444 | $26 | $134 | $1,394 | $116 |
| Sierra 3500HD SLE Extended Cab 2WD | $288 | $502 | $444 | $26 | $134 | $1,394 | $116 |
| Sierra 3500HD SLE Extended Cab 4WD | $288 | $576 | $556 | $32 | $166 | $1,618 | $135 |
| Sierra 3500HD SLE Crew Cab 4WD | $288 | $576 | $556 | $32 | $166 | $1,618 | $135 |
| Sierra 3500HD SLT Extended Cab 2WD | $288 | $502 | $444 | $26 | $134 | $1,394 | $116 |
| Sierra 3500HD SLT Crew Cab 4WD | $288 | $576 | $556 | $32 | $166 | $1,618 | $135 |
| Sierra 3500HD SLT Extended Cab 4WD | $288 | $576 | $556 | $32 | $166 | $1,618 | $135 |
| Sierra 3500HD SLT Crew Cab 2WD | $318 | $576 | $444 | $26 | $134 | $1,498 | $125 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Premium amounts do not factor in specific zip code location which can modify rates considerably.
The information below demonstrates how deductibles and can influence GMC Sierra 3500HD annual premium costs for different ages of insureds. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.
Shop online but buy locally
A lot of people would rather have an agent’s advice and that can be a smart move A nice benefit of price shopping on the web is the fact that drivers can get the lowest rates and also buy local.
Upon completion of this short form, your insurance data is transmitted to participating agents in Pittsburgh who will give you quotes for your coverage. There is no need to find an agent because prices are sent to the email address you provide. You’ll get the best rates and work with a local agent. If you want to compare rates from a specific auto insurance provider, just visit that company’s website to submit a rate quote request.
Deciding on a insurer shouldn’t rely on just a low price. The answers to these questions are important, too.
- Do the companies they represent have a solid financial rating?
- How many years have they been established?
- Is insurance their full-time profession?
- Does the agent recommend any additional coverage?
- Do they prorate repair cost based on vehicle mileage?
- Does the agency support the community they serve?
- If independent agents, which companies do they recommend?
- Can glass repairs be made at your home?
Insurance does more than just protect your car
Even though it’s not necessarily cheap to insure a GMC in Pittsburgh, buying insurance is most likely required but also gives you several important benefits.
First, almost all states have mandatory liability insurance requirements which means you are required to buy specific limits of liability coverage if you drive a vehicle. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you have a lien on your car, most banks will make it a condition of the loan that you have comprehensive coverage to guarantee loan repayment. If coverage lapses or is canceled, the lender may have to buy a policy to insure your GMC at a much higher rate and require you to fork over much more than you were paying before.
Third, insurance protects both your vehicle and your assets. It will also provide coverage for all forms of medical expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, comprehensive and/or collision insurance will pay to repair the damage.
The benefits of having insurance greatly outweigh the cost, especially if you ever need it. On average, a vehicle owner in Pittsburgh overpays as much as $865 each year so smart consumers compare quotes once a year at a minimum to make sure the price is not too high.
Auto insurance 101
Knowing the specifics of your insurance policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.
Liability coverages
This can cover damages or injuries you inflict on people or other property in an accident. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.
Liability coverage has 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 liability limits of 15/30/5 which stand for a $15,000 limit per person for injuries, $30,000 for the entire accident, and $5,000 of coverage for damaged property.
Liability coverage protects against things like court costs, funeral expenses, attorney fees, bail bonds and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford. Pennsylvania state minimum liability requirements are 15/30/5 but you should consider buying more coverage.
The next chart shows why buying minimum limits may not be high enough to cover claims.
Collision protection
This covers damage to your Sierra 3500HD caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.
Collision can pay for claims such as colliding with a tree, driving through your garage door, sideswiping another vehicle, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible on your Sierra 3500HD to save money on collision insurance.
Medical expense coverage
Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like ambulance fees, chiropractic care, doctor visits and hospital visits. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay
Comprehensive protection
Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims such as damage from getting keyed, hail damage, rock chips in glass, damage from a tornado or hurricane and theft. The maximum payout your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Uninsured or underinsured coverage
Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your GMC Sierra 3500HD.
Since many Pennsylvania drivers have only the minimum liability required by law (Pennsylvania limits are 15/30/5), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Best auto insurance company in Pennsylvania
Buying coverage from a good quality insurance company can be difficult considering how many companies sell coverage in Pittsburgh. The company information displayed below may help you select which companies to look at purchasing from.
Top 10 Pittsburgh Car Insurance Companies Ranked by Customer Service
- Titan Insurance
- The Hartford
- American Family
- Progressive
- USAA
- Travelers
- State Farm
- GEICO
- Erie Insurance
- Allstate
Top 10 Pittsburgh Car Insurance Companies Overall
- The General
- Titan Insurance
- The Hartford
- Progressive
- Travelers
- State Farm
- Farmers Insurance
- Erie Insurance
- Safeco Insurance
- USAA
Cheap insurance premiums are out there
You just learned a lot of ways to get a better price on GMC Sierra 3500HD insurance in Pittsburgh. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may even discover the lowest prices are with the least-expected company.
People who switch companies do it for many reasons like being labeled a high risk driver, unfair underwriting practices, lack of trust in their agent or extreme rates for teen drivers. No matter why you want to switch, choosing a new company is actually quite simple.
Cheap GMC Sierra 3500HD insurance in Pittsburgh can be sourced online and also from your neighborhood Pittsburgh agents, so you should be comparing quotes from both to have the best selection. Some companies may not provide rates over the internet and most of the time these regional carriers only sell through local independent agencies.
Even more information can be read at these sites:
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Who Has Cheap Pittsburgh Auto Insurance Quotes for Electric Cars? (FAQ)
- Who Has Affordable Pittsburgh Auto Insurance for Uninsured Drivers? (FAQ)
- Who Has Affordable Car Insurance for Hybrid Vehicles in Pittsburgh? (FAQ)
- What Car Insurance is Cheapest for State Employees in Pittsburgh? (FAQ)
- How Much are Pittsburgh Car Insurance Rates for a Honda CR-V? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Ford Escape in Pittsburgh? (FAQ)
- What Car Insurance is Cheapest for a Honda Accord in Pittsburgh? (FAQ)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Medical Payments Coverage (Liberty Mutual)