Want to learn how to buy the cheapest GMC Sierra 2500HD insurance in Kansas City? Trying to find low-cost insurance for a GMC Sierra 2500HD in Missouri can turn out to be a painful process, but you can follow a few tricks to save time. There is a right way and a wrong way to shop for car insurance and you need to know the best way to compare rates for a new or used GMC and get the lowest possible price.
It’s smart to shop coverage around quite often since prices change quite often. Despite the fact that you may have had the lowest quotes on GMC Sierra 2500HD insurance in Kansas City a few years ago you may be paying too much now. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the right way to eliminate unnecessary coverages and save money on GMC Sierra 2500HD insurance in Kansas City.
If you’re already insured or are just looking to switch companies, use these money-saving tips to lower your rates without sacrificing coverage. Getting quotes for the lowest-priced insurance policy in Kansas City is not as difficult as people think. Smart shoppers just have to use the most efficient way to quote multiple rates from many different companies.
Quote GMC Sierra 2500HD Insurance for Less
Smart consumers have a good feel for a few of the rating criteria that go into determining your premiums. If you have some idea of what determines base rates, this allows you to make good choices that could help you find lower rates.
The factors shown below are some of the most rate-impacting factors used by companies to determine your premiums.
Cars with good safety ratings lower prices – Vehicles that have high safety ratings tend to be cheaper to insure. Vehicles engineered for safety have better occupant injury protection and reduced instances of injuries means your insurance company pays less and thus lower rates.
Adjust deductibles and save – The deductibles define how much you are required to spend out-of-pocket if you file a covered claim. Insurance for physical damage, also called comprehensive and collision insurance, is used to repair damage to your car. Some examples of covered claims are colliding with a stationary object, fire damage, or theft of your vehicle. The more you pay before a claim is paid (deductible), the bigger discount you will receive.
Gender and insurance costs – Over time, data shows that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. Women and men are in auto accidents in similar percentages, but the men tend to have more serious accidents. Not only are claims higher, but men get cited for more serious violations such as reckless driving.
The diagram below shows the comparison of GMC Sierra 2500HD annual premium costs for male and female drivers. The rates are based on no tickets, no at-fault accidents, full physical damage coverage, $100 deductibles, drivers are single, and no additional discounts are factored in.
Use one insurance company and save – Some insurers afford lower prices to clients who have multiple policies with them such as combining an auto and homeowners policy. Even with this discount applied, it’s in your best interest to compare other company rates to confirm you are receiving the best rates possible.
Premiums may be higher where you live – Having an address in areas with lower population can save you money when talking about car insurance. Less people living in that area corresponds to lower accident rates as well as less vandalism and auto theft. Urban drivers regularly have more road rage incidents and longer commute times. More time behind the wheel statistically corresponds to a higher accident and claim rate.
Rates and statistics
The information shown below outlines detailed analysis of prices for GMC Sierra 2500HD models. Having a good grasp of how insurance rates are established helps drivers make decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 2500HD SLE Regular Cab 4WD | $200 | $404 | $250 | $14 | $74 | $942 | $79 |
| Sierra 2500HD SLE Regular Cab 2WD | $200 | $404 | $282 | $16 | $84 | $986 | $82 |
| Sierra 2500HD SLE Crew Cab 4WD | $200 | $404 | $250 | $14 | $74 | $942 | $79 |
| Sierra 2500HD SLE Extended Cab 4WD | $200 | $404 | $250 | $14 | $74 | $942 | $79 |
| Sierra 2500HD SLE Crew Cab 2WD | $200 | $466 | $282 | $16 | $84 | $1,048 | $87 |
| Sierra 2500HD SLE Extended Cab 2WD | $200 | $466 | $282 | $16 | $84 | $1,048 | $87 |
| Sierra 2500HD SLT Crew Cab 4WD | $200 | $466 | $250 | $14 | $74 | $1,004 | $84 |
| Sierra 2500HD SLT Extended Cab 4WD | $200 | $466 | $250 | $14 | $74 | $1,004 | $84 |
| Sierra 2500HD SLT Extended Cab 2WD | $200 | $466 | $282 | $16 | $84 | $1,048 | $87 |
| Sierra 2500HD SLT Crew Cab 2WD | $222 | $466 | $282 | $16 | $84 | $1,070 | $89 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Rates do not factor in specific location information which can revise insurance rates greatly.
Policy deductible comparison
When comparing car insurance rates, the most common question is which deductibles should you choose. The comparison tables below can help show the rate differences between high and low comp and collision deductibles. The first rate quote example uses a $250 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 2500HD SLE Regular Cab 4WD | $232 | $408 | $266 | $16 | $80 | $1,027 | $86 |
| Sierra 2500HD SLE Regular Cab 2WD | $232 | $408 | $302 | $18 | $90 | $1,075 | $90 |
| Sierra 2500HD SLE Crew Cab 4WD | $232 | $408 | $266 | $16 | $80 | $1,027 | $86 |
| Sierra 2500HD SLE Extended Cab 4WD | $232 | $408 | $266 | $16 | $80 | $1,027 | $86 |
| Sierra 2500HD SLE Crew Cab 2WD | $232 | $470 | $302 | $18 | $90 | $1,137 | $95 |
| Sierra 2500HD SLE Extended Cab 2WD | $232 | $470 | $302 | $18 | $90 | $1,137 | $95 |
| Sierra 2500HD SLT Crew Cab 4WD | $232 | $470 | $266 | $16 | $80 | $1,089 | $91 |
| Sierra 2500HD SLT Extended Cab 4WD | $232 | $470 | $266 | $16 | $80 | $1,089 | $91 |
| Sierra 2500HD SLT Extended Cab 2WD | $232 | $470 | $302 | $18 | $90 | $1,137 | $95 |
| Sierra 2500HD SLT Crew Cab 2WD | $258 | $470 | $302 | $18 | $90 | $1,163 | $97 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 2500HD SLE Regular Cab 4WD | $188 | $330 | $266 | $16 | $80 | $880 | $73 |
| Sierra 2500HD SLE Regular Cab 2WD | $188 | $330 | $302 | $18 | $90 | $928 | $77 |
| Sierra 2500HD SLE Crew Cab 4WD | $188 | $330 | $266 | $16 | $80 | $880 | $73 |
| Sierra 2500HD SLE Extended Cab 4WD | $188 | $330 | $266 | $16 | $80 | $880 | $73 |
| Sierra 2500HD SLE Crew Cab 2WD | $188 | $380 | $302 | $18 | $90 | $978 | $82 |
| Sierra 2500HD SLE Extended Cab 2WD | $188 | $380 | $302 | $18 | $90 | $978 | $82 |
| Sierra 2500HD SLT Crew Cab 4WD | $188 | $380 | $266 | $16 | $80 | $930 | $78 |
| Sierra 2500HD SLT Extended Cab 4WD | $188 | $380 | $266 | $16 | $80 | $930 | $78 |
| Sierra 2500HD SLT Extended Cab 2WD | $188 | $380 | $302 | $18 | $90 | $978 | $82 |
| Sierra 2500HD SLT Crew Cab 2WD | $210 | $380 | $302 | $18 | $90 | $1,000 | $83 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Price estimates do not factor in vehicle garaging location which can lower or raise coverage prices greatly.
Based on these figures, using a $250 deductible will cost you roughly $13 more each month or $156 every year averaged for all Sierra 2500HD models than selecting the higher $500 deductible. Since you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 19 months between claims, you would save more money by going with a higher deductible.
Safe drivers Kansas City pay cheaper rates
The chart below demonstrates how speeding tickets and accident claims can drive up GMC Sierra 2500HD insurance premiums for different age categories. The costs are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.
Liability only or full coverage
The illustration below illustrates the comparison of GMC Sierra 2500HD premium costs with and without physical damage coverage. The premium estimates are based on no claims or driving citations, $500 deductibles, drivers are single, and no discounts are applied.
When to drop full coverage
There isn’t a steadfast formula for phasing out full coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.
For example, let’s say your GMC Sierra 2500HD book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $2,000 after paying your deductible. If you are paying over $200 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.
There are some situations where eliminating full coverage is not a good plan. If you haven’t paid off your loan, you have to maintain full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.
Reduce your auto insurance rates with discounts
Auto insurance can be pricey, but companies offer discounts to reduce the price significantly. Most are applied at the time you complete a quote, but occasionally some discounts must be requested specifically before you get the savings.
- Discount for Low Mileage – Keeping the miles down on your GMC may enable drivers to earn substantially lower premium rates.
- ABS Brakes – Cars with ABS and/or traction control are much safer to drive so you can save 10 percent or more.
- Distant Student – Youth drivers who are attending college without a vehicle on campus may qualify for this discount.
- Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
- Student Driver Training – Have your child participate in a local driver’s education class in high school.
- Auto/Home Discount – If you have multiple policies with the same insurance company you could earn a discount of at least 10% off all policies.
- Service Members Pay Less – Being on active duty in the military could qualify you for better rates.
Discounts save money, but please remember that many deductions do not apply to the whole policy. Most only cut individual premiums such as medical payments or collision. So when the math indicates you would end up receiving a 100% discount, you’re out of luck. Any qualifying discounts will reduce your policy premium.
The chart below shows the comparison of GMC Sierra 2500HD yearly insurance costs with and without discounts applied to the rates. The price estimates are based on a female driver, no claims or driving violations, Missouri state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, safe-driver, claim-free, multi-policy, and multi-car discounts applied.
To see a list of providers that offer the discounts shown above in Missouri, click this link.
What is the best auto insurance company in Missouri?
Insuring your vehicle with the best auto insurance provider is hard considering how many companies sell insurance in Kansas City. The ranking information shown next can help you decide which auto insurance companies to look at comparing rate quotes with.
Top 10 Kansas City Car Insurance Companies Overall
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
Top 10 Kansas City Car Insurance Companies by A.M. Best Rank
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Allstate – A+
- Progressive – A+
- Mercury Insurance – A+
- The Hartford – A+
- Nationwide – A+
- Esurance – A+
One last thing to lower rates
As you quote Kansas City car insurance, do not buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits only to find out that the few dollars in savings costed them thousands. The aim is to purchase plenty of coverage at the best cost, but do not skimp to save money.
Throughout this article, we presented a lot of tips how to find cheaper GMC Sierra 2500HD insurance in Kansas City. The key thing to remember is the more you quote Kansas City car insurance, the better likelihood of getting affordable GMC Sierra 2500HD insurance quotes. Consumers may even find the best price on auto insurance is with a company that doesn’t do a lot of advertising.
Consumers switch companies for many reasons like high prices, policy cancellation, lack of trust in their agent or denial of a claim. Whatever your reason, switching auto insurance companies is not as hard as you think.
Steps to finding cheaper quotes for GMC Sierra 2500HD insurance in Kansas City
It takes a few minutes, but the best way to get discount auto insurance rates is to compare quotes annually from different companies that insure vehicles in Kansas City.
- Get an understanding of how car insurance works and the steps you can take to prevent rate increases. Many rating criteria that result in higher rates such as accidents, careless driving, and a substandard credit score can be improved by making minor driving habit or lifestyle changes.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from one company like Progressive and State Farm, while independent agencies can quote rates for many different companies.
- Compare the price quotes to your current policy premium and determine if there is any savings. If you find a lower rate quote and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
One key aspect when comparing rates is to try to compare the same deductibles and limits on each quote and and to get rates from as many carriers as you can. This guarantees a fair price comparison and a complete selection of prices.
Helpful information
- Distracted Driving (Insurance Information Institute)
- What Insurance is Cheapest for Low Mileage Drivers in Kansas City? (FAQ)
- What Auto Insurance is Cheapest for Safe Drivers in Kansas City? (FAQ)
- How Much is Auto Insurance for a Subaru Outback in Kansas City? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for High School Students in Kansas City? (FAQ)
- Choosing a Car for Your Teen (State Farm)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Rental Reimbursement Coverage (Allstate)