Best GMC Sierra 3500HD Insurance in Raleigh

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Discount GMC Sierra 3500HD insuranceI really doubt anyone gets a kick out of paying for car insurance, particularly when the cost is way too high.

It's shocking but over 70% of drivers kept buying from the same company for more than four years, and nearly the majority have never compared rate quotes at all. Many consumers in Raleigh could pocket about $100 a year, but most undervalue the amount of money they would save if they replace their high priced policy. Due to the increasing number of insurance companies to choose from that have cheaper insurance for a GMC Sierra 3500HD in Raleigh, it can be challenging to choose the cheapest insurer.

Discounts can help lower premiums on GMC Sierra 3500HD insurance in Raleigh

Auto insurance is neither fun to buy or cheap, but you may qualify for discounts that can help lower your rates. Larger premium reductions will be automatically applied when you quote, but some discounts are required to be specifically requested in order for you to get them. If you check and find you aren't receiving every discount possible, you could be getting lower rates.Auto insurance discounts

  • Student Discount for Driver Training - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class as it can save substantially.
  • New Vehicle Savings - Buying a new car instead of a used Sierra 3500HD is cheaper because new vehicles have to meet stringent safety requirements.
  • Discount for Low Mileage - Driving fewer miles can earn slightly better rates than normal.
  • Good Grades Discount - Performing well in school can save 20 to 25%. The good student discount can last until age 25.
  • Seat Belt Discounts - Drivers who require all occupants to buckle up can save a little on the premium charged for medical payments and/or PIP.
  • Braking Control Discount - Vehicles with ABS and/or traction control prevent accidents and earn discounts up to 10%.
  • Memberships - Being in a civic or occupational organization in Raleigh is a simple method to lower premiums on your next auto insurance statement.
  • Payment Method - If paying your policy premium upfront rather than paying monthly you can actually save on your bill.

As a disclaimer on discounts, most of the big mark downs will not be given to the whole policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like adding up those discounts means a free policy, it just doesn't work that way.

The illustration below shows the comparison of GMC Sierra 3500HD auto insurance rates with and without discounts being applied to the rates. The premiums assume a male driver, no claims or driving citations, North Carolina state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, multi-car, claim-free, and multi-policy discounts applied.

A few of the larger companies and some of the premium reductions they offer are:

  • Progressive may include discounts for multi-vehicle, continuous coverage, online signing, online quote discount, multi-policy, good student, and homeowner.
  • SAFECO may offer discounts for accident prevention training, homeowner, bundle discounts, anti-lock brakes, teen safety rewards, and drive less.
  • American Family has discounts for TimeAway discount, accident-free, multi-vehicle, defensive driver, early bird, mySafetyValet, and bundled insurance.
  • MetLife includes discounts for claim-free, accident-free, good student, good driver, multi-policy, defensive driver
  • GEICO offers discounts including good student, seat belt use, military active duty, emergency military deployment, and membership and employees.
  • The Hartford policyholders can earn discounts including good student, defensive driver, air bag, bundle, and vehicle fuel type.

Before buying, ask each insurance company which credits you are entitled to. Some discounts might not be offered in Raleigh. To find insurers that can offer you the previously mentioned discounts in North Carolina, click here.

Getting a cheaper price on GMC Sierra 3500HD insurance can be relatively painless. You just need to spend a few minutes on the computer comparing rate quotes to see which company has affordable GMC Sierra 3500HD insurance quotes.

Doing online rate quotes comparisons is so easy that it makes it obsolete to physically go to and from local Raleigh insurance agencies. Comparing GMC Sierra 3500HD insurance rates online can eliminate the need for a local agent unless you're the type of person who wants the professional advice of a local agency. However, consumers can comparison shop your insurance online but purchase the actual policy in an agency.

The companies shown below provide free rate quotes in Raleigh, NC. If you want to find cheap auto insurance in North Carolina, we recommend you get price quotes from several of them to find the lowest car insurance rates.

Rates and detailed analysis

The coverage table below showcases estimates of insurance coverage prices for GMC Sierra 3500HD models. Learning more about how insurance policy rates are determined can be valuable when making decisions on which insurance to purchase.

GMC Sierra 3500HD Insurance Rates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra 3500HD SLE Regular Cab 2WD $188 $324 $240 $14 $72 $838 $70
Sierra 3500HD SLE Regular Cab 4WD $188 $374 $298 $18 $90 $968 $81
Sierra 3500HD SLE Crew Cab 2WD $188 $324 $240 $14 $72 $838 $70
Sierra 3500HD SLE Extended Cab 2WD $188 $324 $240 $14 $72 $838 $70
Sierra 3500HD SLE Extended Cab 4WD $188 $374 $298 $18 $90 $968 $81
Sierra 3500HD SLE Crew Cab 4WD $188 $374 $298 $18 $90 $968 $81
Sierra 3500HD SLT Extended Cab 2WD $188 $324 $240 $14 $72 $838 $70
Sierra 3500HD SLT Crew Cab 4WD $188 $374 $298 $18 $90 $968 $81
Sierra 3500HD SLT Extended Cab 4WD $188 $374 $298 $18 $90 $968 $81
Sierra 3500HD SLT Crew Cab 2WD $208 $374 $240 $14 $72 $908 $76
Get Your Own Custom Quote Go

Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Rate quotes do not factor in specific garaging location which can impact auto insurance rates greatly.

Deductible comparison

The hardest decision when buying coverage is where should you set your physical damage deductibles. The data tables below lay out the difference in cost when you choose different physical damage deductibles. The first data table uses a $100 comprehensive and collision deductible and the second set of rates uses a $500 deductible.

GMC Sierra 3500HD insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra 3500HD SLE Regular Cab 2WD $270 $456 $250 $14 $74 $1,089 $91
Sierra 3500HD SLE Regular Cab 4WD $270 $524 $312 $18 $94 $1,243 $104
Sierra 3500HD SLE Crew Cab 2WD $270 $456 $250 $14 $74 $1,089 $91
Sierra 3500HD SLE Extended Cab 2WD $270 $456 $250 $14 $74 $1,089 $91
Sierra 3500HD SLE Extended Cab 4WD $270 $524 $312 $18 $94 $1,243 $104
Sierra 3500HD SLE Crew Cab 4WD $270 $524 $312 $18 $94 $1,243 $104
Sierra 3500HD SLT Extended Cab 2WD $270 $456 $250 $14 $74 $1,089 $91
Sierra 3500HD SLT Crew Cab 4WD $270 $524 $312 $18 $94 $1,243 $104
Sierra 3500HD SLT Extended Cab 4WD $270 $524 $312 $18 $94 $1,243 $104
Sierra 3500HD SLT Crew Cab 2WD $298 $524 $250 $14 $74 $1,185 $99
Get Your Own Custom Quote Go
GMC Sierra 3500HD insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra 3500HD SLE Regular Cab 2WD $196 $308 $250 $14 $74 $842 $70
Sierra 3500HD SLE Regular Cab 4WD $196 $354 $312 $18 $94 $974 $81
Sierra 3500HD SLE Crew Cab 2WD $196 $308 $250 $14 $74 $842 $70
Sierra 3500HD SLE Extended Cab 2WD $196 $308 $250 $14 $74 $842 $70
Sierra 3500HD SLE Extended Cab 4WD $196 $354 $312 $18 $94 $974 $81
Sierra 3500HD SLE Crew Cab 4WD $196 $354 $312 $18 $94 $974 $81
Sierra 3500HD SLT Extended Cab 2WD $196 $308 $250 $14 $74 $842 $70
Sierra 3500HD SLT Crew Cab 4WD $196 $354 $312 $18 $94 $974 $81
Sierra 3500HD SLT Extended Cab 4WD $196 $354 $312 $18 $94 $974 $81
Sierra 3500HD SLT Crew Cab 2WD $216 $354 $250 $14 $74 $908 $76
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Prices do not factor in your specific Raleigh location which can influence insurance rates noticeably.

Based on the figures above, using a $100 deductible costs about $22 more each month or $264 annually than choosing 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 go more than 18 months between claim filings, you would save more money if you elect the higher deductible. The numbers below show a better example of how you can perform this determination yourself.

Average monthly premium for $100 deductibles: $98
Average monthly premium for $500 deductibles (subtract): - $76
Monthly savings from raising deductible: $22
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

One important issue to know is that increasing deductibles to lower your rates means you will have to pay more when you have a physical damage claim. You will want to have some funds available in order to pay the deductible.

The illustration below shows how different deductible levels and can raise or lower GMC Sierra 3500HD yearly insurance costs for different age groups of insureds. The data assumes a married male driver, comp and collision included, and no discounts are factored in.

Males versus Females

The chart below visualizes the comparison of GMC Sierra 3500HD premium costs for male and female drivers. Data assumes no accidents or driving violations, full physical damage coverage, $100 deductibles, single status, and no discounts are applied to the premium.

Should you buy full coverage?

The chart below visualizes the comparison of GMC Sierra 3500HD insurance prices when comparing full coverage to state minimum liability only. The rates are based on no accidents or driving violations, $500 deductibles, marital status is single, and no discounts are factored in.

When to switch to liability coverage only

There is no exact formula of when to exclude comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of having full coverage is 10% or more of the replacement cost minus the deductible, then it might be time to buy liability only.

For example, let's say your GMC Sierra 3500HD settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would receive is $3,000 after the policy deductible has been paid. If you are paying in excess of $300 a year for physical damage coverage, then it may be the right time to buy liability only.

There are some circumstances where removing full coverage is not a good idea. If you still have a loan on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not buy liability only.

Insurance is unique, just like you

Keep in mind that when it comes to choosing insurance from an agent or online for your personal vehicles, there really is not a "best" method to buy coverage. Your financial needs are unique.Safe vehicles cost less to insure

Here are some questions about coverages that can help discover if your situation would benefit from an agent's advice.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Why do I need rental car insurance?
  • Is my GMC Sierra 3500HD covered for smoke damage?
  • What is an adequate liability insurance limit?
  • Are rock chip repairs covered?
  • What is roadside assistance coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • How long can I keep a teen driver on my policy?
  • Does my medical payments coverage pay my health insurance deductible?

If you're not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. If you don't have a local agent, complete this form. It's fast, free and can provide invaluable advice.

Compare prices but buy from a local Raleigh insurance agency

Many drivers just prefer to talk to a local agent and doing that can be a smart decision Professional agents are trained risk managers and help submit paperwork. One of the great benefits of getting free rate quotes online is that you can obtain cheap car insurance quotes and still choose a local agent. Buying from and supporting local insurance agencies is important especially in Raleigh.

Raleigh insurance agentsFor easy comparison, once you complete this form (opens in new window), your insurance coverage information is sent to local insurance agents in Raleigh that provide free Raleigh car insurance quotes to get your business. It's much easier because you don't need to drive around due to the fact that quote results will go directly to you. If you wish to compare prices from a specific car insurance provider, you just need to visit that company's website and fill out their quote form.

If you are wanting to purchase car insurance from local Raleigh agents, it's important to understand the different types of agencies and how they differ in how they can insure your vehicles. Car insurance agencies are considered either exclusive or independent. Both sell car insurance policies, but it is a good idea to know the difference in how they write coverage since it can affect your agent selection.

Independent Car Insurance Agencies or Brokers

These agents are not limited to a single company and that allows them to write policies with any number of different companies and help determine which has the cheapest rates. If they find a lower price, your agent can switch companies which is easy for the insured.

When comparing rate quotes, you will want to compare quotes from at a minimum one independent agency to get the best comparison.

Featured below is a short list of independent agents in Raleigh who may provide price quotes.

1330 St Marys St Suite 250 - Raleigh, NC 27605 - (919) 828-7130 - View Map

9360 Falls of Neuse Rd #201 - Raleigh, NC 27615 - (919) 676-5695 - View Map

4004 Barrett Dr #206 - Raleigh, NC 27609 - (919) 844-2995 - View Map

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Exclusive Insurance Agencies

Agents that choose to be exclusive can only write with one company and examples are Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agencies are unable to shop your coverage around so it's a take it or leave it situation. Exclusive agents receive a lot of sales training on the products they sell which helps them sell on service rather than price.

Shown below is a short list of exclusive insurance agencies in Raleigh that can give you comparison quotes.

8212 Creedmoor Rd #101 - Raleigh, NC 27613 - (919) 847-9774 - View Map

5603 Creedmoor Rd - Raleigh, NC 27612 - (919) 782-6666 - View Map

5910 Duraleigh Rd #135 - Raleigh, NC 27612 - (919) 834-3615 - View Map

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Picking the best insurance agency shouldn't rely on just the bottom line cost. Here are some questions you might want to ask.

  • Do the coverages you're quoting properly cover your vehicle?
  • Does the agency have a good rating with the Better Business Bureau?
  • How much training do they have in personal risk management?
  • Do they get paid more for recommending certain coverages?
  • Is the agent properly licensed in North Carolina?
  • Are they full-time agents?

If you get positive feedback to your questions as well as offering an affordable quote, you may have just found an insurance agency that is reputable and can provide car insurance coverage. Keep in mind you have the power to terminate your policy at any point so never feel that you're stuck with any specific company for a certain time period.

North Carolina car insurance companies

Choosing a good quality auto insurance company is hard considering how many different companies sell coverage in North Carolina. The company ratings shown next may help you decide which auto insurance companies you want to consider comparing rates with.

Top 10 Raleigh Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Lower rates by being persistent

As you go through the steps to switch your coverage, it's very important that you do not buy poor coverage just to save money. There are many occasions where someone sacrificed physical damage coverage and discovered at claim time that the few dollars in savings costed them thousands. The goal is to find the BEST coverage at the lowest possible cost.

Affordable GMC Sierra 3500HD insurance in Raleigh is available both online as well as from independent agents in Raleigh, and you need to price shop both in order to have the best price selection to choose from. Some insurance providers don't offer internet price quotes and most of the time these smaller providers prefer to sell through local independent agencies.

Drivers change insurance companies for a variety of reasons including extreme rates for teen drivers, questionable increases in premium, delays in responding to claim requests and denial of a claim. No matter why you want to switch, finding a new auto insurance company is actually quite simple.

Steps to finding cheaper rates for GMC Sierra 3500HD insurance in Raleigh

If you want to save money, the best way to find low-cost prices for auto insurance rates is to begin comparing prices regularly from insurance carriers who provide auto insurance in Raleigh. Rate comparisons can be done by following these steps.

  1. Read and learn about car insurance and the modifications you can make to lower rates. Many risk factors that are responsible for high rates such as at-fault accidents, speeding tickets, and a low credit score can be controlled by improving your driving habits or financial responsibility.
  2. Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give prices from a single company like Progressive and State Farm, while independent agencies can provide price quotes for a wide range of companies. Start a quote
  3. Compare the price quotes to your existing policy to see if switching to a new carrier will save money. If you find a lower rate and switch companies, make sure coverage does not lapse between policies.
  4. Notify your agent or company of your decision to cancel the current policy. Submit the required down payment along with the signed application for your new coverage. As soon as you have the new policy, put the new certificate verifying proof of insurance with the vehicle registration.

The most important part of shopping around is to compare similar coverage information on each quote and and to get quotes from as many companies as possible. Doing this ensures a fair price comparison and a better comparison of the market.

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