Finding better insurance prices for a GMC Sierra 3500HD in Texas can normally be a painful process, but you can follow a few tricks and make it easy. There is a right way and a wrong way to find auto insurance online and we'll show you the absolute fastest way to get price quotes for a new or used GMC and get the best price possible.
Consumers need to compare premium rates before your policy renews because auto insurance rates are constantly changing. Even if you got the lowest premium rates on GMC Sierra 3500HD insurance in Lubbock a year ago you can probably find a lower rate today. You can search a lot of Sierra 3500HD insurance online, but I'm going to show you the easiest ways to save money.
Locating the most cost-effective insurance policy in Lubbock can be made easier if you know where to look. If you have insurance now or are just looking to switch companies, you can follow these tips to lower your rates without reducing protection. Consumers just have to understand the most time-saving way to get comparison quotes from many companies at once.
Affordable companies for GMC Sierra 3500HD insurance
The companies in the list below have been selected to offer quotes in Texas. To find the best auto insurance in Lubbock, TX, it's highly recommended you click on several of them to get a more complete price comparison.
GMC Sierra 3500HD coverage analysis
The information below showcases a range of prices for GMC Sierra 3500HD models. Being able to understand how policy premiums are determined helps drivers make smart choices when purchasing an insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra 3500HD SLE Regular Cab 2WD||$196||$360||$430||$26||$128||$1,140||$95|
|Sierra 3500HD SLE Regular Cab 4WD||$196||$414||$538||$32||$162||$1,342||$112|
|Sierra 3500HD SLE Crew Cab 2WD||$196||$360||$430||$26||$128||$1,140||$95|
|Sierra 3500HD SLE Extended Cab 2WD||$196||$360||$430||$26||$128||$1,140||$95|
|Sierra 3500HD SLE Extended Cab 4WD||$196||$414||$538||$32||$162||$1,342||$112|
|Sierra 3500HD SLE Crew Cab 4WD||$196||$414||$538||$32||$162||$1,342||$112|
|Sierra 3500HD SLT Extended Cab 2WD||$196||$360||$430||$26||$128||$1,140||$95|
|Sierra 3500HD SLT Crew Cab 4WD||$196||$414||$538||$32||$162||$1,342||$112|
|Sierra 3500HD SLT Extended Cab 4WD||$196||$414||$538||$32||$162||$1,342||$112|
|Sierra 3500HD SLT Crew Cab 2WD||$216||$414||$430||$26||$128||$1,214||$101|
|Get Your Own Custom Quote Go|
Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Table data does not factor in your specific Lubbock location which can lower or raise price quotes significantly.
Do you need full coverage?
The illustration below illustrates the difference between GMC Sierra 3500HD annual premium costs with full physical damage coverage compared to only buying liability only. The prices are based on no accidents or driving violations, $1,000 deductibles, single status, and no other discounts are factored in.
When to stop buying comprehensive and collision coverage
There is no clear-cut rule that works best for making the decision to drop comp and collision coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than 10% of the vehicle's replacement cost less your deductible, then it may be the right time to buy liability only.
For example, let's say your GMC Sierra 3500HD book value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $8,000 after the deductible is paid. If it's costing you more than $800 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.
There are some scenarios where dropping full coverage is not recommended. 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 savings is not enough to buy a different vehicle in case of an accident, you should not buy liability only.
Components of Your GMC Sierra 3500HD Insurance Prices
Multiple criteria are used when premium rates are determined. Most are fairly basic such as your driving record, but other criteria are more transparent like your vehicle usage or how safe your car is.
The items below are some of the major factors companies use to determine premiums.
Better insurance rates with anti-theft devices - Owning a car with advanced anti-theft systems can save you a little every year. Theft deterrent systems such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop car theft.
Premiums go up with performance - The make and model of the car or truck you need insurance for makes a big difference in the rate you pay. Small economy passenger models receive the most favorable rates, but the cost you end up paying is determined by many additional factors.
The chart below assumes a single male driver age 50, full coverage with $500 deductibles, and no discounts or violations. It shows GMC Sierra 3500HD policy rates compared to other models of vehicles that have a range of performance risks.
Where you reside - Living in less populated areas of the country has it's advantages when trying to find low car insurance rates. Drivers in populated areas have more aggressive driving styles and much longer commute distances. Fewer drivers and short commutes means reduced accidents as well as less vandalism and auto theft.
Accidents increase prices - Being a careful driver influences premium rates substantially. Careful drivers get better rates compared to drivers with tickets. Only having one ticket can increase rates to the point where it's not affordable. Drivers who have gotten multiple violations such as DUI, reckless driving or excessive speeding may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to continue driving.
The example below shows how traffic citations and at-fault accidents can impact GMC Sierra 3500HD car insurance rates for each different age group. The data is based on a single female driver, comp and collision included, $100 deductibles, and no policy discounts are applied.
Lower premiums for safer cars - Vehicles with high crash test scores get lower rates. Vehicles engineered for safety reduce the chance of injuries and fewer injuries translates directly to fewer claims and lower rates for you. If the GMC Sierra 3500HD is rated at a minimum four stars on Safercar.gov it may cost less to insure.
With age comes lower costs - Young drivers in Texas tend to get distracted easily when behind the wheel so they pay higher insurance rates. Older people tend to be more responsible, tend to cause fewer accidents, and usually have better credit.
The data below uses these assumptions: single driver, full coverage with $500 deductibles, and no discounts or violations.
Stay claim-free and save - Companies in Texas provide discounts to drivers who do not rely on their insurance for small claims. If you frequently file small claims, you can pretty much guarantee either higher rates or even cancellation. Your insurance policy is intended for more catastrophic claims.
These discounts can lower GMC Sierra 3500HD insurance rates
Some companies do not list every available discount in a way that's easy to find, so we researched both the well known and also the more inconspicuous credits that you can use to lower your rates. If you aren't receiving every discount available, you could be saving more on your auto insurance.
- Discount for Home Ownership - Owning a house in Lubbock can save a few bucks since owning and maintaining a home shows financial diligence.
- Discount for Multiple Policies - If you combine your home and auto policies with the same company you may save at least 10% off all policies.
- Discounts for Federal Employees - Active or retired federal employment could provide a small rate reduction with a few auto insurance companies.
- Driver's Education for Students - Have your child enroll and complete driver's education if it's offered in school.
- No Claim Discounts - Drivers with accident-free driving histories pay less as compared to insureds who have frequent claims or accidents.
- Passenger Safety Discount - Cars that have air bags or motorized seat belts may earn rate discounts of 20 to 30 percent.
- Savings for New Vehicles - Putting auto insurance coverage on a new Sierra 3500HD can get you a discount since newer models have better safety ratings.
A quick disclaimer, most of the big mark downs will not be given to all coverage premiums. Most cut individual premiums such as medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, insurance companies wouldn't stay in business.
The information below illustrates the difference between GMC Sierra 3500HD annual premium costs with and without discounts applied to the rates. The premium estimates are based on a male driver, a clean driving record, no claims, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, claim-free, multi-policy, homeowner, and safe-driver discounts applied.
To choose companies who offer online GMC Sierra 3500HD insurance quotes in Texas, click here to view.
Local neighborhood insurance agents
Many drivers prefer to talk to an insurance agent and that is a smart decision Professional agents are highly skilled in risk management and help submit paperwork. An additional benefit of comparing rate quotes online is you may find better rates but also keep your business local.
To help locate an agent, after submitting this short form, your insurance coverage information is sent to local insurance agents in Lubbock that can give you free Lubbock car insurance quotes for your coverage. It makes it easy because there is no need to contact an agency as quotes are delivered immediately to your email address. If you have a need to compare rates for a specific company, you would need to jump over to their website and give them your coverage information.
Selecting a insurer is decision based upon more than just the bottom line cost. Before buying a policy in Lubbock, get answers to these questions.
- Can you contact them at any time?
- Do they specialize in personal lines coverage in Lubbock?
- What is their Better Business Bureau rating?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Can they provide you with a list of referrals?
- Will the company cover a rental car if your car is getting fixed?
- Do they offer accident forgiveness?
Types of auto insurance agents in Lubbock
If you would like to find a reputable agency, there are a couple of types of agencies and how they can quote your rates. Agents may be either independent agents or exclusive agents. Either one can sell and service auto insurance coverage, but it's a good idea to understand the differences since it can affect the type of agent you choose.
Exclusive Auto Insurance Agents
Exclusive insurance agents can only provide pricing for a single company and examples are State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to provide prices from multiple companies so always compare other rates. Exclusive agents receive extensive training on their products and sales techniques and that allows them to sell at a higher price point. Some consumers prefer to purchase coverage from exclusives primarily because of the prominent brand name and the convenience of having all coverages with one company.
Listed below are exclusive insurance agencies in Lubbock who can help you get comparison quotes.
- Mike Fox - State Farm Insurance Agent
5910 130th St #101 - Lubbock, TX 79424 - (806) 701-5234 - View Map
- Scott Powell - State Farm Insurance Agent
3410 98th St Ste 3 - Lubbock, TX 79423 - (806) 793-2855 - View Map
- Lisa Caldwell - State Farm Insurance Agent
2418 19th St - Lubbock, TX 79401 - (806) 799-1628 - View Map
Independent Auto Insurance Agencies
Agents that choose to be independent can sell policies from many different companies so they can insure your vehicles with lots of companies and potentially find a lower price. If you are not satisfied with one company, they simply move the coverage in-house and the insured can keep the same agent.
If you are comparing auto insurance prices, you need to get quotes from at least one independent agent to have the best price comparison. Most can insure with companies that do not advertise much who may have lower rates.
Listed below is a list of independent insurance agents in Lubbock that can give you comparison quotes.
- Ashmore and Associates Insurance Agency, LLC
6102 82nd St #6 - Lubbock, TX 79424 - (806) 745-8358 - View Map
- Bledsoe Insurance Agency
5143 69th St - Lubbock, TX 79424 - (806) 794-8686 - View Map
- Circle Insurance
6520 University Ave - Lubbock, TX 79412 - (806) 797-4131 - View Map
Ratings for Lubbock auto insurance companies
Finding a high-quality auto insurance company is difficult considering how many choices you have in Lubbock. The company rank data in the next section may help you decide which coverage providers you want to consider comparing rate quotes with.
Top 10 Lubbock Car Insurance Companies Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Top 10 Lubbock Car Insurance Companies Overall
- Mercury Insurance
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
Affordable car insurance prices are available
When trying to cut insurance costs, you should never sacrifice coverage to reduce premiums. In many cases, drivers have reduced full coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The goal is to purchase plenty of coverage at an affordable rate while still protecting your assets.
The cheapest GMC Sierra 3500HD insurance in Lubbock is possible online as well as from independent agents in Lubbock, so you should be comparing quotes from both to get a complete price analysis. There are still a few companies who may not have price quotes online and most of the time these regional insurance providers only sell coverage through independent agents.
In this article, we covered quite a bit of information on how to find lower-cost GMC Sierra 3500HD insurance in Lubbock. It's most important to understand that the more you quote Lubbock car insurance, the better chance you'll have of finding low cost Lubbock car insurance quotes. You may even find the best premium rates are with the least-expected company.
How to find cheaper GMC Sierra 3500HD insurance in Lubbock
The easiest way to get cheaper GMC Sierra 3500HD insurance is to begin comparing prices regularly from companies that sell auto insurance in Lubbock.
First, spend a few minutes and learn about how auto insurance works and the steps you can take to keep rates down. Many factors that cause high rates like at-fault accidents, careless driving, and a lousy credit rating can be remedied by paying attention to minor details.
Second, compare rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO or State Farm, while independent agencies can quote prices for many different companies. Start a quote
Third, compare the new rate quotes to your existing coverage and determine if there is any savings. If you can save money and switch companies, verify that coverage does not lapse between policies.
Fourth, tell your current company of your intention to cancel your existing policy and submit a signed application and payment to the new company. Make sure you place the new certificate of insurance with your registration paperwork.
One bit of advice is to compare the same amount of coverage on every quote and and to get prices from every company you can. Doing this ensures an accurate price comparison and and a good selection of different prices.
Additional information can be read on the following sites:
- Determining Your Vehicle's Value and Repair Cost (Insurance Information Institute)
- Who Has the Cheapest Lubbock Auto Insurance for Single Moms? (FAQ)
- Who Has Cheap Car Insurance Rates for Business Use in Lubbock? (FAQ)
- Who Has Affordable Auto Insurance for Electric Cars in Lubbock? (FAQ)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- What Does No-Fault Insurance Cover? (Allstate)
- Understanding Limits and Deductibles (Allstate)
- Property Damage Coverage (Liberty Mutual)