Best Quotes for GMC Sierra Insurance in San Diego

Do you need a better way to compare more competitive GMC Sierra insurance in San Diego? Have you had enough of being strong-armed to keep your car insured? You’re in the same situation as many other consumers in California.

Insurance for GMC SierraSurprisingly, a recent survey revealed that almost 70% of insureds in California have bought auto insurance from the same company for well over three years, and just under half have never even shopped around for affordable coverage. American insurance shoppers could save nearly 46.5% a year just by comparing rates, but they just don’t want to shop around.

Insurance companies such as State Farm, GEICO and Farmers Insurance promote their brand names with fancy advertisements and it is difficult to separate fact from fiction and effectively compare rates to find the best deal.

When price shopping your coverage, comparing more quotes will improve the odds of getting the best price.

The companies in the list below are our best choices to provide price comparisons in California. If multiple providers are shown, we recommend you compare several of them to get the best price comparison.

GMC Sierra Insurance Estimates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $202 $408 $574 $34 $172 $1,390 $116
Sierra SL Extended Cab 2WD $346 $632 $456 $26 $136 $1,596 $133
Sierra SLE Crew Cab 2WD $292 $570 $416 $24 $124 $1,426 $119
Sierra SL Crew Cab 2WD $420 $930 $534 $32 $160 $2,076 $173
Sierra SLE Crew Cab 2WD $204 $418 $500 $30 $150 $1,302 $109
Sierra SLE Regular Cab 4WD $300 $576 $424 $26 $126 $1,452 $121
Sierra SLE Extended Cab 4WD $430 $810 $442 $26 $132 $1,840 $153
Sierra SLE Crew Cab 4WD $370 $834 $500 $30 $150 $1,884 $157
Sierra SLT Extended Cab 2WD $332 $664 $500 $30 $150 $1,676 $140
Sierra SL Crew Cab 4WD $286 $502 $456 $26 $136 $1,406 $117
Sierra SLT Extended Cab 4WD $270 $564 $500 $30 $150 $1,514 $126
Sierra SLT Crew Cab 2WD $300 $576 $424 $26 $126 $1,452 $121
Sierra SLT Crew Cab 4WD $242 $452 $456 $26 $136 $1,312 $109
Sierra Denali Crew Cab 2WD $420 $898 $534 $32 $160 $2,044 $170
Sierra Denali Crew Cab 4WD $228 $482 $464 $28 $138 $1,340 $112
Get Your Own Custom Quote Go

Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Price estimates do not factor in your specific San Diego location which can raise or lower coverage rates considerably.

Rate comparison of male drivers versus female drivers

The information below shows the difference between GMC Sierra car insurance rates for male and female drivers. The data is based on a clean driving record, no claims, comprehensive and collision coverage, $500 deductibles, marital status is single, and no discounts are applied to the premium.

Insuring your Sierra just makes sense

Despite the high cost, paying for car insurance is most likely required but also gives you several important benefits.

First, almost all states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability insurance in order to license the vehicle. In California 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 your Sierra has a lien holder, almost all lenders will require you to have full coverage to guarantee loan repayment. If you do not keep the policy in force, the bank may buy a policy for your GMC at a significantly higher premium and require you to pay much more than you were paying before.

Third, insurance protects not only your car but also your financial assets. Insurance will pay for medical bills for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, your policy will cover the damage repairs after a deductible is paid.

The benefits of having insurance greatly outweigh the cost, particularly if you ever have a claim. Despite what companies tell you, the average driver is currently overpaying as much as $850 per year so you should quote rates at every renewal to help ensure money is not being wasted.

Buy Cheap Car Insurance with These Tips

Many different elements are taken into consideration when premium rates are determined. A few of the factors are predictable like a motor vehicle report, but some are less obvious such as your marital status or your financial responsibility.

The list below includes a few of the things used by insurance companies to determine premiums.

Auto insurance rates and discounts

Auto insurance companies don’t list every policy discount very clearly, so the list below details both well-publicized as well as some of the hidden credits that may apply to you.Discount auto insurance

It’s important to understand that some of the credits will not apply to the entire cost. Most cut the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

Larger auto insurance companies and some of their more popular discounts are shown below.

If you need inexpensive San Diego car insurance quotes, ask all companies you are considering the best way to save money. All car insurance discounts may not apply in your area.

Situations that may require an agent’s advice

When quoting and comparing coverage online or from an agent, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that.Drive safe and save
These are some specific questions may help highlight whether or not you will benefit from professional help.

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Insurance agent or online?

Many people just prefer to sit down and talk to an agent and we recommend doing that One of the great benefits of getting free rate quotes online is that drivers can save money and get lower rates and still buy from a local agent. Buying insurance from local agents is especially important in San Diego.

Find insurance agent in San DiegoTo find an agent, once you fill out this simple form, your insurance coverage information gets sent to local insurance agents in San Diego that provide free San Diego car insurance quotes for your insurance coverage. There is no need to search for any insurance agencies because prices are sent to you directly. Get lower rates without having to waste a lot of time. If you wish to quote rates from one company in particular, you can always search and find their rate quote page and submit a quote form there.

When looking for a good San Diego insurance agent, it’s helpful to know the types of agencies and how they are slightly different. Agents in San Diego are classified as either exclusive or independent.

Independent Insurance Agents (or Brokers)

Agents in the independent channel do not have single company limitations so as a result can place your coverage amongst many companies and get the cheapest rates. If they quote lower rates, your agent can switch companies without you having to go to a different agency.

If you are comparing insurance prices, we recommend you get quotes from multiple independent agents to maximize your price options.

The following is a list of independent insurance agents in San Diego that can possibly get you free price quotes.

10256 Meanley DrSan Diego, CA 92131(858) 527-3600View Map

4411 Mercury St #105bSan Diego, CA 92111(858) 565-6695View Map

5425 Oberlin Dr #201San Diego, CA 92121(619) 718-7578View Map

View more San Diego agents

Exclusive Insurance Agencies

Exclusive insurance agents write business for a single company like American Family, State Farm, and AAA. They usually cannot give you multiple price quotes so if the price isn’t competitive there isn’t much they can do. They are very knowledgeable on what they offer and that allows them to sell at a higher price point.

The following is a list of exclusive agencies in San Diego who can help you get rate quotes.

8240 Mira Mesa Blvd GSan Diego, CA 92126(858) 695-8000View Map

2207 Garnet Ave aSan Diego, CA 92109(858) 273-3001View Map

2333 Camino del Rio SSan Diego, CA 92108(619) 293-7211View Map

View more San Diego agents

Selecting an car insurance agent should include more criteria than just the bottom line cost. These are valid questions to ask:

Cover all your bases

Cheaper GMC Sierra insurance in San Diego can be sourced on the web in addition to many San Diego insurance agents, so get free San Diego car insurance quotes from both of them to have the best selection. Some insurance providers don’t offer rates over the internet and many times these regional insurance providers work with independent insurance agencies.

Throughout this article, we presented many tips how you can get a better price on GMC Sierra insurance in San Diego. It’s most important to understand that the more you quote San Diego car insurance, the more likely it is that you will get a better rate. You may even find the biggest savings come from a lesser-known regional company. These companies may often insure only within specific states and give better rates than their larger competitors like Progressive or GEICO.

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