Who Has the Cheapest Jersey City Car Insurance for a GMC Sierra?

Buying cheaper insurance for a GMC Sierra is dependent upon a lot of different factors such as whether the vehicle is new, whether or not you have filed claims in the past, and your driving record. New Jersey drivers will pay on average $1,253 a year for Sierra insurance, but that figure is an estimation calculated using a 40-year-old married male driver with full comprehensive and collision coverage and $1,000 deductibles.

If we were betting, you are not 40 years old and maybe not even male, maybe you are single instead of married, or maybe you have a speeding ticket that needs to be factored in. Even a slight difference in the factors used in pricing a policy may result in a big change in how much insurance for a GMC Sierra costs.

This shows why the best way to find cheap car insurance rates for your GMC is to just compare rates yourself. It’s really quite easy you can get rates from some of the most affordable companies that offer coverage in New Jersey.

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Vehicle trim level will be a contributing factor to the yearly cost, so the price you will be charged to insure a Sierra SLE Regular Cab 2WD trim level will be $184 cheaper than the cost to insure the high end Sierra Denali Crew Cab 4WD version, as shown in the chart below.

Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Rate quotes do not factor in Jersey City location which can revise coverage rates significantly.

Comparing rates for cost effective insurance is not easy, and figuring out which company offers the cheapest insurance rates for a GMC Sierra requires a little more work.

Each auto insurer has a proprietary formula to set their prices, so let’s take a look at the insurance companies with the overall cheapest rates in Jersey City. We do need to point out that Jersey City, NJ insurance rates are determined by lots of factors which can substantially decrease or increase the price of your policy. This price variability is why it is critical to perform a complete rate comparison when trying to get affordable auto insurance rates for a GMC Sierra. Rates are impacted by many factors and can change substantially, so the cheapest company the last time you checked may now be costing you a lot of money.

Best Auto Insurance Prices for Your Truck

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21st Century may offer some of the lowest car insurance rates in Jersey City at around $1,111 per year. This is $741 less than the average policy premium paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Penn National, and Palisades also rank well as some of the lowest-priced Jersey City, NJ auto insurance companies.

As depicted above, if you are a customer of Penn National and switched to 21st Century, you could realize an annual savings of around $227. Insureds with Palisades might save as much as $230 a year, and California Casualty policyholders might reduce prices by as much as $326 a year.

To compare your rates to other New Jersey insurance companies, click here to get quotes or quote rates from the companies below.

Be aware that those rates are averages across all drivers and vehicles in New Jersey and do not factor in an exact zip code location for a GMC Sierra. So the company that fits your age and vehicle best may not even be in the top 19 companies in the list above. That underscores the importance of why you need to get auto insurance quotes using your own driver and vehicle profiles.

The diagram below illustrates how your choice of deductibles can raise or lower premium costs when searching for cheap insurance for a GMC Sierra. The data is based on a single male driver, comp and collision included, and no discounts are factored in.

In the chart above, a 50-year-old driver could lower their car insurance rates by $552 a year by increasing from a $100 deductible to a $500 deductible, or save $830 by choosing a $1,000 deductible. Young drivers, such as the 20-year-old example, have the ability to save up to $1,820 annually by choosing a higher deductible. When using a larger deductible, it will be important to have enough spare savings to allow you to pay the extra out-of-pocket expense associated with higher deductibles.

Get discounts on Jersey City insurance

Car insurance companies that offer quotes for a GMC Sierra could also offer policy discounts that can reduce rates by as much as 35% or more if you are eligible. A few of the larger companies and some of the discounts are detailed below.

• State Farm discounts include driver’s education, passive restraint, accident-free, Steer Clear safe driver discount, student away at school, and anti-theft.
• GEICO may include discounts for five-year accident-free, daytime running lights, seat belt use, emergency military deployment, defensive driver, membership and employees, and anti-theft.
• Allstate includes discounts for EZ pay plan discount, auto/life discount, FullPay discount, economy car, premier plus, multi-policy, and eSmart discount.
• SAFECO may offer discounts for anti-lock brakes, teen safe driver, safe driver, homeowner, and accident prevention training.
• Farm Bureau has discounts for youthful driver, multi-policy, renewal discount, 55 and retired, driver training, good student, and safe driver.
• Progressive may have discounts that include online signing, good student, multi-policy, homeowner, and multi-vehicle.
• AAA offers premium reductions for multi-car, good student, education and occupation, pay-in-full, and AAA membership discount.

The illustration below shows the difference between insurance rates with and without policy discounts. The rate quotes are based on a male driver, no accidents, no driving violations, New Jersey state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with safe-driver, anti-theft, multiple vehicle, marriage, defensive driving course, and claim-free discounts applied. When these discounts are applied to the policy premium, theamount saved on insurance for a GMC Sierra is 28% or $904.

Why are you paying too much to insure your Sierra?

Jersey City insurance rates are determined by lots of factors that may substantially change the policy price. Simply having another birthday, having a teen driver, or getting a DUI may prompt premium changes that may make certain companies more affordable than the competition. And not only may your rating factors change, but insurance companies file new rates without warning to ensure their profitability. Unexpectedly high claims may cause higher rates, while lower claims may cause cheaper Sierra insurance rates.

The graph below shows the cheapest car insurance in Jersey City, NJ for a 30-year-old male driver with no prior accidents, a clean driving record, and good financial standing. If we look at prices based on his current risk profile, 21st Century quotes the cheapest car insurance rates in Jersey City at $1,480 annually. This is $372 less than the average policy premium paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Palisades, and Penn National are the remaining most affordable Jersey City, NJ auto insurance companies.

Now we will give the driver from the first set of rates a chargeable claim, a lower credit rating, and an imperfect driving record. Because each insurer has their own unique process for determining prices, analyzing rates may now present a significantly different list of the cheapest Jersey City car insurance companies as shown below.

The Hartford now has the cheapest price in Jersey City, NJ with Allstate, Mercury, USAA, and Travelers also being competitive. This example proves why consumers need to do a thorough rate comparison when trying to find the cheapest car insurance quotes for a GMC Sierra.

Car insurance prices are impacted by many factors and can increase or decrease at any time, so the cheapest option two years ago may now be one of the more expensive options.

Tips for buying cheaper auto insurance for a GMC Sierra

The list below shows a few penny-pinching solutions that can help Jersey City drivers quote lower-cost coverage.

• Having at-fault accidents will increase rates
• Avoid speeding and other traffic citations and pay less
• Higher physical damage deductibles lower rates
• Good credit can save money
• Safe vehicles cost less to insure
• On older vehicles, drop full coverage
• Ensure you have the best deal by shopping around regularly

That last idea is extraordinarily critical, as we hit on in the article above. Insurance prices in Jersey City can change considerably based on profitability, so drivers shouldn’t hesitate to buy from a different company if a more affordable rate is found. Having a favorite company is fine, but it’s not a great idea if that stubbornness costs you thousands of dollars over several years. It only takes a couple minutes to shop around to find cheaper insurance for a GMC Sierra.

The Jersey City car insurance agencies listed below are a good start to help you make a decision which policy is best, as some drivers aren’t sure which coverage they need and prefer to have the advice of a professional agent when shopping around for cheaper insurance for a Sierra pickup. It’s not always simple to find the best policy on your own, and a professional agent can add satisfaction knowing your coverage gives you adequate protection in the event of a claim. To find a Jersey City insurance agent using an interactive map, click the button at the bottom.

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