If you want to save money, the best way to find discount GMC Sierra 3500HD insurance is to do an annual price comparison from companies who provide car insurance in Jersey City.
Step 1: Spend a few minutes and learn about what is in your policy and the factors you can control to keep rates down. Many risk factors that are responsible for high rates such as careless driving and poor credit can be remedied by making minor changes in your lifestyle. This article gives more ideas to help reduce premium rates and earn larger discounts.
Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from a single company like Progressive or Allstate, while independent agents can provide rate quotes for a wide range of insurance providers.
Step 3: Compare the new rate quotes to the premium of your current policy to see if cheaper Sierra 3500HD coverage is available. If you can save money and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Notify your company or agent to cancel your current coverage and submit payment along with a signed and completed policy application to the new insurer. Once the paperwork is finalized, put the certificate of insurance with your vehicle’s registration.
One bit of advice is to try to use the same coverage limits and deductibles on each price quote and and to analyze every company you can. This ensures a level playing field and a complete price analysis.
We don’t have to point out that fact that insurance companies don’t want you comparing rates. Consumers who get comparison quotes once a year are likely to buy a different policy because they stand a good chance of getting low-cost coverage. A recent study showed that drivers who compared prices regularly saved about $860 a year compared to other drivers who never shopped around for better prices.
If finding the most affordable insurance in Jersey City is why you’re here, knowing how to get free comparison quotes and analyze auto insurance can save money and time.
If you already have coverage or need new coverage, use these cost-cutting techniques to reduce premiums while maximizing coverage. Finding the cheapest auto insurance coverage in Jersey City is much easier if you have a good place to start. Drivers just need to understand the least time-consuming way to get comparison quotes from many different companies online.
Getting a cheaper price on insurance can be surprisingly simple. You just have to take a few minutes comparing free Jersey City car insurance quotes to discover which company has low cost Jersey City car insurance quotes.
Doing price comparisons online is so simple that it makes it a waste of time to drive around to different agent offices. Shopping for car insurance online has reduced the need for local agents unless you prefer the professional guidance that can only be provided by a licensed insurance agent. Drivers can price shop your coverage online but purchase the actual policy in an agency.
The providers in the list below have been selected to offer comparison quotes in Jersey City, NJ. If multiple companies are listed, we recommend you compare several of them to get the lowest price.
Rates and statistics
The coverage information displayed next highlights detailed analysis of insurance rates for GMC Sierra 3500HD models. Understanding how insurance prices are established can be valuable when making smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 3500HD SLE Regular Cab 2WD | $360 | $612 | $452 | $26 | $136 | $1,586 | $132 |
| Sierra 3500HD SLE Regular Cab 4WD | $360 | $704 | $564 | $34 | $170 | $1,832 | $153 |
| Sierra 3500HD SLE Crew Cab 2WD | $360 | $612 | $452 | $26 | $136 | $1,586 | $132 |
| Sierra 3500HD SLE Extended Cab 2WD | $360 | $612 | $452 | $26 | $136 | $1,586 | $132 |
| Sierra 3500HD SLE Extended Cab 4WD | $360 | $704 | $564 | $34 | $170 | $1,832 | $153 |
| Sierra 3500HD SLE Crew Cab 4WD | $360 | $704 | $564 | $34 | $170 | $1,832 | $153 |
| Sierra 3500HD SLT Extended Cab 2WD | $360 | $612 | $452 | $26 | $136 | $1,586 | $132 |
| Sierra 3500HD SLT Crew Cab 4WD | $360 | $704 | $564 | $34 | $170 | $1,832 | $153 |
| Sierra 3500HD SLT Extended Cab 4WD | $360 | $704 | $564 | $34 | $170 | $1,832 | $153 |
| Sierra 3500HD SLT Crew Cab 2WD | $396 | $704 | $452 | $26 | $136 | $1,714 | $143 |
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Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Prices do not factor in specific Jersey City garaging location which can raise or lower price quotes substantially.
The example below demonstrates how deductible levels and can influence GMC Sierra 3500HD insurance costs for different age groups of insureds. The premiums assume a single female driver, full physical damage coverage, and no discounts are applied.
Rate increases following a ticket or accident
The diagram below shows how speeding tickets and at-fault claims raise GMC Sierra 3500HD auto insurance rates for different insured age categories. The premium estimates are based on a single male driver, full coverage, $250 deductibles, and no discounts are taken into consideration.
GMC Sierra 3500HD full coverage rates compared to liability only
The diagram below shows the comparison of GMC Sierra 3500HD insurance costs with full physical damage coverage and with liability coverage only. The costs are based on no accidents, no driving violations, $250 deductibles, drivers are not married, and no discounts are factored in.
When to switch to liability coverage only
There isn’t a steadfast formula to stop paying for full coverage, but there is a guideline you can use. If the yearly cost of full coverage is about 10% or more of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.
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 severely damaged, the most your company will settle for is $3,000 after the deductible is paid. If premiums are more than $300 annually for physical damage coverage, then it may be the right time to buy liability only.
There are some circumstances where eliminating full coverage is not a good idea. If you still have a lienholder on your title, you are required to maintain full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not remove full coverage.
Different people need different car insurance coverages
Keep in mind that when it comes to choosing proper insurance coverage for your personal vehicles, there really isn’t a “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed.
For example, these questions could help you determine if your insurance needs might need professional guidance.
- When can my company non-renew my policy?
- Should I file a claim if it’s only slightly more than my deductible?
- Are rock chip repairs covered?
- Is rental equipment covered for theft or damage?
- Can my babysitter drive my car?
- Should I buy additional glass protection?
- Should I waive the damage coverage when renting a car?
- Does coverage extend to my business vehicle?
- Should I sign the liability waiver when renting a car?
- Do I need higher collision deductibles?
If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and you can get the answers you need.
Get rate quotes but work with a local Jersey City insurance agency
Certain consumers just prefer to buy from a local agent and there is nothing wrong with that. Professional agents will help you protect your assets and give you someone to call. A good thing about comparing rates online is you may find lower rates and still buy from a local agent.
Upon completion of this form (opens in new window), the quote information gets sent to companies in Jersey City that give free quotes to get your business. You don’t have to leave your computer since price quotes are sent to you directly. If you have a need to compare rates from a specific insurance provider, just search and find their rate quote page and fill out their quote form.
Finding a good insurance company requires more thought than just the quoted price. Get answers to these questions too.
- How are they compensated?
- If they are an independent agency in Jersey City, which companies do they recommend?
- How long has their agency been in business in Jersey City?
- Will a damage claim use OEM or aftermarket replacement parts?
- What is the agency’s Better Business Bureau rating?