Insurance quote for GMC Sierra in HendersonWant a free price quotes on the cheapest GMC Sierra insurance in Henderson? Trying to find better insurance prices for a new or used GMC Sierra in Nevada could be difficult, but you can use the following methods and make it easy. There is a better way to shop for insurance and you need to know the best way to get price quotes on a GMC and locate the cheapest rates from Henderson insurance agents and online providers.

The following companies provide free quotes in Henderson, NV. If the list has multiple companies, it's highly recommended you click on several of them to find the cheapest auto insurance rates.

GMC Sierra Insurance Estimates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $230 $394 $314 $18 $94 $1,050 $88
Sierra SL Extended Cab 2WD $166 $318 $324 $20 $96 $924 $77
Sierra SLE Crew Cab 2WD $164 $310 $416 $24 $124 $1,038 $87
Sierra SL Crew Cab 2WD $232 $464 $324 $20 $96 $1,136 $95
Sierra SLE Crew Cab 2WD $212 $374 $314 $18 $94 $1,012 $84
Sierra SLE Regular Cab 4WD $268 $472 $308 $18 $92 $1,158 $97
Sierra SLE Extended Cab 4WD $306 $472 $404 $24 $120 $1,326 $111
Sierra SLE Crew Cab 4WD $258 $582 $348 $20 $104 $1,312 $109
Sierra SLT Extended Cab 2WD $198 $350 $318 $18 $96 $980 $82
Sierra SL Crew Cab 4WD $300 $564 $308 $18 $92 $1,282 $107
Sierra SLT Extended Cab 4WD $128 $246 $290 $18 $86 $768 $64
Sierra SLT Crew Cab 2WD $212 $374 $314 $18 $94 $1,012 $84
Sierra SLT Crew Cab 4WD $294 $626 $372 $22 $112 $1,426 $119
Sierra Denali Crew Cab 2WD $286 $636 $348 $20 $104 $1,394 $116
Sierra Denali Crew Cab 4WD $184 $342 $308 $18 $92 $944 $79
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Table data does not factor in vehicle garaging location which can influence prices substantially.

Where to set your deductibles

The diagram below demonstrates how choosing different deductibles and can influence GMC Sierra premium costs for different age categories. The costs are based on a single female driver, full physical damage coverage, and no policy discounts are applied.

Rate comparison of males versus females

The information below shows the comparison of GMC Sierra yearly insurance costs for male and female drivers. The data is based on no violations or accidents, comp and collision included, $1,000 deductibles, marital status is single, and no discounts are applied to the premium.

Physical damage deductible comparison

The hardest decision when buying coverage is what deductibles to buy. The data tables below summarize the premium difference of buying low and high physical damage coverage deductibles. The first table uses a $250 physical damage coverage deductible and the second set of prices uses a $500 deductible.

GMC Sierra insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $238 $402 $308 $18 $92 $1,083 $90
Sierra SL Extended Cab 2WD $238 $402 $308 $18 $92 $1,083 $90
Sierra SLE Crew Cab 2WD $238 $402 $308 $18 $92 $1,083 $90
Sierra SL Crew Cab 2WD $268 $472 $308 $18 $92 $1,183 $99
Sierra SLE Crew Cab 2WD $268 $472 $308 $18 $92 $1,183 $99
Sierra SLE Regular Cab 4WD $268 $472 $308 $18 $92 $1,183 $99
Sierra SLE Extended Cab 4WD $268 $472 $308 $18 $92 $1,183 $99
Sierra SLE Crew Cab 4WD $268 $472 $308 $18 $92 $1,183 $99
Sierra SLT Extended Cab 2WD $268 $472 $308 $18 $92 $1,183 $99
Sierra SL Crew Cab 4WD $268 $472 $308 $18 $92 $1,183 $99
Sierra SLT Extended Cab 4WD $268 $472 $308 $18 $92 $1,183 $99
Sierra SLT Crew Cab 2WD $268 $472 $308 $18 $92 $1,183 $99
Sierra SLT Crew Cab 4WD $300 $544 $308 $18 $92 $1,287 $107
Sierra Denali Crew Cab 2WD $300 $544 $308 $18 $92 $1,287 $107
Sierra Denali Crew Cab 4WD $300 $544 $308 $18 $92 $1,287 $107
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GMC Sierra insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $194 $324 $308 $18 $92 $936 $78
Sierra SL Extended Cab 2WD $194 $324 $308 $18 $92 $936 $78
Sierra SLE Crew Cab 2WD $194 $324 $308 $18 $92 $936 $78
Sierra SL Crew Cab 2WD $218 $382 $308 $18 $92 $1,018 $85
Sierra SLE Crew Cab 2WD $218 $382 $308 $18 $92 $1,018 $85
Sierra SLE Regular Cab 4WD $218 $382 $308 $18 $92 $1,018 $85
Sierra SLE Extended Cab 4WD $218 $382 $308 $18 $92 $1,018 $85
Sierra SLE Crew Cab 4WD $218 $382 $308 $18 $92 $1,018 $85
Sierra SLT Extended Cab 2WD $218 $382 $308 $18 $92 $1,018 $85
Sierra SL Crew Cab 4WD $218 $382 $308 $18 $92 $1,018 $85
Sierra SLT Extended Cab 4WD $218 $382 $308 $18 $92 $1,018 $85
Sierra SLT Crew Cab 2WD $218 $382 $308 $18 $92 $1,018 $85
Sierra SLT Crew Cab 4WD $244 $438 $308 $18 $92 $1,100 $92
Sierra Denali Crew Cab 2WD $244 $438 $308 $18 $92 $1,100 $92
Sierra Denali Crew Cab 4WD $244 $438 $308 $18 $92 $1,100 $92
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Estimates do not factor in specific garaging location which can increase or decrease coverage prices noticeably.

Using the premium rates above, we can conclude that using a $250 deductible will cost you about $14 more each month or $168 annually than opting for the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 18 months between claim filings, you would probably come out ahead if you decide on a higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $250 deductibles: $99
Average monthly premium for $500 deductibles (subtract): - $85
Monthly savings from raising deductible: $14
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $14
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

One thing to note is that raising deductibles to save money results in having to pay to pay more out-of-pocket when you have a physical damage claim. You need access to more funds in order to pay more for the deductible.

Car insurance just makes sense

Even though Henderson Sierra insurance rates can get expensive, maintaining insurance is most likely required but also gives you several important benefits.

First, most states have minimum mandated liability insurance limits which means state laws require a minimum amount of liability protection in order to license the vehicle. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you bought your vehicle with a loan, it's most likely the lender will have a requirement that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you default on your policy, the lender may have to buy a policy to insure your GMC for a lot more money and force you to pay for the much more expensive policy.

Third, car insurance protects not only your car but also your assets. It also can pay for medical bills incurred in an accident. Liability insurance also covers legal expenses if you are named as a defendant in an auto accident. If you have damage to your GMC as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.

The benefits of buying car insurance are definitely more than the cost, particularly for liability claims. According to a recent study, the average American driver overpays more than $830 a year so you should quote your policy with other companies once a year at a minimum to make sure the price is not too high.

Cut Insurance Costs with These Tips

One of the most helpful ways to save on car insurance is to to have a grasp of the factors that come into play when calculating your policy premiums. If you know what controls the rates you pay, this allows you to make good choices that could result in big savings.

Younger drivers pay higher prices - Older insureds are proven to be safer behind the wheel, cause fewer claims and accidents, and get fewer tickets.Young drivers are statistically proven to be inattentive and easily distracted in a vehicle so car insurance rates are higher.

Job and insurance rates - Jobs such as doctors, architects and financial analysts tend to pay higher rates than average due to high stress and extremely grueling work hours. On the other hand, careers such as actors, engineers and homemakers get better rates.

GPS tracking and theft deterrents reduce car insurance rates - Owning a car with a theft deterrent system can help lower your premiums. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent auto theft and help lower rates.

Premiums are affected by your address - Having an address in less populated areas has definite advantages when it comes to car insurance. Fewer people translates into fewer accidents in addition to fewer liability claims. People in densely populated areas regularly have more traffic problems and longer commutes to work. More time commuting means higher likelihood of an accident.

High credit scores save money - Having a bad credit history can be a huge factor in calculating your premium rate. So if your credit score can be improved, you could potentially save money when insuring your GMC Sierra by repairing your credit. People that have excellent credit tend to be more responsible than drivers who have worse credit.

Pay less with a high safety rating - Vehicles that have high safety ratings tend to have lower insurance rates. Vehicles built for safety help reduce the chance of injuries in an accident and lower injury rates means less claims paid passed on to you as lower rates. If your GMC Sierra scored at minimum an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.

Too many claims will drive rates up - If you are a frequent claim filer, you can pretty much guarantee higher rates. Companies in Nevada generally give lower rates to insureds who are claim-free. Insurance coverage is designed for the bigger claims that can't be paid out-of-pocket.

GMC Sierra insurance loss data - Insurers use data from past claims to help determine rates. Vehicles that the data determines to have higher number or severity of losses will have higher rates for specific coverages.

The table shown below demonstrates the loss history for GMC Sierra vehicles. For each policy coverage, the loss probability for all vehicles averaged together is equal to 100. Values under 100 indicate a favorable loss history, while values that are above 100 point to more frequent losses or an increased chance of larger losses than average.

Insurance Loss Ratings for GMC Sierra Vehicles

Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
GMC Sierra 1500 2WD 89 122 106
GMC Sierra 1500 4WD 97 86 79
GMC Sierra 1500 Crew Cab 2WD 87 99 132 69 69 89
GMC Sierra 1500 Crew Cab 4WD 89 102 114 52 51 73
GMC Sierra 1500 Ext Cab 2WD 98 109 96 70
GMC Sierra 1500 Ext Cab 4WD 78 85 89 65 56 94
GMC Sierra 2500 4WD 70 56
GMC Sierra 2500 Crew Cab 2WD 63 101
GMC Sierra 2500 Crew Cab 4WD 91 118 105 43 50 90
GMC Sierra 2500 Ext Cab 4WD 67 108 85 40
GMC Sierra 3500 Crew Cab 4WD 85 128 121 35
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lower-cost GMC Sierra insurance in Henderson

Car insurance companies don't always list all possible discounts very clearly, so the list below contains some of the more common and also the more inconspicuous discounts you could be receiving when you buy Henderson auto insurance online.Discount insurance

Remember that many deductions do not apply to the entire cost. A few only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think it's possible to get free car insurance, you won't be that lucky.

Companies and the discounts they provide can be read below.

Before you buy a policy, ask every prospective company which discounts can lower your rates. Depending on the company, some discounts may not apply to policyholders in your state. To view insurers that provide some of the discounts listed above in Henderson, click here to view.

Situations that may require an agent's advice

When it comes to choosing the right insurance coverage, there really is not a best way to insure your cars. Everyone's needs are different and your auto insurance should unique, too.Higher deductibles save money For example, these questions might point out whether you may require specific advice.

If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don't have a local agent, simply complete this short form or you can also visit this page to select a carrier It's fast, free and you can get the answers you need.

Insurance agent or online?

Many drivers still prefer to get professional advice from a licensed agent and that can be a smart move Licensed agents are very good at helping people manage risk and will help you if you have claims. A good thing about comparing rates online is you can get lower rates but also keep your business local.

Insurance agency in HendersonTo find an agent, once you fill out this simple form, your insurance data is instantly submitted to companies in Henderson who will gladly provide quotes and help you find cheaper coverage. You don't have to leave your house because prices are sent to the email address you provide. If you want to get a comparison quote from one company in particular, you can always find their quoting web page and give them your coverage information.

Picking an insurer requires more thought than just a cheap price. You should also get answers to these questions.

After getting good feedback to any questions you may have and an acceptable price quote, it's a good possibility that you have found a company that can properly service your auto insurance policy. Keep in mind it's your policy and you can terminate coverage whenever you want so never feel you are locked into any specific agency with no way to switch.

The most affordable rates come from being thorough

A few companies may not provide price quotes online and these smaller companies sell through independent insurance agents. More affordable car insurance in Henderson can be bought on the web and from local agencies, and you need to comparison shop both to have the best rate selection.

We covered many ideas to reduce GMC Sierra insurance prices online in Henderson. The key concept to understand is the more rate quotes you have, the higher your chance of finding affordable Henderson auto insurance quotes. Drivers may even discover the biggest savings come from some of the lesser-known companies. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive or GEICO.

More detailed car insurance information can be read at these sites: