Are you looking for cheaper GMC Sierra 3500HD insurance in Baltimore? Expensive insurance in Baltimore can dwindle your savings and force you to tighten up your finances. Comparing cost estimates is a smart way to make sure you’re not throwing money away.
Regrettably, 70% of consumers renewed their policy with the same company for at least the last four years, and just under half have never compared quotes from other companies. Consumers in Maryland could save roughly 55% a year by just comparing rate quotes, but they don’t understand how simple it is to find cheap insurance by shopping around.
Insurance companies such as GEICO, Farmers Insurance and State Farm all claim big savings with advertising and consumers find it hard to see through the deception and find the best price available.
All major car insurance companies allow you to get prices for coverage online. Getting quotes for GMC Sierra 3500HD insurance in Baltimore can be done by anyone as you simply type in the coverage amounts you desire into a form. When the form is submitted, the system gets information on your driving record and credit history and provides a quote determined by many factors. Being able to quote online for GMC Sierra 3500HD insurance in Baltimore helps simplify price comparisons, and it’s very important to have as many quotes as possible in order to get the most affordable premium on car insurance.
To use this form to compare rates, compare rates now from the companies shown below. To compare your current rates, we recommend you input the coverage information just like they are on your policy. This way, you are getting a rate comparison for the exact same coverage.
The providers in the list below have been selected to offer free rate quotes in Baltimore, MD. To find the best cheap car insurance in Baltimore, MD, it’s highly recommended you visit as many as you can to find the lowest auto insurance rates.
GMC Sierra 3500HD insurance coverage information
The rate table shown next outlines detailed analysis of insurance prices for GMC Sierra 3500HD models. Having insight into how auto insurance premiums are determined is important for making smart choices when comparing insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 3500HD SLE Regular Cab 2WD | $222 | $360 | $418 | $24 | $126 | $1,150 | $96 |
| Sierra 3500HD SLE Regular Cab 4WD | $222 | $416 | $522 | $30 | $156 | $1,346 | $112 |
| Sierra 3500HD SLE Crew Cab 2WD | $222 | $360 | $418 | $24 | $126 | $1,150 | $96 |
| Sierra 3500HD SLE Extended Cab 2WD | $222 | $360 | $418 | $24 | $126 | $1,150 | $96 |
| Sierra 3500HD SLE Extended Cab 4WD | $222 | $416 | $522 | $30 | $156 | $1,346 | $112 |
| Sierra 3500HD SLE Crew Cab 4WD | $222 | $416 | $522 | $30 | $156 | $1,346 | $112 |
| Sierra 3500HD SLT Extended Cab 2WD | $222 | $360 | $418 | $24 | $126 | $1,150 | $96 |
| Sierra 3500HD SLT Crew Cab 4WD | $222 | $416 | $522 | $30 | $156 | $1,346 | $112 |
| Sierra 3500HD SLT Extended Cab 4WD | $222 | $416 | $522 | $30 | $156 | $1,346 | $112 |
| Sierra 3500HD SLT Crew Cab 2WD | $244 | $416 | $418 | $24 | $126 | $1,228 | $102 |
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maryland minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Premium costs do not factor in vehicle location which can modify premiums noticeably.
The diagram below demonstrates how choosing different deductibles and can affect GMC Sierra 3500HD annual premium costs for different ages of insureds. The data assumes a single male driver, comp and collision included, and no discounts are taken into consideration.
Age-based insurance rates by gender in Baltimore
The chart below shows the comparison of GMC Sierra 3500HD auto insurance rates for male and female drivers. The premiums are based on no claims or driving violations, full physical damage coverage, $100 deductibles, marital status is single, and no discounts are factored in.
Three main reasons to buy insurance
Even though it’s not necessarily cheap to insure a GMC in Baltimore, maintaining insurance is most likely required but also gives you several important benefits.
First, the majority of states have compulsory liability insurance requirements which means you are required to buy specific minimum amounts of liability coverage in order to be legal. In Maryland these limits are 30/60/15 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
Second, if you have a lien on your Sierra 3500HD, it’s most likely the lender will have a requirement that you buy full coverage to protect their interest in the vehicle. If you default on your policy, the bank may insure your GMC at a more expensive rate and force you to reimburse them for it.
Third, insurance preserves not only your GMC but also your financial assets. Insurance will also pay for all forms of medical expenses for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also covers legal expenses if you are sued as the result of your driving. If damage is caused by hail or an accident, your policy will pay to repair the damage.
The benefits of buying insurance definitely exceed the cost, especially with large liability claims. The average driver in America is currently overpaying as much as $850 per year so it’s important to compare rates once a year at a minimum to save money.
Auto insurance coverage considerations
Having a good grasp of a auto insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverages available from auto insurance companies.
Uninsured and underinsured coverage
This coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your GMC Sierra 3500HD.
Since a lot of drivers only carry the minimum required liability limits (Maryland limits are 30/60/15), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Collision protection
Collision coverage will pay to fix damage to your Sierra 3500HD resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers things like crashing into a building, backing into a parked car, colliding with a tree, damaging your car on a curb and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible on your Sierra 3500HD to get cheaper collision coverage.
Comprehensive coverages
This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things such as hail damage, hitting a deer, rock chips in glass, a broken windshield and vandalism. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Coverage for medical payments
Med pay and PIP coverage provide coverage for short-term medical expenses for things like EMT expenses, hospital visits, prosthetic devices, ambulance fees and X-ray expenses. They are often utilized in addition to your health insurance plan or if you do not have health coverage. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
Liability car insurance
This will cover damage that occurs to a person or their property in an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 30/60/15 which stand for a limit of $30,000 per injured person, $60,000 for the entire accident, and property damage coverage for $15,000.
Liability can pay for claims like bail bonds, legal defense fees, court costs and loss of income. How much liability should you purchase? That is your choice, but buy higher limits if possible. Maryland state minimum liability requirements are 30/60/15 but you should consider buying more liability than the minimum.
The illustration below shows why buying low liability limits may not be adequate coverage.
The best rates come from being thorough
In this article, we presented a lot of techniques to shop for GMC Sierra 3500HD insurance online. The most important thing to understand is the more times you quote, the higher your chance of finding affordable GMC Sierra 3500HD insurance quotes. You may even discover the lowest prices are with some of the smallest insurance companies. They may often insure only within specific states and give better rates than their larger competitors like Allstate or State Farm.
While you’re price shopping online, don’t be tempted to reduce coverage to reduce premium. There are too many instances where an accident victim reduced physical damage coverage only to regret that it was a big mistake. Your goal is to buy the best coverage you can find at the best possible price while not skimping on critical coverages.
How to save on GMC Sierra 3500HD insurance in Baltimore
The most effective way to find discount car insurance rates in Baltimore is to annually compare prices from insurance carriers who can sell car insurance in Maryland. You can compare prices by following these guidelines.
- It will benefit you to learn about what is in your policy and the things you can change to keep rates down. Many policy risk factors that result in higher rates like speeding tickets, careless driving and a not-so-good credit history can be remedied by making small lifestyle or driving habit changes.
- Request rate estimates from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like GEICO or Farmers Insurance, while agents who are independent can provide rate quotes from many different companies. View a list of agents
- Compare the price quotes to the price on your current policy and see if there is a cheaper rate in Baltimore. If you can save some money, ensure coverage does not lapse between policies.
- Provide notification to your current agent or company of your intention to cancel your current policy and submit any necessary down payment along with the completed application to the new company. Make sure you safely store the certificate of insurance in an easily accessible location.
One key aspect when comparing rates is to compare the same physical damage deductibles and liability limits on each price quote and and to get rate quotes from all possible companies. Doing this provides a level playing field and the most accurate and complete price analysis.
To learn more, feel free to visit the articles below:
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Who Has Affordable Baltimore Auto Insurance for Veterans? (FAQ)
- Who Has the Cheapest Auto Insurance for 16 Year Olds in Baltimore? (FAQ)
- Who Has Cheap Baltimore Auto Insurance Quotes for High Risk Drivers? (FAQ)
- How Much are Baltimore Auto Insurance Rates for Drivers with Bad Credit? (FAQ)
- What Insurance is Cheapest for a Jeep Wrangler in Baltimore? (FAQ)
- Auto Crash Statistics (Insurance Information Institute)
- Understanding Car Crashes Video (iihs.org)
- How to shop for a safer car (Insurance Institute for Highway Safety)