Buying cheap insurance for a GMC Sierra doesn’t take a ton of time, but it depends on an enormous amount of rating factors such as your financial responsibility, the condition of your credit, and your driving record. Drivers in California pay around $1,796 each year for Sierra insurance, but that amount is an approximation based upon a 40-year-old single female driver with full physical damage coverage and $250 deductibles.
There’s a good chance you are not 40 years old and maybe not even female, possibly married instead of single, and maybe your Sierra is older and does not require full coverage. Not everyone needs the same coverages, so the only real way to find the most affordable coverage for your GMC is to put in the effort to do a thorough rate comparison. In just a few minutes you will get price quotes from some of the most affordable companies that offer coverage in California.
The specific trim level will most likely have an effect on the annual cost of coverage, so the price you will be charged to insure a Sierra SLE Regular Cab 2WD will be $316 less than the insurance cost for the more expensive Sierra Denali Crew Cab 4WD model, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra SLE Regular Cab 2WD||$328||$650||$574||$34||$172||$1,758||$147|
|Sierra SL Extended Cab 2WD||$328||$650||$574||$34||$172||$1,758||$147|
|Sierra SLE Crew Cab 2WD||$328||$650||$574||$34||$172||$1,758||$147|
|Sierra SL Crew Cab 2WD||$370||$766||$574||$34||$172||$1,916||$160|
|Sierra SLE Crew Cab 2WD||$370||$766||$574||$34||$172||$1,916||$160|
|Sierra SLE Regular Cab 4WD||$370||$766||$574||$34||$172||$1,916||$160|
|Sierra SLE Extended Cab 4WD||$370||$766||$574||$34||$172||$1,916||$160|
|Sierra SLE Crew Cab 4WD||$370||$766||$574||$34||$172||$1,916||$160|
|Sierra SLT Extended Cab 2WD||$370||$766||$574||$34||$172||$1,916||$160|
|Sierra SL Crew Cab 4WD||$370||$766||$574||$34||$172||$1,916||$160|
|Sierra SLT Extended Cab 4WD||$370||$766||$574||$34||$172||$1,916||$160|
|Sierra SLT Crew Cab 2WD||$370||$766||$574||$34||$172||$1,916||$160|
|Sierra SLT Crew Cab 4WD||$412||$882||$574||$34||$172||$2,074||$173|
|Sierra Denali Crew Cab 2WD||$412||$882||$574||$34||$172||$2,074||$173|
|Sierra Denali Crew Cab 4WD||$412||$882||$574||$34||$172||$2,074||$173|
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Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Information does not factor in Chula Vista location which can increase or decrease coverage prices noticeably.
Picking a high-quality auto insurance company is hard considering how many choices there are in California. The information in the lists below may help you analyze which auto insurers you want to consider when trying to find the cheapest insurance for a GMC Sierra. The rankings below only include companies with a nationwide focus, so smaller regional companies are not included in this list.
Top 10 Major Auto Insurance Providers in Chula Vista Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Top 10 Major Auto Insurance Providers in Chula Vista Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Full coverage or liability only
Reducing the cost of auto insurance is probably important to the majority of people, and one of the quickest ways to lower the cost of insurance for a GMC Sierra is to only pay for liability coverage. The diagram below compares insurance costs with full coverage compared to only the California minimum liability coverage. The premiums are based on a clean driving record, no claims, $500 deductibles, single marital status, and no additional discounts are factored in.
On average, physical damage insurance costs an extra $2,656 per year over and above liability coverage. At some point, almost every driver questions if paying for full coverage is worth it. There is no clear-cut formula for excluding full coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is more than around 10% of the settlement you would receive from your company, then it might be time to buy liability only.
For example, let’s assume your vehicle’s settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $4,000 after paying the physical damage deductible. If you are paying more than $400 a year for physical damage coverage, then you might want to consider buying only liability coverage.
The benefits of price comparisons
California auto insurance rates are calculated based on many things that can increase the cost of having a policy. Getting older, buying a home, or getting a speeding ticket can trigger price changes resulting in some companies being cheaper than before. Not only that, but companies file new California auto insurance rates multiple times each year to adjust for unexpected claims or profits. Unexpectedly high claims can cause price increases, while profitable underwriting can produce lower-cost Sierra insurance rates.
To help illustrate this point, the chart below shows which companies have the cheapest car insurance in Chula Vista, CA for a 35-year-old female driver with a good driving record, no prior claims, and a good credit history. Based on her current risk profile, USAA offers the lowest car insurance rates in Chula Vista at $1,121 each year. This is $530 less than the average premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are the rest of the top five cheapest Chula Vista, CA auto insurance companies.
In this example, we will give the driver in the first chart a claim or two, a lower credit rating, and a traffic ticket or two. Since every car insurance company has their own process to set their prices, analyzing rate quotes may now result in a completely different list of affordable companies as shown below.
Grange now has the best insurance rate in Chula Vista with Allstate, GEICO, Allied, and Progressive now being in the top five. This shows why it is important to shop around with many companies to get the lowest auto insurance quotes for a GMC Sierra. Insurance rates are calculated by many factors and can change substantially, so the most economical option when you bought your policy may now be one of the higher cost companies.
How to find the cheapest insurance for a GMC Sierra
The list below summarizes some of the better penny-pinching ideas that can help California drivers buy more affordable car insurance.
- Higher credit ratings may save you money
- Raise comprehensive and collision coverage deductibles
- Safer vehicles generally have cheaper insurance rates
- Older vehicles may not need full coverage
- Do not get traffic citations
- Having at-fault accidents will increase rates
- Comparison shop at least every other year
The last tip in the list is certainly valuable, as we stressed in the article above. Prices charged by companies in Chula Vista fluctuate considerably, so don’t be afraid to change to a new company if a better rate can be found. Many drivers have brand loyalty and that’s fine, but it’s not a good idea if your bullheadedness ends up costing you money that could be going to better use. In less than five minutes you could compare rates to find cheaper auto insurance for a GMC Sierra.
The agents listed below can help you determine which coverages are best, since lots of drivers aren’t clear which coverage they need and would like to get help from a professional when comparing insurance rates for a GMC Sierra. It can be hard to find the cheapest rates, so a licensed agent can provide you comfort knowing your coverage gives you adequate coverage when you need it most. To find an agent by location nearest to you, click the button at the bottom of the list or click here to compare price quotes now.
- Farmers Insurance – Patricia Ruiz
2568 Waterline Way – Chula Vista, CA 91914 – (619) 482-7011
- Allstate Insurance: Steven F Hovland
88 Bonita Rd Ste D – Chula Vista, CA 91910 – (619) 425-9400
- Hotwire Insurance
555 Broadway #2018 – Chula Vista, CA 91910 – (877) 221-0676