How to Save on GMC Sierra Insurance in Atlanta

Want to learn how to buy more affordable car insurance rates in Atlanta, GA? Atlanta drivers have many options when trying to find affordable GMC Sierra insurance. You can either spend your time struggling with agents to get rate comparisons or utilize the internet to find the lowest rates. There is a right way and a wrong way to shop for car insurance and you need to know the best way to quote coverages for your GMC and obtain the lowest possible price.

Consumers should take time to get comparison quotes before your next renewal due to the fact that insurance prices are constantly changing. Even if you got the best quotes on GMC Sierra insurance in Atlanta a year ago there may be better deals available now. Block out anything you think you know about car insurance because you’re about to learn the best methods to lower your rates without sacrificing coverage.

If you have coverage now or just want a better rate, use these money-saving tips to get lower rates without sacrificing coverage. Our goal is to introduce you to the best way to buy inexpensive insurance and some tricks to saving. Comparison shoppers just need to understand the fastest way to shop for insurance from many different companies.

The quickest method we recommend to compare insurance rates from multiple companies is to take advantage of the fact most of the larger companies participate in online systems to give free rates quotes. To begin a comparison, all you need to do is provide the companies a bit of rating information such as how old drivers are, if you are currently licensed, the type of vehicles you drive, and if you require a SR-22. Your details is submitted instantly to insurance companies and they return cost estimate quickly.

To check car insurance prices now, click here and complete the form.

The companies shown below are ready to provide price quotes in Atlanta, GA. If more than one company is shown, we suggest you visit several of them to get a more complete price comparison.

Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Prices do not factor in vehicle garaging location which can influence premium rates significantly.

Higher deductibles lower rates

When shopping for car insurance, a common question is what deductibles to buy. The following insurance rates can help illustrate the cost difference when you select higher and lower policy deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second price table uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Premium costs do not factor in specific location which can change prices greatly.

We can derive from the above data that using a $100 deductible costs roughly $45 more each month or $540 annually than quoting the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 20 months between claims, you would save more money if you opt for a higher deductible.

One thing to be aware of is that increasing deductibles to save money means you will have to pay more out-of-pocket when you have a physical damage claim. You need to make sure you have some savings in the bank in the event you need to pay the higher deductible in order to repair your vehicle.

Car insurance discounts help lower rates for GMC Sierra insurance in Atlanta

Car insurance is expensive, but there could be significant discounts to help bring down the price. Some of these discounts will be visible at the time of quoting, but some discounts are required to be inquired about before being credited.

• Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
• Student in College – Any of your kids who are attending college and do not take a car to college can be insured at a reduced rate.
• Accident Waiver – Not a discount per se, but a handful of insurance companies permit an accident before they charge you more for coverage if you are claim-free before the accident.
• Passive Restraint Discount – Factory options such as air bags can receive discounts up to 30%.
• Membership in Organizations – Belonging to a professional or civic organization is a simple method to lower premiums on car insurance.
• Multi-car Discount – Having multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.
• Low Miles Discount – Driving less may enable drivers to earn better rates on cars that stay parked.
• Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for reduced rates.

It’s important to understand that many deductions do not apply to your bottom line cost. A few only apply to specific coverage prices like liability and collision coverage. Even though it appears it’s possible to get free car insurance, it’s just not the way it works.

Insurance companies that may have many of the previously listed discounts are:

• GEICO
• Mercury Insurance
• Farmers Insurance
• Auto-Owners Insurance
• Liberty Mutual
• SAFECO
• Progressive
• USAA

Before you buy a policy, ask each insurance company which credits you are entitled to. Some of the discounts discussed earlier may not apply in Atlanta. To see companies with the best discounts in Atlanta, click this link.

Why You Might Pay Increased Rates in Atlanta

Many different elements are used in the calculation when quoting car insurance. Most are fairly basic such as your driving record, but some are more transparent such as whether you are married or your vehicle rating. Consumers need to have an understanding of some of the elements that go into determining the price you pay for auto insurance. When you understand what impacts premium levels, this helps enable you to make changes that can earn you better auto insurance rates.

The list below includes most of the major factors utilized by car insurance companies to help set your rates.

• Allowing your coverage to lapse raises rates – Driving your car without having proper coverage is not a good idea and auto insurance companies will penalize you for letting your coverage lapse. And not only will insurance be more expensive, failure to provide proof of insurance might get you fines and jail time. You may need to provide proof of insurance in the form of an SR-22 filing with the Georgia motor vehicle department.
• Theft deterrents systems cut prices – Choosing a vehicle with an alarm system can help lower your rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help prevent auto theft and help lower rates.
• Save by driving vehicles with better crash test results – Cars with high safety ratings get lower rates. Highly rated vehicles protect occupants better and lower rates of occupant injuries translates directly to fewer claims which can mean better rates for you. If your GMC Sierra scored better than four stars on Safercar.gov it may be receiving lower rates.
• With age comes lower rates – More mature drivers have been proven to be more responsible, file fewer claims, and tend to be get fewer driving tickets.Young drivers are statistically shown to be inattentive in a vehicle therefore auto insurance rates are much higher.
• Lower rates by increasing coverage deductibles – Your deductibles define the amount you are willing to pay out-of-pocket before your auto insurance pays a claim. Physical damage protection, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims could be rearending another vehicle, damage caused by hail, or theft of your vehicle. The more damage repair cost you’re willing to pay, the lower your rates will be.
• Rates and vocation – Occupations such as military personnel, airline pilots, and financial analysts generally pay higher rates than average due to job stress and lots of time spent away from family. Conversely, jobs such as farmers, athletes and homemakers pay lower than average rates.
• Insurance loss data for GMC Sierra vehicles – Auto insurance companies take into consideration insurance loss statistics for every vehicle to calculate a price that will offset any claims. Models that the statistics show to have a trend towards higher claim severity or frequency will be charged more to insure. The information below illustrates the compiled insurance loss statistics for GMC Sierra vehicles.

  For each coverage type, the statistical loss for all vehicles averaged together is set at 100. Values below 100 suggest a positive loss record, while percentage numbers above 100 show a trend for more claims or a tendency for losses to be larger than average.

  Auto Insurance Loss Data for GMC Sierra Models

  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: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Are insurance agents used anymore?

A lot of people still prefer to buy from a local agent and that is OK! Professional insurance agents can help you build your policy and help in the event of a claim. The biggest benefit of comparing insurance online is that you can find the best rates and still have a local agent.

After completing this form (opens in new window), your information is submitted to local insurance agents in Atlanta that can provide free Atlanta auto insurance quotes for your business. It simplifies rate comparisons since you won’t have to find an agent on your own as quotes are delivered immediately to you. If you have a need to quote rates from one company in particular, don’t hesitate to visit that company’s website and fill out their quote form.

Choosing an insurance company should depend on more than just a cheap price. Some important questions to ask are:

• Do they have 24-hour customer assistance?
• Which insurance company do they prefer to write with?
• Is every driver in your family covered?
• Do they specialize in personal lines coverage in Atlanta?
• Do you work with a CSR or direct with the agent?
• What insurance companies do they recommend if they are an independent agent?
• Did they already check your driving record and credit reports?

Exclusive or Independent: There is a difference

If you are searching for a good insurance agency, you need to know there are two types of agencies and how they work. Insurance agents can be categorized as either exclusive agents or independent agents. Either type can do a good job, but it’s worth learning how they differ since it can affect the type of agent you choose.

Exclusive Insurance Agents

Agents that elect to be exclusive generally can only insure with one company such as Farmers Insurance, State Farm, Allstate, and AAA. They are unable to place coverage with different providers so if the price isn’t competitive there isn’t much they can do. Exclusive agencies receive extensive training on their company’s products which helps them compete with independent agents. Some consumers prefer to purchase coverage from exclusives mainly due to the brand rather than having the cheapest rates.

Below is a short list of exclusive agencies in Atlanta willing to provide price quotes.

• Valerie Primas – State Farm Insurance Agent
  2798 Lakewood Ave SW a – Atlanta, GA 30315 – (404) 209-1225 – View Map
• Trevor Nollner – State Farm Insurance Agent
  881 Ponce De Leon Ave NE #17 – Atlanta, GA 30306 – (678) 515-8297 – View Map
• Randy Beavers – State Farm Insurance Agent
  135 Mount Vernon Hwy – Atlanta, GA 30328 – (770) 396-3810 – View Map

View more agents

Independent Insurance Agents

Independent insurance agents are not required to write business for one company so as a result can place your coverage through many companies depending on which coverage is best. If you want to switch companies, the business is moved internally which makes it simple for you. If you need lower rates, you will definitely want to contact several independent insurance agents in order to have the best price comparison. Most also have access to smaller mutual companies which could offer lower prices.

Shown below are Atlanta independent agencies who can help you get comparison quotes.

• Gibb Insurance Agency
  991 Cascade Rd SW – Atlanta, GA 30311 – (404) 758-3511 – View Map
• Siegel Insurance
  2987 Clairmont Rd #425 – Atlanta, GA 30329 – (404) 633-6332 – View Map
• Snellings Walters Insurance Agency
  1117 Perimeter Center W – Atlanta, GA 30338 – (770) 396-9600 – View Map

View more agents

Your situation helps dictate your coverage

When selecting coverage online or from an agent, there isn’t really a cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that.
These are some specific questions might point out if your situation may require specific advice.

• Do I need an umbrella policy?
• Should I sign the liability waiver when renting a car?
• Does my insurance cover a custom paint job?
• Who does medical payments coverage extend to?
• Should I rate my GMC Sierra as pleasure use or commute?
• Why does it cost so much to insure a teen driver in Atlanta?
• Do I have coverage when making deliveries for my home business?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Shop around and save

We just covered many ways to shop for GMC Sierra insurance online. The key concept to understand is the more companies you get car insurance rates for, the more likely it is that you will get a better rate. You may even be surprised to find that the best price on insurance is with a small local company. Some small companies may only write in your state and offer lower car insurance rates compared to the large companies like Allstate and Progressive.

As you go through the steps to switch your coverage, it’s a bad idea to buy poor coverage just to save money. There have been many cases where someone sacrificed comprehensive coverage or liability limits only to regret at claim time they didn’t purchase enough coverage. The aim is to get the best coverage possible at the best price, but don’t skip important coverages to save money.

Lower-priced insurance in Atlanta is definitely available both online as well as from independent agents in Atlanta, so you should compare both to have the best rate selection. Some insurance companies may not provide the ability to get quotes online and most of the time these regional insurance providers only sell through independent agencies.

For more information, take a look at these articles:

• Preventing Carjacking and Theft (Insurance Information Institute)
• Who Has Cheap Atlanta Auto Insurance Quotes for Drivers with a Bad Driving Record? (FAQ)
• Who Has Affordable Car Insurance for Drivers with Accidents in Atlanta? (FAQ)
• Who Has the Cheapest Car Insurance Quotes for Teenagers in Atlanta? (FAQ)
• How Much is Atlanta Auto Insurance for Drivers Requiring a SR22? (FAQ)
• Who Has Cheap Atlanta Car Insurance Rates for a Toyota Highlander? (FAQ)
• What Insurance is Cheapest for 4×4 Vehicles in Atlanta? (FAQ)
• Teen Driver Licensing Information (iihs.org)
• Prom Night Tips for Teen Drivers (State Farm)
• Can I Drive Legally without Insurance? (Insurance Information Institute)