How Much are Insurance Quotes for a GMC Sierra in Rhode Island?

Whenever people write about auto insurance, the word “cheap” should not appear anywhere in the article to describe car insurance prices. It’s a simple fact that cheap auto insurance for a GMC Sierra is just plain contradictory. Don’t get your dauber down, because we will tell you how you can still find coverage that you can afford.

Finding cheap coverage for a GMC Sierra in Rhode Island relies on a complex formula that considers things like whether or not you are married, where your vehicle is garaged, and physical damage deductibles. Drivers in Rhode Island pay on average $1,260 every 12 months for Sierra insurance, but that price is an estimation based on cost data for a 30-year-old married male who needs full coverage and $500 physical damage deductibles.

But there is a high likelihood that you aren’t exactly 30 years old or even a male, possibly single instead of married, or maybe you had a chargeable driving offense. Having what appears to be a very minor change in rating factors or requested coverage amount can make a huge difference in the price of a policy.

There is no perfect policy for every driver, so the only real way to find affordable rates for your GMC is to compare as many rates as you can.

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The specific model of Sierra tends to have a direct effect on the cost of coverage, so the rate you will pay to insure a Sierra SLE Regular Cab 2WD model will be $218 less expensive the price to insure the more costly Sierra Denali Crew Cab 4WD trim level, as shown in the chart below.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Rhode Island minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Information does not factor in garaging location in Rhode Island which can affect rates noticeably.

Ending up with the highest-rated insurance provider can be challenging considering how many choices you have in Rhode Island. The information listed below can help you select which insurers to look at shopping your coverage with.

The ratings below are only made up of companies with a national presence, so companies that have a smaller presence are not included in this list. To get rate quotes from many more Rhode Island auto insurance companies, simply click here.

Top 10 Major Auto Insurance Providers in Rhode Island Ranked by Customer Service

1. The Hartford
2. American Family
3. Progressive
4. GEICO
5. USAA
6. State Farm
7. Travelers
8. Farmers Insurance
9. Allstate
10. Safeco Insurance

Top 10 Major Auto Insurance Providers in Rhode Island Ranked by Claims Service

1. Progressive
2. USAA
3. Liberty Mutual
4. GEICO
5. State Farm
6. Nationwide
7. Allstate
8. The General
9. 21st Century
10. The Hartford

Top Companies for GMC Sierra Insurance in Rhode Island

Careless driving habits raise car insurance rates

The obvious way to get the best car insurance premiums in Rhode Island for a Sierra pickup is to be a safe driver and avoid accidents and traffic violations. The example below demonstrates how traffic citations and at-fault claims raise premium costs for different ages of insureds. Data assumes a married male driver, comp and collision included, $250 deductibles, and no discounts are factored in.

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The data above shows the average cost of a car insurance policy per year with no violations or accidents is $2,345. Get written up for two speeding tickets and the average cost hikes up to $3,246, an increase of $901 each year. Now get one accident along with the two speeding tickets and the 12-month cost of car insurance for a GMC Sierra jumps again to an average of $4,151. That’s an increase of $1,807, or $151 per month, just for not paying attention while driving!

How to get cheap insurance for a GMC Sierra in Rhode Island

It is possible to find better rates, and here are a few penny-pinching ideas that can help drivers quote more affordable auto insurance.

• Buy vehicles with good safety ratings
• You will pay more if you get tickets or have at-fault accidents
• Accidents can significantly increase rates
• Claim-free drivers earn discounts
• Insure your home and auto with the same company
• Remove physical damage coverage on older vehicles
• Compare rates regularly to ensure the best deal

The last idea is incredibly valuable, as we noted in this piece. Car insurance prices can be modified anytime, so drivers shouldn’t be resistant to switch companies if you can save money.

Brand loyalty is not necessarily bad, but it’s not a great idea if that devotedness results in you overpaying hundreds every year. Take a couple minutes and compare rates and find cheaper car insurance for a GMC Sierra.

Cheap GMC Sierra insurance quotes

There are a variety of different ways to buy car insurance in Rhode Island, but the most prevalent are from a captive (or exclusive) agent such as State Farm or Liberty Mutual, an independent agent, or direct either online or via phone. They all follow the same basic process, but it’s important to understand the differences in how they give price quotes.

Independent agencies can place your business with multiple companies and can get rate quotes from all of them. These types of agents are not restricted to one company and can compare multiple rates, which can help you get a better chance of finding cheaper coverage. If prices rise, the business is moved internally which prevents you from having to find an new insurance agent.

An exclusive agent is only able to write business for one insurance company, two of the more popular are Allstate or State Farm agents. Exclusive agents are unable to quote prices from more than a single company, so it’s a good idea to shop around.

Buying direct means you do not use local insurance agents and instead buy direct from companies such as Geico or Progressive. Shopping direct may be preferred by people who have limited assets and know the limitations of their policy.

Out of those three methods, which one works best to buy cheap insurance for a GMC Sierra in Rhode Island? We’d like to tell you buying direct results in the cheapest rates because there are no middleman commissions, but unfortunately, it’s not that cut and dried. An argument could also be made that using an independent agent is the best way since they can quote with many companies, but that’s not always true, either. In the right set of circumstances, the exclusive agents have extremely competitive rates that are well below what direct and independents offer.

Due to the large number of rating factors, really the only way to ensure you are not overpaying for car insurance is to obtain price quotes and compare them. Be sure to get price quotes all three ways to get a good idea who is cheapest. For a list of companies with some of the cheapest Rhode Island car insurance rates, click here to view.