Cheapest Insurance for a GMC Sierra in Massachusetts

Your ability to find affordable insurance for a GMC Sierra in Massachusetts relies on lots of different rating factors such as how safe your vehicle is, whether or not you are currently insured, and violations on your driving record. Drivers pay around $1,130 each year to buy GMC Sierra insurance, but that price is a ballpark figure that uses rate data for a 50-year-old married male driver that purchased full coverage and $100 policy deductibles.

Chances are good that you are not 50 and maybe not even a male, maybe you are single instead of married, and maybe you have sub-par credit that needs to be factored in. This shows why the best way to quote the cheapest rates for your GMC is to regularly compare rates at renewal. Quotes only take a few minutes and you can get rates from the best auto insurance companies available.

Save Now on Sierra Insurance

The specific trim level tends to impact the coverage cost, so the rate you will pay to insure a Sierra SLE Regular Cab 2WD trim level will be $214 less expensive the cost to insure the higher-priced Sierra Denali Crew Cab 4WD model, as shown in the prices below.

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Premium costs do not factor in vehicle location which can affect coverage rates significantly.

Massachusetts car insurance company ratings

Selecting a good quality auto insurance company can be challenging considering how many different companies sell coverage in Massachusetts. The information shown next can help you select which insurers to look at when comparing rates.

These rankings only include the largest auto insurers in America, so smaller regional companies are not included in the list. If you wish to compare prices from the most competitive companies in Massachusetts, click this link.

Top 10 Major Auto Insurance Companies Overall in Massachusetts

1. The Hartford
2. Progressive
3. Travelers
4. State Farm
5. Farmers Insurance
6. Safeco Insurance
7. USAA
8. GEICO
9. Liberty Mutual
10. AAA Insurance

Top 10 Major Auto Insurance Companies in Massachusetts Ranked by Value

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

Top Companies for GMC Sierra Insurance in Massachusetts

Irresponsible driving raises your rates

In a perfect world, the ideal way to obtain affordable car insurance rates in Massachusetts for a Sierra pickup is to be a careful driver and avoid tickets and accidents. The illustration below demonstrates how speeding tickets and at-fault accidents can drive up auto insurance costs for different insured age categories. The information is based on a single female driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 2521,3087,3667],[‘Age 30’, 1707,2271,2853],[‘Age 40’, 1593,2163,2739],[‘Age 50’, 1397,1961,2541],[‘Age 60’, 1349,1915,2495],[‘Age 70’, 1591,2157,2735]]);var options = {title: ‘Violations, Accidents, and Massachusetts GMC Sierra Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a GMC Sierra in Massachusetts’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the chart above, the average cost of car insurance in Massachusetts per year with a clean driving record and no accidents is $1,693. Receive two speeding tickets and the average cost surges to $2,259, an increase of $566 each year. Now include one accident along with the two speeding tickets and the annual cost of car insurance for a GMC Sierra goes up to an average of $2,838. That’s an increase of $1,145, or $95 per month, just for not being a responsible driver!

Your low-price policy may be costing you money

Massachusetts car insurance rates are determined by lots of factors which can substantially change the price of coverage. Simply having another birthday, filing a claim, or getting a ticket for careless driving can produce rate changes that can cause some rates to be cheaper than others.

And not only may your rating factors change, but insurers file new Massachusetts auto insurance rates every year to reflect underwriting profits or losses. Higher than normal claim frequency or severity can result in higher prices, while lower claims may result in cheaper Sierra insurance rates.

For example, the data below demonstrates which company has the cheapest car insurance in Massachusetts for a 45-year-old male driver with no violations or accidents, and excellent credit. If we look at prices based on his current situation, State Farm might offer the lowest car insurance rates in Massachusetts at $733 each year. This is $502 less than the average premium paid by Massachusetts drivers of $1,235. National Grange Mutual, GEICO, Commerce Group, and OneBeacon also make the list of the top five cheapest Massachusetts auto insurance companies.

google.charts.setOnLoadCallback(drawMAWitcqcibChart);function drawMAWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘State Farm’, 733, ‘#53860C’],[‘National Grange Mutual’, 807, ‘#456F0A’],[‘GEICO’, 842, ‘#395C08’],[‘Commerce Group’, 884, ‘#2F4C06’],[‘OneBeacon’, 885, ‘#273F05’]]);var options = {title: ‘Best Cheap Auto Insurance for a GMC Sierra’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:985,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

The chart below compares rates after we give the driver from the first set of rates some claims, less-than-perfect credit, and a few blemishes on his driving record. Since each auto insurance company has their own process for setting prices, comparing quotes may now result in a slightly different list of the cheapest car insurance companies in Massachusetts as shown below.

google.charts.setOnLoadCallback(drawMAWcqcibChart);function drawMAWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Arbella’, 1100, ‘#F57E00’],[‘USAA’, 1148.4, ‘#CC6900’],[‘Norfolk and Dedham’, 1174.8, ‘#AA5700’],[‘Amica’, 1256.2, ‘#8D4800’],[‘National Grange Mutual’, 1291.2, ‘#753C00’]]);var options = {title: ‘New Rates Using Different Rating Criteria’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1391.2,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

Arbella now has the cheapest auto insurance in Massachusetts with USAA, Norfolk and Dedham, Amica, and National Grange Mutual also being competitive. This illustrates why it is crucial to perform a complete rate comparison when trying to get the most budget-friendly insurance quotes for a GMC Sierra. Insurance rates are made up of many different factors and change frequently, so the cheapest company a year ago may now be one of the more expensive options.

How to get the cheapest insurance for a GMC Sierra in Massachusetts

The list below summarizes many money-saving ideas that can help you quote the cheapest auto insurance.

• Good credit can mean cheaper rates
• Avoid accidents and claims
• On older vehicles, drop full coverage
• Tickets and violations raise rates
• Raise deductibles to save money
• Lower rates by purchasing a safer vehicle
• Shop around for cheaper rates regularly

That last tip is notably crucial, as we noted in the prior article. Auto insurance rates in Massachusetts fluctuate constantly, so drivers shouldn’t hesitate to switch carriers if a more affordable rate is found.

Having brand loyalty is commendable, but is isn’t recommended if that loyalty results in overpaying potentially thousands of dollars a year. Now is a great time to compare rates and find cheaper insurance for a GMC Sierra.

Cheapest GMC Sierra insurance quotes

Thanks to technology, drivers have a lot of ways to compare car insurance prices in Massachusetts, but the most frequently used are either through an exclusive insurance agent like Liberty Mutual or Allstate, an independent insurance agent, or from a direct company like Progressive.

Each way has the same basic steps, but buyers need to know the differences in how they work.

Independent agents work for many companies and can get rate quotes from all of them. They are usually affiliated with several companies and can get prices from more than one company, which may give you a better comparison. If you are not satisfied with one company, it’s simple to move the policy which prevents you from having to find an new insurance agent.

An exclusive ageny is only able to write business for just one company such as a State Farm or Allstate agent. Exclusive agents are unable to provide rates from more than one company, so if rates are not competitive, they cannot shop around.

The final way is buying direct, which means you skip either of the other two types of agents and instead shop direct from companies such as Progressive or Geico. This car insurance option may be a decent choice drivers who do not need high levels of coverage and have a good understanding of the limitations of their policy.

So which of those three methods works best for finding the cheapest insurance for a GMC Sierra in Massachusetts? We wish we could say shopping direct saves money since there is no need to pay agent commissions, but unfortunately, that is not the case. It could also be said buying car insurance from an independent agent guarantees the lowest rates due to having more companies to select from, but again, that’s not accurate. For the right applicant, the exclusive agents have really good rates that are well below what direct and independents offer.

Since car insurance prices vary so much, really the only way to get rock-bottom rates is to get as many comparison quotes as possible. Money-saving experts recommend you get price quotes from independent, exclusive, and direct to have a good selection of rates to choose from. For a list of companies with online discounts, click here to view.