Who Has the Cheapest Insurance Quotes for a GMC Sierra in Maine?

The chances of finding the best cheap insurance for a GMC Sierra in Maine hinges on factors such as whether you are married, if you have ever let your policy lapse, and driving violations and tickets. Maine drivers pay around $620 each year to insure a GMC Sierra, but that amount is an approximation using a 40-year-old married female who requires full comprehensive and collision coverage and $500 physical damage deductibles.

It’s highly likely you are not 40 years old and maybe not even female, single instead of married, or maybe you had a chargeable driving offense. Making even small differences in policy rating variables can create big changes in the policy rate.

This example demonstrates why the most reliable method for finding the cheapest coverage for your GMC is to get into the habit of shopping around regularly.

Compare GMC Sierra Insurance Rates

The specific trim level will most likely have an effect on the cost of insurance, so the price you will be charged to insure a Sierra SLE Regular Cab 2WD model will be $102 less than the price to insure the fancier Sierra Denali Crew Cab 4WD trim level, as shown in the prices below.

Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Maine minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Price estimates do not factor in your specific Maine location which can impact price quotes considerably.

Picking the best auto insurance provider is difficult considering how many companies sell insurance in Maine. The company rank data in the lists below may help you choose which insurers you want to consider when buying insurance for a GMC Sierra. These ratings include companies with a nationwide focus, so smaller companies that only insure vehicles in Maine will not be included in the list.

Top 10 Major Auto Insurance Companies in Maine 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 Companies Overall in Maine

1. The General
2. The Hartford
3. Progressive
4. Travelers
5. State Farm
6. Farmers Insurance
7. Safeco Insurance
8. USAA
9. GEICO
10. 21st Century

Top Companies for GMC Sierra Insurance in Maine

Full coverage rates compared to liability only

Finding the cheapest insurance for a GMC Sierra in Maine is the goal of the majority of people, and one easy way to pay lower rates for insurance is to only pay for liability coverage. The information below shows the comparison of car insurance rates when comparing full coverage to liability only. The information is based on no tickets, no at-fault accidents, $100 deductibles, drivers are not married, and no discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 2871,735],[‘Age 30’, 1463,407],[‘Age 40’, 1469,379],[‘Age 50’, 1333,355],[‘Age 60’, 1287,349],[‘Age 70’, 1543,463]]);var options = {title: ‘Rate Comparison of Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a GMC Sierra in Maine’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

As an average for all age groups, comp and collision coverage costs an extra $1,661 per year over having just liability coverage. Lot’s of drivers question if you should buy full coverage. There is no clear-cut formula to stop buying full coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

The information below illustrates how your deductible choice can impact yearly insurance costs when searching for cheap insurance for a GMC Sierra. The costs are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2469,2227,1963,1713],[‘Age 30’, 1303,1175,1033,893],[‘Age 40’, 1243,1127,993,867],[‘Age 50’, 1137,1031,911,795],[‘Age 60’, 1115,1011,893,779],[‘Age 70’, 1267,1153,1025,907]]);var options = {title: ‘Impact of Deductible Levels on GMC Sierra Insurance Rates in Maine’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a GMC Sierra’,minValue: 0,format: ‘$###,###’},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);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 50-year-old driver could lower their car insurance rates by $226 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $342 by selecting a $1,000 deductible. Young drivers, like the 20-year-old category, could potentially save as much as $756 or even more by choosing larger deductibles on their policy.

If you do raise deductibles, it is essential to have additional funds squirreled away to satisfy the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Allstate vs State Farm vs Progressive vs Geico

When shopping for car insurance, some of the largest companies to start with are Allstate, State Farm, Progressive, and Geico. When combined, they make up about half of all car insurance policies in America. The following table compares ratings and policy coverage options offered by each company.