Best Cheap Insurance for a GMC Sierra in Kansas

Buying affordable car insurance for a GMC Sierra in Kansas depends on lots of different rating factors such as if you are single or married, whether you are claim-free, and your driving record. Drivers on average pay around $1,020 each year to buy insurance for a GMC Sierra, but that is using rate data for a 50-year-old single female who requires full coverage including both comprehensive and collision and $250 physical damage deductibles.

There is a very good chance that you may not be 50 years old (or even female), you might be married instead of single, and there is a good chance that other rated drivers impact the rate. This illustrates why your best chance at finding cheap insurance rates for your GMC is to put in the effort to do a thorough rate comparison. Quotes are always free and you will receive rate quotes from top-rated car insurance companies that offer coverage in Kansas.

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Your GMC’s trim level will influence the cost of coverage, so the price you pay to insure a Sierra SLE Regular Cab 2WD trim level will be $180 lower than the cost to insure the high end Sierra Denali Crew Cab 4WD trim level, as shown in the table below.

Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Kansas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rates do not factor in zip code location which can increase or decrease insurance rates considerably.

Determining which company offers the best car insurance rates for a GMC Sierra may require a tad more effort in order to find the best policy.

Each auto insurance company uses a different method to set their prices, so let’s take a look at the most budget-friendly car insurance companies in Kansas.

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USAA may have some of the most affordable car insurance rates in Kansas at around $773 each year. The Hartford, Allied, Travelers, and Auto-Owners also make the cut as some of the cheaper Kansas auto insurance companies.

In the rate table above, if you currently buy coverage from Auto-Owners and switched to The Hartford, you might realize a yearly price reduction of in the neighborhood of $270. Policyholders with Farmers could save as much as $314 a year, and Farm Bureau Mutual policyholders might lower prices by up to $348 a year.

Remember that these policy prices are averages across all types of insureds and vehicles and and are not calculated with a specific rate factor for a GMC Sierra. So the car insurance company that has the cheapest rates for you may not even be shown in the chart above. That illustrates why you need to compare prices as often as possible using your own individual information.

Impact of violations and accidents on rates in Kansas

One of the best ways to get the most affordable car insurance prices in Kansas for a Sierra pickup is to pay attention while driving and not have accidents or get tickets. The information below demonstrates how traffic citations and fender-benders can drive up car insurance costs for different age groups. The rates are based on a married female driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.

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’, 1785,2303,2835],[‘Age 30’, 1239,1759,2291],[‘Age 40’, 1233,1753,2285],[‘Age 50’, 1083,1603,2133],[‘Age 60’, 1031,1553,2083],[‘Age 70’, 1115,1639,2171]]);var options = {title: ‘Impact of Tickets and Accidents on Kansas 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 Kansas’,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);}

The chart shows that the average cost of an auto insurance policy in Kansas per year with no accidents or violations is $1,248. Add in two speeding tickets and the average cost increases to $1,768, an increase of $521 each year. Then add one accident along with the two speeding tickets and the annual cost of car insurance for a GMC Sierra jumps again to an average of $2,300. That’s an increase of $1,052, or $88 per month, just for being a little careless behind the wheel!

The importance of comparing Sierra insurance rates

Kansas car insurance rates are based on many factors that control the price you have to pay for coverage. Simply improving your credit, buying a home, or getting caught speeding can trigger price changes that may make certain companies cheaper than competitors. In addition to those changes, companies modify rates every year to reflect underwriting profits or losses. Higher than normal claim frequency or severity can cause additional premium costs, while long-term profits can produce cheaper Sierra insurance rates.

For instance, the data below analyzes the cheapest car insurance in Kansas for a 30-year-old female driver with a clean driving record, no accidents, and excellent credit. If we compare prices based on her current situation, USAA offers the lowest car insurance rates in Kansas at $750 a year. This is $668 less than the average policy premium paid by Kansas drivers of $1,418. The Hartford, Allied, Travelers, and Auto-Owners are the remainder of the most affordable Kansas auto insurance companies.

google.charts.setOnLoadCallback(drawKSWitcqcibChart);function drawKSWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘USAA’, 750, ‘#528E00’],[‘The Hartford’, 839, ‘#447600’],[‘Allied’, 1054, ‘#386200’],[‘Travelers’, 1073, ‘#2E5100’],[‘Auto-Owners’, 1085, ‘#264300’]]);var options = {title: ‘Best Car Insurance Rates 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:1185,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);}

Now let’s give the driver from above a chargeable claim, slightly worse credit, and a traffic citation. Due to the fact that every auto insurer has a proprietary formula for determining rates, analyzing rate quotes could now result in a significantly different list of the cheapest companies as shown below.

google.charts.setOnLoadCallback(drawKSWcqcibChart);function drawKSWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Farmers’, 1292.5, ‘#C75000’],[‘Nationwide’, 1340.9, ‘#A54200’],[‘The Hartford’, 1342.4, ‘#893700’],[‘State Farm’, 1356.3, ‘#722D00’],[‘California Casualty’, 1409.1, ‘#5F2500’]]);var options = {title: ‘Best Rates with Imperfect Driving Record’,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:1509.1,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);}

Farmers now has the cheapest rate in Kansas with Nationwide, The Hartford, State Farm, and California Casualty also having competitive pricing. This illustrates why drivers need to take the time to shop around when trying to get affordable insurance quotes for a GMC Sierra.

Insurance rates consist of many factors and can change substantially, so the most economical company when you last compared rates may now be costing you a lot of money.

How to find the best cheap insurance for a GMC Sierra in Kansas

It’s not impossible to find cheaper rates, and here are some money-saving solutions that can help drivers locate low-cost car insurance.

• Safer vehicles generally have cheaper insurance rates
• Prevent rate increases by staying accident-free
• Save money by insuring your home and auto with the same company
• Try to not file small claims
• Drop full coverage on older vehicles
• Violations like speeding or DUI increase rates
• Shop around once a year for cheaper rates

The last item on the list is very valuable, as was discussed in the prior article. Auto insurance prices vary greatly, so drivers shouldn’t hesitate to buy from a new company if you can save money.

Having brand loyalty is commendable, but is isn’t recommended if that inflexibility results in costing you a lot of money. Spend a few minutes and compare rates and find cheaper insurance for a GMC Sierra.