Cheap Insurance Quotes for a GMC Sierra in South Dakota

Buying the cheapest insurance for a GMC Sierra in South Dakota depends on many rating factors such as whether you are a new or experienced driver, if you have ever let your coverage lapse, and any driving offenses on your record. Drivers in South Dakota pay an average of $900 per year to buy insurance for a GMC Sierra, but that rate is a projection calculated based on a 40-year-old married female driver who requires full coverage and $500 deductibles.

But there is a high probability that you are not a 40-year-old female, possibly single instead of married, or maybe your Sierra is old enough that it doesn’t require full coverage. Even a minor change in quote information can make a huge difference in the coverage rate.

Each driver has unique rating factors, so the best method for finding the cheapest insurance price for your GMC is to compare as many rates as possible.

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The specific trim level will have an impact the cost of coverage, so the price you pay to insure a Sierra SLE Regular Cab 2WD trim level will cost $148 less than the price to insure the fancier Sierra Denali Crew Cab 4WD model, as shown in the prices below.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and South Dakota minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rates do not factor in specific location information which can lower or raise rates noticeably.

Shopping around for budget insurance is not the easiest thing to do, and finding out which companies have the best auto insurance rates for a GMC Sierra will take even more perseverance. Every car insurance company uses their own calculation to determine premium rates, so we need to take a look at the most competitive auto insurance companies in South Dakota.

It’s a good idea to know that South Dakota auto insurance rates are impacted by many factors that control the policy price. Things like getting older, moving to a new city, or getting a couple of tickets can cause premium changes that can cause some rates to be more affordable than the competition.

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USAA may offer some of the most affordable car insurance rates in South Dakota at around $638 a year. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Western National also qualify as some of the lowest-priced South Dakota car insurance companies.

As shown above, if you are insured with Western National and switched to Auto-Owners, you may realize annual savings of approxmiately $121. Customers with Unitrin could save as much as $150 a year, and Farmers customers might lower prices by up to $151 a year.

Remember that these premiums are averaged across all types of insureds and vehicles and and are not figured with a specific rate value for a GMC Sierra. So the insurer that fits you best may not even be included in the company chart above. That helps illustrate why you need to get auto insurance quotes using your own individual information.

Discounts on cheap insurance for a GMC Sierra in South Dakota

Insurance companies that provide coverage for a GMC Sierra may also provide discounts that could potentially reduce rates by 40% or more if you meet specific eligibility requirements. A list of companies and their possible discounts can be read below.

• The Hartford offers discounts including defensive driver, anti-theft, good student, vehicle fuel type, and driver training.
• American Family offers premium reductions for bundled insurance, multi-vehicle, mySafetyValet, accident-free, and Steer into Savings.
• Progressive may include discounts for continuous coverage, multi-policy, multi-vehicle, online quote discount, homeowner, online signing, and good student.
• Travelers policyholders can earn discounts including early quote, payment discounts, hybrid/electric vehicle, multi-policy, multi-car, and new car.
• Farmers Insurance may have discounts that include electronic funds transfer, switch companies, distant student, mature driver, multi-car, and business and professional.
• USAA may offer discounts for family discount, military installation, new vehicle, multi-policy, vehicle storage, loyalty savings, and safe driver.
• Liberty Mutual has discounts for newly married, new vehicle discount, exclusive group savings, safety features, hybrid vehicle, and newly retired.

The information below compares insurance prices with and without discounts applied. The premium estimates are based on a female driver, no accidents or driving violations, South Dakota state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multiple vehicle, defensive driving course, multiple policy, claim-free, vehicle safety, and anti-theft discounts applied. With discounts applied, the average savings per year on auto insurance for a GMC Sierra is 28% or $441.

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Who is cheaper: State Farm, Allstate, Progressive, or Geico?

If you want reliable insurance for a Sierra pickup, four companies to definitely compare rates with are State Farm, Allstate, Progressive, and Geico. They all have your normal coverages like liability, comprehensive, and collision, but each one offers somewhat different options that shoppers can select from. The next table rates some of the different features you can expect with each one.

How to find cheap insurance for a GMC Sierra in South Dakota

It’s not impossible to find cheaper rates, and here are some of the recommended money-saving suggestions that can help South Dakota drivers locate more affordable coverage.

• You will pay more if you get tickets or have at-fault accidents
• Drive safe vehicles
• Increase physical damage deductibles
• Avoid having at-fault accidents
• Assess whether full coverage is needed
• Drivers with good credit ratings often pay less
• Shop around once a year for cheaper rates

That last idea is highly important, as was pointed out in the prior article. Prices charged by companies in South Dakota change a lot, so don’t be unwilling to switch to a new company if a cheaper rate is available. Being loyal to a particular company is commendable, but it isn’t a good idea if that inflexibility results in costing you lots of hard earned cash every month. It takes less than five minutes to shop around to find cheaper insurance for a GMC Sierra.

Cheapest GMC Sierra insurance quotes

Thanks to technology, drivers have a lot of ways to shop for and buy auto insurance in South Dakota, but the most popular ways are from an independent or non-exclusive agent, a captive (or exclusive) agency such as Allstate or Liberty Mutual, or buying direct from a company like Geico or Progressive.

You can use whichever method you prefer, but auto insurance shoppers should know the differences in how they provide price quotes.

Independent agencies write business for many companies and can compare coverage rates with every one. Independent agents are usually affiliated with several companies and can give you a larger rate selection, which can help you get a better chance of finding cheaper coverage. If a cheaper rate is found, your policy is moved internally and that require little work on your part.

A captive, or exclusive, agent is only able to place business with one company, two popular examples being an Allstate or State Farm agent. These agents are unable to compare rates from other companies, so it’s a good idea to get additional price quotes.

The last way is buying direct, which means you forego a local agent and buy direct either online or via phone. This auto insurance option can be a good choice for consumers who have fewer assets and have knowledge of how auto insurance works.

So what is the best way to find cheap insurance for a GMC Sierra in South Dakota? The majority of auto insurance shoppers assume that shopping direct results in the cheapest price because there is no agent involved, but that is not always the case. It could also be said using an independent agent guarantees the best prices since they can quote with many companies, but again, it’s not a sure thing. In a lot of cases, the exclusive agents have coverage prices that are impossible to beat.

Since auto insurance companies use so many rating factors, the one way to get rock-bottom rates is to get as many comparison quotes as possible. The ideal approach is to get prices from all three types to have a good selection of rates to choose from. For a list of companies offering online discounts, click here to view.