Cheap Insurance for a GMC Sierra 3500HD in San Jose

Insurance quote for GMC Sierra 3500HD in San JoseThe best way we recommend to get cheaper GMC Sierra 3500HD insurance is to make a habit of regularly comparing prices from providers who can sell car insurance in San Jose.

Step 1: Get an understanding of how companies price auto insurance and the changes you can make to prevent rate increases. Many policy risk factors that result in higher rates such as tickets, at-fault accidents, and a less-than-favorable credit rating can be eliminated by being financially responsible and driving safely. Read the full article for additional ideas to prevent expensive rate increases and get additional discounts.

Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give prices from a single company like GEICO or Farmers Insurance, while independent agencies can quote rates for a wide range of companies.

Step 3: Compare the new quotes to your existing coverage and see if there is a cheaper rate. If you can save money, make sure coverage does not lapse between policies.

Step 4: Provide notification to your current company of your decision to cancel your existing policy and submit the signed application along with the required initial payment to the new company. Once the application is submitted, put the certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.

An important note is to make sure you enter similar limits and deductibles on each quote and to quote with as many companies as possible. This ensures a fair price comparison and the best rate selection.

It’s amazing but most drivers have been with the same company for four years or more, and 38% of customers have never even compared quotes to find lower-cost rates. With the average premium in California being $1,390, drivers can save 35% each year by just shopping around, but they just assume it takes a lot of time to shop around.

These discounts can lower your car insurance rates

Some insurance providers don’t always advertise the complete list of policy discounts in a way that’s easy to find, so below is a list a few of the more well known and also the more inconspicuous discounts you could be receiving when you buy San Jose car insurance online.

One last thing about discounts, some of the credits will not apply to your bottom line cost. Most only cut the price of certain insurance coverages like comprehensive or collision. Even though the math looks like you would end up receiving a 100% discount, it just doesn’t work that way.

The information below visualizes the comparison of GMC Sierra 3500HD yearly insurance costs with and without policy discounts. The information is based on a female driver, a clean driving record, no claims, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, claim-free, marriage, multi-car, and safe-driver discounts applied.

Large car insurance companies and some of the premium reductions they offer are outlined below.

When getting free San Jose car insurance quotes, it’s a good idea to each company or agent which discounts they offer. Discounts might not be offered on policies in your area. For a list of insurance companies that can offer you the previously mentioned discounts in California, click here to view.

When comparison shopping, making a lot of price comparisons will improve the odds of getting the best price. Some regional insurers cannot provide rate quotes online, so it’s important to also get quotes from them, too.

The providers in the list below are our best choices to provide free rate quotes in California. If the list has multiple companies, it’s highly recommended you compare several of them to get the cheapest price.

Rate information and statistics

The rate information displayed below showcases a range of prices for GMC Sierra 3500HD models. Being more informed about how policy rates are formulated can help you make decisions when choosing a new policy provider.

GMC Sierra 3500HD Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra 3500HD SLE Regular Cab 2WD $300 $536 $464 $28 $138 $1,466 $122
Sierra 3500HD SLE Regular Cab 4WD $300 $616 $580 $34 $174 $1,704 $142
Sierra 3500HD SLE Crew Cab 2WD $300 $536 $464 $28 $138 $1,466 $122
Sierra 3500HD SLE Extended Cab 2WD $300 $536 $464 $28 $138 $1,466 $122
Sierra 3500HD SLE Extended Cab 4WD $300 $616 $580 $34 $174 $1,704 $142
Sierra 3500HD SLE Crew Cab 4WD $300 $616 $580 $34 $174 $1,704 $142
Sierra 3500HD SLT Extended Cab 2WD $300 $536 $464 $28 $138 $1,466 $122
Sierra 3500HD SLT Crew Cab 4WD $300 $616 $580 $34 $174 $1,704 $142
Sierra 3500HD SLT Extended Cab 4WD $300 $616 $580 $34 $174 $1,704 $142
Sierra 3500HD SLT Crew Cab 2WD $330 $616 $464 $28 $138 $1,576 $131
Get Your Own Custom Quote Go

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Prices do not factor in specific San Jose garaging location which can change premiums greatly.

The illustration below demonstrates how deductibles and can increase or decrease GMC Sierra 3500HD yearly insurance costs for different age categories. The price estimates are based on a single female driver, full coverage, and no other discounts are factored in.

Careless driving habits raise car insurance rates

The diagram below shows how violations and accidents can increase GMC Sierra 3500HD annual premium costs for each different age category. The price estimates are based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.

GMC Sierra 3500HD insurance premiums by gender

The example below illustrates the difference between GMC Sierra 3500HD annual premium costs for male and female drivers. The prices are based on a clean driving record, no at-fault accidents, full coverage, $500 deductibles, marital status is single, and no discounts are applied to the premium.

Does it make sense to buy full coverage?

The illustration below shows the difference between GMC Sierra 3500HD car insurance rates with and without full coverage. The premiums are based on no accidents or driving violations, $500 deductibles, drivers are not married, and no discounts are factored in.

Should you pay for full coverage or liability only?

There isn’t a steadfast formula of when to eliminate full coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

For example, let’s pretend your GMC Sierra 3500HD book value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $4,000 after paying your policy deductible. If it’s costing in excess of $400 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are a few cases where eliminating full coverage is not financially feasible. If you still have a loan on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.

Smart Buyers Know How to Find Car Insurance at a Discount

Consumers need to have an understanding of the different types of things that are used to determine your premiums. If you know what determines base rates, this helps enable you to make changes that can help you get better car insurance rates.

Get rate quotes but still have a local San Jose insurance agency

Some consumers just prefer to talk to a local agent. The biggest benefit of getting free rate quotes online is you can get lower car insurance rates but also keep your business local. Buying from small agencies is important especially in San Jose.

Insurance agency in San JoseTo help locate an agent, after submitting this simple form, the quote information is transmitted to agents in your area who will give you bids and help you find cheaper coverage. You never need to contact any agents since rate quotes are delivered to you instantly. It’s the lowest rates and work with a local agent. If for some reason you want to get a comparison quote from one company in particular, feel free to find their quoting web page to submit a rate quote request.

Different types of San Jose auto insurance agents

If you prefer to buy auto insurance from a reliable agent, you must know there are a couple different types of agencies and how they differ in how they can insure your vehicles. Insurance agencies in San Jose are considered either exclusive agents or independent agents.

Independent Auto Insurance Agencies or Brokers

Agents of this type can sell policies from many different companies so they can write business through many companies and find the cheapest rate. If prices rise, the business is moved internally without you having to go to a different agency.

When comparison shopping, it’s recommended you get rate quotes from several independent agencies so that you have a good selection of quotes to compare.

Featured below is a list of independent insurance agencies in San Jose that may be able to give you free auto insurance quotes.

2239 Moorpark Ave #100San Jose, CA 95128(408) 289-5445View Map

1629 Alum Rock AveSan Jose, CA 95116(408) 929-6111View Map

900 N 1st St ESan Jose, CA 95112(408) 292-2925View Map

More insurance agents

Exclusive Agents

Exclusive agents generally can only insure with one company and some examples include Allstate, State Farm and Farm Bureau. Exclusive agencies are unable to give you multiple price quotes so they really need to provide good service. Exclusive agents are usually quite knowledgeable on sales techniques which helps them compete with independent agents.

Listed below are exclusive insurance agents in San Jose that are able to give price quote information.

Reed Sparks – State Farm Insurance Agent
3119 Alum Rock AveSan Jose, CA 95127(408) 923-2055View Map

696 E Santa Clara St #110San Jose, CA 95112(408) 642-1399View Map

151 Bernal Rd #10San Jose, CA 95119(408) 224-3737View Map

More insurance agents

Finding a good car insurance agent should depend on more than just a cheap price. These questions are important to ask:

Why you need Sierra 3500HD insurance in California

Despite the high cost of buying insurance for a GMC Sierra 3500HD in San Jose, maintaining insurance may be required and benefits you in several ways.

The benefits of buying enough insurance are without a doubt worth the cost, especially when you need to use it. Today the average American driver is overpaying more than $865 each year so you should quote rates each time the policy renews to be sure current rates are still competitive.

Persistence is the key to cheaper rates

Throughout this article, we presented a lot of information how to reduce GMC Sierra 3500HD insurance rates online in San Jose. It’s most important to understand that the more companies you get car insurance rates for, the better chance you’ll have of finding cheaper San Jose car insurance quotes. Consumers could even find that the most savings is with a smaller regional carrier. Some small companies may only write in your state and offer lower car insurance rates than the large multi-state companies such as GEICO and State Farm.

When getting San Jose car insurance quotes online, never reduce needed coverages to save money. Too many times, drivers have reduced uninsured motorist or liability limits and learned later that it was a big error on their part. The goal is to purchase a proper amount of coverage at the best price, not the least amount of coverage.

More articles