Save Money on GMC Sierra 3500HD Insurance in Los Angeles

Would you like to stop overpaying and find low-cost GMC Sierra 3500HD insurance in Los Angeles? Nobody I know anticipates paying for auto insurance, particularly when they could find better prices if they shop around.

Insurance quote for GMC Sierra 3500HD in Los AngelesIt’s safe to conclude that car insurance companies don’t want you quoting rates from other companies. People who shop around once a year are highly likely to buy a new policy because of the high probability of finding a policy with more affordable rates. A recent survey discovered that people who compared prices once a year saved over $70 a month compared to other drivers who never shopped around.

If finding the cheapest rates on car insurance is your target objective, then having an understanding of how to find companies and compare coverages can make it easier to shop your coverage around. Many insurers compete for your hard-earned dollar, and because of this it can be hard to compare car insurance companies to find the lowest rate on GMC Sierra 3500HD insurance in Los Angeles.

It’s important to shop coverage around yearly because prices are rarely the same from one policy term to another. If you had the best rates on GMC Sierra 3500HD insurance in Los Angeles two years ago there is a good chance you can find better rate quotes now. Forget all the misinformation about auto insurance because you’re going to get a crash course in the best way to find better rates and still maintain coverage.

Finding cheap GMC Sierra 3500HD car insurance rates is pretty simple and can save money. You just need to invest a few minutes to get quotes online with multiple companies.

Doing price comparisons online is so simple that it replaces the need to drive to insurance agents’ offices. Comparing GMC Sierra 3500HD insurance rates online makes this unnecessary unless you prefer the extra assistance of a local agency. You can, however, obtain prices from the web but have your policy serviced through an agent.

The companies in the list below have been selected to offer comparison quotes in Los Angeles, CA. If the list has multiple companies, it’s a good idea that you visit two to three different companies in order to find the most affordable rates.

GMC Sierra 3500HD insurance coverage information

The information below showcases a range of insurance policy prices for GMC Sierra 3500HD models. Being aware of how insurance quotes are established can aid in making decisions when shopping around.


GMC Sierra 3500HD Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra 3500HD SLE Regular Cab 2WD $348 $546 $442 $26 $132 $1,494 $125
Sierra 3500HD SLE Regular Cab 4WD $348 $630 $552 $32 $166 $1,728 $144
Sierra 3500HD SLE Crew Cab 2WD $348 $546 $442 $26 $132 $1,494 $125
Sierra 3500HD SLE Extended Cab 2WD $348 $546 $442 $26 $132 $1,494 $125
Sierra 3500HD SLE Extended Cab 4WD $348 $630 $552 $32 $166 $1,728 $144
Sierra 3500HD SLE Crew Cab 4WD $348 $630 $552 $32 $166 $1,728 $144
Sierra 3500HD SLT Extended Cab 2WD $348 $546 $442 $26 $132 $1,494 $125
Sierra 3500HD SLT Crew Cab 4WD $348 $630 $552 $32 $166 $1,728 $144
Sierra 3500HD SLT Extended Cab 4WD $348 $630 $552 $32 $166 $1,728 $144
Sierra 3500HD SLT Crew Cab 2WD $384 $630 $442 $26 $132 $1,614 $135
Get Your Own Customized Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Rate quotes do not factor in your specific Los Angeles location which can influence auto insurance rates significantly.

An analysis of deductible level

When comparing auto insurance rates, the most common question is at what level do you set your deductibles. The following tables approximate the differences in price between high and low policy deductibles. The first set of rates uses a $250 deductible and the second rate table uses a $500 deductible.


GMC Sierra 3500HD insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra 3500HD SLE Regular Cab 2WD $430 $678 $442 $26 $132 $1,733 $144
Sierra 3500HD SLE Regular Cab 4WD $430 $780 $552 $32 $166 $1,985 $165
Sierra 3500HD SLE Crew Cab 2WD $430 $678 $442 $26 $132 $1,733 $144
Sierra 3500HD SLE Extended Cab 2WD $430 $678 $442 $26 $132 $1,733 $144
Sierra 3500HD SLE Extended Cab 4WD $430 $780 $552 $32 $166 $1,985 $165
Sierra 3500HD SLE Crew Cab 4WD $430 $780 $552 $32 $166 $1,985 $165
Sierra 3500HD SLT Extended Cab 2WD $430 $678 $442 $26 $132 $1,733 $144
Sierra 3500HD SLT Crew Cab 4WD $430 $780 $552 $32 $166 $1,985 $165
Sierra 3500HD SLT Extended Cab 4WD $430 $780 $552 $32 $166 $1,985 $165
Sierra 3500HD SLT Crew Cab 2WD $474 $780 $442 $26 $132 $1,879 $157
Get Your Own Customized Quote Go

GMC Sierra 3500HD insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra 3500HD SLE Regular Cab 2WD $348 $546 $442 $26 $132 $1,494 $125
Sierra 3500HD SLE Regular Cab 4WD $348 $630 $552 $32 $166 $1,728 $144
Sierra 3500HD SLE Crew Cab 2WD $348 $546 $442 $26 $132 $1,494 $125
Sierra 3500HD SLE Extended Cab 2WD $348 $546 $442 $26 $132 $1,494 $125
Sierra 3500HD SLE Extended Cab 4WD $348 $630 $552 $32 $166 $1,728 $144
Sierra 3500HD SLE Crew Cab 4WD $348 $630 $552 $32 $166 $1,728 $144
Sierra 3500HD SLT Extended Cab 2WD $348 $546 $442 $26 $132 $1,494 $125
Sierra 3500HD SLT Crew Cab 4WD $348 $630 $552 $32 $166 $1,728 $144
Sierra 3500HD SLT Extended Cab 4WD $348 $630 $552 $32 $166 $1,728 $144
Sierra 3500HD SLT Crew Cab 2WD $384 $630 $442 $26 $132 $1,614 $135
Get Your Own Customized Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Premium costs do not factor in specific zip code location which can affect insurance rates substantially.

Using the premium rates above, we can conclude that using a $250 deductible will cost in the ballpark of $20 more each month or $240 annually than selecting the higher $500 deductible. Because you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you go more than 13 months between claims, you would most likely save money by selecting a higher deductible.

How to determine when to raise deductibles

Average monthly premium for $250 deductibles: $156
Average monthly premium for $500 deductibles (subtract): – $136
Monthly savings from raising deductible: $20
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

The diagram below shows how choosing a deductible and can affect GMC Sierra 3500HD premium costs for each different age category. The information is based on a single male driver, full coverage, and no policy discounts are applied.

Auto insurance rates based on gender

The diagram below visualizes the comparison of GMC Sierra 3500HD insurance costs for male and female drivers. The data assumes no driving violations, no at-fault accidents, comp and collision included, $100 deductibles, drivers are not married, and no policy discounts are applied.

Full coverage rates compared to liability-only

The illustration below compares GMC Sierra 3500HD insurance premiums with full physical damage coverage compared to only buying liability only. The costs are based on no driving violations, no at-fault accidents, $500 deductibles, single marital status, and no policy discounts are applied.

When to buy liability coverage only

There is no definitive rule that works best for making the decision to drop comp and collision coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let’s assume your GMC Sierra 3500HD replacement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $6,000 after the policy deductible has been paid. If it’s costing you more than $600 a year for comprehensive and collision coverage, then you might consider buying liability only.

There are some conditions where eliminating full coverage is not recommended. If you haven’t satisfied your loan, you have to keep full coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

It may be expensive, but it’s not optional

Even though Los Angeles Sierra 3500HD insurance rates can get expensive, insurance may be required and benefits you in several ways.

The benefits of buying enough insurance are without a doubt worth the cost, particularly for liability claims. The average driver in California is currently overpaying as much as $865 each year so we recommend shopping around at every policy renewal to ensure rates are inline.

Lower Your Los Angeles Insurance Premiums

Lots of factors are used in the calculation when premium rates are determined. Some of the criteria are obvious like a motor vehicle report, although others are less apparent like your vehicle usage or your vehicle rating. When buying insurance it’s important to understand some of the factors that play a part in calculating insurance rates. If you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that can earn you big savings.

The items below are a few of the “ingredients” used by companies to determine prices.

Insurance quotes and discounts

Companies offering auto insurance don’t always publicize all available discounts very well, so the list below contains a few of the more well known and also the lesser-known credits available to lower your premiums when you buy Los Angeles auto insurance online.Save money with discounts

Please keep in mind that most of the big mark downs will not be given to the entire cost. Some only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

The chart below visualizes the comparison of GMC Sierra 3500HD insurance costs with and without some available policy discounts. The premium estimates are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, claim-free, safe-driver, multi-policy, and marriage discounts applied.

To locate companies with discount insurance rates in Los Angeles, click this link.

Exclusive versus independent auto insurance agents

Some people prefer to go talk to an agent. Most agents can help determine the best coverages and help submit paperwork. A nice benefit of getting online price quotes is the fact that you can find the lowest rates and also buy local. Buying from local insurance agencies is important particularly in Los Angeles.

Insurance agency in Los AngelesTo help locate an agent, after submitting this quick form, your insurance coverage information is submitted to local insurance agents who will gladly provide quotes to get your business. You don’t have to leave your computer because quoted prices will be sent to you instantly. If you have a need to compare prices from a specific company, don’t hesitate to find their quoting web page and give them your coverage information.

Picking an insurance company should include more criteria than just a cheap quote. Any agent in Los Angeles should have no problem answering these questions:

Persistence pays off

Some auto insurance companies do not offer online rate quotes and most of the time these regional carriers work with independent insurance agencies. Budget-friendly auto insurance in Los Angeles can be purchased both online and also from your neighborhood Los Angeles agents, so compare prices from both to have the best selection.

We covered many ideas to reduce GMC Sierra 3500HD insurance rates online in Los Angeles. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. You may even be surprised to find that the biggest savings come from a company that doesn’t do a lot of advertising. These smaller insurers can often provide lower car insurance rates in certain areas as compared to the big name companies such as State Farm or Progressive.

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