GMC Sierra 2500HD Insurance Quotes in Durham

It’s an obvious statement that auto insurance companies don’t want you shop around. Insureds who shop around at least once a year will presumably switch car insurance companies because there is a high probability of finding coverage at a more affordable price. A recent survey discovered that people who compared price quotes annually saved $72 a month compared to those who never compared rates.

If finding the most affordable car insurance is your target objective, then knowing the best way to compare auto insurance can save time, money, and frustration.

It takes a few minutes, but the best way to get low-cost GMC Sierra 2500HD insurance is to begin comparing prices regularly from insurance carriers who can sell car insurance in Durham.

1. Read about how auto insurance works and the things you can control to keep rates in check. Many things that drive up the price such as at-fault accidents and an unfavorable credit rating can be amended by making minor driving habit or lifestyle changes.
2. Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO and Allstate, while independent agents can give you price quotes from multiple insurance companies.
3. Compare the new rate quotes to your current policy to determine if you can save on Sierra 2500HD insurance in Durham. If you can save some money and decide to switch, verify that coverage does not lapse between policies.

The key thing to know about shopping around is that you’ll want to compare identical deductibles and limits on every quote request and and to get rate quotes from every insurance company. This guarantees a fair rate comparison and a complete price analysis.

Where can I get cheap Durham GMC Sierra 2500HD insurance?

When looking for low cost Durham auto insurance quotes, there are a couple ways of comparing rates from all the different companies. The easiest way to compare rates consists of obtaining rate quotes online.

Just remember that comparing all the rates in your area helps locate the best rates.

The car insurance companies shown below are ready to provide quotes in North Carolina. If multiple companies are listed, it’s highly recommended you click on several of them to find the most competitive car insurance rates.

Do you qualify for discounts?

Car insurance is not cheap, but there could be significant discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically at the time of purchase, but some need to be asked about before you get the savings.

• Driver’s Education for Students – Require your teen driver to successfully take a driver’s education course if offered at their school.
• Low Mileage – Maintaining low annual mileage can earn slightly better prices than normal.
• Waiver for an Accident – This one isn’t a discount, but companies like State Farm and GEICO may permit one accident before your rates go up so long as you are claim-free for a certain period of time.
• Seat Belt Discounts – Requiring all passengers to fasten their seat belts can save 10% or more on medical payment and PIP coverage.
• Theft Deterrent – Cars equipped with tracking devices and advanced anti-theft systems are stolen less frequently and will qualify for a discount on a Durham auto insurance quote.
• Defensive Driver Discounts – Taking part in a course teaching defensive driving skills may get you a small discount if you qualify.
• Discount for Multiple Policies – If you combine your home and auto policies and place coverage with the same company you could get a discount of nearly 15% which can help you find affordable GMC Sierra 2500HD insurance rates in Durham.

A quick disclaimer, most credits do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like comp or med pay. Even though it may seem like you would end up receiving a 100% discount, you aren’t that lucky.

The chart below shows the difference between GMC Sierra 2500HD car insurance rates with and without discounts applied to the rates. The data assumes a male driver, no accidents, no driving violations, North Carolina state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, claim-free, safe-driver, multi-policy, and multi-car discounts applied.

To choose insurers with the best discounts in North Carolina, click this link.

Rates and data analysis

The table displayed next covers estimates of insurance prices for GMC Sierra 2500HD models. Understanding how auto insurance policy rates are calculated can assist in making informed decisions when comparing rates.

Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rate quotes do not factor in your specific Durham location which can revise prices significantly.

Physical damage deductibles

A question often asked by Durham drivers is the level to set your comp and collision deductibles. The figures shown below sum up the rate difference when you select higher and lower deductibles. The first pricing table uses a $100 physical damage deductible and the second price chart uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Premium costs do not factor in Durham location which can affect auto insurance rates significantly.

Based on this data, using a $100 deductible costs an average of $21 more each month or $252 each year averaged for all Sierra 2500HD models than buying the higher $500 deductible. Since you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have at least 19 months between claims, you would probably come out ahead by going with a higher deductible.

The information below shows how different deductible levels and can affect GMC Sierra 2500HD yearly insurance costs for each different age category. The price estimates are based on a married male driver, full physical damage coverage, and no discounts are taken into consideration.

Reckless driving habits raise car insurance rates

The illustration below demonstrates how speeding tickets and fender-benders impact GMC Sierra 2500HD insurance costs for different age groups of insureds. The price estimates are based on a married female driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.

Men versus women drivers and insurance cost

The information below illustrates the comparison of GMC Sierra 2500HD car insurance costs for male and female drivers. Data assumes no violations or claims, full coverage, $500 deductibles, single status, and no policy discounts are applied.

Full coverage or liability only

The illustration below visualizes the comparison of GMC Sierra 2500HD yearly insurance costs when comparing full coverage to liability only. The information is based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are not married, and no other discounts are factored in.

When to stop buying comprehensive and collision coverage

There is no clear-cut rule of when to phase out full coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than about 10% of replacement cost minus your deductible, then you might consider buying liability only.

For example, let’s assume your GMC Sierra 2500HD replacement cost is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $7,000 after you pay the deductible. If you are currently paying more than $700 a year for your policy with full coverage, then it might be time to consider dropping full coverage.

There are some circumstances where dropping full coverage is not advised. If you still owe a portion of the original loan, you have to keep full coverage to satisfy the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should maintain full coverage.

Get rate quotes but work with a local neighborhood Durham car insurance agent

Some people prefer to buy from a local agent and that is not a bad decision One of the best bonuses of comparing rate quotes online is the fact that drivers can get cheap auto insurance rates and still buy from a local agent.

To help locate an agent, after submitting this quick form, the quote information is submitted to agents in your area who will give competitive quotes for your business. You won’t need to find an agent since price quotes are sent straight to your inbox. Get lower rates without a big time investment. If you wish to compare prices from a specific company, feel free to search and find their rate quote page and give them your coverage information.

Choosing the best insurance company shouldn’t rely on just the bottom line cost. These are some questions you should get answers to.

• Do clients work directly with the agent or are most inquiries handled by a CSR?
• Can glass claims be handled at your home?
• What insurance companies do they work with in Durham?
• Does their agency support local causes in Durham?
• If your car is totaled, how to they determine the replacement cost?
• Which members of your family are coverage by the policy?
• What are the financial ratings for the companies they represent?
• If independent agents, which companies do they recommend?

Shown below is a list of car insurance companies in Durham who can help you get rate quotes for GMC Sierra 2500HD insurance in Durham.

• Insurance Pros: Paradis James
  3200 Croasdaile Dr # 603 – Durham, NC 27705 – (919) 294-6613 – View Map
• Leslie Robinson State Farm Insurance
  105 W North Carolina 54 #263 – Durham, NC 27713 – (919) 206-5096 – View Map
• Superior Insurance of Durham
  3825 S Roxboro St #118 – Durham, NC 27713 – (919) 224-8034 – View Map
• Debbie Leonard – State Farm Insurance Agent
  3702 Hillsborough Rd #2b – Durham, NC 27705 – (919) 383-3887 – View Map

More Durham agents

Different people need different car insurance coverages

Always remember that when buying the best car insurance coverage for your vehicles, there is no best way to insure your cars. Your needs are unique to you.

Here are some questions about coverages that can help discover if you could use an agent’s help.

• Should I buy more coverage than the required North Carolina minimum liability coverage?
• Am I covered if I hit my neighbor’s mailbox?
• Am I covered if I hit a deer?
• Why am I required to get a high-risk car insurance policy?
• What if I owe more than I can insure my car for?
• What are the best liability limits?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form.

Components of Your GMC Sierra 2500HD Insurance Premiums

Consumers need to have an understanding of the factors that help determine the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay, this enables you to make decisions that may result in big savings. Lots of things are considered when premium rates are determined. Some are obvious such as traffic violations, but some are more obscure like where you live or your commute time.

• Compare rates if you combine your policies – Many insurance companies give lower prices to customers who consolidate policies with them such as combining an auto and homeowners policy. Even if you’re getting this discount drivers will still want to compare GMC Sierra 2500HD rates in Durham to confirm you are receiving the best rates possible. You may still be able to save more without the discount by buying insurance from more than one company.
• Can a thief steal your car? – Choosing a vehicle with advanced anti-theft systems can earn a premium discount. Systems that thwart thieves like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent car theft.
• Safer vehicles means cheaper insurance – Vehicles with good safety scores are cheaper to insure. The safest vehicles reduce occupant injuries and fewer injuries means less money paid by your insurance company which can mean better rates for you.
• Higher car insurance rates for coverage lapses – Not having insurance is against the law and any future policy may cost more because you let your coverage lapse. And not only will insurance be more expensive, not being able to provide proof of insurance could result in a hefty fine and possibly a revoked license. You will then be forced to provide proof of insurance in the form of an SR-22 filing with the North Carolina DMV.
• Rates impacted by your city – Choosing to live in less populated areas of the country has definite advantages when talking about car insurance. Urban drivers regularly have congested traffic and much longer commute distances. Fewer drivers translates into fewer accidents in addition to fewer liability claims.

Three reasons auto insurance is important

Despite the potentially high cost of GMC Sierra 2500HD insurance, insuring your vehicle may be required for several reasons.

• The majority of states have mandatory liability insurance requirements which means state laws require specific limits of liability coverage in order to license the vehicle. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you bought your GMC Sierra 2500HD with a loan, almost every bank will have a requirement that you have comprehensive coverage to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the bank or lender will purchase a policy for your GMC at a much higher premium rate and make you pay the higher price.
• Auto insurance preserves both your assets and your vehicle. It will also pay for most medical and hospital costs for both you and anyone you injure as the result of an accident. Liability insurance will also pay to defend you if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.

The benefits of buying enough insurance more than cancel out the cost, especially with large liability claims. Unknowingly, the average driver is currently overpaying as much as $830 a year so we recommend shopping around every year to ensure rates are inline.

Durham car insurance companies ranked

Selecting the right insurer can be difficult considering how many choices you have in North Carolina. The rank data in the lists below could help you choose which auto insurance companies to look at when comparing rate quotes.

Top 10 Durham Car Insurance Companies Ranked by Claims Service

1. Travelers
2. Nationwide
3. Allstate
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. Titan Insurance
10. AAA Insurance

Top 10 Durham Car Insurance Companies Ranked by Customer Service

1. USAA
2. Travelers
3. AAA Insurance
4. Nationwide
5. Safeco Insurance
6. Progressive
7. State Farm
8. The Hartford
9. The General
10. Esurance

Smart shoppers get results

People who switch companies do it for a variety of reasons including delays in paying claims, extreme rates for teen drivers, delays in responding to claim requests and questionable increases in premium. Regardless of your reason for switching companies, switching car insurance companies is not as hard as you think.

The cheapest GMC Sierra 2500HD insurance in Durham can be found both online and from local insurance agents, and you should compare rates from both to have the best rate selection. Some car insurance companies don’t offer rates over the internet and usually these small insurance companies sell through independent agents.

We’ve covered a lot of information how to get a better price on GMC Sierra 2500HD insurance in Durham. It’s most important to understand that the more companies you get auto insurance rates for, the better chance you’ll have of finding the cheapest GMC Sierra 2500HD rate quotes. Consumers could even find that the most savings is with a small mutual company.

More tips and info about car insurance is located in the articles below:

• What Does No-Fault Insurance Cover? (Allstate)
• Who Has the Cheapest Car Insurance Quotes for a Ford Escape in Durham? (FAQ)
• Drunk Driving Statistics (Insurance Information Institute)
• Alcohol Impaired Driving FAQ (iihs.org)
• Safety Features for Your New Car (State Farm)