Do you need a better way to compare the cheapest car insurance rates in Fort Wayne, IN? Fort Wayne consumers have a choice when looking for low-cost GMC Sierra 3500HD insurance. They can either waste time struggling with agents trying to get quotes or use the internet to compare rates.
There is a better way to find car insurance online so you’re going to learn the best way to price shop coverage on a GMC and find the best price possible from Fort Wayne insurance agents and online providers.
Our objective is to let you in on how car insurance works and also save some money in the process If you already have coverage, you should be able to get lower rates using the ideas you’re about to read. Vehicle owners only have to learn the most efficient way to compare company rates instantly.
Rates and data analysis
The premium table displayed next highlights a range of insurance costs for GMC Sierra 3500HD models. Learning how premiums are determined can help you make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 3500HD SLE Regular Cab 2WD | $248 | $396 | $290 | $18 | $86 | $1,038 | $87 |
| Sierra 3500HD SLE Regular Cab 4WD | $248 | $456 | $362 | $22 | $108 | $1,196 | $100 |
| Sierra 3500HD SLE Crew Cab 2WD | $248 | $396 | $290 | $18 | $86 | $1,038 | $87 |
| Sierra 3500HD SLE Extended Cab 2WD | $248 | $396 | $290 | $18 | $86 | $1,038 | $87 |
| Sierra 3500HD SLE Extended Cab 4WD | $248 | $456 | $362 | $22 | $108 | $1,196 | $100 |
| Sierra 3500HD SLE Crew Cab 4WD | $248 | $456 | $362 | $22 | $108 | $1,196 | $100 |
| Sierra 3500HD SLT Extended Cab 2WD | $248 | $396 | $290 | $18 | $86 | $1,038 | $87 |
| Sierra 3500HD SLT Crew Cab 4WD | $248 | $456 | $362 | $22 | $108 | $1,196 | $100 |
| Sierra 3500HD SLT Extended Cab 4WD | $248 | $456 | $362 | $22 | $108 | $1,196 | $100 |
| Sierra 3500HD SLT Crew Cab 2WD | $274 | $456 | $290 | $18 | $86 | $1,124 | $94 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Prices do not factor in the specific area where the vehicle is garaged which can affect coverage prices substantially.
The illustration below illustrates how your choice of deductibles and can raise or lower GMC Sierra 3500HD annual premium costs for different age groups. The rates are based on a single male driver, full coverage, and no discounts are applied.
Reckless driving habits raise Fort Wayne insurance rates
The illustration below shows how traffic citations and at-fault claims impact GMC Sierra 3500HD insurance costs for different age groups. The premiums are based on a single female driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.
Get cheaper rates on GMC Sierra 3500HD insurance in Fort Wayne with these ten discounts
Buying auto insurance is not cheap, but you can get discounts to help offset the cost. Some discounts will apply when you quote, but a few must be asked about before being credited.
- Multiple Vehicles – Buying a policy with all your vehicles on one policy can get a discount on all vehicles.
- Payment Discounts – If paying your policy premium upfront instead of paying each month you could save 5% or more.
- Auto/Life Discount – Larger insurance carriers have better auto insurance rates if you take out auto and life insurance together.
- College Student – College-age children who are enrolled in higher education away from home and do not have access to a covered vehicle could get you a discount.
- Professional Organizations – Having an affiliation with a qualifying organization can get you a small discount on your next renewal.
- Low Mileage – Driving less could earn lower prices on the low mileage vehicles.
- Student Discount for Driver Training – It’s a good idea to have your young drivers participate in a local driver’s education class in high school.
- Early Renewal Discounts – A few insurance companies give discounts for switching policies prior to your current Sierra 3500HD insurance policy expiring. This can save 10% or more.
- Federal Employees – Active or former government employment may reduce rates when you quote Fort Wayne auto insurance depending on your auto insurance provider.
- Theft Deterrent Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems can help prevent theft and will save you 10% or more on Sierra 3500HD insurance in Fort Wayne.
You should keep in mind that most discount credits are not given to the entire cost. Most only apply to individual premiums such as comp or med pay. Even though the math looks like adding up those discounts means a free policy, you aren’t that lucky.
The information below visualizes the comparison of GMC Sierra 3500HD auto insurance costs with and without discounts applied to the rates. The information is based on a male driver, no claims or driving violations, Indiana 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 homeowner, claim-free, multi-policy, marriage, multi-car, and safe-driver discounts applied.
For a list of providers with discount rates in Indiana, follow this link.
Car insurance policy specifics
Learning about specific coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement.
Auto liability
This coverage provides protection from injuries or damage you cause to people or other property. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/10 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $10,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.
Liability insurance covers things like emergency aid, medical expenses, medical services and structural damage. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford. Indiana state law requires minimum liability limits of 25/50/10 but you should think about purchasing better liability coverage.
The next chart shows why buying minimum limits may not provide you with enough coverage.
Comprehensive coverages
Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims such as hitting a deer, damage from getting keyed, fire damage and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.
Coverage for medical payments
Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like prosthetic devices, dental work, ambulance fees and funeral costs. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay
Collision coverage protection
Collision coverage pays for damage to your Sierra 3500HD resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage protects against claims such as damaging your car on a curb, sideswiping another vehicle, driving through your garage door, hitting a mailbox and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to bump up the deductible on your Sierra 3500HD in order to get cheaper collision rates.
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your GMC Sierra 3500HD.
Because many people only carry the minimum required liability limits (which is 25/50/10), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages are similar to your liability insurance amounts.
Indiana auto insurance company ratings
Buying coverage from the best auto insurance provider can be challenging considering how many choices there are in Indiana. The ranking data shown next could help you select which car insurance companies to look at purchasing a policy from.
Top 10 Fort Wayne Car Insurance Companies by A.M. Best Rank
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Allstate – A+
- Progressive – A+
- Erie Insurance – A+
- The Hartford – A+
- Nationwide – A+
- Esurance – A+
Top 10 Fort Wayne Car Insurance Companies Overall
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
More quotes mean more car insurance savings
When searching for cheaper Fort Wayne auto insurance quotes, do not skimp on critical coverages to save a buck or two. There are too many instances where an insured cut uninsured motorist or liability limits and discovered at claim time that the small savings ended up costing them much more. The aim is to purchase a proper amount of coverage at the best cost and still be able to protect your assets.
More affordable car insurance in Fort Wayne can be purchased online and with local Fort Wayne insurance agents, so you need to quote Fort Wayne auto insurance with both to have the best rate selection. Some companies may not offer online rate quotes and usually these regional insurance providers only sell coverage through local independent agents.
You just read many ideas to shop for GMC Sierra 3500HD insurance online. The key thing to remember is the more times you quote, the higher the chance of saving money. Drivers may even discover the lowest prices come from a smaller regional carrier.
Steps to finding more affordable GMC Sierra 3500HD insurance in Fort Wayne
The recommended way to get cheaper GMC Sierra 3500HD insurance in Fort Wayne is to start doing a yearly price comparison from insurers in Indiana.
First, read and learn about coverages and the changes you can make to lower rates. Many factors that are responsible for high rates such as accidents, careless driving, and an imperfect credit score can be remedied by making small lifestyle or driving habit changes.
Second, compare price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like GEICO or Farmers Insurance, while agents who are independent can provide prices from multiple insurance companies.
Third, compare the new rate quotes to your existing rates to see if a cheaper rate is available in Fort Wayne. If you find better rates, ensure there is no coverage lapse between policies.
Fourth, provide proper notification to your current company of your intention to cancel your current car insurance policy and submit a down payment and signed policy application for your new coverage. Don’t forget to put the new proof of insurance paperwork in an easily accessible location in your vehicle.
One bit of advice is to use identical deductibles and limits on each quote and and to look at as many auto insurance providers as possible. This guarantees the most accurate price comparison and a complete rate analysis.
To read more, take a look at these articles:
- Anti-Lock Brake FAQ (iihs.org)
- Who Has the Cheapest Auto Insurance Quotes for Low Mileage Drivers in Fort Wayne? (FAQ)
- How Much are Auto Insurance Rates for Police Officers in Fort Wayne? (FAQ)
- Who Has the Cheapest Auto Insurance for Inexperienced Drivers in Fort Wayne? (FAQ)
- How Much is Fort Wayne Auto Insurance for Seniors? (FAQ)
- Vehicle Insurance (Wikipedia)
- Insurance losses by make and model (Insurance Institute for Highway Safety)
- Older Drivers FAQ (iihs.org)
- Get the Right Protection (InsureUonline.org)