Compare GMC Sierra Insurance Rate Quotes in Cleveland

Discount GMC Sierra insuranceIt’s well known that car insurance companies don’t want policyholders to shop around. People who shop for lower rates will, in all likelihood, move their business because there is a good probability of finding a cheaper policy. Remarkably, a study showed that consumers who compared rates regularly saved on average $3,500 over four years compared to people who never shopped around.

If finding the cheapest price on car insurance in Cleveland is your ultimate goal, then understanding how to get rate quotes and compare cheaper coverage can make the process more efficient.

To save the most money, the best way to get cheaper car insurance rates in Cleveland is to do an annual price comparison from different companies who sell insurance in Ohio. Prices can be compared by following these guidelines.

A valuable tip to remember is that you’ll want to make sure you compare identical limits and deductibles on every quote request and and to get rates from as many carriers as you can. This helps ensure the most accurate price comparison and a thorough selection of prices.

Locating the most cost-effective car insurance policy in Cleveland can really be easy if you know what you’re doing. If you already have coverage, you will most likely be able to shop for the lowest rates using the techniques covered below. Although Ohio drivers do need to learn the way insurance companies market insurance on the web and use it to find better rates.

Just keep in mind that comparing a large number of companies helps you find a lower rate than you’re paying now. Not every company does Cleveland Sierra insurance quotes over the internet, so it’s important to also get rates on coverage from those companies, too.

The auto insurance companies shown below are ready to provide quotes in Cleveland, OH. In order to find cheap car insurance in Cleveland, we suggest you visit as many as you can in order to find the lowest rates.

Cheap GMC Sierra insurance in Cleveland

Some companies don’t always advertise the complete list of policy discounts very clearly, so the next list breaks down a few of the more well known as well as some of the hidden discounts that may be available.Insurance discounts

As a sidenote, some of the credits will not apply to the entire policy premium. Most only apply to individual premiums such as medical payments or collision. Even though the math looks like all those discounts means the company will pay you, it doesn’t quite work that way.

The information below compares GMC Sierra insurance costs with and without discounts being applied to the rates. The data is based on a female driver, no accidents, no driving violations, Ohio state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, multi-policy, claim-free, safe-driver, and homeowner discounts applied.

A few popular companies and some of the premium reductions they offer are outlined below.

It’s a good idea to ask every company the best way to save money. Depending on the company, some discounts might not apply in your state.

Detailed insurance information

The premium information displayed next outlines a range of insurance costs for GMC Sierra models. Learning more about how insurance prices are calculated is important to be able to make informed decisions when shopping around for a new policy.

GMC Sierra Insurance Rates in Cleveland, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $178 $324 $234 $14 $70 $820 $68
Sierra SL Extended Cab 2WD $178 $324 $234 $14 $70 $820 $68
Sierra SLE Crew Cab 2WD $178 $324 $234 $14 $70 $820 $68
Sierra SL Crew Cab 2WD $200 $382 $234 $14 $70 $900 $75
Sierra SLE Crew Cab 2WD $200 $382 $234 $14 $70 $900 $75
Sierra SLE Regular Cab 4WD $200 $382 $234 $14 $70 $900 $75
Sierra SLE Extended Cab 4WD $200 $382 $234 $14 $70 $900 $75
Sierra SLE Crew Cab 4WD $200 $382 $234 $14 $70 $900 $75
Sierra SLT Extended Cab 2WD $200 $382 $234 $14 $70 $900 $75
Sierra SL Crew Cab 4WD $200 $382 $234 $14 $70 $900 $75
Sierra SLT Extended Cab 4WD $200 $382 $234 $14 $70 $900 $75
Sierra SLT Crew Cab 2WD $200 $382 $234 $14 $70 $900 $75
Sierra SLT Crew Cab 4WD $224 $440 $234 $14 $70 $982 $82
Sierra Denali Crew Cab 2WD $224 $440 $234 $14 $70 $982 $82
Sierra Denali Crew Cab 4WD $224 $440 $234 $14 $70 $982 $82
Get Your Own Custom Quote Go

Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rate information does not factor in specific location information which can revise rates substantially.

Liability only or full coverage

The chart below illustrates the difference between GMC Sierra yearly insurance costs with full physical damage coverage compared to only buying liability only. The premium estimates are based on a clean driving record, no at-fault accidents, $500 deductibles, single marital status, and no additional discounts are factored in.

When to buy liability coverage only

There is no definitive rule of when to eliminate physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is more than 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.

For example, let’s say your GMC Sierra replacement cost is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $8,000 after paying your policy deductible. If you are paying more than $800 annually to have full coverage, then you might consider buying liability only.

There are some conditions where dropping full coverage is not a good idea. 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 if your current one is totaled, you should maintain full coverage.

Buying from insurance agencies

Some people would prefer to buy from a local agent and that is a smart decision One of the benefits of getting free rate quotes online is that you can obtain cheap car insurance rates but also keep your business local.

Insurance agents in ClevelandTo find an agent, once you fill out this simple form, the quote information gets sent to insurance agents in Cleveland that can provide free Cleveland car insurance quotes for your car insurance coverage. There is no reason to search for any insurance agencies since rate quotes are delivered directly to you. You can get cheaper car insurance rates AND a local agent. If for some reason you want to compare rates from one company in particular, you just need to jump over to their website to submit a rate quote request.

Choosing the best provider should include more criteria than just a low price. Here are some questions you might want to ask.

Types of car insurance agents in Cleveland

When finding a reliable insurance agency, you must know there are a couple different types of agents and how they function. Agents in Cleveland can be categorized as either exclusive or independent agents depending on their company appointments.

Exclusive Car Insurance Agents

Agents of this type write business for a single company and examples are State Farm or Allstate. These agents are not able to shop your coverage around so they have to upsell other benefits. Exclusive agencies are trained well on their company’s products which can be an advantage.

Listed below are Cleveland exclusive insurance agencies who may provide you with rate quotes.

2700 W 25th StCleveland, OH 44113(216) 621-3723View Map

4342 Ridge RdBrooklyn, OH 44144(216) 741-6100View Map

2775 S Moreland Blvd Ste 203Cleveland, OH 44120(216) 283-5570View Map

View more Cleveland agents

Independent Agents (or Brokers)

These type of agents are not employed by any specific company and that gives them the ability to insure with lots of companies and possibly get better coverage at lower prices. If prices rise, the business is moved internally and you won’t have to switch agencies.

When comparing rates, you should always compare prices from multiple independent agents for maximum quote selection.

Shown below is a short list of independent insurance agencies in Cleveland willing to provide price quote information.

3421 Prospect Ave ECleveland, OH 44115(216) 361-8988View Map

20660 Aurora RdCleveland, OH 44146(216) 475-6800View Map

5602 State RdParma, OH 44134(800) 701-5909View Map

View more Cleveland agents

Ratings for Cleveland auto insurance companies

Picking the highest-rated insurer is hard considering how many companies sell coverage in Cleveland. The information in the lists below could help you analyze which auto insurance companies to look at purchasing coverage from.

Top 10 Cleveland Car Insurance Companies Ranked by Claims Service

  1. Progressive
  2. Travelers
  3. Liberty Mutual
  4. Nationwide
  5. USAA
  6. AAA Insurance
  7. GEICO
  8. Safeco Insurance
  9. Mercury Insurance
  10. Esurance

Top 10 Cleveland Car Insurance Companies by A.M. Best Rank

  1. USAA – A++
  2. GEICO – A++
  3. Travelers – A++
  4. State Farm – A++
  5. Titan Insurance – A+
  6. Progressive – A+
  7. Erie Insurance – A+
  8. Mercury Insurance – A+
  9. The Hartford – A+
  10. Nationwide – A+

Auto insurance coverage information

Knowing the specifics of your car insurance policy aids in choosing which coverages you need and proper limits and deductibles. Car insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages available from car insurance companies.

Comprehensive coverage (or Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hail damage, falling objects, hitting a deer, theft and damage from getting keyed. The most your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability car insurance

This coverage provides protection from damage that occurs to other people or property. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against things such as attorney fees, repair bills for other people’s vehicles and court costs. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible. Ohio requires drivers to carry at least 25/50/25 but drivers should carry more liability than the minimum.

The next chart shows why buying the state minimum limits may not be high enough to adequately cover claims.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like chiropractic care, hospital visits, doctor visits, ambulance fees and nursing services. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This coverage will pay to fix damage to your Sierra from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like damaging your car on a curb, sideswiping another vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to increase the deductible on your Sierra to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your GMC Sierra.

Because many people have only the minimum liability required by law (which is 25/50/25), their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

More quotes mean more insurance savings

A few companies do not offer internet price quotes and these smaller providers only sell coverage through independent insurance agencies. Lower-priced GMC Sierra insurance in Cleveland is available both online and from local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates.

When buying insurance coverage, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced liability limits or collision coverage and learned later that it was a big error on their part. The aim is to buy a smart amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

You just learned a lot of tips how to shop for GMC Sierra insurance online. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding inexpensive Cleveland car insurance quotes. You may even be surprised to find that the biggest savings come from a small local company. Some small companies may only write in your state and offer lower rates compared to the large companies like State Farm or Progressive.

Additional information