Do you want to learn how to find cheaper GMC Sierra 2500HD insurance in Los Angeles? Are you tired of sacrificing other expenses to insure your GMC every month? You have the same problem as millions of other drivers.
Statistics show that most California insurance customers have stayed with the same insurance company for four years or more, and almost half have never compared rates from other carriers. American consumers could save themselves almost $850 a year, but they don’t believe how much they could save if they switched to a more affordable policy.
Having so many choices of insurance companies that have cheap insurance for a GMC Sierra 2500HD in Los Angeles, it can be challenging to choose the best insurance provider.
Choosing the best rates in Los Angeles seems hard but is not really that difficult. Just about every vehicle owner who compares rate quotes for car insurance stands a good chance to find lower prices. But California drivers need to learn how the larger insurance companies determine what you pay and use it to your advantage.
When comparison shopping, obtaining a wide range of quotes helps you find the best rates.
The following companies can provide price comparisons in Los Angeles, CA. If multiple companies are listed, it’s a good idea that you compare several of them to get the cheapest price.
Insurance just makes sense
Despite the fact that insurance is not cheap in Los Angeles, insurance serves a purpose in several ways.
- Almost all states have mandatory liability insurance requirements which means the state requires specific limits of liability protection if you want to drive legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you took out a loan on your GMC, most banks will force you to buy full coverage to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank will be required to insure your GMC at a much higher premium rate and force you to pay for the expensive policy.
- Insurance protects your GMC and your assets. Insurance will pay for most medical and hospital costs for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, also covers legal expenses if you are sued as the result of an accident. If you have damage to your GMC as the result of the weather or an accident, collision and comprehensive coverages will pay to repair the damage.
The benefits of having insurance are definitely more than the cost, especially with large liability claims. Despite what companies tell you, the average driver is currently overpaying as much as $869 every year so smart consumers compare quotes at every renewal to save money.
Detailed insurance information
The price information below highlights detailed analysis of coverage costs for GMC Sierra 2500HD models. Having a better idea how prices are established can help you make decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 2500HD SLE Regular Cab 4WD | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Sierra 2500HD SLE Regular Cab 2WD | $314 | $546 | $500 | $30 | $150 | $1,540 | $128 |
| Sierra 2500HD SLE Crew Cab 4WD | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Sierra 2500HD SLE Extended Cab 4WD | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Sierra 2500HD SLE Crew Cab 2WD | $314 | $630 | $500 | $30 | $150 | $1,624 | $135 |
| Sierra 2500HD SLE Extended Cab 2WD | $314 | $630 | $500 | $30 | $150 | $1,624 | $135 |
| Sierra 2500HD SLT Crew Cab 4WD | $314 | $630 | $442 | $26 | $132 | $1,544 | $129 |
| Sierra 2500HD SLT Extended Cab 4WD | $314 | $630 | $442 | $26 | $132 | $1,544 | $129 |
| Sierra 2500HD SLT Extended Cab 2WD | $314 | $630 | $500 | $30 | $150 | $1,624 | $135 |
| Sierra 2500HD SLT Crew Cab 2WD | $348 | $630 | $500 | $30 | $150 | $1,658 | $138 |
| Get Your Own Customized Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rate quotes do not factor in garaging location in Los Angeles which can influence price quotes greatly.
Policy deductible comparison
When buying car insurance, a common question is at what level do you set your deductibles. The following tables show the premium difference when you choose different physical damage deductibles. The first set of rates uses a $250 physical damage deductible and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 2500HD SLE Regular Cab 4WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Sierra 2500HD SLE Regular Cab 2WD | $386 | $678 | $500 | $30 | $150 | $1,769 | $147 |
| Sierra 2500HD SLE Crew Cab 4WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Sierra 2500HD SLE Extended Cab 4WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Sierra 2500HD SLE Crew Cab 2WD | $386 | $780 | $500 | $30 | $150 | $1,871 | $156 |
| Sierra 2500HD SLE Extended Cab 2WD | $386 | $780 | $500 | $30 | $150 | $1,871 | $156 |
| Sierra 2500HD SLT Crew Cab 4WD | $386 | $780 | $442 | $26 | $132 | $1,791 | $149 |
| Sierra 2500HD SLT Extended Cab 4WD | $386 | $780 | $442 | $26 | $132 | $1,791 | $149 |
| Sierra 2500HD SLT Extended Cab 2WD | $386 | $780 | $500 | $30 | $150 | $1,871 | $156 |
| Sierra 2500HD SLT Crew Cab 2WD | $430 | $780 | $500 | $30 | $150 | $1,915 | $160 |
| Get Your Own Customized Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 2500HD SLE Regular Cab 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Sierra 2500HD SLE Regular Cab 2WD | $238 | $426 | $500 | $30 | $150 | $1,344 | $112 |
| Sierra 2500HD SLE Crew Cab 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Sierra 2500HD SLE Extended Cab 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Sierra 2500HD SLE Crew Cab 2WD | $238 | $490 | $500 | $30 | $150 | $1,408 | $117 |
| Sierra 2500HD SLE Extended Cab 2WD | $238 | $490 | $500 | $30 | $150 | $1,408 | $117 |
| Sierra 2500HD SLT Crew Cab 4WD | $238 | $490 | $442 | $26 | $132 | $1,328 | $111 |
| Sierra 2500HD SLT Extended Cab 4WD | $238 | $490 | $442 | $26 | $132 | $1,328 | $111 |
| Sierra 2500HD SLT Extended Cab 2WD | $238 | $490 | $500 | $30 | $150 | $1,408 | $117 |
| Sierra 2500HD SLT Crew Cab 2WD | $266 | $490 | $500 | $30 | $150 | $1,436 | $120 |
| Get Your Own Customized Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Prices do not factor in specific garaging location which can modify insurance rates greatly.
Using the premium rates above, we can conclude that using a $250 deductible costs approximately $38 more each month or $456 annually across all GMC Sierra 2500HD models than opting for the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you go at least 20 months between claim filings, you would come out ahead if you choose a higher deductible.
How to calculate if higher deductibles make sense
| Average monthly premium for $250 deductibles: | $150 |
| Average monthly premium for $1,000 deductibles (subtract): | – $112 |
| Monthly savings from raising deductible: | $38 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $38 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 20 months |
One thing to note is that higher deductibles results in having to pay to pay more out-of-pocket when you have a claim. That will require enough extra savings in order to pay more for the deductible.
The chart below illustrates how your choice of deductibles and can influence GMC Sierra 2500HD annual premium costs for different age groups of insureds. The data is based on a married female driver, full physical damage coverage, and no other discounts are factored in.
Cheaper Los Angeles car insurance rates with discounts
Auto insurance companies don’t always advertise all possible discounts very clearly, so the following is a list of both the well known in addition to some of the lesser obvious discounts that may be available.
- Senior Citizen Rates – If you’re over the age of 55, you can possibly qualify for a small discount on rates.
- Government Employees – Simply working for the federal government could provide a small rate reduction with select insurance companies.
- E-sign Discounts – A handful of car insurance companies provide a small discount just for signing your application online.
- Discount for Swiching Early – A few companies offer discounts for signing up prior to your current Sierra 2500HD insurance policy expiration. It’s a savings of about 10%.
- Defensive Driver – Successfully completing a safe driver course could cut 5% off your bill if your company offers it.
- Accident Forgiveness – This isn’t a discount exactly, but a handful of insurance companies will let one accident slide before your rates go up if you have no claims before the accident.
- Distant College Student Discount – Youth drivers who live away from home at college and do not take a car to college may qualify for this discount.
- Cautious Driver Discounts – Safe drivers can get discounts for up to 45% lower rates than drivers with accidents.
Don’t be shocked that many deductions do not apply to the entire policy premium. A few only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like you could get a free car insurance policy, you aren’t that lucky. But any discount will reduce your policy premium.
The chart below illustrates the comparison of GMC Sierra 2500HD insurance costs with and without discounts. The price estimates are based on a male driver, no claims or violations, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, multi-policy, marriage, claim-free, and safe-driver discounts applied.
Popular car insurance companies and a partial list of their discounts are shown below.
- Farmers Insurance policyholders can earn discounts including alternative fuel, electronic funds transfer, switch companies, mature driver, and good student.
- State Farm offers premium reductions for Drive Safe & Save, safe vehicle, passive restraint, Steer Clear safe driver discount, multiple policy, defensive driving training, and good student.
- Liberty Mutual offers discounts for good student, preferred payment discount, multi-policy, safety features, newly retired, and multi-car.
- MetLife has savings for good student, claim-free, multi-policy, accident-free, good driver, defensive driver
- Progressive discounts include online quote discount, good student, multi-vehicle, multi-policy, continuous coverage, and homeowner.
Before you buy a policy, ask all the companies which discounts can lower your rates. Depending on the company, some discounts might not apply everywhere. To see a list of insurance companies who offer free GMC Sierra 2500HD insurance quotes in California, follow this link.
Are insurance agents used anymore?
Some consumers still prefer to talk to an insurance agent and there is nothing wrong with that. A nice benefit of comparing insurance prices online is that you can find better rates and still have an agent to talk to.
To make it easy to find an agent, after completing this short form, your insurance data is transmitted to participating agents in Los Angeles who will gladly provide quotes for your business. You won’t even need to even leave your home since price quotes are sent to your email. You can find better rates AND a local agent. If you want to get a comparison quote for a specific company, you can always jump over to their website and give them your coverage information.
Deciding on an provider requires more thought than just a cheap price. Ask your prospective agent these questions:
- Do they regularly work with personal auto policies in Los Angeles?
- Do they review policy coverages at every renewal?
- Do they have 24-hour customer assistance?
- Can glass claims be handled at your home?
- By raising physical damage deductibles, how much would you save?
- How will an accident affect your rates?
If you would like to find a reliable agent, it can be helpful to understand the different types of agents to choose from. Auto insurance agents are considered either independent agents or exclusive agents.
Exclusive Auto Insurance Agents
Agents of this type can only quote rates from one company like Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents are unable to shop your coverage around so they really need to provide good service. Exclusive agents are usually well trained on their products and sales techniques which can be an advantage.
The following are exclusive insurance agencies in Los Angeles who can help you get comparison quotes.
Ted Hope – State Farm Insurance Agent
2049 W Manchester Ave – Los Angeles, CA 90047 – (323) 752-4885 – View Map
Allstate Insurance: David Bang
1145 S Western Ave – Los Angeles, CA 90006 – (323) 733-6680 – View Map
Carmel Stevens – State Farm Insurance Agent
4918 W Slauson Ave – Los Angeles, CA 90056 – (323) 292-7930 – View Map
Independent Auto Insurance Agents
Agents in the independent channel are appointed with more than one company so they can quote policies with an assortment of companies and get you the best rates possible. If your agent finds better pricing, they simply move your policy to a different company which is easy for the insured.
When comparison shopping, you absolutely need to get several quotes from several independent agencies to ensure the widest selection of prices.
Below are independent insurance agents in Los Angeles that are able to give price quote information.
True Rate Insurance
2820 S Vermont Ave #1 – Los Angeles, CA 90007 – (323) 735-1600 – View Map
InsurAide Insurance Agency, Inc. (IIA)
1081 Westwood Blvd Suite 218 – Los Angeles, CA 90024 – (310) 208-3548 – View Map
Anthony Elliot Insurance Agency, Inc.
3349 Cahuenga Blvd W #2 – Los Angeles, CA 90068 – (323) 876-1980 – View Map
Auto insurance savings summarized
Throughout this article, we presented a lot of techniques to find affordable GMC Sierra 2500HD insurance in Los Angeles. The key thing to remember is the more you quote Los Angeles auto insurance, the better chance you’ll have of finding cheaper Los Angeles auto insurance quotes. Drivers may even discover the lowest car insurance rates come from a company that doesn’t do a lot of advertising. Some small companies often have lower premium rates on specific markets than the large multi-state companies such as Allstate or State Farm.
Some auto insurance companies do not offer rates over the internet and many times these smaller providers provide coverage only through independent agencies. Cheap GMC Sierra 2500HD insurance in Los Angeles can be purchased online and from local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from.
More information is located at the links below
- Older Driver Statistics (Insurance Information Institute)
- How Much are Auto Insurance Quotes for a Nissan Rogue in Los Angeles? (FAQ)
- How Much is Los Angeles Auto Insurance for a Learners Permit? (FAQ)
- Credit Impacts Car Insurance Rates (State Farm)
- Senior Drivers (Insurance Information Institute)
- What does Personal Injury Protection (PIP) Cover? (Allstate)