Buying competitive insurance for a GMC Sierra relies on a lot of rating factors such as when you were born, whether or not you garage your vehicle, and your policy deductibles. Virginia drivers pay around $999 per year for Sierra insurance, but that figure is based upon a 30-year-old single female driver with full coverage and $500 deductibles.
Odds are that you may not be 30 years old (or even female), married instead of single, or maybe you want more liability coverage than is required by law in Virginia. Auto insurance is not the same for everyone, so the only way to find cheap auto insurance rates for your GMC is to just take the time to compare rates yourself.
The specific trim level impacts the coverage cost, so the price you will pay to insure a Sierra SLE Regular Cab 2WD trim level will be $164 cheaper than the cost to insure the higher-priced Sierra Denali Crew Cab 4WD model, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra SLE Regular Cab 2WD||$180||$332||$348||$20||$104||$984||$82|
|Sierra SL Extended Cab 2WD||$180||$332||$348||$20||$104||$984||$82|
|Sierra SLE Crew Cab 2WD||$180||$332||$348||$20||$104||$984||$82|
|Sierra SL Crew Cab 2WD||$202||$392||$348||$20||$104||$1,066||$89|
|Sierra SLE Crew Cab 2WD||$202||$392||$348||$20||$104||$1,066||$89|
|Sierra SLE Regular Cab 4WD||$202||$392||$348||$20||$104||$1,066||$89|
|Sierra SLE Extended Cab 4WD||$202||$392||$348||$20||$104||$1,066||$89|
|Sierra SLE Crew Cab 4WD||$202||$392||$348||$20||$104||$1,066||$89|
|Sierra SLT Extended Cab 2WD||$202||$392||$348||$20||$104||$1,066||$89|
|Sierra SL Crew Cab 4WD||$202||$392||$348||$20||$104||$1,066||$89|
|Sierra SLT Extended Cab 4WD||$202||$392||$348||$20||$104||$1,066||$89|
|Sierra SLT Crew Cab 2WD||$202||$392||$348||$20||$104||$1,066||$89|
|Sierra SLT Crew Cab 4WD||$226||$450||$348||$20||$104||$1,148||$96|
|Sierra Denali Crew Cab 2WD||$226||$450||$348||$20||$104||$1,148||$96|
|Sierra Denali Crew Cab 4WD||$226||$450||$348||$20||$104||$1,148||$96|
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Information does not factor in zip code location which can decrease or increase prices noticeably.
Choosing the highest-rated car insurance provider can be rather challenging considering how many companies sell insurance in Virginia. The ranking information below can help you decide which car insurance companies you want to consider when comparing rate quotes. These ratings are only made up of companies who write in the majority of U.S. states, so companies that only write business in Virginia or surrounding areas will not be included in these rankings.
Top 10 Major Auto Insurance Providers in Virginia Beach Ranked by Customer Service
- Mercury Insurance
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Top 10 Major Auto Insurance Providers in Virginia Beach Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- AAA Insurance
- Titan Insurance
The illustration below shows how choosing a deductible can raise or lower insurance costs when trying to find cheap insurance for a GMC Sierra. The data is based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
As shown above, a 50-year-old driver could lower their car insurance rates by $246 a year by changing from a $100 deductible to a $500 deductible, or save $370 by changing to a $1,000 deductible. Youthful drivers, like the 20-year-old, could lower their rates up to $606 or more by using higher deductibles when buying full coverage. When raising deductibles, it will be necessary to have enough savings set aside to be able to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Safe drivers pay less for car insurance
The ideal way to maintain good car insurance premiums in Virginia Beach for a Sierra pickup is to drive cautiously and avoid accidents and keep your driving record clean. The information below shows how speeding tickets and fender-benders can increase insurance prices for each age group. The data is based on a married male driver, full coverage, $1,000 deductibles, and no other discounts are factored in.
The data in the chart shows the average cost of car insurance per year with no accidents and a clean driving record is $1,092. Get written up for one speeding ticket and the average cost surges to $1,257, an increase of $165 each year. Next add two accidents along with the one speeding ticket and the yearly cost of car insurance for a GMC Sierra jumps again to an average of $2,803. That’s an increase of $1,711, or $143 per month, just for being a little careless behind the wheel!
Why you should be shopping around
Virginia car insurance rates are impacted by many things that may substantially change the price you pay. Simply improving your credit, becoming a homeowner, or getting a ticket for careless driving may generate price changes that can cause some rates to be cheaper than before.
Not only may your situation change, but insurers change the rates they charge in Virginia multiple times each year in order to protect their financial rating. Significantly higher claims may result in additional price hikes, while lower claims can produce lower-cost Sierra insurance rates.
To help illustrate this point, the graph below shows which company has the cheapest car insurance in Virginia Beach, VA for a 45-year-old female driver with a clean driving record, no accidents, and good credit. When quoting prices based on her current risk profile, Travelers might quote the lowest car insurance rates in Virginia Beach at $807 a year. This is $351 less than the average policy premium paid by Virginia drivers of $1,158. USAA, Penn National, Cincinnati Insurance, and Auto-Owners are also on the list of the best Virginia Beach, VA auto insurance companies.
The example below compares rates after we give the driver from the above example a claim, a lower credit score, and a speeding ticket. Since each company has their own formula for determining rates in each state, comparing quotes may now result in a completely different list of companies as shown below.
The Hartford now has the cheapest price in Virginia Beach with Erie, Virginia Farm Bureau, Donegal Mutual, and Nationwide completing the list. This example shows why it is important to compare many different companies to find the lowest car insurance quotes for a GMC Sierra. Auto insurance prices can be altered by many things and can decrease or increase without notice, so the most economical option six months ago may now be costing you a lot of money.
The agencies below are a good start to provide answers to your questions and help you determine which coverages are best, since some drivers have questions and prefer to have a little guidance when buying car insurance for a GMC Sierra. It can be difficult to do it yourself, and getting professional guidance from a licensed agent can bring peace of mind knowing your policy gives you suitable coverage if you ever need to use it.
To locate a Virginia Beach car insurance agency using an interactive map, click the link at the bottom or click here to get price quotes now.
Al Taxter – State Farm Insurance Agent
6070 Indian River Rd #104 – Virginia Beach, VA 23464 – (757) 420-2575
Insurance Strategies – The Cooksey Agency
780 Lynnhaven Pkwy #400 – Virginia Beach, VA 23452 – (757) 819-6896
Paula Rosati – State Farm Insurance Agent
4221 Pleasant Valley Rd #108 – Virginia Beach, VA 23464 – (757) 467-4300
How to find budget-friendly car insurance for a GMC Sierra
Below you’ll find a few penny-pinching solutions that can help Virginia Beach drivers get more affordable coverage.
- Higher credit scores may earn you cheaper rates
- Do not get traffic tickets
- Raise your deductibles
- Bundle car and home insurance and save money
- Avoid price increases by not filing claims
- Accidents can significantly increase rates
- Compare rates and switch if you can find a better deal
The last tip in the list is highly significant, as was discussed in this article. Insurance rates can be changed at any time, so don’t be unwilling to buy from a new company if a cheaper rate is available.
Many consumers stick with the same company and that’s fine, but it’s not a good idea if that loyalty results in overpaying thousands of dollars over the life of your policy. It only takes a couple minutes to shop around and find cheaper car insurance for a GMC Sierra in Virginia Beach.