Best Virginia Beach GMC Sierra Insurance

Smart shoppers know that insurance companies want to keep you from comparing rates. Consumers who shop around for cheaper rates are highly likely to switch to a new company because there is a high probability of finding lower prices. A recent survey discovered that drivers who compared price quotes annually saved approximately $3,400 over four years as compared to drivers who never shopped around for better prices.

If saving money on GMC Sierra insurance in Virginia Beach is your ultimate objective, knowing how to shop for insurance coverage can help simplify the task of finding more affordable coverage.

Insurance for GMC SierraIt takes a little time, but the best way to find discount GMC Sierra insurance in Virginia Beach is to do an annual price comparison from companies that sell auto insurance in Virginia.

A tip to remember is that you’ll want to compare similar limits and deductibles on every quote and and to get rates from as many companies as you can. Doing this ensures an accurate price comparison and and a good selection of different prices.

How much does GMC Sierra insurance in Virginia Beach, Virginia cost?

Just remember that comparing a large number of companies will enable you to find more affordable rates. Some insurance companies are not set up to provide Virginia Beach Sierra insurance quotes online, so it’s necessary to compare price estimates from the smaller companies as well.

The companies shown below have been selected to offer price quotes in Virginia. To find cheap auto insurance in Virginia Beach, it’s a good idea that you visit two to three different companies to find the cheapest car insurance rates.

Rates and statistics

The information shown below outlines a range of prices for GMC Sierra models. Understanding how auto insurance prices are figured can help customers make informed decisions when comparing rate quotes.


GMC Sierra Insurance Rates in Virginia Beach, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $220 $412 $348 $20 $104 $1,104 $92
Sierra SL Extended Cab 2WD $220 $412 $348 $20 $104 $1,104 $92
Sierra SLE Crew Cab 2WD $220 $412 $348 $20 $104 $1,104 $92
Sierra SL Crew Cab 2WD $250 $486 $348 $20 $104 $1,208 $101
Sierra SLE Crew Cab 2WD $250 $486 $348 $20 $104 $1,208 $101
Sierra SLE Regular Cab 4WD $250 $486 $348 $20 $104 $1,208 $101
Sierra SLE Extended Cab 4WD $250 $486 $348 $20 $104 $1,208 $101
Sierra SLE Crew Cab 4WD $250 $486 $348 $20 $104 $1,208 $101
Sierra SLT Extended Cab 2WD $250 $486 $348 $20 $104 $1,208 $101
Sierra SL Crew Cab 4WD $250 $486 $348 $20 $104 $1,208 $101
Sierra SLT Extended Cab 4WD $250 $486 $348 $20 $104 $1,208 $101
Sierra SLT Crew Cab 2WD $250 $486 $348 $20 $104 $1,208 $101
Sierra SLT Crew Cab 4WD $278 $560 $348 $20 $104 $1,310 $109
Sierra Denali Crew Cab 2WD $278 $560 $348 $20 $104 $1,310 $109
Sierra Denali Crew Cab 4WD $278 $560 $348 $20 $104 $1,310 $109
Get Your Own Custom Quote Go

Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rate quotes do not factor in specific garaging location which can increase or decrease prices significantly.

An analysis of deductible level

One of the more difficult decisions when buying insurance is which deductibles should you choose. The comparison tables below may help to illustrate the premium difference when you choose different physical damage deductibles. The first rate comparisons uses a $100 deductible for physical damage and the second rate chart uses a $500 deductible.


GMC Sierra insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $222 $400 $258 $16 $78 $999 $83
Sierra SL Extended Cab 2WD $222 $400 $258 $16 $78 $999 $83
Sierra SLE Crew Cab 2WD $222 $400 $258 $16 $78 $999 $83
Sierra SL Crew Cab 2WD $250 $472 $258 $16 $78 $1,099 $92
Sierra SLE Crew Cab 2WD $250 $472 $258 $16 $78 $1,099 $92
Sierra SLE Regular Cab 4WD $250 $472 $258 $16 $78 $1,099 $92
Sierra SLE Extended Cab 4WD $250 $472 $258 $16 $78 $1,099 $92
Sierra SLE Crew Cab 4WD $250 $472 $258 $16 $78 $1,099 $92
Sierra SLT Extended Cab 2WD $250 $472 $258 $16 $78 $1,099 $92
Sierra SL Crew Cab 4WD $250 $472 $258 $16 $78 $1,099 $92
Sierra SLT Extended Cab 4WD $250 $472 $258 $16 $78 $1,099 $92
Sierra SLT Crew Cab 2WD $250 $472 $258 $16 $78 $1,099 $92
Sierra SLT Crew Cab 4WD $278 $542 $258 $16 $78 $1,197 $100
Sierra Denali Crew Cab 2WD $278 $542 $258 $16 $78 $1,197 $100
Sierra Denali Crew Cab 4WD $278 $542 $258 $16 $78 $1,197 $100
Get Your Own Custom Quote Go

GMC Sierra insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $162 $270 $258 $16 $78 $784 $65
Sierra SL Extended Cab 2WD $162 $270 $258 $16 $78 $784 $65
Sierra SLE Crew Cab 2WD $162 $270 $258 $16 $78 $784 $65
Sierra SL Crew Cab 2WD $182 $318 $258 $16 $78 $852 $71
Sierra SLE Crew Cab 2WD $182 $318 $258 $16 $78 $852 $71
Sierra SLE Regular Cab 4WD $182 $318 $258 $16 $78 $852 $71
Sierra SLE Extended Cab 4WD $182 $318 $258 $16 $78 $852 $71
Sierra SLE Crew Cab 4WD $182 $318 $258 $16 $78 $852 $71
Sierra SLT Extended Cab 2WD $182 $318 $258 $16 $78 $852 $71
Sierra SL Crew Cab 4WD $182 $318 $258 $16 $78 $852 $71
Sierra SLT Extended Cab 4WD $182 $318 $258 $16 $78 $852 $71
Sierra SLT Crew Cab 2WD $182 $318 $258 $16 $78 $852 $71
Sierra SLT Crew Cab 4WD $204 $366 $258 $16 $78 $922 $77
Sierra Denali Crew Cab 2WD $204 $366 $258 $16 $78 $922 $77
Sierra Denali Crew Cab 4WD $204 $366 $258 $16 $78 $922 $77
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Price information does not factor in the specific area where the vehicle is garaged which can increase or decrease price quotes considerably.

Based on the data above, we can derive that using a $100 deductible will cost you about $21 more each month or $252 a year averaged for all Sierra models than opting for the higher $500 deductible. Because you would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you go at a minimum 19 months between claims, you would probably be better off if you opt for a higher deductible. The numbers below show how you can do this calculation yourself.

Average monthly premium for $100 deductibles: $92
Average monthly premium for $500 deductibles (subtract): – $71
Monthly savings from raising deductible: $21
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $21
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

One big caveat is that a higher deductible level means you will have to pay more when you have a comprehensive or collision claim. You should have some funds available in the event you need to pay the deductible to have repairs made.

The information below illustrates how your choice of deductibles and can increase or decrease GMC Sierra insurance costs for different age groups. The rates are based on a married male driver, full coverage, and no discounts are applied.

Responsible drivers pay cheaper Virginia Beach insurance rates

The illustration below shows how speeding tickets and at-fault accidents raise GMC Sierra insurance costs for different age categories. The premiums are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.

Get cheaper GMC Sierra insurance rates in Virginia Beach

Insurance can be prohibitively expensive, but companies offer discounts that you may not know about. Larger premium reductions will be automatically applied at the time of purchase, but lesser-known reductions have to be asked about in order for you to get them.Auto insurance discounts

Drivers should understand that most discount credits are not given to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

The diagram below shows the comparison of GMC Sierra auto insurance rates with and without discounts applied to the premium. The information is based on a male driver, no claims or driving violations, Virginia state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-car, multi-policy, homeowner, and claim-free discounts applied.

Popular auto insurance companies and some of their more popular discounts can be read below.

If you want affordable Virginia Beach auto insurance quotes, ask each company which discounts you qualify for. Some of the discounts discussed earlier might not apply in your state. If you would like to choose from a list of insurance companies that offer discounts in Virginia Beach, click this link.

Why you need to buy auto insurance

Despite the high insurance cost for a GMC Sierra in Virginia Beach, maintaining insurance is most likely required but also gives you several important benefits.

The benefits of having insurance are definitely more than the cost, especially for larger claims. As of last year, the average driver in Virginia is overpaying more than $800 each year so shop around once a year at a minimum to save money.

Insurance agents can help

Always remember that when buying coverage for your vehicles, there isn’t really a single plan that fits everyone. Your financial needs are unique.Drive safe and save

For instance, these questions may help you determine whether or not you might need professional guidance.

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Neighborhood Virginia Beach auto insurance agents

Some consumers still prefer to get professional advice from a licensed agent and doing that can be a smart decision One of the best bonuses of price shopping on the web is you may find better rates but still work with a licensed agent.

Find insurance agent in Virginia BeachBy using this quick form, the coverage information is sent to local insurance agents in Virginia Beach that give free quotes for your coverage. There is no reason to even leave your home since rate quotes are delivered to you directly. It’s the lowest rates without the usual hassles of price shopping. If you wish to get a comparison quote from a particular provider, you just need to search and find their rate quote page and complete a quote there.

Picking an insurance company shouldn’t rely on just the bottom line cost. Any good agent in Virginia Beach should know the answers to these questions.

Different types of Virginia Beach car insurance agents

When finding a reliable insurance agent, it’s important to understand the types of agencies to choose from. Insurance agencies in Virginia Beach can be described as either exclusive or independent agents depending on their company appointments.

Exclusive Agents

Agents that choose to be exclusive can only place business with one company such as Allstate and State Farm. Exclusive agencies are unable to shop your coverage around so they have to upsell other benefits. These agents are trained well on sales techniques and that enables them to sell even at higher rates.

The following are Virginia Beach exclusive insurance agents that are able to give comparison quotes.


700 Independence BlvdVirginia Beach, VA 23455(757) 499-0550View Map


1485 General Booth Blvd ste. 114Virginia Beach, VA 23454(757) 499-0559View Map


Shopping Ctr Ste 103, 979 Chimney Hill PkwyVirginia Beach, VA 23452(757) 463-2400View Map

View more Virginia Beach agents

Independent Agencies or Brokers

Independent agents are not limited to a single company and that enables them to quote your coverage with lots of companies and possibly get better coverage at lower prices. To move your coverage to a new company, the agent simply finds a different carrier which is easy for the insured. When comparing car insurance rates, it’s recommended you get insurance quotes from a couple of independent agencies to ensure the widest selection of prices.

Listed below is a list of independent insurance agents in Virginia Beach that can give you price quotes.


800 Seahawk Cir #142Virginia Beach, VA 23452(757) 437-9647View Map


2433 N Landing RdVirginia Beach, VA 23456(757) 301-6397View Map


1248 Culver LnVirginia Beach, VA 23454(757) 426-2664View Map

View more Virginia Beach agents

After you get good responses for all questions you ask as well as the cheapest GMC Sierra insurance in Virginia Beach quotes, it’s a good possibility that you have found an insurance agent that can be trusted to service your policy. Just be aware that you are able to cancel your coverage any time you want so don’t think that you’re stuck with any specific company with no way to switch.