Are you sick of overpaying and want low-cost GMC Sierra insurance in Austin? Searching for the cheapest insurance for a GMC Sierra in Texas can turn out to be an all-consuming task, but you can learn our auto insurance buying tips and make it easy.
There are more efficient ways to shop for auto insurance so we’re going to tell you the proper way to price shop coverage for your GMC and get the best price possible from both online companies and Austin agents.
It’s important to take a look at other company’s rates before your policy renews because rates are rarely the same from one policy term to another. Despite the fact that you may have had the lowest rate on GMC Sierra insurance in Austin at your last renewal there may be better deals available now. Ignore everything you know about auto insurance because you’re about to learn one of the quickest ways to save money, get proper coverage and the best rates.
Comparing quotes for affordable auto insurance in Austin is actually quite simple. If you are already insured or are just looking to switch companies, you will benefit by learning to shop for the lowest rates without having to cut coverage. Comparison shoppers just have to learn the most efficient way to compare prices online.
Take policy discounts and save on GMC Sierra insurance in Austin
Companies that sell car insurance don’t always publicize all discounts very clearly, so the below list has a few of the more well known as well as some of the hidden discounts you could be receiving when you buy Austin car insurance online.
- Driver’s Ed – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in school or through a local driver safety program.
- Waiver for an Accident – Not really a discount, but companies like Allstate and Progressive will let one accident slide without getting socked with a rate hike so long as you are claim-free prior to the accident.
- Organization Discounts – Belonging to qualifying clubs or civic groups can get you a small discount on your bill.
- Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you can avoid monthly service charges.
- New Car Discount – Buying a new car model may earn a small discount because new model year vehicles keep occupants safer.
- E-sign Discounts – A few larger online companies may give you up to $50 shop Austin car insurance online.
- Discount for Life Insurance – If the company offers life insurance, you could get a discount if you purchase life insurance from them.
- Resident Student – Children who are enrolled in a college that is more than 100 miles from Austin and do not take a car to college could qualify for this discount.
- Government Employee Discount – Active or retired federal employment could qualify for a slight premium decrease with some auto insurance companies.
Discounts reduce rates, but you should keep in mind that most discount credits are not given to all coverage premiums. Some only apply to the cost of specific coverages such as collision or personal injury protection. Even though the math looks like you would end up receiving a 100% discount, nobody gets a free ride. Any amount of discount will definitely reduce the premium cost.
Popular auto insurance companies and some of the discounts can be read below.
- State Farm may offer discounts for Steer Clear safe driver discount, anti-theft, good driver, accident-free, student away at school, and defensive driving training.
- Progressive offers discounts including good student, homeowner, online quote discount, continuous coverage, online signing, multi-policy, and multi-vehicle.
- Travelers includes discounts for student away at school, hybrid/electric vehicle, multi-car, good student, and IntelliDrive.
- American Family may include discounts for defensive driver, early bird, air bags, TimeAway discount, and good student.
- Liberty Mutual policyholders can earn discounts including new vehicle discount, multi-car, newly married, newly retired, and preferred payment discount.
Before buying, ask all companies you are considering how many discounts you can get. Some of the earlier mentioned discounts may not be available everywhere. If you would like to choose from a list of insurance companies with the best GMC Sierra insurance discounts in Texas, click this link.
The quickest method to compare policy rates for GMC Sierra insurance in Austin is to take advantage of the fact most of the bigger providers provide online access to quote your coverage. The one thing you need to do is provide a little information including driver ages, whether you are married, which vehicles you own, and whether the vehicles are used for commuting. That rating information is sent automatically to many highly-rated insurers and you should receive rate quotes instantly to find the best rate.
To start a rate quote now, click here and enter the information requested.
The providers in the list below are our best choices to provide quotes in Austin, TX. If multiple providers are shown, we suggest you get prices from several of them to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra SLE Regular Cab 2WD | $256 | $504 | $366 | $22 | $110 | $1,258 | $105 |
| Sierra SL Extended Cab 2WD | $186 | $340 | $366 | $22 | $110 | $1,024 | $85 |
| Sierra SLE Crew Cab 2WD | $254 | $512 | $430 | $26 | $128 | $1,350 | $113 |
| Sierra SL Crew Cab 2WD | $176 | $360 | $430 | $26 | $128 | $1,120 | $93 |
| Sierra SLE Crew Cab 2WD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Sierra SLE Regular Cab 4WD | $422 | $698 | $500 | $30 | $150 | $1,800 | $150 |
| Sierra SLE Extended Cab 4WD | $362 | $802 | $462 | $28 | $138 | $1,792 | $149 |
| Sierra SLE Crew Cab 4WD | $318 | $718 | $430 | $26 | $128 | $1,620 | $135 |
| Sierra SLT Extended Cab 2WD | $262 | $462 | $388 | $24 | $116 | $1,252 | $104 |
| Sierra SL Crew Cab 4WD | $332 | $584 | $382 | $22 | $114 | $1,434 | $120 |
| Sierra SLT Extended Cab 4WD | $234 | $368 | $500 | $30 | $150 | $1,282 | $107 |
| Sierra SLT Crew Cab 2WD | $200 | $360 | $388 | $24 | $116 | $1,088 | $91 |
| Sierra SLT Crew Cab 4WD | $470 | $804 | $500 | $30 | $150 | $1,954 | $163 |
| Sierra Denali Crew Cab 2WD | $258 | $532 | $400 | $24 | $120 | $1,334 | $111 |
| Sierra Denali Crew Cab 4WD | $220 | $478 | $496 | $30 | $148 | $1,372 | $114 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can alter coverage prices significantly.
Price comparison of only insuring for liability
The illustration below shows the difference between GMC Sierra auto insurance costs with and without full coverage. The premium estimates are based on no claims or driving citations, $250 deductibles, single male driver, and no discounts are applied to the premium.
When to switch to liability coverage only
There is no definitive guideline that is best for determining when to drop physical damage insurance, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.
For example, let’s say your GMC Sierra claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $7,000 after the deductible is paid. If it’s costing you more than $700 a year for physical damage coverage, then it might be time to consider dropping full coverage.
There are some circumstances where buying only liability insurance is not financially feasible. If you still have a lienholder on your title, you are required to maintain full coverage as part of the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.
Higher deductibles save money
The hardest decision when buying coverage is what deductibles to buy. The following insurance rates show how much more you’ll pay when you select higher and lower comp and collision deductibles. The first price estimate table uses a $250 deductible and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra SLE Regular Cab 2WD | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Sierra SL Extended Cab 2WD | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Sierra SLE Crew Cab 2WD | $294 | $496 | $382 | $22 | $114 | $1,333 | $111 |
| Sierra SL Crew Cab 2WD | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Sierra SLE Crew Cab 2WD | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Sierra SLE Regular Cab 4WD | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Sierra SLE Extended Cab 4WD | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Sierra SLE Crew Cab 4WD | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Sierra SLT Extended Cab 2WD | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Sierra SL Crew Cab 4WD | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Sierra SLT Extended Cab 4WD | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Sierra SLT Crew Cab 2WD | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Sierra SLT Crew Cab 4WD | $370 | $672 | $382 | $22 | $114 | $1,585 | $132 |
| Sierra Denali Crew Cab 2WD | $370 | $672 | $382 | $22 | $114 | $1,585 | $132 |
| Sierra Denali Crew Cab 4WD | $370 | $672 | $382 | $22 | $114 | $1,585 | $132 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra SLE Regular Cab 2WD | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Sierra SL Extended Cab 2WD | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Sierra SLE Crew Cab 2WD | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Sierra SL Crew Cab 2WD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Sierra SLE Crew Cab 2WD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Sierra SLE Regular Cab 4WD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Sierra SLE Extended Cab 4WD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Sierra SLE Crew Cab 4WD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Sierra SLT Extended Cab 2WD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Sierra SL Crew Cab 4WD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Sierra SLT Extended Cab 4WD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Sierra SLT Crew Cab 2WD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Sierra SLT Crew Cab 4WD | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
| Sierra Denali Crew Cab 2WD | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
| Sierra Denali Crew Cab 4WD | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rate information does not factor in garaging location in Austin which can change premiums significantly.
We can estimate from the data above that using a $250 deductible costs an average of $17 more each month or $204 every year than opting for the higher $500 deductible. Because you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally go at a minimum 15 months between claims, you would save more money if you opt for a higher deductible.
Rate comparison of men versus women
The chart below visualizes the comparison of GMC Sierra insurance costs for male and female drivers. Data assumes no claims or driving citations, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are applied to the premium.
When should I discuss my situation with an agent?
When it comes to insurance from an agent or online for your vehicles, there really isn’t a single plan that fits everyone. Every situation is different.
For instance, these questions could help you determine if you could use an agent’s help.
- Why is insurance for a teen driver so high in Austin?
- What if an uninsured driver hits me?
- How does medical payments coverage work?
- Is there coverage for my trailer?
- Why am I required to get a high-risk car insurance policy?
- Should I rate my GMC Sierra as pleasure use or commute?
- Do I need added coverage for expensive stereo equipment?
- Can my teen driver be rated on a liability-only vehicle?
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form. It is quick, free and can help protect your family.
Can’t I compare rate quotes from local Austin car insurance agents?
Many people just prefer to have an agent’s advice and that is not a bad decision Professional agents are trained to spot inefficiencies and help submit paperwork. A good thing about comparing insurance prices online is you may find cheap rate quotes and still buy from a local agent. And buying from small agencies is important particularly in Austin.
After filling out this short form, the quote information is sent to companies in Austin who will give competitive quotes for your insurance coverage. You won’t even need to do any legwork because prices are sent straight to your inbox. If you want to get a rate quote from a particular provider, don’t hesitate to visit that company’s website and give them your coverage information.
Multiple types of auto insurance agents in Austin
If you need to find a reliable agent, it can be helpful to understand the different agency structures and how they are distinctly different. Austin agents are categorized either exclusive or independent agents depending on their company appointments. Either can insure your vehicles, but it’s good to learn the difference in how they write coverage since it may influence which type of agent you select.
Independent Insurance Agencies or Brokers
Independent agencies do not sell for just one brand and that gives them the ability to insure with lots of companies and possibly get better coverage at lower prices. If your agent finds better pricing, they can switch companies in-house without you having to go to a different agency. If you are trying to find cheaper rates, we highly recommend that you include at a minimum one independent agency to have the most options to choose from. Most independent agents also contract with small regional insurance companies that can offer cheaper rates than bigger companies.
Below are Austin independent agents who can help you get free insurance quotes.
- Austin Insurance Group
9705 Burnet Rd #314 – Austin, TX 78758 – (512) 339-2901 – View Map - Danback Insurance Agency
8312 Burnet Rd #115 – Austin, TX 78757 – (512) 454-4567 – View Map - Central Insurance Agency, Inc.
6000 N Lamar Blvd – Austin, TX 78752 – (512) 451-6551 – View Map
Exclusive Agents
These type of agents can usually just insure with one company such as Farmers Insurance, Allstate, or State Farm. They are unable to place coverage with different providers so always compare other rates. Exclusive agents are well trained on their products and sales techniques which helps overcome the inability to quote other rates. Consumers often purchase coverage from exclusives mostly because of the prominent brand name rather than low rates.
Listed below is a list of exclusive insurance agencies in Austin willing to provide price quote information.
- Karen Hall – State Farm Insurance Agent
7004 Bee Cave Rd #3 – Austin, TX 78746 – (512) 327-6200 – View Map - Carmina Eaton – State Farm Insurance Agent
4201 W Parmer Ln b170 – Austin, TX 78727 – (512) 244-6641 – View Map - Greg Pearson – State Farm Insurance Agent
8705 Shoal Creek Blvd #102 – Austin, TX 78757 – (512) 451-0188 – View Map
Finding a good insurance agent needs to be determined by more than just a cheap price. These are some questions your agent should answer.
- Will their companies depreciate repairs to your car based on the mileage?
- Is there a Errors and Omissions policy in force?
- Are they full-time agents?
- In the event of vehicle damage, can you pick the collision repair facility?
- Can you get a list of referrals?
- How many years have they been established?
- If you raise deductibles, how much can you save?
Cover all your bases
More affordable insurance in Austin is attainable both online and with local Austin insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies do not offer online quoting and most of the time these smaller companies sell through independent agents.
You just learned some good ideas how you can shop for GMC Sierra insurance online. The key concept to understand is the more price quotes you have, the better your comparison will be. Drivers may even discover the lowest priced insurance comes from an unexpected company.
Consumers who switch companies do it for a number of reasons such as poor customer service, high prices, extreme rates for teen drivers or even an unsatisfactory settlement offer. Regardless of your reason, finding a new insurance company is easier than you think.
Additional detailed information can be read in the articles below:
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Who Has Cheap Car Insurance for a Ford Fusion in Austin? (FAQ)
- How Much is Austin Auto Insurance for Safe Drivers? (FAQ)
- Who Has Affordable Car Insurance Rates for a Nissan Altima in Austin? (FAQ)
- Who Has Affordable Car Insurance for a Nissan Rogue in Austin? (FAQ)
- Who Has Cheap Auto Insurance for Used Cars in Austin? (FAQ)
- Auto Insurance Learning Center (State Farm)
- Booster Seat Ratings (iihs.org)
- Liability Insurance Coverage (Nationwide)