The easiest way to get the cheapest GMC Sierra 3500HD insurance in Tampa is to start doing a yearly price comparison from companies who sell insurance in Florida.
- Step 1: Take a little time to learn about how companies set rates and the modifications you can make to keep rates in check. Many risk factors that drive up the price like inattentive driving and a less-than-favorable credit history can be improved by paying attention to minor details. This article provides the details to help prevent expensive coverage and find hidden discounts.
- Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from one company like GEICO or Allstate, while independent agents can quote prices from multiple sources.
- Step 3: Compare the new rate quotes to your current policy premium to determine if you can save on Sierra 3500HD insurance in Tampa. If you can save some money and make a switch, make sure coverage does not lapse between policies.
- Step 4: Provide notification to your current company to cancel your current car insurance policy and submit payment and a completed application to your new agent or company. Don’t forget to store the certificate verifying proof of insurance in your glove compartment.
The most important part of shopping around is to compare similar coverage information on each quote request and and to get rate quotes from as many companies as you can. This helps ensure a fair rate comparison and a thorough selection of prices.
A study showed that nearly 70% of drivers kept their policy with the same company for more than four years, and nearly the majority have never compared rates with other companies. Tampa insurance shoppers can cut their rates by 55% a year just by comparing rates, but they just assume it takes a lot of time to go online and compare rates.
If you have a current insurance policy, you will most likely be able to reduce premiums using the ideas you’re about to read. Locating affordable protection in Tampa is not that difficult. Nevertheless, Florida drivers must understand the methods companies use to market on the web and use it to your advantage.
The easiest way to get policy rate comparisons for GMC Sierra 3500HD insurance in Tampa utilizes the fact all the major auto insurance companies pay for the opportunity to give you rate quotes. To begin a comparison, all you need to do is provide information such as whether you drive to work or school, if you have a valid license, the make and model of your vehicles, and if it has an alarm system. That rating information is sent automatically to insurance carriers in your area and you get price estimates instantly to find the best rate.
To compare rates for your GMC Sierra 3500HD now, click here and enter the information requested.
The following companies have been selected to offer comparison quotes in Tampa, FL. If multiple companies are listed, we suggest you visit two to three different companies in order to get a fair rate comparison.
Cut your insurance rates with these seven discounts
Some insurers don’t always list every discount available very clearly, so below is a list both well-publicized and also the lesser-known credits available to lower your premiums when you buy Tampa auto insurance online.
- Good Driver Discount – Insureds without accidents can save as much as half off their rates compared to rates paid by drivers with frequent claims.
- Air Bags and Passive Restraints – Factory options such as air bags or automatic seat belts may earn rate discounts up to 30%.
- Mature Driver Discount – Mature drivers are able to get better insurance rates.
- Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. You can use this discount normally well after school through age 25.
- Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
- Paperwork-free – A handful of insurance companies will provide an incentive for completing your application on their website.
- Payment Discounts – By paying your policy upfront rather than paying in monthly installments you can avoid monthly service charges.
We need to note that most discount credits are not given to the entire policy premium. Most only cut specific coverage prices like medical payments or collision. So even though you would think you would end up receiving a 100% discount, insurance companies aren’t that generous.
The information below compares GMC Sierra 3500HD auto insurance rates with and without discounts being applied to the rates. The price estimates are based on a female driver, no tickets, no at-fault accidents, Florida state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, marriage, claim-free, homeowner, and multi-policy discounts applied.
A list of insurance companies and some of their more popular discounts can be read below.
- Farm Bureau may include discounts for multi-policy, 55 and retired, driver training, safe driver, and renewal discount.
- State Farm policyholders can earn discounts including safe vehicle, driver’s education, passive restraint, multiple autos, defensive driving training, and multiple policy.
- Progressive offers premium reductions for homeowner, good student, online signing, online quote discount, multi-vehicle, multi-policy, and continuous coverage.
- Allstate may offer discounts for good student, farm vehicle, FullPay discount, early signing, anti-lock brakes, and teenSMART discount.
- Nationwide offers discounts for Farm Bureau membership, business or organization, defensive driving, family plan, and easy pay.
- MetLife includes discounts for good student, defensive driver, accident-free, multi-policy, claim-free, and good driver.
If you need lower rates, check with every prospective company which discounts can lower your rates. Some credits might not be available to policyholders in your area. If you would like to choose from a list of insurance companies that offer many of these discounts in Florida, follow this link.
GMC Sierra 3500HD insurance analysis
The data table shown next showcases estimates of insurance premium costs for GMC Sierra 3500HD models. Having a better understanding of how insurance rates are figured is important for you to make decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 3500HD SLE Regular Cab 2WD | $284 | $532 | $472 | $28 | $142 | $1,458 | $122 |
| Sierra 3500HD SLE Regular Cab 4WD | $284 | $612 | $590 | $34 | $176 | $1,696 | $141 |
| Sierra 3500HD SLE Crew Cab 2WD | $284 | $532 | $472 | $28 | $142 | $1,458 | $122 |
| Sierra 3500HD SLE Extended Cab 2WD | $284 | $532 | $472 | $28 | $142 | $1,458 | $122 |
| Sierra 3500HD SLE Extended Cab 4WD | $284 | $612 | $590 | $34 | $176 | $1,696 | $141 |
| Sierra 3500HD SLE Crew Cab 4WD | $284 | $612 | $590 | $34 | $176 | $1,696 | $141 |
| Sierra 3500HD SLT Extended Cab 2WD | $284 | $532 | $472 | $28 | $142 | $1,458 | $122 |
| Sierra 3500HD SLT Crew Cab 4WD | $284 | $612 | $590 | $34 | $176 | $1,696 | $141 |
| Sierra 3500HD SLT Extended Cab 4WD | $284 | $612 | $590 | $34 | $176 | $1,696 | $141 |
| Sierra 3500HD SLT Crew Cab 2WD | $312 | $612 | $472 | $28 | $142 | $1,566 | $131 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase coverage rates noticeably.
Rate comparison for different deductibles
When buying auto insurance, a common question is where to set your physical damage deductibles. The following tables may help you to understand the differences in premium rates between high and low policy deductibles. The first set of prices uses a $250 deductible for physical damage and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 3500HD SLE Regular Cab 2WD | $406 | $640 | $418 | $24 | $124 | $1,637 | $136 |
| Sierra 3500HD SLE Regular Cab 4WD | $406 | $736 | $522 | $30 | $156 | $1,875 | $156 |
| Sierra 3500HD SLE Crew Cab 2WD | $406 | $640 | $418 | $24 | $124 | $1,637 | $136 |
| Sierra 3500HD SLE Extended Cab 2WD | $406 | $640 | $418 | $24 | $124 | $1,637 | $136 |
| Sierra 3500HD SLE Extended Cab 4WD | $406 | $736 | $522 | $30 | $156 | $1,875 | $156 |
| Sierra 3500HD SLE Crew Cab 4WD | $406 | $736 | $522 | $30 | $156 | $1,875 | $156 |
| Sierra 3500HD SLT Extended Cab 2WD | $406 | $640 | $418 | $24 | $124 | $1,637 | $136 |
| Sierra 3500HD SLT Crew Cab 4WD | $406 | $736 | $522 | $30 | $156 | $1,875 | $156 |
| Sierra 3500HD SLT Extended Cab 4WD | $406 | $736 | $522 | $30 | $156 | $1,875 | $156 |
| Sierra 3500HD SLT Crew Cab 2WD | $446 | $736 | $418 | $24 | $124 | $1,773 | $148 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 3500HD SLE Regular Cab 2WD | $330 | $516 | $418 | $24 | $124 | $1,412 | $118 |
| Sierra 3500HD SLE Regular Cab 4WD | $330 | $594 | $522 | $30 | $156 | $1,632 | $136 |
| Sierra 3500HD SLE Crew Cab 2WD | $330 | $516 | $418 | $24 | $124 | $1,412 | $118 |
| Sierra 3500HD SLE Extended Cab 2WD | $330 | $516 | $418 | $24 | $124 | $1,412 | $118 |
| Sierra 3500HD SLE Extended Cab 4WD | $330 | $594 | $522 | $30 | $156 | $1,632 | $136 |
| Sierra 3500HD SLE Crew Cab 4WD | $330 | $594 | $522 | $30 | $156 | $1,632 | $136 |
| Sierra 3500HD SLT Extended Cab 2WD | $330 | $516 | $418 | $24 | $124 | $1,412 | $118 |
| Sierra 3500HD SLT Crew Cab 4WD | $330 | $594 | $522 | $30 | $156 | $1,632 | $136 |
| Sierra 3500HD SLT Extended Cab 4WD | $330 | $594 | $522 | $30 | $156 | $1,632 | $136 |
| Sierra 3500HD SLT Crew Cab 2WD | $364 | $594 | $418 | $24 | $124 | $1,524 | $127 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can modify auto insurance rates greatly.
We can estimate from the data above that using a $250 deductible could cost the average driver approximately $19 more each month or $228 for a full year averaged for all Sierra 3500HD models than choosing the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to average more than 13 months between claims, you would probably save some money by selecting a higher deductible.
The information below demonstrates how deductibles and can impact GMC Sierra 3500HD annual premium costs for different age categories. The premiums assume a single female driver, full physical damage coverage, and no additional discounts are factored in.
Cost of full coverage in Tampa
The information below illustrates the comparison of GMC Sierra 3500HD premium costs with full physical damage coverage compared to only buying liability only. The premiums are based on no accidents, no driving violations, $250 deductibles, drivers are not married, and no other discounts are factored in.
Should you buy full coverage or liability only?
There is no set guideline of when to drop comprehensive and collision coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is about 10% or more 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 3500HD replacement cost is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $6,000 after the policy deductible has been paid. If you are paying in excess of $600 a year to have full coverage, then you may need to consider dropping full coverage.
There are a few cases where only buying liability is not recommended. If you still have a lienholder on your title, you have to maintain full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not remove full coverage.
Car insurance agents can find coverage gaps
A lot of people just prefer to buy from a local agent and there is nothing wrong with that. The biggest benefit of comparing insurance prices online is the fact that you can find cheaper prices but also keep your business local. Putting coverage with neighborhood insurance agencies is definitely important in Tampa.
Once you complete this simple form, your insurance data is submitted to local insurance agents who want to provide quotes and help you find cheaper coverage. There is no reason to even leave your home due to the fact that quote results will go directly to your email. Get lower rates AND a local agent. If for some reason you want to compare prices for a specific company, feel free to navigate to their website and fill out the quote form the provide.
How to choose the best auto insurance agent in Tampa
If you’re trying to find a reliable insurance agent, it’s helpful to know the types of insurance agents and how they differ in how they quote coverages. Agents in Tampa can be classified as either exclusive or independent agents depending on their company appointments.
Independent Insurance Agents
Agents in the independent channel are not employed by one company so they can write business with any number of different companies depending on which coverage is best. If prices rise, the agent simply finds a different carrier and you can keep the same agent.
If you are trying to find cheaper rates, you definitely need to get several quotes from at a minimum one independent agency for the best price selection. Many can place coverage with additional companies that you may not be familiar with which could offer lower prices.
The following is a small list of independent agencies in Tampa who can help you get pricing information.
- L. Vega Insurance Agency
8019 N Himes Ave #100 – Tampa, FL 33614 – (813) 935-6629 – View Map - Varcas Insurance Agency LLC
1721 W Hillsborough Ave – Tampa, FL 33603 – (813) 319-1940 – View Map - Colucci Insurance
1441 E Fletcher Ave – Tampa, FL 33612 – (813) 972-1947 – View Map
Exclusive Insurance Agents
Agents of this type can only provide pricing for a single company and some examples include Allstate, Farmers Insurance or State Farm. They generally cannot provide prices from multiple companies so they have no alternatives for high prices. Exclusive agents are well trained on what they offer and that allows them to sell at a higher price point. Consumers sometimes buy from exclusive agents mostly because of loyalty to the company and solid financial strength.
Listed below are Tampa exclusive agencies that are able to give price quote information.
- Allstate Insurance: John Fox
4941 E Busch Blvd Ste 150 – Tampa, FL 33617 – (813) 985-3889 – View Map - Pam Williams – State Farm Insurance Agent
10005 Gallant Ln – Tampa, FL 33625 – (813) 963-3216 – View Map - Allstate Insurance: Bruce Kestenbaum
320 E Fletcher Ave – Tampa, FL 33612 – (813) 513-8800 – View Map
Choosing a insurance agent needs to be determined by more than just a cheap quote. Ask your prospective agent these questions:
- Can glass repairs be made at your home?
- Is the agent properly licensed in Florida?
- Will a damage claim use OEM or aftermarket replacement parts?
- Can you contact them at any time?
- Do they make recommendations based only on price?
- Are claims handled at the agent’s location?
After talking to the agent and getting satisfactory answers to these questions and an acceptable price quote, you may have just found an auto insurance agent that can adequately provide insurance. But keep in mind you have the power to cancel a policy any time you want so never assume that you are permanently stuck with any specific agency for the full term.
Three reasons to insure your vehicle
Even though it can be expensive, insurance may not be optional for several reasons.
First, just about all states have mandatory liability insurance requirements which means you are required to buy a specific minimum amount of liability insurance coverage if you want to drive legally. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if your car has a lienholder, more than likely the lender will stipulate that you buy full coverage to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the lender may have to buy a policy to insure your GMC for a much higher rate and require you to reimburse them much more than you were paying before.
Third, insurance protects your vehicle and your assets. Insurance will pay for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. Liability coverage, the one required by state law, will also pay for a defense attorney if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, your insurance policy will pay all costs to repair after the deductible has been paid.
The benefits of having insurance are without a doubt worth the cost, especially with large liability claims. But the average driver in Florida is overpaying over $750 every year so it’s important to compare rates at least once a year to ensure rates are competitive.
What car insurance coverages do you need?
Knowing the specifics of a car insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement.
Med pay and Personal Injury Protection (PIP)
Med pay and PIP coverage provide coverage for bills like X-ray expenses, funeral costs, chiropractic care, EMT expenses and surgery. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
Uninsured/Underinsured Motorist (UM/UIM)
This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law (which is 10/20/10), their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Frequently these limits are set the same as your liability limits.
Auto liability
This protects you from damage that occurs to other’s property or people. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 10/20/10 which stand for $10,000 in coverage for each person’s injuries, a total of $20,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.
Liability insurance covers claims such as structural damage, legal defense fees, court costs, emergency aid and attorney fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible. Florida state minimum liability requirements are 10/20/10 but you should think about purchasing higher limits.
The illustration below demonstrates why low liability limits may not be high enough to cover claims.
Coverage for collisions
Collision insurance pays for damage to your Sierra 3500HD caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims like colliding with another moving vehicle, crashing into a ditch, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible on your Sierra 3500HD in order to get cheaper collision rates.
Comprehensive insurance
Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like damage from getting keyed, hitting a bird, damage from a tornado or hurricane, damage from flooding and vandalism. The most your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Quote often and quote early
Drivers leave their current company for a number of reasons such as denial of a claim, high rates after DUI convictions, delays in responding to claim requests or delays in paying claims. Regardless of your reason, switching auto insurance companies is not as hard as you think.
You just read many ways to save on GMC Sierra 3500HD insurance in Tampa. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may even find the best price on auto insurance is with a small local company.
When shopping online for auto insurance, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced liability limits or collision coverage and learned later that they should have had better coverage. Your objective should be to buy the best coverage you can find at the lowest possible cost while not skimping on critical coverages.
Additional information can be read at the links below
- Drunk Driving Statistics (Insurance Information Institute)
- How Much is Car Insurance for Postal Workers in Tampa? (FAQ)
- Who Has Cheap Auto Insurance Rates After a Speeding Ticket in Tampa? (FAQ)
- Who Has Cheap Auto Insurance for a Jeep Grand Cherokee in Tampa? (FAQ)
- Understanding Limits and Deductibles (Allstate)
- Property Damage Coverage (Liberty Mutual)