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.
It 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.
- First, read about how insurance works and the measures you can take to keep rates down. Many factors that result in higher prices like traffic citations and a less-than-favorable credit rating can be rectified by improving your driving habits or financial responsibility. Continue reading for additional tips to prevent high rates and find missing discounts.
- Second, quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from one company like Progressive and State Farm, while agents who are independent can quote rates for many different companies.
- Third, compare the new rate quotes to the price on your current policy to determine if switching companies saves money. If you can save money and switch companies, ensure coverage does not lapse between policies.
- Fourth, notify your agent or company to cancel the current policy and submit the required down payment along with the signed application for the new policy. Once the application is submitted, put the proof of insurance paperwork with your registration paperwork.
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.
| 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.
| 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 | |||||||
| 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.
- Claim-Free Discount – Claim-free drivers can earn big discounts in comparison with policyholders that have many claims.
- Discount for Swiching Early – A few larger companies give discounts for buying a policy before your current Sierra insurance policy expires. It can save you around 10%.
- Include Life Insurance and Save – Select companies reward you with a discounted price on car insurance if you buy some life insurance too.
- Paper-free Discount – Certain auto insurance companies will give a small break for completing your application on the web.
- Discount for Home Ownership – Just owning your own home can help you save on auto insurance because it requires personal responsibility.
- Good Student – Getting good grades can earn a discount of 20% or more. Most companies allow this discount up until you turn 25.
- Driving Data Discount – Policyholders that allow companies to monitor their driving habits by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if they are good drivers.
- Multiple Cars – Purchasing coverage when you have several vehicles on the same auto insurance policy can reduce rates for all insured vehicles.
- Safe Driver Discount – Insureds without accidents may save up to 50% more as compared to drivers with claims.
- Full Payment Discount – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid the installment charge.
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.
- Progressive may have discounts that include multi-vehicle, homeowner, good student, online signing, online quote discount, and continuous coverage.
- The Hartford may offer discounts for bundle, defensive driver, vehicle fuel type, air bag, driver training, anti-theft, and good student.
- Mercury Insurance policyholders can earn discounts including good driver, annual mileage, good student, type of vehicle, and multi-policy.
- GEICO has discounts for anti-lock brakes, driver training, seat belt use, multi-vehicle, emergency military deployment, five-year accident-free, and membership and employees.
- AAA discounts include AAA membership discount, anti-theft, multi-car, good driver, education and occupation, pay-in-full, and multi-policy.
- State Farm offers discounts for Steer Clear safe driver discount, safe vehicle, Drive Safe & Save, multiple autos, passive restraint, and student away at school.
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.
- Most states have minimum mandated liability insurance limits which means the state requires a minimum amount of liability in order to drive the car legally. In Virginia these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
- If you have a loan on your Sierra, it’s guaranteed your bank will require you to carry insurance to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank may buy a policy for your GMC for a much higher rate and force you to reimburse them for the expensive policy.
- Auto insurance preserves not only your GMC Sierra but also your assets. It also can pay for medical expenses for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if you are sued as the result of your driving. If damage is caused by hail or an accident, your auto insurance policy will pay to have it repaired.
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.
For instance, these questions may help you determine whether or not you might need professional guidance.
- When should my teen driver be added to my policy?
- Where can I get insurance after a DUI in Virginia?
- Does every company file a SR-22 automatically?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Should I buy only the required Virginia minimum liability coverage?
- Is water damage covered by my policy?
- Should I buy additional glass protection?
- Am I covered while delivering pizza?
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.
By 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.
- Which insurance company do they prefer to write with?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Are they able to influence company decisions when a claim is filed?
- Is the agent and/or agency licensed to do business in Virginia?
- Does the company have a local claim office in Virginia Beach?
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.
Tim Johnson – State Farm Insurance Agent
700 Independence Blvd – Virginia Beach, VA 23455 – (757) 499-0550 – View Map
Brett Cambron – State Farm Insurance Agent
1485 General Booth Blvd ste. 114 – Virginia Beach, VA 23454 – (757) 499-0559 – View Map
Michael Weeks – State Farm Insurance Agent
Shopping Ctr Ste 103, 979 Chimney Hill Pkwy – Virginia Beach, VA 23452 – (757) 463-2400 – View 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.
The Coelho insurance agency
800 Seahawk Cir #142 – Virginia Beach, VA 23452 – (757) 437-9647 – View Map
Nicki Kopassis Insurance Agency Inc.
2433 N Landing Rd – Virginia Beach, VA 23456 – (757) 301-6397 – View Map
Bunn Insurance Agency Inc
1248 Culver Ln – Virginia Beach, VA 23454 – (757) 426-2664 – View 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.