We don’t have to point out that fact that insurance companies don’t want their customers to go rate shopping. Insureds who shop around for cheaper rates are inclined to switch insurance companies because of the high probability of finding a policy with better rates. A recent insurance study discovered that consumers who compared prices once a year saved an average of $865 annually compared to other drivers who never shopped around.
If finding low prices for GMC Sierra 3500HD insurance in Detroit is your ultimate goal, understanding how to find and compare coverage rates can save time and money.
If saving the most money is your goal, then the best way to find affordable GMC Sierra 3500HD insurance is to start doing an annual price comparison from insurance carriers in Detroit.
- Get an understanding of how companies set rates and the measures you can take to keep rates in check. Many rating factors that cause high rates like at-fault accidents, speeding tickets, and poor credit history can be eliminated by making minor changes to your lifestyle. Keep reading for more details to help prevent expensive coverage and find missing discounts.
- Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from a single company like Progressive or Farmers Insurance, while independent agents can give you price quotes for a wide range of insurance providers.
- Compare the new quotes to your existing rates to see if switching to a new carrier will save money. If you find a better price and change companies, make sure coverage is continuous and does not lapse.
- Give notification to your current company to cancel your current policy. Submit a signed application and payment to your new insurance company. Don’t forget to place the new certificate of insurance with your vehicle’s registration.
A tip to remember is that you’ll want to compare the same coverage limits and deductibles on every quote request and and to get rate quotes from as many auto insurance providers as possible. This guarantees a level playing field and maximum price selection.
Buying the cheapest auto insurance in Detroit is not rocket science. If you’re already insured, you will definitely be able to get lower rates using these tips. Vehicle owners just have to understand the proper methods to compare insurance rates instantly.
Getting a cheaper price on GMC Sierra 3500HD insurance doesn’t have to be difficult. The only thing you need to do is take a few minutes comparing rate quotes from different insurance companies.
The following companies provide free quotes in Detroit, MI. To get cheap car insurance in MI, we suggest you compare several of them to find the most competitive car insurance rates.
Premium rates and analysis
The table below highlights detailed analysis of prices for GMC Sierra 3500HD models. Having a better understanding of how auto insurance prices are determined can help drivers make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 3500HD SLE Regular Cab 2WD | $378 | $614 | $712 | $42 | $212 | $1,958 | $163 |
| Sierra 3500HD SLE Regular Cab 4WD | $378 | $706 | $890 | $52 | $266 | $2,292 | $191 |
| Sierra 3500HD SLE Crew Cab 2WD | $378 | $614 | $712 | $42 | $212 | $1,958 | $163 |
| Sierra 3500HD SLE Extended Cab 2WD | $378 | $614 | $712 | $42 | $212 | $1,958 | $163 |
| Sierra 3500HD SLE Extended Cab 4WD | $378 | $706 | $890 | $52 | $266 | $2,292 | $191 |
| Sierra 3500HD SLE Crew Cab 4WD | $378 | $706 | $890 | $52 | $266 | $2,292 | $191 |
| Sierra 3500HD SLT Extended Cab 2WD | $378 | $614 | $712 | $42 | $212 | $1,958 | $163 |
| Sierra 3500HD SLT Crew Cab 4WD | $378 | $706 | $890 | $52 | $266 | $2,292 | $191 |
| Sierra 3500HD SLT Extended Cab 4WD | $378 | $706 | $890 | $52 | $266 | $2,292 | $191 |
| Sierra 3500HD SLT Crew Cab 2WD | $416 | $706 | $712 | $42 | $212 | $2,088 | $174 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Michigan minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Prices do not factor in garaging location in Detroit which can increase or decrease coverage prices greatly.
Higher deductibles lower rates
One common question asked by Detroit drivers is how low should you set your deductibles. The comparisons below determine the differences in premium rates of buying low and high deductibles. The first set of rates uses a $250 deductible for comp and collision and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 3500HD SLE Regular Cab 2WD | $670 | $1060 | $690 | $40 | $206 | $2,691 | $224 |
| Sierra 3500HD SLE Regular Cab 4WD | $670 | $1220 | $864 | $52 | $258 | $3,089 | $257 |
| Sierra 3500HD SLE Crew Cab 2WD | $670 | $1060 | $690 | $40 | $206 | $2,691 | $224 |
| Sierra 3500HD SLE Extended Cab 2WD | $670 | $1060 | $690 | $40 | $206 | $2,691 | $224 |
| Sierra 3500HD SLE Extended Cab 4WD | $670 | $1220 | $864 | $52 | $258 | $3,089 | $257 |
| Sierra 3500HD SLE Crew Cab 4WD | $670 | $1220 | $864 | $52 | $258 | $3,089 | $257 |
| Sierra 3500HD SLT Extended Cab 2WD | $670 | $1060 | $690 | $40 | $206 | $2,691 | $224 |
| Sierra 3500HD SLT Crew Cab 4WD | $670 | $1220 | $864 | $52 | $258 | $3,089 | $257 |
| Sierra 3500HD SLT Extended Cab 4WD | $670 | $1220 | $864 | $52 | $258 | $3,089 | $257 |
| Sierra 3500HD SLT Crew Cab 2WD | $740 | $1220 | $690 | $40 | $206 | $2,921 | $243 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 3500HD SLE Regular Cab 2WD | $546 | $854 | $690 | $40 | $206 | $2,336 | $195 |
| Sierra 3500HD SLE Regular Cab 4WD | $546 | $984 | $864 | $52 | $258 | $2,704 | $225 |
| Sierra 3500HD SLE Crew Cab 2WD | $546 | $854 | $690 | $40 | $206 | $2,336 | $195 |
| Sierra 3500HD SLE Extended Cab 2WD | $546 | $854 | $690 | $40 | $206 | $2,336 | $195 |
| Sierra 3500HD SLE Extended Cab 4WD | $546 | $984 | $864 | $52 | $258 | $2,704 | $225 |
| Sierra 3500HD SLE Crew Cab 4WD | $546 | $984 | $864 | $52 | $258 | $2,704 | $225 |
| Sierra 3500HD SLT Extended Cab 2WD | $546 | $854 | $690 | $40 | $206 | $2,336 | $195 |
| Sierra 3500HD SLT Crew Cab 4WD | $546 | $984 | $864 | $52 | $258 | $2,704 | $225 |
| Sierra 3500HD SLT Extended Cab 4WD | $546 | $984 | $864 | $52 | $258 | $2,704 | $225 |
| Sierra 3500HD SLT Crew Cab 2WD | $602 | $984 | $690 | $40 | $206 | $2,522 | $210 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Michigan minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Table data does not factor in specific location which can influence premiums noticeably.
Based on the above data, using a $250 deductible costs approximately $30 more each month or $360 for a full year across all GMC Sierra 3500HD models than choosing the higher $500 deductible. Since you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 8 months between claim filings, you would come out ahead if you choose a higher deductible. The table below illustrates an example of how you can perform this determination yourself.
| Average monthly premium for $250 deductibles: | $242 |
| Average monthly premium for $500 deductibles (subtract): | – $212 |
| Monthly savings from raising deductible: | $30 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $30 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 8 months |
An important sidenote is that increasing deductibles to lower your rates means you will have to pay more out-of-pocket when you have a physical damage claim. You need enough disposable income in the event you have to pay the deductible.
Cheap Detroit auto insurance rates with discounts
Companies do not list every discount they offer very well, so the list below details a few of the more common and also the more inconspicuous auto insurance savings. If you’re not getting every credit available, you could be saving more on your auto insurance.
- Multi-car Discount – Buying insurance for several vehicles with the same auto insurance company qualifies for this discount.
- Bundle and Save – When you combine your auto and homeowners insurance with one company they may give you a discount of 10% to 20% off each policy.
- Save over 55 – Mature drivers can get a small discount on rates.
- Discount for Good Grades – Being a good student can earn a discount of 20% or more. This discount can apply up until you turn 25.
- Defensive Driver Discount – Taking time to complete a course teaching driver safety skills could possibly earn you a 5% discount and make you a better driver.
- Own a Home – Being a homeowner can save a few bucks since owning and maintaining a home is proof that your finances are in order.
- Online Discount – Some of the larger companies may give you up to $50 for buying your policy over the internet.
- Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you can avoid monthly service charges.
- Good Driver Discounts – Drivers without accidents can get discounts for up to 45% lower rates than drivers with accidents.
- Theft Deterrent System – Cars, trucks, and SUVs optioned with advanced anti-theft systems help deter theft and therefore earn up to a 10% discount.
A little note about advertised discounts, some credits don’t apply to the entire policy premium. Most only cut individual premiums such as collision or personal injury protection. Even though the math looks like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.
The illustration below compares GMC Sierra 3500HD insurance costs with and without some available policy discounts. The data is based on a female driver, no violations or accidents, Michigan state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, multi-policy, homeowner, claim-free, and safe-driver discounts applied.
A few popular companies and a selection of discounts are shown below.
- GEICO discounts include multi-policy, multi-vehicle, military active duty, driver training, federal employee, air bags, and five-year accident-free.
- Travelers may have discounts that include IntelliDrive, continuous insurance, multi-car, save driver, driver training, student away at school, and multi-policy.
- Nationwide includes discounts for easy pay, accident-free, Farm Bureau membership, multi-policy, good student, anti-theft, and business or organization.
- Farmers Insurance policyholders can earn discounts including youthful driver, teen driver, multi-car, early shopping, mature driver, switch companies, and homeowner.
- Esurance has savings for defensive driver, good driver, online quote, Pac-12 alumni, and safety device.
- State Farm offers discounts for driver’s education, good driver, student away at school, multiple policy, and good student.
- Progressive may include discounts for online quote discount, multi-vehicle, multi-policy, continuous coverage, online signing, and good student.
- Mercury Insurance offers discounts including age of vehicle, good driver, annual mileage, multi-policy, and multi-car.
When getting free Detroit car insurance quotes, it’s a good idea to each company what discounts are available to you. Discounts may not apply to policies in Detroit. To choose companies that offer many of these discounts in Michigan, click this link.
Auto insurance just makes sense
Even though it’s not necessarily cheap to insure a GMC in Detroit, auto insurance may be required and benefits you in several ways.
First, almost all states have compulsory liability insurance requirements which means the state requires a specific level of liability insurance coverage in order to drive the car legally. In Michigan these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you bought your Sierra 3500HD with a loan, it’s guaranteed your bank will force you to have comprehensive coverage to guarantee payment of the loan. If you let the policy lapse, the lender will be forced to insure your GMC at a much higher premium rate and force you to pay for it.
Third, auto insurance protects not only your car but also your financial assets. Insurance will pay for most medical and hospital costs for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if someone files suit against you as the result of an accident. If your GMC gets damaged, your policy will pay to repair the damage.
The benefits of insuring your Sierra 3500HD are definitely more than the cost, particularly for liability claims. Today the average American driver is overpaying more than $700 annually so compare quotes from several companies each time the policy renews to help ensure money is not being wasted.
Don’t assume everyone needs the same insurance coverage
Always remember that when buying a policy, there really is no best way to insure your cars. Everyone’s situation is unique.
These are some specific questions could help you determine whether your personal situation might need an agent’s assistance.
- What is GAP insurance?
- Is motorclub coverage worth it?
- Is there coverage for my trailer?
- Does my medical payments coverage pay my health insurance deductible?
- Should I buy only the required Michigan minimum liability coverage?
- Is a blown tire covered by insurance?
- How can I force my company to pay a claim?
- Do all my vehicles need collision coverage?
- Am I covered if I wreck a rental car?
If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form. It only takes a few minutes and you can get the answers you need.
Car insurance quotes from local neighborhood Detroit car insurance agents
A lot of people just prefer to have an agent’s advice and that is recommended in a lot of cases Most agents can make sure you are properly covered and help file insurance claims. An additional benefit of price shopping on the web is you can get lower prices and still have an agent to talk to.
To make it easy to find an agent, after completing this short form, your coverage information gets sent to local insurance agents who will give competitive quotes for your insurance coverage. You won’t even need to search for an agent due to the fact that quote results will go to the email address you provide. If you want to compare prices from a specific company, you can always jump over to their website to submit a rate quote request.
Finding the right insurer is decision based upon more than just a cheap quote. Here are some questions you should ask.
- Who is covered by the car insurance policy?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- How much can you save by raising your physical damage deductibles?
- Can you choose the body shop in case repairs are needed?
- Is auto insurance their primary focus in Detroit?
- Is the coverage adequate for your vehicle?
- Is there a Errors and Omissions policy in force?
When researching a reputable agency, it can be helpful to understand the types of insurance agents and how they are slightly different. Agents in Detroit are classified as either independent agents or exclusive agents. Both sell car insurance policies, but it’s important to point out the difference between them since it may influence the selection process.
Exclusive Agencies
Agents that choose to be exclusive write business for a single company and some examples include AAA, State Farm, Farmers Insurance, and Allstate. They are unable to provide rate quotes from other companies so always compare other rates. Exclusive agents are usually quite knowledgeable on their company’s products and that can be a competitive advantage. Drivers often choose to use a exclusive agent partially due to the prominent brand name instead of buying on price only.
Listed below are exclusive agents in Detroit who can help you get comparison quotes.
- State Farm – Eric Huffman
3031 W Grand Blvd #568 – Detroit, MI 48202 – (313) 875-3172 – View Map - Kenya Wells – State Farm Insurance Agent
20021 Kelly Rd – Detroit, MI 48225 – (313) 822-5948 – View Map - Tony Massey – State Farm Insurance Agent
15 E Kirby St #112 – Detroit, MI 48202 – (313) 873-3334 – View Map
Independent Agents
Agents of this type often have many company appointments so as a result can place your coverage with any number of different companies and find the cheapest car insurance rates. To move your coverage to a new company, they simply switch companies in-house which requires no work on your part.
If you need lower rates, we highly recommend that you include a few independent agents in order to compare the most rates. Many write coverage with different regional companies that many times have cheaper rates.
The following is a list of independent agencies in Detroit who can help you get comparison quotes.
- Look Insurance Detroit Southwest Agency
6724 Michigan Ave – Detroit, MI 48210 – (313) 899-3194 – View Map - Titan Insurance
3144 Woods Cir Dr – Detroit, MI 48207 – (313) 974-7085 – View Map - J Healan Baker Insurance
645 Griswold St # 2015 – Detroit, MI 48226 – (313) 963-0480 – View Map