Who Has the Cheapest Car Insurance for a GMC Sierra in Irvine?

Buying cheaper car insurance for a GMC Sierra hinges on an enormous amount of rating factors such as age of the driver, the size of your vehicle, and whether or not you are a good driver. Drivers in California pay on average $1,054 a year to insure their Sierra, but that figure is an estimate using a 50-year-old married male driver with full coverage and $1,000 deductibles.

There’s a high likelihood you may not be 50 years old (or even male), maybe you are single instead of married, and maybe you want different deductibles. Not everyone needs the same coverages, so the only way to find cheap insurance prices for your GMC is to just take the time to compare rates yourself. It only takes a couple of minutes and you will be able to see rates from some of the best insurers available.

Find Cheaper GMC Sierra Insurance

The trim level of your Sierra will influence price, so the rate you pay to insure a Sierra SLE Regular Cab 2WD model will be $152 lower than the insurance cost for the fancier Sierra Denali Crew Cab 4WD trim level, as shown below.

Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Estimates do not factor in zip code location which can revise coverage prices considerably.

Selecting a high-quality car insurance company can be a challenge considering how many companies there are to choose from in Irvine. The ranking data listed below may help you decide which insurers you want to consider when comparing rate quotes.

The rankings below only include large nationwide companies, so companies that focus mainly on California business are not taken into consideration for these rankings. To compare price quotes from these and other competitive companies, just click here.

Top 10 Major Auto Insurance Companies in Irvine Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. AAA of Southern California
5. Titan Insurance
6. The General
7. AAA Insurance
8. State Farm
9. Mercury Insurance
10. Nationwide

Top 10 Major Auto Insurance Companies in Irvine Ranked by Customer Service

1. AAA of Southern California
2. GEICO
3. State Farm
4. The Hartford
5. Mercury Insurance
6. The General
7. Progressive
8. Allstate
9. AAA Insurance
10. American Family

Liability rates compared to full coverage

Reducing the cost of car insurance is probably important to most vehicle owners, and one easy way to buy cheaper insurance for a GMC Sierra is to not buy comprehensive and collision coverage. The illustration below visualizes the comparison of auto insurance costs with full physical damage coverage compared to only buying liability only. The data assumes no tickets, no at-fault accidents, $100 deductibles, drivers are not married, and no discounts are applied.

As an average for all age groups, full coverage on your policy costs $3,572 per year more than carrying just liability coverage. That brings up the question if buying full coverage is worth the money. There is no written rule to stop paying for comp and collision coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is more than around 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

Get discount Irvine car insurance

Insurers that sell policies for a GMC Sierra may also offer discounts that could reduce prices by as much as 40% or more if you meet certain criteria. Companies and their possible discounts are:

• State Farm may have discounts that include student away at school, Drive Safe & Save, passive restraint, driver’s education, and Steer Clear safe driver discount.
• American Family offers discounts for good driver, Steer into Savings, air bags, accident-free, defensive driver, TimeAway discount, and bundled insurance.
• GEICO has savings for defensive driver, emergency military deployment, multi-policy, air bags, membership and employees, and daytime running lights.
• 21st Century policyholders can earn discounts including 55 and older, defensive driver, early bird, anti-lock brakes, and homeowners.
• Progressive may include discounts for multi-vehicle, online signing, online quote discount, multi-policy, and continuous coverage.

The illustration below shows the comparison of insurance rates with and without discounts applied to the rates. The rate quotes are based on a male driver, no accidents, no driving violations, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with defensive driving course, marriage, vehicle safety, multiple policy, safe-driver, and passive restraint discounts applied. When taking advantage of discounts, theaverage amount saved on car insurance for a GMC Sierra is 28% or $987.

How to find cheaper car insurance for a GMC Sierra

It is possible to find better rates, and here are a few thrifty ideas that can help Irvine drivers quote low-cost coverage.

• Save money by insuring older vehicles for liability only
• Lower rates by purchasing a safer vehicle
• Buying home and auto insurance together can earn discounts
• Clean up your credit
• Discounts for being claim-free can be substantial
• Higher comprehensive and collision coverage deductibles will save money
• Comparison shop at least every other year

That final tip is extraordinarily necessary, as was discussed in the article above. Coverage rates fluctuate constantly, so don’t be hesitant to switch to a new company if a lower-cost policy is available.

We understand brand loyalty, but we do not recommend it if that faithfulness ends up costing you lots of hard earned cash every month. In just a few minutes you could compare rates to find cheaper car insurance for a GMC Sierra in Irvine.

If you wish to have professional advice when comparing insurance rates for a Sierra pickup, the agents below can probably aid you in deciding which coverages are best.

To locate an Irvine insurance agent in your neighborhood, click the button link following the list.

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