Finding the cheapest car insurance for a GMC Sierra in Nebraska is dependent upon many rating factors such as whether the vehicle is new, your address, and if you have tickets or violations. Nebraska drivers will pay on average $995 each year for Sierra insurance, but that is a valuation based on a 50-year-old married female driver with both comprehensive and collision coverage and $100 deductibles.
This brings up the issue that more than likely you may not be 50 years old (or even female), single instead of married, or maybe you need higher liability limits than the state minimum. Having different needs demonstrates why the only way to find the most affordable coverage for your GMC is to do the rate comparisons yourself.
The trim level of your vehicle can impact price, so the rate you pay to insure a Sierra SLE Regular Cab 2WD trim level will be $190 cheaper than the cost to insure the fancier Sierra Denali Crew Cab 4WD trim level, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra SLE Regular Cab 2WD||$198||$386||$282||$16||$84||$966||$81|
|Sierra SL Extended Cab 2WD||$198||$386||$282||$16||$84||$966||$81|
|Sierra SLE Crew Cab 2WD||$198||$386||$282||$16||$84||$966||$81|
|Sierra SL Crew Cab 2WD||$224||$456||$282||$16||$84||$1,062||$89|
|Sierra SLE Crew Cab 2WD||$224||$456||$282||$16||$84||$1,062||$89|
|Sierra SLE Regular Cab 4WD||$224||$456||$282||$16||$84||$1,062||$89|
|Sierra SLE Extended Cab 4WD||$224||$456||$282||$16||$84||$1,062||$89|
|Sierra SLE Crew Cab 4WD||$224||$456||$282||$16||$84||$1,062||$89|
|Sierra SLT Extended Cab 2WD||$224||$456||$282||$16||$84||$1,062||$89|
|Sierra SL Crew Cab 4WD||$224||$456||$282||$16||$84||$1,062||$89|
|Sierra SLT Extended Cab 4WD||$224||$456||$282||$16||$84||$1,062||$89|
|Sierra SLT Crew Cab 2WD||$224||$456||$282||$16||$84||$1,062||$89|
|Sierra SLT Crew Cab 4WD||$250||$524||$282||$16||$84||$1,156||$96|
|Sierra Denali Crew Cab 2WD||$250||$524||$282||$16||$84||$1,156||$96|
|Sierra Denali Crew Cab 4WD||$250||$524||$282||$16||$84||$1,156||$96|
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Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Information does not factor in specific location which can alter rates considerably.
Deciding which company quotes the cheapest auto insurance rates for a GMC Sierra requires more time in order to find the lowest price. Each insurer has their own unique process to determine rates, so let’s examine the most affordable auto insurance companies in Nebraska.
Cheapest Insurance Rates for Your Truck
|Rank||Company||Cost Per Year|
|5||Farmers Mutual of Nebraska||$979|
|7||Farm Bureau Mutual||$1,020|
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Safeco may offer some of the best car insurance rates in Lincoln at around $780 a year. This is $536 less than the average premium paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska would also be considered some of the more affordable Lincoln, NE car insurance companies.
As the rates illustrate above, if you buy coverage from Auto-Owners and switched to Safeco, you might realize annual savings of in the neighborhood of $125. Drivers with Allied might save as much as $141 a year, and Farmers Mutual of Nebraska policyholders might reduce rates by $199 a year.
Remember that these policy prices are averaged for all types of insureds and vehicles and are not factoring in a vehicle location for a GMC Sierra. So the car insurance company that can offer you the best price may not even be in the list above. That helps illustrate why you need to quote rates from many companies using your own personalized driver profile and vehicle information.
Types of discounts on Lincoln auto insurance
Insurance companies that provide coverage for a GMC Sierra may also provide rate discounts that may potentially lower prices by as much as 30% if you meet the requirements. The best auto insurance companies and their possible discounts are included below.
- Progressive may have discounts that include good student, online signing, multi-policy, homeowner, continuous coverage, and multi-vehicle.
- GEICO may include discounts for five-year accident-free, multi-policy, federal employee, military active duty, and good student.
- State Farm has savings for student away at school, multiple autos, defensive driving training, driver’s education, and Steer Clear safe driver discount.
- Esurance includes discounts for paid-in-full, multi-car, anti-lock brakes, defensive driver, good student, anti-theft, and renters.
- The Hartford policyholders can earn discounts including good student, vehicle fuel type, driver training, air bag, anti-theft, and bundle.
The information below illustrates the difference between insurance costs with and without discounts. The data is based on a female driver, no violations or claims, Nebraska state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with vehicle safety, defensive driving course, claim-free, multiple vehicle, safe-driver, and marriage discounts applied. When these discounts are applied, theamount saved on auto insurance for a GMC Sierra is 28% or $423.
Liability-only versus full coverage
Saving money when shopping for auto insurance is the goal of most people, and one of the fastest ways to pay less for insurance for a GMC Sierra is to not buy comprehensive and collision coverage. The chart below visualizes the comparison of car insurance costs with full coverage and liability only. The costs are based on a clean driving record, no claims, $100 deductibles, single marital status, and no additional discounts are factored in.
If averaged for all ages, physical damage coverage on your policy costs an additional $2,042 per year over having just liability coverage. That raises the question if physical damage coverage is worth the money. There isn’t a written rule to delete physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.
If you prefer to have a professional recommendation when shopping around for cheaper insurance for a GMC Sierra, the insurance agencies listed below are a good start to help you determine which coverages you need.
To locate a Lincoln insurance agent close to you, click the button at the bottom of the list.
MIAA – Midwest Insurance Agency Alliance
6120 Havelock Ave – Lincoln, NE 68507 – (402) 467-5355
916 N 70th St – Lincoln, NE 68505 – (402) 488-5277
Jeff Munns Agency, Inc.
1617 Normandy Ct #102 – Lincoln, NE 68512 – (402) 436-2140
How to find cheaper auto insurance for a GMC Sierra
Lowering your rates is not difficult, and here are many penny-pinching suggestions that can help drivers locate lower-cost coverage.
- Try paying for small claims out-of-pocket
- The safer your car, the less it costs to insure
- At-fault accidents will increase rates
- Buying home and auto together can help save money
- Ensure your driving record is clean
- Ensure you have the best deal by shopping around regularly
The last item on the list is extremely valuable, as we pointed out in this write-up. Prices charged by auto insurers change frequently, so drivers shouldn’t be resistant to switch to a new company if you find a better deal. Many drivers prefer to stick with one company, but it’s not a good idea if your bullheadedness ends up costing you a lot of money. It only take a few minutes to compare rates and find cheaper car insurance for a GMC Sierra in Lincoln.