Best Insurance for a GMC Sierra 2500HD in Columbus

Discount GMC Sierra 2500HD insuranceIf you want to save the most money, the best way to find affordable GMC Sierra 2500HD insurance in Columbus is to do an annual price comparison from providers who sell auto insurance in Ohio.

The key aspect of shopping around is to compare the same liability limits and deductibles on each price quote and and to get price estimates from as many companies as feasibly possible. This guarantees an accurate price comparison and a complete price analysis.

Amazingly, a recent study showed that the majority of drivers kept buying from the same company for over three years, and just short of a majority have never even compared rates from other companies. With the average premium in Ohio being $1,340, drivers can cut their rates by nearly $700 a year, but they don’t want to spend time to find cheap insurance by shopping around.

Keep in mind that making a lot of price comparisons helps locate lower pricing.

The companies shown below provide free rate quotes in Columbus, OH. If multiple companies are shown, we suggest you visit as many as you can in order to get a fair rate comparison.

Cheaper rates by earning discounts

Companies that sell car insurance don’t always publicize every discount they offer in an easy-to-find place, so the following is a list of a few of the more well known and also the more inconspicuous credits that may apply to you.Insurance discounts

You can save money using discounts, but many deductions do not apply to all coverage premiums. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like having all the discounts means you get insurance for free, it just doesn’t work that way. Any amount of discount will reduce your policy cost.

The diagram below illustrates the comparison of GMC Sierra 2500HD insurance rates with and without discounts. The premiums are based on a male driver, no accidents, no driving violations, Ohio state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, multi-car, multi-policy, marriage, and claim-free discounts applied.

Larger insurance companies and some of the premium reductions they offer are included below.

If you need lower rates, check with every insurance company which discounts they offer. Some discounts may not apply to policyholders in your state.

GMC Sierra 2500HD insurance coverage information

The coverage table displayed below covers estimates of insurance prices for GMC Sierra 2500HD models. Having knowledge of how insurance policy rates are figured can assist in making smart choices when buying a car insurance policy.

GMC Sierra 2500HD Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra 2500HD SLE Regular Cab 4WD $126 $238 $218 $12 $66 $660 $55
Sierra 2500HD SLE Regular Cab 2WD $126 $238 $246 $14 $74 $698 $58
Sierra 2500HD SLE Crew Cab 4WD $126 $238 $218 $12 $66 $660 $55
Sierra 2500HD SLE Extended Cab 4WD $126 $238 $218 $12 $66 $660 $55
Sierra 2500HD SLE Crew Cab 2WD $126 $274 $246 $14 $74 $734 $61
Sierra 2500HD SLE Extended Cab 2WD $126 $274 $246 $14 $74 $734 $61
Sierra 2500HD SLT Crew Cab 4WD $126 $274 $218 $12 $66 $696 $58
Sierra 2500HD SLT Extended Cab 4WD $126 $274 $218 $12 $66 $696 $58
Sierra 2500HD SLT Extended Cab 2WD $126 $274 $246 $14 $74 $734 $61
Sierra 2500HD SLT Crew Cab 2WD $140 $274 $246 $14 $74 $748 $62
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Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Price estimates do not factor in zip code location which can lower or raise rates considerably.

Analysis of deductible levels

When comparing auto insurance rates, the most common question is how high or low should comp and collision deductibles be. The figures shown below may aid in understanding the rate difference between low and high insurance deductibles. The first rate comparisons uses a $100 deductible and the second set of rates uses a $1,000 deductible.

GMC Sierra 2500HD insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra 2500HD SLE Regular Cab 4WD $220 $416 $226 $14 $68 $969 $81
Sierra 2500HD SLE Regular Cab 2WD $220 $416 $256 $16 $76 $1,009 $84
Sierra 2500HD SLE Crew Cab 4WD $220 $416 $226 $14 $68 $969 $81
Sierra 2500HD SLE Extended Cab 4WD $220 $416 $226 $14 $68 $969 $81
Sierra 2500HD SLE Crew Cab 2WD $220 $478 $256 $16 $76 $1,071 $89
Sierra 2500HD SLE Extended Cab 2WD $220 $478 $256 $16 $76 $1,071 $89
Sierra 2500HD SLT Crew Cab 4WD $220 $478 $226 $14 $68 $1,031 $86
Sierra 2500HD SLT Extended Cab 4WD $220 $478 $226 $14 $68 $1,031 $86
Sierra 2500HD SLT Extended Cab 2WD $220 $478 $256 $16 $76 $1,071 $89
Sierra 2500HD SLT Crew Cab 2WD $246 $478 $256 $16 $76 $1,097 $91
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GMC Sierra 2500HD insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra 2500HD SLE Regular Cab 4WD $122 $220 $226 $14 $68 $650 $54
Sierra 2500HD SLE Regular Cab 2WD $122 $220 $256 $16 $76 $690 $58
Sierra 2500HD SLE Crew Cab 4WD $122 $220 $226 $14 $68 $650 $54
Sierra 2500HD SLE Extended Cab 4WD $122 $220 $226 $14 $68 $650 $54
Sierra 2500HD SLE Crew Cab 2WD $122 $252 $256 $16 $76 $722 $60
Sierra 2500HD SLE Extended Cab 2WD $122 $252 $256 $16 $76 $722 $60
Sierra 2500HD SLT Crew Cab 4WD $122 $252 $226 $14 $68 $682 $57
Sierra 2500HD SLT Extended Cab 4WD $122 $252 $226 $14 $68 $682 $57
Sierra 2500HD SLT Extended Cab 2WD $122 $252 $256 $16 $76 $722 $60
Sierra 2500HD SLT Crew Cab 2WD $136 $252 $256 $16 $76 $736 $61
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Table data does not factor in vehicle garaging location which can modify coverage prices substantially.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you roughly $28 more each month or $336 a year than opting for the higher $1,000 deductible. Because you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 32 months between claims, you would probably save some money if you decide on a higher deductible.

Men versus women drivers and insurance cost

The example below compares GMC Sierra 2500HD auto insurance rates for male and female drivers. The premiums assume no violations or claims, comp and collision included, $100 deductibles, single status, and no other discounts are factored in.

Liability only or full coverage

The illustration below shows the comparison of GMC Sierra 2500HD auto insurance costs with and without physical damage coverage. The information is based on no claims, a clean driving record, $500 deductibles, single status, and no discounts are applied to the premium.

When to stop buying comprehensive and collision coverage

There is no written rule for dropping full coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is more than about 10% of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

For example, let’s pretend your GMC Sierra 2500HD claim settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $2,000 after paying your deductible. If premium cost is more than $200 a year for your policy with full coverage, then it might be time to consider dropping full coverage.

There are some cases where removing full coverage is not a good plan. If you still owe a portion of the original loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

When to contact an insurance agency

Some people would rather sit down and talk to an agent and that is a smart decision A nice benefit of price shopping on the web is the fact that drivers can get better rates and still have a local agent. And providing support for neighborhood agents is important particularly in Columbus.

Columbus insurance agentsBy using this form (opens in new window), the coverage information is submitted to local insurance agents in Columbus that provide free Columbus auto insurance quotes for your insurance coverage. You won’t even need to contact any insurance agencies since price quotes are sent to you directly. You can most likely find cheaper rates without requiring a lot of work. If you want to get a comparison quote from one company in particular, you just need to find their quoting web page to submit a rate quote request.

If you want to buy insurance from a local agent, it can be helpful to understand the types of agencies and how they can write your policy. Agents in Columbus can be categorized as either independent agents or exclusive agents depending on their employer.

Independent Insurance Agents

Agents that elect to be independent are normally appointed by many insurers so they can insure your vehicles with an assortment of companies and find the cheapest insurance rates. If premiums increase, they simply move your policy to a different company and you don’t have to do anything.

When comparison shopping, you need to compare prices from a few independent agents to get the most accurate price comparison.

Listed below is a small list of independent agencies in Columbus that may be able to provide cheap rate quotes.

1000 Georgesville RdColumbus, OH 43228(614) 276-7821View Map

2690 E Main StColumbus, OH 43209(614) 235-5413View Map

4161 N High StColumbus, OH 43214(614) 267-1269View Map

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Exclusive Insurance Agents

Agents in the exclusive channel have only one company to place business with and some examples include State Farm, Allstate, and Farm Bureau. Exclusive agents cannot place coverage with different providers so keep that in mind. Exclusive agents receive a lot of sales training on their company’s products which helps overcome the inability to quote other rates.

Listed below are exclusive agencies in Columbus who can help you get price quotes.

1880 Schrock RdColumbus, OH 43229(614) 890-2886View Map

3468 N High St aColumbus, OH 43214(614) 754-9855View Map

2648 Billingsley RdColumbus, OH 43235(614) 889-1156View Map

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Finding the right insurance agent should include more criteria than just the bottom line cost. You should also get answers to these questions.

After receiving satisfactory answers to these questions as well as a price you’re happy with, most likely you have located an auto insurance agent that meets the requirements to provide insurance coverage.

Do I just need basic coverages?

When choosing the best auto insurance coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect thatHigher deductibles save money
Here are some questions about coverages that might point out if your insurance needs will benefit from professional help.

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. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

How Your Sierra 2500HD Insurance Prices are Determined

Smart consumers have a good feel for the different types of things that help determine the rates you pay for auto insurance. When you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that may result in big savings. Multiple criteria are used when premium rates are determined. Most are fairly basic such as your driving history, but other factors are more transparent like where you live and annual miles driven.

Three good reasons to insure your GMC Sierra 2500HD

Despite the high cost, paying for auto insurance is mandatory in Ohio but it also protects more than you think.

First, most states have minimum mandated liability insurance limits which means you are required to carry a specific level of liability if you want to drive legally. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you took out a loan on your GMC Sierra 2500HD, almost every bank will stipulate that you buy insurance to guarantee payment of the loan. If you let the policy lapse, the bank may insure your GMC at a much higher premium rate and force you to pay a much higher amount than you were paying before.

Third, insurance safeguards not only your GMC but also your assets. It will also cover most medical and hospital costs for yourself as well as anyone injured by you. Liability insurance also covers legal expenses if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay to have it repaired.

The benefits of insuring your Sierra 2500HD greatly outweigh the cost, particularly if you ever have a claim. The average driver in Ohio overpays more than $850 per year so compare rates at least once a year to be sure current rates are still competitive.

Car insurance savings summarized

Throughout this article, we presented some good ideas how to get a better price on GMC Sierra 2500HD insurance in Columbus. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may even be surprised to find that the lowest auto insurance rates are with an unexpected company. They may often insure only within specific states and give better rates than the large multi-state companies such as GEICO and State Farm.

When getting Columbus auto insurance quotes online, make sure you don’t buy poor coverage just to save money. In many cases, an accident victim reduced physical damage coverage and found out when filing a claim that the savings was not a smart move. Your objective should be to get the best coverage possible at the lowest possible cost while still protecting your assets.

Some car insurance companies may not provide the ability to get a quote online and most of the time these regional insurance providers work with independent agencies. Cheaper car insurance in Columbus is possible online in addition to local insurance agencies, and you should compare price quotes from both in order to have the best chance of saving money.

Much more information about car insurance in Ohio is available at the links below