If you are new to online price comparisons, by this point your are probably bewildered thanks to all the different types of auto insurance companies that all say they have the best rates for GMC Sierra insurance in Fort Worth.
Statistics show that nearly 70% of customers have been with the same company for four years or more, and approximately 40% of consumers have never compared auto insurance rates at all. With the average auto insurance premium being $2,679, Fort Worth drivers could cut their rates by as much as $1,770 a year just by comparing rates, but most undervalue the big savings they would realize if they just switched companies.
Consumers need to get comparison quotes once or twice a year because prices are adjusted regularly by insurance companies. Just because you had the lowest rate on GMC Sierra insurance in Fort Worth a few years ago a different company probably has better premium rates today. Block out anything you think you know about auto insurance because you’re about to learn how to quote online to find better coverage on GMC Sierra insurance in Fort Worth at a better price.
These discounts can lower your auto insurance rates
Some insurers do not advertise every discount available very well, so the following list contains some of the more common and the harder-to-find credits available to you.
- Discount for Swiching Early – Some larger companies reward drivers for signing up before your current Sierra insurance policy expires. You may see this discount when you get Fort Worth auto insurance quotes online.
- Buy New and Save – Buying coverage on a new vehicle can save you some money compared to insuring an older model.
- Auto/Life Discount – If the company offers life insurance, you could get a discounted price on car insurance if you buy auto and life insurance together.
- No Claim Discounts – Insureds with no claims or accidents can earn big discounts when compared to insureds who have frequent claims or accidents.
- Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt can save a little off the personal injury premium cost.
- Discounts for Responsible Drivers – Safe drivers can get discounts for up to 45% lower rates compared to rates paid by drivers with frequent claims.
- Passive Restraint Discount – Cars that have air bags or motorized seat belts may earn rate discounts as much as 30%.
Please keep in mind that many deductions do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Despite the appearance that having all the discounts means you get insurance for free, it just doesn’t work that way.
The chart below illustrates the comparison of GMC Sierra premium costs with and without discounts applied to the policy rates. The prices are based on a female driver, no claims or violations, Texas state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, claim-free, homeowner, multi-policy, and marriage discounts applied.
Some of the larger companies that may have some of the discounts shown above include:
When getting a coverage quote, ask every company which discounts can lower your rates. Some discounts listed above might not be available to policyholders in Fort Worth.
The are a couple different ways to obtain and compare prices from companies that offer insurance in Texas. The quickest method to compare insurance prices consists of shopping online. When comparison shopping, obtaining a wide range of quotes provides better odds of finding lower pricing.
The providers in the list below provide comparison quotes in Fort Worth, TX. If multiple companies are shown, we suggest you visit two to three different companies in order to find the most affordable rates.
GMC Sierra coverage analysis
The coverage information displayed next outlines estimates of policy rates for GMC Sierra models. Understanding more about how rates are formulated can help you make smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra SLE Regular Cab 2WD | $282 | $580 | $430 | $26 | $128 | $1,446 | $121 |
| Sierra SL Extended Cab 2WD | $282 | $580 | $430 | $26 | $128 | $1,446 | $121 |
| Sierra SLE Crew Cab 2WD | $282 | $580 | $430 | $26 | $128 | $1,446 | $121 |
| Sierra SL Crew Cab 2WD | $318 | $684 | $430 | $26 | $128 | $1,586 | $132 |
| Sierra SLE Crew Cab 2WD | $318 | $684 | $430 | $26 | $128 | $1,586 | $132 |
| Sierra SLE Regular Cab 4WD | $318 | $684 | $430 | $26 | $128 | $1,586 | $132 |
| Sierra SLE Extended Cab 4WD | $318 | $684 | $430 | $26 | $128 | $1,586 | $132 |
| Sierra SLE Crew Cab 4WD | $318 | $684 | $430 | $26 | $128 | $1,586 | $132 |
| Sierra SLT Extended Cab 2WD | $318 | $684 | $430 | $26 | $128 | $1,586 | $132 |
| Sierra SL Crew Cab 4WD | $318 | $684 | $430 | $26 | $128 | $1,586 | $132 |
| Sierra SLT Extended Cab 4WD | $318 | $684 | $430 | $26 | $128 | $1,586 | $132 |
| Sierra SLT Crew Cab 2WD | $318 | $684 | $430 | $26 | $128 | $1,586 | $132 |
| Sierra SLT Crew Cab 4WD | $354 | $788 | $430 | $26 | $128 | $1,726 | $144 |
| Sierra Denali Crew Cab 2WD | $354 | $788 | $430 | $26 | $128 | $1,726 | $144 |
| Sierra Denali Crew Cab 4WD | $354 | $788 | $430 | $26 | $128 | $1,726 | $144 |
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Price estimates do not factor in garaging location in Fort Worth which can revise auto insurance rates significantly.
The illustration below shows how choosing a deductible and can influence GMC Sierra yearly insurance costs for different age groups. The costs are based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.
Car insurance premiums based on gender
The chart below shows the comparison of GMC Sierra annual premium costs for male and female drivers. The prices are based on no violations or accidents, comprehensive and collision coverage, $250 deductibles, marital status is single, and no discounts are factored in.
How much more does full coverage cost in Fort Worth?
The information below shows the difference between GMC Sierra auto insurance costs with liability coverage only compared to full coverage. The data is based on no claims or violations, $1,000 deductibles, single marital status, and no discounts are applied.
Should you be buying full coverage?
There is no exact rule of when to exclude physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
For example, let’s say your GMC Sierra replacement cost is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $8,000 after you pay the deductible. If you are paying in excess of $800 annually to have full coverage, then you might want to consider buying only liability coverage.
There are some circumstances where dropping physical damage coverage is not in your best interest. If you still owe a portion of the original loan, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not buy liability only.
Can’t I compare prices from local Fort Worth auto insurance agents?
Some people just prefer to get professional advice from a licensed agent and there is nothing wrong with that. The best thing about comparing insurance prices online is you may find cheap car insurance quotes and still have an agent to talk to. Buying insurance from local insurance agencies is important especially in Fort Worth.
To help locate an agent, after submitting this form (opens in new window), your information is transmitted to companies in Fort Worth who will give competitive quotes and help you find cheaper coverage. It’s much easier because you don’t need to do any legwork due to the fact that quote results will go to your email. You can most likely find cheaper rates without requiring a lot of work. If you wish to get a comparison quote from a specific company, just visit that company’s website to submit a rate quote request.
Fort Worth car insurance agents are either independent or exclusive
If you want a good Fort Worth insurance agent, you must know there are a couple types of agencies and how they are slightly different. Agents may be either independent or exclusive depending on the company they work for.
Independent Car Insurance Agencies or Brokers
These type of agents are not locked into one company so they can insure your vehicles with multiple insurance companies and get the cheapest rates. To transfer your coverage to a different company, they can switch companies in-house and you won’t have to switch agencies. If you need lower rates, you should always get insurance quotes from several independent agencies to have the most options to choose from. They also have the ability to place coverage with small mutual carriers which can save you money.
Below is a short list of independent agencies in Fort Worth who can help you get price quotes.
- Peter Polinsky Insurance Agency
8751 Camp Bowie W Blvd #124 – Fort Worth, TX 76116 – (817) 560-9400 – View Map - Graham Insurance Group, Inc.
2914 SE Loop 820 – Fort Worth, TX 76140 – (817) 293-0388 – View Map - Main Street Independent Insurance- Tim Linzy, Agent
6300 Ridglea Pl #1115 – Fort Worth, TX 76116 – (817) 380-5597 – View Map
Exclusive Agencies
These type of agents are contracted to one company such as Farmers Insurance and State Farm. These agents are unable to compare other company’s rates so they really need to provide good service. Exclusive agents receive a lot of sales training in insurance sales which helps them compete with independent agents. Consumers often buy from exclusive agents partially due to high brand loyalty rather than low price.
Shown below is a short list of exclusive insurance agents in Fort Worth who can help you get rate quotes.
- State Farm: Steve Gary
4947 S Hulen St – Fort Worth, TX 76132 – (817) 737-8311 – View Map - Vince Adams – State Farm Insurance Agent
5932 River Oaks Blvd – Fort Worth, TX 76114 – (817) 377-3401 – View Map - Sloan Clark – State Farm Insurance Agent
2606 S Cherry Ln – Fort Worth, TX 76116 – (817) 560-3344 – View Map
Choosing an insurance agent shouldn’t rely on just the bottom line cost. Any agent in Fort Worth should be willing to answer these questions.
- What company do they have the most business with?
- If you are a high risk driver, do they have special markets for your coverage?
- Can you choose the body shop in case repairs are needed?
- Do you work with a CSR or direct with the agent?
- Do they have any clout with companies to ensure a fair claim settlement?
- Do they prorate repair cost based on vehicle mileage?
One last note
Consumers switch companies for any number of reasons including high rates after DUI convictions, being labeled a high risk driver, policy cancellation or delays in paying claims. It doesn’t matter what your reason, finding a new company is pretty easy and you might even save some money in the process.
Some companies may not provide rate quotes online and many times these smaller providers sell through local independent agencies. Cheap GMC Sierra insurance in Fort Worth can be found both online as well as from insurance agents, and you need to comparison shop both to have the best rate selection.
In this article, we covered many ideas to shop for GMC Sierra insurance online. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding affordable Fort Worth auto insurance quotes. You may even find the best rates are with a smaller regional carrier.
How to buy discount GMC Sierra insurance in Fort Worth
The recommended way to find the cheapest price for auto insurance rates in Fort Worth is to begin comparing prices regularly from different companies who provide auto insurance in Texas. You can shop around by completing these steps.
- Learn about what is in your policy and the factors you can control to prevent high rates. Many rating factors that result in higher prices such as multiple speeding tickets and a not-so-good credit history can be improved by making minor driving habit or lifestyle changes.
- Request price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like Progressive or Allstate, while agents who are independent can provide price quotes from multiple insurance companies. Compare rates
- Compare the new rates to your current policy premium and determine if cheaper Sierra coverage is available in Fort Worth. If you can save money and buy the policy, ensure there is no coverage lapse between policies.
A good piece of advice is that you’ll want to make sure you compare similar deductibles and liability limits on each quote and and to get quotes from as many different companies as possible. This guarantees the most accurate price comparison and a thorough price selection.
More detailed car insurance information can be found at these sites:
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Who Has Cheap Auto Insurance for Seniors in Fort Worth? (FAQ)
- Coverage Information (Progressive Insurance)
- Side Impact Crash Tests (iihs.org)
- Electronic Stability Control FAQ (iihs.org)