How long has it been since you compared quotes for more affordable GMC Sierra insurance in Boston? Wish you could get out of high-priced GMC Sierra insurance in Boston? You’re in good company because there are many Boston consumers feeling the pinch from expensive insurance.
A recent NerdWallet.com study revealed that a large majority of consumers have bought insurance from the same company for a minimum of four years, and just under half have never compared rate quotes at all. Most drivers in Massachusetts can cut their rates by $590 a year just by getting comparison quotes, but they just don’t want to find cheap rates by getting comparison quotes.
Steps to finding affordable GMC Sierra insurance in Boston
Really, the only way to get the cheapest car insurance rates is to compare prices once a year from companies that insure vehicles in Boston.
First, get an understanding of how insurance works and the things you can control to keep rates low. Many factors that cause rate increases such as careless driving and a not-so-good credit history can be amended by making minor changes to your lifestyle. This article provides more ideas to help prevent expensive coverage and find overlooked discounts.
Second, request rate estimates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO and Allstate, while agents who are independent can give you price quotes from many different companies. View rates
Third, compare the new quotes to your current policy premium to determine if switching companies saves money. If you can save some money, ensure there is no coverage lapse between policies.
A valuable tip to remember is to use the same deductibles and limits on each quote and and to look at every insurance company. Doing this enables a fair rate comparison and the best rate selection.
Insurance companies such as Progressive, GEICO and Farmers Insurance persitently shower you with ad campaigns and it is challenging if not impossible to see past the corporate glitz and take the time to shop coverage around.
Consumers should take time to do price comparisons quite often since insurance prices are adjusted regularly by insurance companies. Even if you think you had the best deal on GMC Sierra insurance in Boston a year ago the chances are good that you can find a lower rate today. You can find a lot of information about Sierra insurance on the web, but I’m going to show you some good information on how to quit paying high insurance rates in Boston.
The quickest method to compare rates for GMC Sierra insurance in Boston is to know all the major auto insurance companies provide online access to give free rates quotes. The only thing you need to do is provide a little information such as whether or not you need a SR-22, if the car is leased, how many miles driven, and the ages of drivers. That rating information gets transmitted to insurance companies and they return cost estimate almost instantly.
If you would like to start a quote now, click here and enter your zip code.
The companies shown below have been selected to offer free rate quotes in Boston, MA. If you want the best car insurance in Massachusetts, we recommend you visit as many as you can to find the most affordable car insurance rates.
Why you need Sierra insurance in Massachusetts
Despite the fact that insurance is not cheap in Boston, insurance may be required and benefits you in several ways.
- Just about all states have minimum liability requirements which means state laws require specific minimum amounts of liability insurance coverage if you want to drive legally. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a loan on your GMC, more than likely the lender will stipulate that you have comprehensive coverage to protect their interest in the vehicle. If coverage lapses or is canceled, the bank will be required to insure your GMC at a much higher rate and require you to fork over for the expensive policy.
- Insurance protects both your assets and your vehicle. Insurance will pay for all forms of medical expenses incurred in an accident. Liability coverage, the one required by state law, also covers legal expenses if you cause an accident and are sued. If damage is caused by hail or an accident, your insurance policy will cover the damage repairs after a deductible is paid.
The benefits of insuring your car definitely exceed the cost, especially with large liability claims. In a recent study of 1,000 drivers, the average customer is overpaying over $855 a year so shop around once a year at a minimum to save money.
Analysis of coverages
The premium information shown next outlines estimates of coverage prices for GMC Sierra models. Having a better idea how insurance prices are calculated can be useful when making informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra SLE Regular Cab 2WD | $320 | $638 | $452 | $26 | $136 | $1,572 | $131 |
| Sierra SL Extended Cab 2WD | $320 | $638 | $452 | $26 | $136 | $1,572 | $131 |
| Sierra SLE Crew Cab 2WD | $320 | $638 | $452 | $26 | $136 | $1,572 | $131 |
| Sierra SL Crew Cab 2WD | $360 | $752 | $452 | $26 | $136 | $1,726 | $144 |
| Sierra SLE Crew Cab 2WD | $360 | $752 | $452 | $26 | $136 | $1,726 | $144 |
| Sierra SLE Regular Cab 4WD | $360 | $752 | $452 | $26 | $136 | $1,726 | $144 |
| Sierra SLE Extended Cab 4WD | $360 | $752 | $452 | $26 | $136 | $1,726 | $144 |
| Sierra SLE Crew Cab 4WD | $360 | $752 | $452 | $26 | $136 | $1,726 | $144 |
| Sierra SLT Extended Cab 2WD | $360 | $752 | $452 | $26 | $136 | $1,726 | $144 |
| Sierra SL Crew Cab 4WD | $360 | $752 | $452 | $26 | $136 | $1,726 | $144 |
| Sierra SLT Extended Cab 4WD | $360 | $752 | $452 | $26 | $136 | $1,726 | $144 |
| Sierra SLT Crew Cab 2WD | $360 | $752 | $452 | $26 | $136 | $1,726 | $144 |
| Sierra SLT Crew Cab 4WD | $402 | $866 | $452 | $26 | $136 | $1,882 | $157 |
| Sierra Denali Crew Cab 2WD | $402 | $866 | $452 | $26 | $136 | $1,882 | $157 |
| Sierra Denali Crew Cab 4WD | $402 | $866 | $452 | $26 | $136 | $1,882 | $157 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Prices do not factor in specific location which can modify premiums greatly.
Higher deductibles lower rates
One of the more difficult decisions when buying auto insurance is where should you set your physical damage deductibles. The following insurance rates determine how much more you’ll pay when you choose different policy deductibles. The first rate comparisons uses a $100 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra SLE Regular Cab 2WD | $288 | $520 | $334 | $20 | $100 | $1,287 | $107 |
| Sierra SL Extended Cab 2WD | $288 | $520 | $334 | $20 | $100 | $1,287 | $107 |
| Sierra SLE Crew Cab 2WD | $288 | $520 | $334 | $20 | $100 | $1,287 | $107 |
| Sierra SL Crew Cab 2WD | $324 | $612 | $334 | $20 | $100 | $1,415 | $118 |
| Sierra SLE Crew Cab 2WD | $324 | $612 | $334 | $20 | $100 | $1,415 | $118 |
| Sierra SLE Regular Cab 4WD | $324 | $612 | $334 | $20 | $100 | $1,415 | $118 |
| Sierra SLE Extended Cab 4WD | $324 | $612 | $334 | $20 | $100 | $1,415 | $118 |
| Sierra SLE Crew Cab 4WD | $324 | $612 | $334 | $20 | $100 | $1,415 | $118 |
| Sierra SLT Extended Cab 2WD | $324 | $612 | $334 | $20 | $100 | $1,415 | $118 |
| Sierra SL Crew Cab 4WD | $324 | $612 | $334 | $20 | $100 | $1,415 | $118 |
| Sierra SLT Extended Cab 4WD | $324 | $612 | $334 | $20 | $100 | $1,415 | $118 |
| Sierra SLT Crew Cab 2WD | $324 | $612 | $334 | $20 | $100 | $1,415 | $118 |
| Sierra SLT Crew Cab 4WD | $362 | $704 | $334 | $20 | $100 | $1,545 | $129 |
| Sierra Denali Crew Cab 2WD | $362 | $704 | $334 | $20 | $100 | $1,545 | $129 |
| Sierra Denali Crew Cab 4WD | $362 | $704 | $334 | $20 | $100 | $1,545 | $129 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra SLE Regular Cab 2WD | $160 | $274 | $334 | $20 | $100 | $888 | $74 |
| Sierra SL Extended Cab 2WD | $160 | $274 | $334 | $20 | $100 | $888 | $74 |
| Sierra SLE Crew Cab 2WD | $160 | $274 | $334 | $20 | $100 | $888 | $74 |
| Sierra SL Crew Cab 2WD | $180 | $322 | $334 | $20 | $100 | $956 | $80 |
| Sierra SLE Crew Cab 2WD | $180 | $322 | $334 | $20 | $100 | $956 | $80 |
| Sierra SLE Regular Cab 4WD | $180 | $322 | $334 | $20 | $100 | $956 | $80 |
| Sierra SLE Extended Cab 4WD | $180 | $322 | $334 | $20 | $100 | $956 | $80 |
| Sierra SLE Crew Cab 4WD | $180 | $322 | $334 | $20 | $100 | $956 | $80 |
| Sierra SLT Extended Cab 2WD | $180 | $322 | $334 | $20 | $100 | $956 | $80 |
| Sierra SL Crew Cab 4WD | $180 | $322 | $334 | $20 | $100 | $956 | $80 |
| Sierra SLT Extended Cab 4WD | $180 | $322 | $334 | $20 | $100 | $956 | $80 |
| Sierra SLT Crew Cab 2WD | $180 | $322 | $334 | $20 | $100 | $956 | $80 |
| Sierra SLT Crew Cab 4WD | $200 | $372 | $334 | $20 | $100 | $1,026 | $86 |
| Sierra Denali Crew Cab 2WD | $200 | $372 | $334 | $20 | $100 | $1,026 | $86 |
| Sierra Denali Crew Cab 4WD | $200 | $372 | $334 | $20 | $100 | $1,026 | $86 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Price estimates do not factor in vehicle garaging location which can revise premium rates substantially.
We can derive from the above data that using a $100 deductible costs about $38 more each month or $456 a year averaged for all Sierra models than selecting the higher $1,000 deductible. Since you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 24 months between claims, you would save money by selecting a higher deductible.
The information below demonstrates how choosing different deductibles and can affect GMC Sierra premium costs for different age categories. The rates are based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.
Annual premiums comparing men and women
The example below shows the comparison of GMC Sierra insurance prices for male and female drivers. The prices are based on no driving violations, no at-fault accidents, full coverage, $1,000 deductibles, marital status is single, and no discounts are factored in.
Cost difference between full coverage and liability
The illustration below illustrates the difference between GMC Sierra premium costs when comparing full coverage to liability only. The premiums are based on no accidents, no driving violations, $250 deductibles, drivers are not married, and no other discounts are factored in.
Are you wasting money on full coverage?
There is no definitive rule for dropping physical damage coverage on your policy, but there is a general convention. If the annual cost of having full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.
For example, let’s pretend your GMC Sierra replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $8,000 after paying your policy deductible. If it’s costing you more than $800 annually to have full coverage, then it might be time to consider dropping full coverage.
There are some situations where dropping full coverage is not a good plan. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not drop full coverage.
Auto insurance discounts help lower rates for GMC Sierra insurance in Boston
Auto insurance can be pricey, but you may be missing some discounts that you may not even be aware of. Some trigger automatically when you purchase, but some discounts are required to be specially asked for before being credited.
- Driver Education Discount – Cut your cost by having your teen driver participate in a local driver’s education class in school or through a local driver safety program.
- Federal Employees – Having worked for a branch of the government can earn a discount up to 10% depending on your company.
- Discounts for Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save a little off the personal injury premium cost.
- No Charge for an Accident – Not necessarily a discount, but companies like Allstate and State Farm will forgive one accident without getting socked with a rate hike so long as you haven’t had any claims prior to being involved in the accident.
- Discounts for New Vehicles – Buying auto insurance coverage on a new vehicle can get you a discount since newer vehicles are generally safer.
- Discount for Home Ownership – Owning a home in Boston may earn you a small savings because it demonstrates responsibility.
- Organization Discounts – Being a member of certain professional organizations can get you a small discount on your next auto insurance statement.
- Discounts for Cautious Drivers – Safe drivers can pay as much as 50% less than drivers with accident claims.
- College Student – Youth drivers living away from Boston attending college and won’t have access to an insured vehicle may qualify for this discount.
Don’t be shocked that most of the big mark downs will not be given to your bottom line cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, companies wouldn’t make money that way. But any discount should help lower the amount you pay for coverage.
The diagram below visualizes the comparison of GMC Sierra insurance premiums with and without discounts applied to the rates. The data is based on a female driver, a clean driving record, no at-fault accidents, Massachusetts state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, multi-car, claim-free, and multi-policy discounts applied.
Auto insurance companies that may include these benefits may include but are not limited to:
- GEICO
- Mercury Insurance
- Farmers Insurance
- Auto-Owners Insurance
- Liberty Mutual
- SAFECO
- Progressive
- USAA
Before buying, ask every company which discounts you qualify for. Some discounts may not be offered in your state. If you would like to see a list of insurance companies who offer free GMC Sierra insurance quotes in Boston, click here to view.
Compare rates but buy from a neighborhood Boston auto insurance agent
Some people still prefer to buy from a local agent and that is a personal choice. Professional agents can point out coverage gaps and will help you if you have claims. An additional benefit of getting online price quotes is that you can obtain cheap rate quotes and still have an agent to talk to.
For easy comparison, once you complete this form (opens in new window), your insurance coverage information is transmitted to companies in Boston who can give free rate quotes to get your business. It makes it easy because there is no need to contact an agency as quotes are delivered directly to you. In the event you want to get a comparison quote from a specific insurance company, you just need to jump over to their website and fill out the quote form the provide.
Finding a good insurance company needs to be determined by more than just a cheap quote. Any good agent in Boston should know the answers to these questions.
- Are they full-time agents?
- Is there a 24/7 contact number?
- What discounts might you be missing?
- Are they able to provide referrals?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- How long have they worked with personal auto insurance coverage?
The difference between Boston car insurance agents
If you are wanting to find an insurance agent, it helps to know the two different types of agencies that you can select. Agents can be described as either independent agents or exclusive agents depending on their employer. Both can do a good job, but it’s a good idea to understand the subtle differences because it can influence which type of agent you select.
Exclusive Insurance Agencies
Exclusive agencies can only provide pricing for a single company and examples are State Farm, AAA, and Liberty Mutual. These agents are not able to provide other company’s prices so they are skilled at selling on more than just price. They are very knowledgeable on the products they sell which aids in selling service over price.
Shown below is a short list of exclusive agents in Boston that are able to give price quote information.
AAA Boston
125 High St – Boston, MA 02110 – (617) 443-9300 – View Map
Allstate Insurance: Abner Joseph
571 Dudley St Ste A – Boston, MA 02125 – (617) 442-9490 – View Map
Independent Insurance Agents
Independent agencies are appointed with more than one company and that allows them to write policies through many companies depending on which coverage is best. If they find a lower price, they simply move your policy to a different company which is easy for the insured. When comparison shopping, you will definitely want to get rate quotes from multiple independent agents to have the most options to choose from.
Listed below is a short list of independent agencies in Boston that can give you price quote information.
Richard Soohoo Insurance
1148 Washington St – Boston, MA 02118 – (617) 338-8168 – View Map
State Fund Insurance
#1601, 100 Summer St – Boston, MA 02110 – (617) 956-9999 – View Map
Merrimack Valley Insurance Agency Inc
655 Boston Rd #1a – Billerica, MA 01821 – (978) 330-6985 – View Map
How to find a good Boston auto insurance company
Insuring your vehicle with the top car insurance provider can be difficult considering how many different companies there are to choose from in Massachusetts. The company rank data listed below could help you analyze which insurers to look at purchasing a policy from.
Top 10 Boston Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- Titan Insurance
- The Hartford
- American Family
- Progressive
- USAA
- Travelers
- State Farm
- GEICO
- Allstate
Cheaper coverage is out there
In this article, we covered many ways to shop for GMC Sierra insurance online. The key concept to understand is the more quotes you get, the better chance you’ll have of finding affordable Boston auto insurance quotes. Consumers could even find that the lowest prices are with an unexpected company. They may cover specific market segments cheaper as compared to the big name companies such as State Farm, GEICO and Nationwide.
While you’re price shopping online, never buy lower coverage limits just to save a few bucks. There have been many situations where an accident victim reduced liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. The aim is to buy enough coverage at a price you can afford, not the least amount of coverage.
How to find the cheapest rates for GMC Sierra insurance in Boston
The best way we recommend to get cheaper car insurance rates in Boston is to start comparing rates regularly from different companies in Massachusetts.
- Take a little time to learn about coverages and the factors you can control to prevent rate increases. Many factors that result in higher rates such as traffic violations, accidents, and a not-so-good credit history can be improved by being financially responsible and driving safely.
- Compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like Progressive or Allstate, while agents who are independent can provide rate quotes from multiple sources.
- Compare the price quotes to your existing policy to determine if switching companies saves money. If you find a lower rate and decide to switch, verify that coverage does not lapse between policies.
One important bit of advice is to make sure you enter identical limits and deductibles on each quote and and to compare as many companies as feasibly possible. Doing this enables an apples-to-apples comparison and the best price quote selection.
Additional car insurance information can be read at these links:
- Understanding Your Insurance Deductible (Insurance Information Institute)
- How Much is Boston Auto Insurance for College Students? (FAQ)
- How Much are Auto Insurance Quotes for a Chevrolet Traverse in Boston? (FAQ)
- Who Has the Cheapest Auto Insurance for a Kia Optima in Boston? (FAQ)
- Who Has Affordable Car Insurance Rates for Postal Workers in Boston? (FAQ)
- Vehicle Insurance in the U.S. (Wikipedia)
- Event Data Recorders FAQ (iihs.org)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Rental Car Insurance Tips (Insurance Information Institute)