Insurance rates GMC Sierra in Overland ParkI can't think of anyone who loves paying for insurance, in particular when they could find better prices if they shop around.

Remarkably, a study showed that most insurance buyers kept their policy with the same company for four years or more, and approximately 38% of consumers have never compared quotes from other companies. Kansas consumers could save up to $800 every year by just shopping around, but they just don't understand the amount of money they would save if they switch to a new company.

Since you have so many choices for buying cheaper insurance for a GMC Sierra in Overland Park, it is very difficult to choose the lowest price insurance provider.

Finding the cheapest auto insurance coverage in Overland Park can initially seem challenging. If you have a current auto insurance policy, you should be able to shop for the lowest rates using the techniques covered below. Although Kansas consumers can benefit by having an understanding of the way companies set your policy premium because rates fluctuate considerably.

The are a couple different ways of comparing rates from different companies. The quickest method to find the cheapest GMC Sierra insurance rates is to perform an online rate comparison.

It's so simple to compare insurance rates online makes it a waste of time to waste gas driving to insurance agents' offices. The ability to get quotes online reduces the need to sit down with an agent unless you have a complicated situation and need the professional guidance only provided by licensed Overland Park agents. Although, it is possible price shop online but have your policy serviced through an agent.

When comparison shopping, comparing more prices will enable you to find a lower rate than you're paying now.

The auto insurance companies shown below have been selected to offer comparison quotes in Kansas. If multiple providers are shown, we recommend you visit several of them to get the best price comparison.

GMC Sierra Insurance Rates in Overland Park, KS
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $274 $548 $386 $22 $116 $1,346 $112
Sierra SL Extended Cab 2WD $132 $230 $292 $18 $88 $760 $63
Sierra SLE Crew Cab 2WD $164 $276 $296 $18 $88 $842 $70
Sierra SL Crew Cab 2WD $278 $524 $286 $16 $86 $1,190 $99
Sierra SLE Crew Cab 2WD $204 $354 $286 $16 $86 $946 $79
Sierra SLE Regular Cab 4WD $174 $348 $300 $18 $90 $930 $78
Sierra SLE Extended Cab 4WD $154 $276 $286 $16 $86 $818 $68
Sierra SLE Crew Cab 4WD $244 $506 $346 $20 $104 $1,220 $102
Sierra SLT Extended Cab 2WD $218 $446 $274 $16 $82 $1,036 $86
Sierra SL Crew Cab 4WD $120 $234 $274 $16 $82 $726 $61
Sierra SLT Extended Cab 4WD $192 $364 $270 $16 $80 $922 $77
Sierra SLT Crew Cab 2WD $132 $284 $324 $20 $96 $856 $71
Sierra SLT Crew Cab 4WD $240 $496 $324 $20 $96 $1,176 $98
Sierra Denali Crew Cab 2WD $240 $522 $324 $20 $96 $1,202 $100
Sierra Denali Crew Cab 4WD $190 $392 $386 $22 $116 $1,106 $92
Get Your Own Custom Quote Go

Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Kansas minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Estimates do not factor in specific Overland Park garaging location which can change rates noticeably.

Rate comparison of full coverage and liability-only

The example below visualizes the comparison of GMC Sierra auto insurance rates with full coverage and liability only. The costs are based on a clean driving record, no at-fault accidents, $1,000 deductibles, single female driver, and no other discounts are factored in.

When to eliminate full coverage

There isn't a steadfast formula of when to exclude comp and collision coverage, but there is a broad guideline. If the annual cost of having full coverage is about 10% or more of any settlement you would receive from your insurance company, 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 deductibles. If your vehicle is severely damaged, you would only receive $8,000 after you pay the deductible. If you are paying over $800 a year for full coverage, then it might be time to buy liability only.

There are some conditions where eliminating full coverage is not recommended. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not buy liability only.

Higher deductibles lower rates

One frequently asked question is which deductibles should you choose. The premium rates below illustrate the price difference when you select higher and lower physical damage coverage deductibles. The first rate comparisons uses a $100 comprehensive and collision deductible and the second rate table uses a $500 deductible.

GMC Sierra insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $246 $446 $286 $16 $86 $1,105 $92
Sierra SL Extended Cab 2WD $246 $446 $286 $16 $86 $1,105 $92
Sierra SLE Crew Cab 2WD $246 $446 $286 $16 $86 $1,105 $92
Sierra SL Crew Cab 2WD $278 $524 $286 $16 $86 $1,215 $101
Sierra SLE Crew Cab 2WD $278 $524 $286 $16 $86 $1,215 $101
Sierra SLE Regular Cab 4WD $278 $524 $286 $16 $86 $1,215 $101
Sierra SLE Extended Cab 4WD $278 $524 $286 $16 $86 $1,215 $101
Sierra SLE Crew Cab 4WD $278 $524 $286 $16 $86 $1,215 $101
Sierra SLT Extended Cab 2WD $278 $524 $286 $16 $86 $1,215 $101
Sierra SL Crew Cab 4WD $278 $524 $286 $16 $86 $1,215 $101
Sierra SLT Extended Cab 4WD $278 $524 $286 $16 $86 $1,215 $101
Sierra SLT Crew Cab 2WD $278 $524 $286 $16 $86 $1,215 $101
Sierra SLT Crew Cab 4WD $310 $604 $286 $16 $86 $1,327 $111
Sierra Denali Crew Cab 2WD $310 $604 $286 $16 $86 $1,327 $111
Sierra Denali Crew Cab 4WD $310 $604 $286 $16 $86 $1,327 $111
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GMC Sierra insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $180 $300 $286 $16 $86 $868 $72
Sierra SL Extended Cab 2WD $180 $300 $286 $16 $86 $868 $72
Sierra SLE Crew Cab 2WD $180 $300 $286 $16 $86 $868 $72
Sierra SL Crew Cab 2WD $204 $354 $286 $16 $86 $946 $79
Sierra SLE Crew Cab 2WD $204 $354 $286 $16 $86 $946 $79
Sierra SLE Regular Cab 4WD $204 $354 $286 $16 $86 $946 $79
Sierra SLE Extended Cab 4WD $204 $354 $286 $16 $86 $946 $79
Sierra SLE Crew Cab 4WD $204 $354 $286 $16 $86 $946 $79
Sierra SLT Extended Cab 2WD $204 $354 $286 $16 $86 $946 $79
Sierra SL Crew Cab 4WD $204 $354 $286 $16 $86 $946 $79
Sierra SLT Extended Cab 4WD $204 $354 $286 $16 $86 $946 $79
Sierra SLT Crew Cab 2WD $204 $354 $286 $16 $86 $946 $79
Sierra SLT Crew Cab 4WD $226 $408 $286 $16 $86 $1,022 $85
Sierra Denali Crew Cab 2WD $226 $408 $286 $16 $86 $1,022 $85
Sierra Denali Crew Cab 4WD $226 $408 $286 $16 $86 $1,022 $85
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Kansas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Price information does not factor in specific zip code location which can decrease or increase prices greatly.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs approximately $22 more each month or $264 each year than selecting the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you average more than 18 months between claims, you would most likely save money by going with a higher deductible.

Why you need to buy car insurance

Even though Overland Park Sierra insurance rates can get expensive, insuring your vehicle may not be optional for several reasons.

The benefits of insuring your Sierra are without a doubt worth the cost, especially if you ever need it. An average driver in America overpays as much as $825 a year so compare rates at every policy renewal to help ensure money is not being wasted.

Discount Overland Park auto insurance quotes

Auto insurance is not cheap nor is it fun to buy but you may be missing some discounts that many people don't even know exist. Some discounts apply automatically at the time of quoting, but some need to be specifically requested prior to receiving the credit. If you do not double check each discount possible, it's possible you qualify for a lower rate.Cheaper auto insurance with discounts

A little disclaimer on discounts, some credits don't apply to the entire cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think you could get a free auto insurance policy, companies wouldn't make money that way. Any qualifying discounts should definitely cut your overall premium however.

Companies that may have most of the discounts above include:

When getting free Overland Park auto insurance quotes, it's a good idea to each company or agent how you can save money. A few discounts may not apply to policies in your state. To locate companies who offer auto insurance discounts in Kansas, click this link.

Situations that may require an agent's advice

Always remember that when buying your policy for your personal vehicles, there isn't really a one-size-fits-all type of policy. Your needs are unique to you and your auto insurance should unique, too.Auto insurance savings These are some specific questions could help you determine if your situation would benefit from professional advice.

If you're not sure about those questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Insurance agent or online?

Certain consumers just prefer to get professional advice from a licensed agent and there is nothing wrong with that. A good thing about getting online price quotes is you may find the best rates and also buy local.

Find insurance agent in Overland ParkTo make it easy to find an agent, after completing this simple form, your insurance coverage information is transmitted to insurance agents in Overland Park that can provide free Overland Park auto insurance quotes for your insurance coverage. You never need to search for an agent due to the fact that quote results will go to you instantly. You can find lower rates and an insurance agent to talk to. In the event you want to compare rates from a specific insurance company, don't hesitate to go to their quote page and submit a quote form there.

Selecting a insurance company shouldn't rely on just the bottom line cost. Here are some questions to ask:

After receiving good answers to any questions you may have and an acceptable price quote, you may have just found an provider that meets the criteria to service your policy.

Car insurance coverage information

Knowing the specifics of insurance aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are the usual coverages available from insurance companies.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as hospital visits, pain medications, surgery and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle's occupants and also any damage incurred to your GMC Sierra.

Since many Kansas drivers only purchase the least amount of liability that is required (Kansas limits are 25/50/10), their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Liability car insurance

Liability insurance will cover damage that occurs to people or other property in an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/10 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $10,000 of coverage for damaged property.

Liability coverage pays for things like funeral expenses, court costs and structural damage. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible. Kansas state law requires minimum liability limits of 25/50/10 but it's recommended drivers buy more coverage.

Collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sideswiping another vehicle, driving through your garage door, scraping a guard rail, crashing into a building and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible on your Sierra to bring the cost down.

Comprehensive insurance

This pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like fire damage, hitting a bird, rock chips in glass, hail damage and hitting a deer. The maximum amount you'll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

A little work can save a LOT of money

Some insurance providers do not offer online rate quotes and most of the time these smaller providers provide coverage only through independent agents. Cheap GMC Sierra insurance in Overland Park can be purchased on the web and from local insurance agents, so you should compare both to get a complete price analysis.

When trying to cut insurance costs, make sure you don't sacrifice coverage to reduce premiums. There have been many cases where an insured dropped physical damage coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to buy a smart amount of coverage at the best possible price but still have enough coverage for asset protection.

Additional car insurance information is available below: