How many times have you said it’s time to compare lower-priced GMC Sierra 3500HD insurance in Long Beach? Wish you could get out of overpriced GMC Sierra 3500HD insurance in Long Beach? Say no more because there are a lot of people in Long Beach just like you who feel imprisoned by their car insurance policy.
Sadly, over 70% of consumers kept their coverage with the same car insurance company for over three years, and approximately 40% of consumers have never even compared rates from other companies. Long Beach drivers could save roughly $469 a year just by comparing rates, but they don’t understand how simple it is to shop around. Online insurance companies like State Farm, Farmers Insurance, GEICO and Allstate continually hit you with ads and it can be hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.
You should make it a habit to shop coverage around quite often because car insurance prices go up and down regularly. Even if you got the best price on GMC Sierra 3500HD insurance in Long Beach a few years ago you may be paying too much now. Block out anything you think you know about car insurance because it’s time to teach you one of the quickest ways to reduce your cost while increasing coverage.
All major insurance companies give price estimates on their websites. Comparing prices online for GMC Sierra 3500HD insurance in Long Beach is fairly straightforward because it’s just a matter of typing in your personal and coverage information on the page. After you submit the form their system collects your credit score and driving record and gives you a price quote based on these factors. Quoting online for GMC Sierra 3500HD insurance in Long Beach helps simplify price comparisons, and it’s necessary to get many rate quotes in order to find affordable insurance pricing.
If you want to compare rates using this form now, consider comparing rates from the companies shown below. To compare your current rates, we recommend you replicate your coverages identical to your current policy. Doing this guarantees you will receive comparison quotes based on the exact same insurance coverage.
The companies shown below have been selected to offer price quotes in Long Beach, CA. If you wish to find cheap car insurance in Long Beach, it’s highly recommended you compare several of them to get a more complete price comparison.
Affordable GMC Sierra 3500HD insurance in Long Beach
Car insurance is not cheap, but you may find discounts to help bring down the price. Many discounts should be triggered when you purchase, but some may not be applied and must be asked about prior to getting the savings.
- ABS Brakes – Cars and trucks that have steering control and anti-lock brakes have fewer accidents so you can save 10 percent or more.
- Driving Data Discount – Drivers that enable their insurance company to spy on their driving habits by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates as long as they are good drivers.
- Air Bags and Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may get savings of 20 to 30 percent.
- Accident Forgiveness – Not a discount per se, but certain companies allow you one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
- Professional Memberships – Affiliation with qualifying clubs or civic groups could earn you a nice discount on your next renewal.
- More Vehicles More Savings – Purchasing coverage when you have multiple vehicles with one company can get a discount for every vehicle.
- Military Rewards – Having a family member in the military may qualify for rate reductions.
- Early Switch Discount – Some larger companies reward drivers for switching companies before your current expiration date. You may see this discount when you get Long Beach auto insurance quotes online.
- E-sign – A handful of companies will provide an incentive shop Long Beach auto insurance digitally online.
A little disclaimer on discounts, most credits do not apply to the whole policy. Most only cut the price of certain insurance coverages like liability and collision coverage. Just because you may think it’s possible to get free car insurance, companies wouldn’t make money that way.
The chart below compares GMC Sierra 3500HD yearly insurance costs with and without discounts applied. Data assumes a male driver, no claims or violations, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, marriage, multi-car, and multi-policy discounts applied.
Popular auto insurance companies and a summarized list of policyholder discounts are:
- Progressive may have discounts that include good student, continuous coverage, online quote discount, multi-policy, multi-vehicle, and online signing.
- Farmers Insurance discounts include bundle discounts, switch companies, multi-car, mature driver, business and professional, early shopping, and good student.
- Farm Bureau policyholders can earn discounts including safe driver, renewal discount, youthful driver, driver training, multi-vehicle, and multi-policy.
- State Farm may offer discounts for accident-free, safe vehicle, multiple policy, good student, and Steer Clear safe driver discount.
- GEICO offers premium reductions for defensive driver, daytime running lights, five-year accident-free, military active duty, multi-policy, driver training, and membership and employees.
- SAFECO has savings for bundle discounts, drive less, homeowner, anti-theft, and safe driver.
- Liberty Mutual offers discounts for multi-car, hybrid vehicle, exclusive group savings, good student, new move discount, new vehicle discount, and safety features.
When getting free Long Beach auto insurance quotes, it’s a good idea to all companies you are considering to give you their best rates. Some of the earlier mentioned discounts may not apply in every state. If you would like to see a list of insurance companies that offer some of these discounts in California, follow this link.
Rates and statistics
The information below highlights estimates of insurance premium costs for GMC Sierra 3500HD models. Understanding more about how car insurance prices are calculated can benefit drivers when making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 3500HD SLE Regular Cab 2WD | $258 | $418 | $450 | $26 | $134 | $1,286 | $107 |
| Sierra 3500HD SLE Regular Cab 4WD | $258 | $482 | $564 | $34 | $168 | $1,506 | $126 |
| Sierra 3500HD SLE Crew Cab 2WD | $258 | $418 | $450 | $26 | $134 | $1,286 | $107 |
| Sierra 3500HD SLE Extended Cab 2WD | $258 | $418 | $450 | $26 | $134 | $1,286 | $107 |
| Sierra 3500HD SLE Extended Cab 4WD | $258 | $482 | $564 | $34 | $168 | $1,506 | $126 |
| Sierra 3500HD SLE Crew Cab 4WD | $258 | $482 | $564 | $34 | $168 | $1,506 | $126 |
| Sierra 3500HD SLT Extended Cab 2WD | $258 | $418 | $450 | $26 | $134 | $1,286 | $107 |
| Sierra 3500HD SLT Crew Cab 4WD | $258 | $482 | $564 | $34 | $168 | $1,506 | $126 |
| Sierra 3500HD SLT Extended Cab 4WD | $258 | $482 | $564 | $34 | $168 | $1,506 | $126 |
| Sierra 3500HD SLT Crew Cab 2WD | $284 | $482 | $450 | $26 | $134 | $1,376 | $115 |
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Table data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Information does not factor in specific location information which can revise rates greatly.
Policy deductibles
When comparing car insurance rates, the most common question is how low should you set your deductibles. The tables below may help you to understand how much more you’ll pay between low and high physical damage deductibles. The first rate comparisons uses a $250 physical damage deductible and the second data table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 3500HD SLE Regular Cab 2WD | $430 | $678 | $442 | $26 | $132 | $1,733 | $144 |
| Sierra 3500HD SLE Regular Cab 4WD | $430 | $780 | $552 | $32 | $166 | $1,985 | $165 |
| Sierra 3500HD SLE Crew Cab 2WD | $430 | $678 | $442 | $26 | $132 | $1,733 | $144 |
| Sierra 3500HD SLE Extended Cab 2WD | $430 | $678 | $442 | $26 | $132 | $1,733 | $144 |
| Sierra 3500HD SLE Extended Cab 4WD | $430 | $780 | $552 | $32 | $166 | $1,985 | $165 |
| Sierra 3500HD SLE Crew Cab 4WD | $430 | $780 | $552 | $32 | $166 | $1,985 | $165 |
| Sierra 3500HD SLT Extended Cab 2WD | $430 | $678 | $442 | $26 | $132 | $1,733 | $144 |
| Sierra 3500HD SLT Crew Cab 4WD | $430 | $780 | $552 | $32 | $166 | $1,985 | $165 |
| Sierra 3500HD SLT Extended Cab 4WD | $430 | $780 | $552 | $32 | $166 | $1,985 | $165 |
| Sierra 3500HD SLT Crew Cab 2WD | $474 | $780 | $442 | $26 | $132 | $1,879 | $157 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 3500HD SLE Regular Cab 2WD | $348 | $546 | $442 | $26 | $132 | $1,494 | $125 |
| Sierra 3500HD SLE Regular Cab 4WD | $348 | $630 | $552 | $32 | $166 | $1,728 | $144 |
| Sierra 3500HD SLE Crew Cab 2WD | $348 | $546 | $442 | $26 | $132 | $1,494 | $125 |
| Sierra 3500HD SLE Extended Cab 2WD | $348 | $546 | $442 | $26 | $132 | $1,494 | $125 |
| Sierra 3500HD SLE Extended Cab 4WD | $348 | $630 | $552 | $32 | $166 | $1,728 | $144 |
| Sierra 3500HD SLE Crew Cab 4WD | $348 | $630 | $552 | $32 | $166 | $1,728 | $144 |
| Sierra 3500HD SLT Extended Cab 2WD | $348 | $546 | $442 | $26 | $132 | $1,494 | $125 |
| Sierra 3500HD SLT Crew Cab 4WD | $348 | $630 | $552 | $32 | $166 | $1,728 | $144 |
| Sierra 3500HD SLT Extended Cab 4WD | $348 | $630 | $552 | $32 | $166 | $1,728 | $144 |
| Sierra 3500HD SLT Crew Cab 2WD | $384 | $630 | $442 | $26 | $132 | $1,614 | $135 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rates do not factor in vehicle garaging location which can raise or lower coverage prices greatly.
Based on the figures above, using a $250 deductible costs an average of $20 more each month or $240 every year than quoting the higher $500 deductible. Since you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 13 months between claim filings, you would save money going with the higher deductible.
Calculate savings of higher deductibles
| Average monthly premium for $250 deductibles: | $156 |
| Average monthly premium for $500 deductibles (subtract): | – $136 |
| Monthly savings from raising deductible: | $20 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $20 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 13 months |
The illustration below illustrates how your choice of deductibles and can raise or lower GMC Sierra 3500HD insurance rates for different ages of insureds. The information is based on a single male driver, comp and collision included, and no discounts are applied to the premium.
Compare rates but buy from a local neighborhood Long Beach car insurance agent
Certain consumers would prefer to get professional advice from a licensed agent. Insurance agents can make sure you are properly covered and help you file claims. One of the benefits of comparing insurance prices online is the fact that drivers can get the lowest rates and still have an agent to talk to.
Once you complete this short form, your insurance data is instantly submitted to companies in Long Beach that can give you free Long Beach auto insurance quotes for your coverage. You won’t need to contact any agents since rate quotes are delivered straight to your inbox. If for some reason you want to compare rates from a specific company, don’t hesitate to navigate to their website and fill out their quote form.
Finding the right insurer needs to be determined by more than just the price. The answers to these questions are important, too.
- Will one accident increase rates?
- Do they reduce claim amounts on high mileage vehicles?
- How often do they review policy coverages?
- Do you need full coverage on every vehicle?
- Is coverage determined by price?
- Do they offer rental car reimbursement?
- Which family members are covered?
If you want to buy insurance from a good Long Beach insurance agent, it’s helpful to know the types of insurance agents and how they differ in how they can insure your vehicles. Insurance agencies in Long Beach are either exclusive agents or independent agents. Either one can sell affordable insurance policies, but it’s worth mentioning how they differ because it can influence your agent selection.
Exclusive Agencies
Agents that choose to be exclusive can only provide one company’s prices such as Farmers Insurance, State Farm, Allstate, and AAA. Exclusive agencies are unable to provide rate quotes from other companies so you might not find the best rates. These agents receive a lot of sales training in insurance sales and that can be a competitive advantage.
Below is a short list of exclusive insurance agencies in Long Beach who may provide you with price quote information.
Farmers Insurance – Erika Moreno
740 E Wardlow Rd – Long Beach, CA 90807 – (562) 290-0338 – View Map
Jon Wiedenman – State Farm Insurance Agent
2750 N Bellflower Blvd #208 – Long Beach, CA 90815 – (562) 420-6469 – View Map
Susie Atwood – State Farm Insurance Agent
5624 E 2nd St – Long Beach, CA 90803 – (562) 434-5729 – View Map
Independent Insurance Agents
Independent agents do not have single company limitations and that allows them to write policies through lots of different companies and get the cheapest rates. If your premiums go up, your policy is moved internally and you don’t have to find a new agent.
When comparing rate quotes, you should always get some free quotes from a few independent agents so that you have a good selection of quotes to compare.
Below is a short list of independent insurance agents in Long Beach that can give you comparison quotes.
Adriana’s Insurance Services Inc
1075 E Pacific Coast Hwy – Long Beach, CA 90806 – (562) 344-9222 – View Map
Integrity Now Insurance Brokers, Inc.
6285 E Spring St – Long Beach, CA 90808 – (562) 606-1030 – View Map
Nationwide Insurance: Caiquo Insurance Agency
4401 Atlantic Ave #214 – Long Beach, CA 90807 – (562) 548-7488 – View Map
Tailor your car insurance coverage to you
Keep in mind that when it comes to choosing adequate coverage, there isn’t really a “perfect” insurance plan. Your financial needs are unique so this has to be addressed.
These are some specific questions can aid in determining if you could use an agent’s help.
- Is my babysitter covered when using my vehicle?
- Am I covered if I hit my neighbor’s mailbox?
- What should my uninsured motorist coverage limits be in California?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Are rock chip repairs covered?
- If I use my vehicle for business use is it covered?
If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.
Car insurance coverage specifics
Understanding the coverages of a car insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages found on most car insurance policies.
Comprehensive coverage (or Other than Collision)
This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims such as hitting a deer, a broken windshield, damage from flooding, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Uninsured Motorist or Underinsured Motorist insurance
This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your GMC Sierra 3500HD.
Due to the fact that many California drivers have only the minimum liability required by law (15/30/5 in California), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.
Insurance for medical payments
Med pay and PIP coverage kick in for bills for surgery, doctor visits and X-ray expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible
Auto collision coverage
Collision insurance covers damage to your Sierra 3500HD caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as crashing into a building, damaging your car on a curb, crashing into a ditch, colliding with another moving vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible on your Sierra 3500HD to bring the cost down.
Liability auto insurance
This coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 15/30/5 which means a $15,000 limit per person for injuries, a total of $30,000 of bodily injury coverage per accident, and a total limit of $5,000 for damage to vehicles and property.
Liability insurance covers claims like structural damage, emergency aid, pain and suffering and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible. California requires minimum liability limits of 15/30/5 but you should think about purchasing more liability than the minimum.
The next chart demonstrates why buying low liability limits may not be adequate.
Smart consumers save more
We’ve covered some good ideas how to shop for GMC Sierra 3500HD insurance online. The key thing to remember is the more quotes you get, the better your chances of lowering your prices. You may even discover the lowest priced auto insurance comes from a small mutual company. Regional companies may have significantly lower prices on certain market segments as compared to the big name companies such as Allstate or State Farm.
When you buy Long Beach auto insurance online, it’s a bad idea to skimp on coverage in order to save money. Too many times, someone sacrificed uninsured motorist or liability limits and discovered at claim time that the savings was not a smart move. The goal is to buy a smart amount of coverage at the best cost, but do not sacrifice coverage to save money.
How to find cheaper GMC Sierra 3500HD insurance in Long Beach
If saving the most money is your goal, then the best way to save on GMC Sierra 3500HD insurance is to do an annual price comparison from companies that insure vehicles in Long Beach.
- Step 1: Read about how car insurance works and the measures you can control to prevent expensive coverage. Many factors that result in higher prices such as at-fault accidents, careless driving, and a not-so-good credit score can be amended by making small lifestyle or driving habit changes.
- Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or Allstate, while independent agencies can provide rate quotes for a wide range of companies. Click to view companies
- Step 3: Compare the new quotes to the price on your current policy and determine if cheaper Sierra 3500HD coverage is available in Long Beach. If you can save some money, make sure there is no lapse between the expiration of your current policy and the new one.
- Step 4: Give notification to your agent or company of your intent to cancel your current policy. Submit a completed application and payment to the newly selected company. As soon as you receive it, put the new proof of insurance certificate in your glove compartment.
An important note is to compare similar deductibles and liability limits on each quote and and to get price estimates from as many different companies as possible. Doing this helps ensure the most accurate price comparison and the best rate selection.
Much more information about auto insurance in California can be read at these links:
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- Who Has the Cheapest Car Insurance Rates for a Hyundai Elantra in Long Beach? (FAQ)
- Who Has Cheap Car Insurance for Single Moms in Long Beach? (FAQ)
- Who Has the Cheapest Auto Insurance for a Jeep Wrangler in Long Beach? (FAQ)
- Who Has the Cheapest Long Beach Auto Insurance for Good Students? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Drivers Over Age 50 in Long Beach? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Toyota Corolla in Long Beach? (FAQ)
- Young Drivers: The High Risk Years Video (iihs.org)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Get the Right Protection (InsureUonline.org)