Unbelievably, a large majority of consumers have bought auto insurance from the same company for at least the last four years, and just short of a majority have never compared rates to find cheap insurance. Drivers in California could save almost $470 a year, but most undervalue the rate savings if they bought a different policy.
If saving the most money is your goal, then the best way to get more affordable GMC Sierra insurance in Long Beach is to compare prices once a year from insurance carriers who provide auto insurance in California. You can compare prices by following these steps.
Step 1: Try to learn a little about how insurance companies determine prices and the measures you can take to keep rates down. Many policy risk factors that result in higher prices such as inattentive driving and a negative credit history can be amended by making lifestyle changes or driving safer.
Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from a single company like GEICO and State Farm, while independent agencies can provide price quotes for a wide range of companies. Select a company
Step 3: Compare the new quotes to the price on your current policy and determine if cheaper Sierra coverage is available. If you can save some money and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
Step 4: Notify your company or agent to cancel the current policy and submit any necessary down payment along with the completed application to your new company or agent. When you receive it, safely store the certificate of insurance in an easily accessible location.
One key aspect when comparing rates is that you use the same coverage limits and deductibles on every price quote and to quote with as many companies as you can. This helps ensure an apples-to-apples comparison and a thorough price selection.
Do you qualify for discounts on GMC Sierra insurance in Long Beach?
Insuring your vehicles can cost a lot, but companies offer discounts to help bring down the price. Many of these discounts will be applied automatically at quote time, but a few must be requested specifically before you will receive the discount.
- Club Memberships – Participating in certain professional organizations could earn you a nice discount on auto insurance.
- Switch and Save Discount – Select auto insurance companies give a discount for switching companies early. It’s a savings of about 10%.
- Life Insurance Discount – Select insurance companies reward you with a discounted rate on car insurance if you buy some life insurance in addition to your auto policy.
- Low Mileage Discounts – Driving less may enable drivers to earn discounted auto insurance rates on garaged vehicles.
- Military Deployment Discount – Being on active duty in the military can result in better prices.
- Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
- Theft Deterrent Discount – Cars and trucks that have factory anti-theft systems can help prevent theft and earn discounts up to 10% off your Long Beach car insurance quote.
- E-sign Discounts – Certain companies will discount your bill up to fifty bucks just for signing your application on their website.
- Save with More Vehicles Insured – Purchasing coverage when you have multiple cars on one policy can get a discount on all vehicles.
Please keep in mind that most credits do not apply to your bottom line cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think it’s possible to get free car insurance, insurance companies wouldn’t stay in business.
The diagram below compares GMC Sierra insurance premiums with and without discounts applied. The data is based on a male driver, no accidents, no driving violations, California 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 safe-driver, claim-free, marriage, multi-car, multi-policy, and homeowner discounts applied.
Larger auto insurance companies and a partial list of their discounts are included below.
- State Farm may have discounts that include Steer Clear safe driver discount, anti-theft, safe vehicle, Drive Safe & Save, and passive restraint.
- GEICO discounts include air bags, seat belt use, good student, multi-policy, federal employee, and membership and employees.
- Progressive may include discounts for multi-vehicle, good student, continuous coverage, homeowner, online quote discount, and online signing.
- 21st Century offers discounts including anti-lock brakes, early bird, driver training, good student, and defensive driver.
- American Family offers discounts for air bags, defensive driver, good driver, good student, and Steer into Savings.
- The Hartford policyholders can earn discounts including good student, bundle, driver training, defensive driver, and air bag.
- AAA has savings for good student, good driver, education and occupation, AAA membership discount, multi-policy, and pay-in-full.
If you are trying to find inexpensive Long Beach car insurance quotes, ask every insurance company the best way to save money. All car insurance discounts may not apply to policyholders in Long Beach. To choose providers with the best GMC Sierra insurance discounts in Long Beach, follow this link.
Most companies such as Progressive, GEICO, Allstate and State Farm give coverage price quotes direct online. This process doesn’t take much effort as you just type in the coverage amounts you desire into the quote form. After you complete the form, the company’s rating system will order your driving record and credit report and returns a price quote based on the data you entered. The ability to get online rates for GMC Sierra insurance in Long Beach makes comparing rates easy, and it’s very important to get many rate quotes in order to get the most affordable possible premiums on auto insurance.
To save time and get comparison pricing now, check out the auto insurance providers below. If you have coverage now, it’s recommended you copy the coverages just like they are on your policy. Doing this assures you will have an apples-to-apples comparison for exact coverage.
The auto insurance companies shown below are our best choices to provide price comparisons in California. To locate cheap auto insurance in CA, it’s a good idea that you compare several of them in order to find the most affordable rates.
Data for GMC Sierra insurance
The coverage information below covers estimates of insurance prices for GMC Sierra models. Understanding how car insurance prices are figured can help guide drivers when making smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra SLE Regular Cab 2WD | $216 | $394 | $424 | $26 | $126 | $1,186 | $99 |
| Sierra SL Extended Cab 2WD | $216 | $394 | $424 | $26 | $126 | $1,186 | $99 |
| Sierra SLE Crew Cab 2WD | $216 | $394 | $424 | $26 | $126 | $1,186 | $99 |
| Sierra SL Crew Cab 2WD | $244 | $464 | $424 | $26 | $126 | $1,284 | $107 |
| Sierra SLE Crew Cab 2WD | $244 | $464 | $424 | $26 | $126 | $1,284 | $107 |
| Sierra SLE Regular Cab 4WD | $244 | $464 | $424 | $26 | $126 | $1,284 | $107 |
| Sierra SLE Extended Cab 4WD | $244 | $464 | $424 | $26 | $126 | $1,284 | $107 |
| Sierra SLE Crew Cab 4WD | $244 | $464 | $424 | $26 | $126 | $1,284 | $107 |
| Sierra SLT Extended Cab 2WD | $244 | $464 | $424 | $26 | $126 | $1,284 | $107 |
| Sierra SL Crew Cab 4WD | $244 | $464 | $424 | $26 | $126 | $1,284 | $107 |
| Sierra SLT Extended Cab 4WD | $244 | $464 | $424 | $26 | $126 | $1,284 | $107 |
| Sierra SLT Crew Cab 2WD | $244 | $464 | $424 | $26 | $126 | $1,284 | $107 |
| Sierra SLT Crew Cab 4WD | $272 | $534 | $424 | $26 | $126 | $1,382 | $115 |
| Sierra Denali Crew Cab 2WD | $272 | $534 | $424 | $26 | $126 | $1,382 | $115 |
| Sierra Denali Crew Cab 4WD | $272 | $534 | $424 | $26 | $126 | $1,382 | $115 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Premium costs do not factor in vehicle garaging location which can increase or decrease auto insurance rates considerably.
Physical damage deductibles: Should you raise them?
When shopping for car insurance, a common question is how high or low should comp and collision deductibles be. The rates below can help illustrate the premium difference when you choose different policy deductibles. The first price estimate table uses a $100 comprehensive and collision deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra SLE Regular Cab 2WD | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Sierra SL Extended Cab 2WD | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Sierra SLE Crew Cab 2WD | $380 | $686 | $442 | $26 | $132 | $1,691 | $141 |
| Sierra SL Crew Cab 2WD | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Sierra SLE Crew Cab 2WD | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Sierra SLE Regular Cab 4WD | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Sierra SLE Extended Cab 4WD | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Sierra SLE Crew Cab 4WD | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Sierra SLT Extended Cab 2WD | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Sierra SL Crew Cab 4WD | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Sierra SLT Extended Cab 4WD | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Sierra SLT Crew Cab 2WD | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Sierra SLT Crew Cab 4WD | $478 | $932 | $442 | $26 | $132 | $2,035 | $170 |
| Sierra Denali Crew Cab 2WD | $478 | $932 | $442 | $26 | $132 | $2,035 | $170 |
| Sierra Denali Crew Cab 4WD | $478 | $932 | $442 | $26 | $132 | $2,035 | $170 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra SLE Regular Cab 2WD | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Sierra SL Extended Cab 2WD | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Sierra SLE Crew Cab 2WD | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Sierra SL Crew Cab 2WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Sierra SLE Crew Cab 2WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Sierra SLE Regular Cab 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Sierra SLE Extended Cab 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Sierra SLE Crew Cab 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Sierra SLT Extended Cab 2WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Sierra SL Crew Cab 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Sierra SLT Extended Cab 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Sierra SLT Crew Cab 2WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Sierra SLT Crew Cab 4WD | $266 | $490 | $442 | $26 | $132 | $1,356 | $113 |
| Sierra Denali Crew Cab 2WD | $266 | $490 | $442 | $26 | $132 | $1,356 | $113 |
| Sierra Denali Crew Cab 4WD | $266 | $490 | $442 | $26 | $132 | $1,356 | $113 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rates do not factor in vehicle location which can impact premium rates significantly.
Using the premium rates above, we can conclude that using a $100 deductible costs about $50 more each month or $600 every year across all GMC Sierra models than selecting the higher $1,000 deductible. Because you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 18 months between claim filings, you would save money going with the higher deductible.
Full coverage or liability only
The information below visualizes the comparison of GMC Sierra annual premium costs with and without physical damage coverage. The prices are based on a clean driving record, no claims, $500 deductibles, drivers are not married, and no discounts are factored in.
Are you wasting money paying for full coverage?
There is no exact rule that works best for making the decision to drop physical damage coverage on your policy, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.
For example, let’s say your GMC Sierra replacement cost is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $4,000 after the deductible is paid. If you are currently paying more than $400 annually for comprehensive and collision coverage, then you may want to consider only buying liability coverage.
There are some circumstances where removing full coverage is not a good plan. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not drop full coverage.
Get rate quotes but work with a local neighborhood Long Beach car insurance agent
Some people still like to sit down with an agent and that can be a great decision Agents are trained risk managers and help you file claims. A nice benefit of getting online price quotes is that you can obtain the lowest rates and still have an agent to talk to.
Upon completion of this simple form, the quote information is emailed to agents in your area that can give you free Long Beach car insurance quotes for your insurance coverage. It makes it easy because there is no need to visit any agencies due to the fact that quote results will go immediately to you. In the event you want to get a price quote from a specific company, you would need to navigate to their website and give them your coverage information.
Finding a good insurer shouldn’t rely on just a cheap price quote. The answers to these questions are important, too.
- Are claim adjusters local or do you have to take your car somewhere else?
- Are they able to influence company decisions when a claim is filed?
- Can you use your own choice of collision repair facility?
- How much experience to they have in personal lines coverages?
- Do they specialize in personal lines coverage in Long Beach?
When finding a reputable agency, it’s important to understand the types of agencies and how they differ in how they quote coverages. Insurance agents in Long Beach can be described as either exclusive or independent. Both can properly insure your vehicles, but it’s a good idea to understand the difference in the companies they write for since it could factor into which type of agent you select.
Exclusive Insurance Agents
Agents that choose to be exclusive can only write with one company and examples are Allstate, Farmers Insurance or State Farm. Exclusive agents cannot give you multiple price quotes so it’s a take it or leave it situation. They receive a lot of sales training on sales techniques which helps them sell on service rather than price.
The following is a short list of exclusive agencies in Long Beach who can help you get comparison quotes.
Inna Tseikhin – State Farm Insurance Agent
3912 Atlantic Ave – Long Beach, CA 90807 – (562) 490-0779 – View Map
Jose Olguin – State Farm Insurance Agent
4464 California Pl – Long Beach, CA 90807 – (562) 427-2014 – View Map
Jon Wiedenman – State Farm Insurance Agent
2750 N Bellflower Blvd #208 – Long Beach, CA 90815 – (562) 420-6469 – View Map
Independent Agencies or Brokers
Independent agencies are not employed by any specific company and that enables them to quote your coverage with lots of companies and find the cheapest insurance rates. If they quote lower rates, your agent can switch companies and the insured can keep the same agent. When comparing rates, you absolutely need to include several independent agencies so that you have a good selection of quotes to compare.
Shown below is a list of independent agencies in Long Beach willing to provide rate quotes.
Kelly Williams Insurance Agency, Inc.
4400 Pacific Coast Hwy – Long Beach, CA 90804 – (562) 498-8661 – View Map
Amico Insurance Agency
100 Oceangate #1200 – Long Beach, CA 90802 – (562) 628-5553 – View Map
Long Beach Insurance Services
2316 E 7th St – Long Beach, CA 90804 – (562) 439-0244 – View Map
After talking to the agent and getting acceptable answers for all questions you ask and affordable GMC Sierra insurance rates in Long Beach quotes, you may have found an auto insurance agent that can be relied on to service your policy.
Which auto insurance company is best in California?
Buying coverage from the top auto insurance provider can be challenging considering how many choices you have in California. The company ratings shown next may help you analyze which insurers to look at purchasing a policy from.
Top 10 Long Beach Car Insurance Companies Overall
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Top 10 Long Beach Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Affordable auto insurance rates are possible
When buying insurance coverage, it’s a bad idea to sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut uninsured motorist or liability limits and found out when filing a claim they didn’t have enough coverage. Your goal is to get the best coverage possible at the best possible price while not skimping on critical coverages.
Cheap GMC Sierra insurance in Long Beach is definitely available online and with local Long Beach insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers do not provide online price quotes and these regional insurance providers provide coverage only through independent insurance agencies.
For more information, feel free to browse the following helpful articles:
- Safe Vehicles for Teens (iihs.org)
- Who Has the Cheapest Long Beach Auto Insurance Quotes for a Ford Edge? (FAQ)
- What Car Insurance is Cheapest for a Nissan Altima in Long Beach? (FAQ)
- How Much are Long Beach Car Insurance Rates for a Company Car? (FAQ)
- Who Has Affordable Auto Insurance for a School Permit in Long Beach? (FAQ)
- What Insurance is Cheapest for a Jeep Grand Cherokee in Long Beach? (FAQ)
- Who Has Cheap Auto Insurance After a Speeding Ticket in Long Beach? (FAQ)
- Your Car has been Stolen: Now What? (Allstate)
- Tools for Teen Driving Safety (State Farm)