Who Has Affordable Auto Insurance for a GMC Sierra in Philadelphia?

Finding the best cheap car insurance for a GMC Sierra is pretty simple, but it is dependent upon lots of different rating factors such as the safety rating for your Sierra, your geographic location, and if you have a history of accidents. Drivers in Pennsylvania will pay around $1,187 annually to insure their Sierra, but that cost is a projection based on a 40-year-old single female driver with full comprehensive and collision coverage and $500 deductibles.

This brings up the issue that more than likely you are not 40 and maybe not even a female, possibly married instead of single, or maybe you have a speeding ticket or two that will increase rates. Everone’s needs are different, and this illustrates why the way we recommend to find the cheapest rates for your GMC is to put in the effort to do a thorough rate comparison. It’s really quite easy you can get rates from some of the cheapest companies that sell coverage in Pennsylvania.

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The trim level of your Sierra will be a contributing factor to the annual cost of coverage, so the rate you pay to insure a Sierra SLE Regular Cab 2WD will be $192 less than the insurance cost for the more expensive Sierra Denali Crew Cab 4WD trim level, as demonstrated by the prices below.

GMC Sierra Insurance Rates in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $198 $390 $428 $26 $128 $1,170 $98
Sierra SL Extended Cab 2WD $198 $390 $428 $26 $128 $1,170 $98
Sierra SLE Crew Cab 2WD $198 $390 $428 $26 $128 $1,170 $98
Sierra SL Crew Cab 2WD $224 $460 $428 $26 $128 $1,266 $106
Sierra SLE Crew Cab 2WD $224 $460 $428 $26 $128 $1,266 $106
Sierra SLE Regular Cab 4WD $224 $460 $428 $26 $128 $1,266 $106
Sierra SLE Extended Cab 4WD $224 $460 $428 $26 $128 $1,266 $106
Sierra SLE Crew Cab 4WD $224 $460 $428 $26 $128 $1,266 $106
Sierra SLT Extended Cab 2WD $224 $460 $428 $26 $128 $1,266 $106
Sierra SL Crew Cab 4WD $224 $460 $428 $26 $128 $1,266 $106
Sierra SLT Extended Cab 4WD $224 $460 $428 $26 $128 $1,266 $106
Sierra SLT Crew Cab 2WD $224 $460 $428 $26 $128 $1,266 $106
Sierra SLT Crew Cab 4WD $250 $530 $428 $26 $128 $1,362 $114
Sierra Denali Crew Cab 2WD $250 $530 $428 $26 $128 $1,362 $114
Sierra Denali Crew Cab 4WD $250 $530 $428 $26 $128 $1,362 $114
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Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Information does not factor in specific location information which can raise or lower coverage prices noticeably.

Comparing quotes for cheap insurance is not the easiest thing to accomplish, and figuring out which insurers offer the most affordable car insurance rates for a GMC Sierra requires additional perseverance.

Each company has a different process to set policy rates, so we need to take a look at the car insurance companies with the overall best prices in Philadelphia.

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Cheapest Pennsylvania auto insurance companies
Rank Company Cost Per Year
1 General Casualty $740
2 Travelers $803
3 Penn National $808
4 USAA $809
5 Erie $816
6 Auto-Owners $963
7 Amica $1,012
8 Atlantic States $1,036
9 Donegal Mutual $1,091
10 GEICO $1,111
11 Allied $1,179
12 California Casualty $1,186
13 State Farm $1,198
14 State Auto $1,279
15 Encompass $1,357
16 Progressive $1,414
17 Harleysville $1,438
18 Mutual Benefit Group $1,439
19 Nationwide $1,477
20 Chubb $1,598
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General Casualty normally has some of the cheapest car insurance rates in Philadelphia at around $740 annually. This is $917 less than the average premium paid by Pennsylvania drivers of $1,657. Travelers, Penn National, USAA, and Erie also make the cut as some of the cheapest Philadelphia, PA insurance companies.

As the rates illustrate above, if you currently have coverage with USAA and switched to General Casualty, you could earn a yearly price reduction of approximately $69. Customers with Erie may save as much as $76 a year, and Auto-Owners insureds might reduce prices by as much as $223 a year.

To find out how much you can save, click here to get a free quote or quote prices from the following companies.

Be aware that those rates are averaged across all drivers and vehicles and and are not figured with a specific zip code for a GMC Sierra. So the auto insurance company that can offer you the lowest price may not even be in the list above. That affirms the importance of why you need to compare rates from as many companies as possible using your own individual information.

How to get discounts on Philadelphia auto insurance rates

Cheaper Philadelphia, PA car insurance for a Sierra pickupAuto insurance companies that offer cheap quotes for a GMC Sierra may also give you price discounts that may potentially lower prices by as much as 25% or more if you are eligible. Popular car insurance companies and their possible discounts can be found below.

The diagram below visualizes the comparison of auto insurance rates with and without some available policy discounts. The rates are based on a male driver, a clean driving record, no at-fault accidents, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with safe-driver, multiple policy, defensive driving course, multiple vehicle, anti-theft, and accident-free discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on car insurance for a GMC Sierra is 28% or $487.

Don’t make the mistake of not shopping around

Philadelphia car insurance rates are determined by lots of factors which can substantially change the cost of having a policy. Turning one year older, buying a home, or getting a ticket for careless driving may generate price changes resulting in some companies being cheaper than competitors.

Not only may your situation change, but auto insurance companies amend premium rates multiple times each year in order to remain profitable. Higher than normal claims may cause additional price hikes, while profitable underwriting can cause cheaper Sierra insurance rates.

For instance, the bar chart below demonstrates which company has the cheapest car insurance in Philadelphia, PA for a 40-year-old female driver with a clean driving record, no accidents, and a decent credit rating. If we estimate prices based on her current situation, General Casualty quotes the best car insurance rates in Philadelphia at $1,634 annually. This is $23 less than the average rate paid by Pennsylvania drivers of $1,657. Erie, USAA, Travelers, and Penn National are the remaining best Philadelphia, PA auto insurance companies.

In the next rate comparison, we’ll give the driver from above some claims, a lower credit rating, and a few blemishes on her driving record. Since every insurance provider has their own unique process to set their prices, comparing rates may now present a different list of the cheapest companies as shown below.

Amica now has the cheapest auto insurance in Philadelphia with Atlantic States, Donegal Mutual, USAA, and Penn National also having competitive pricing. This example shows why it is critical to take the time to shop around when trying to find the most economical insurance quotes for a GMC Sierra. Rates are made up of many different factors and change dramatically, so the best option the last time you shopped your coverage around may now be priced much higher than other options.

How to find economical car insurance for a GMC Sierra

Lowering your rates is not difficult, and here are some penny-pinching suggestions that can help Pennsylvania drivers find low-cost car insurance.

The final tip is notably important, as was stressed in the prior article. Rates in Philadelphia fluctuate constantly, so drivers shouldn’t be reluctant to switch to a new company if you find a cheaper price.

Many drivers tend to have loyalty to a certain company, but it’s not a good idea if that loyalty results in overpaying a considerable chunk of change every month. Take a few minutes and shop around and find cheaper car insurance for a GMC Sierra.

The Philadelphia car insurance agencies listed below are willing to answer your questions and help you decide which car insurance policy is best, as some people prefer to have some advice when comparing insurance rates for a GMC Sierra. It’s not always simple to find the best rates on your own, so a licensed agent can bring satisfaction knowing you have adequate coverage when you need it most. To find a Philadelphia insurance agent nearest to you, click the button after the list or click here to compare price quotes.

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