Are you searching for the cheapest GMC Sierra insurance in Colorado Springs? Comparing and finding low cost prices for GMC Sierra insurance in Colorado Springs is difficult for beginners to online rate comparisons. People have so many different companies and agents to choose from that it can easily be a big hassle to find the best prices.

Discount GMC Sierra insuranceA study showed that most car insurance customers have remained with the same car insurance company for at least the last four years, and about 40% of consumers have never even shopped around for lower-cost coverage. Colorado Springs insurance shoppers could save nearly $610 each year by just comparing quotes, but they don't invest the time required to compare rates.

If you are already insured, you will be able to find the best rates using the following tips. These tips will help educate you on the most effective way to quote insurance and also pocket some savings But Colorado consumers must understand how the larger insurance companies sell insurance online because rates are impacted by many factors.

To get affordable Colorado Springs auto insurance quotes, there a variety of ways to compare prices from different Colorado Springs insurance companies. The easiest way to find the cheapest insurance rates is simply to get online rate quotes. When quoting insurance, remember that comparing more rates from different companies will improve the odds of getting better pricing.

The companies shown below are ready to provide price quotes in Colorado. If several companies are displayed, we suggest you visit as many as you can to get the best price comparison.

GMC Sierra Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $170 $306 $330 $20 $98 $924 $77
Sierra SL Extended Cab 2WD $344 $546 $460 $28 $138 $1,516 $126
Sierra SLE Crew Cab 2WD $144 $296 $396 $24 $118 $978 $82
Sierra SL Crew Cab 2WD $378 $792 $474 $28 $142 $1,814 $151
Sierra SLE Crew Cab 2WD $334 $740 $426 $26 $128 $1,654 $138
Sierra SLE Regular Cab 4WD $242 $426 $358 $22 $108 $1,156 $96
Sierra SLE Extended Cab 4WD $340 $662 $474 $28 $142 $1,646 $137
Sierra SLE Crew Cab 4WD $330 $630 $358 $22 $108 $1,448 $121
Sierra SLT Extended Cab 2WD $294 $608 $456 $28 $136 $1,522 $127
Sierra SL Crew Cab 4WD $186 $390 $426 $26 $128 $1,156 $96
Sierra SLT Extended Cab 4WD $238 $458 $338 $20 $100 $1,154 $96
Sierra SLT Crew Cab 2WD $186 $390 $426 $26 $128 $1,156 $96
Sierra SLT Crew Cab 4WD $206 $448 $426 $26 $128 $1,234 $103
Sierra Denali Crew Cab 2WD $192 $360 $362 $22 $108 $1,044 $87
Sierra Denali Crew Cab 4WD $326 $726 $396 $24 $118 $1,590 $133
Get Your Own Custom Quote Go

Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Information does not factor in vehicle garaging location which can lower or raise rates substantially.

Rate comparison for different deductibles

A question often asked by Colorado Springs drivers is at what level do you set your deductibles. The comparisons below highlight the price difference when you buy lower versus higher physical damage deductibles. The first rate table uses a $250 physical damage deductible and the second data table uses a $1,000 deductible.

GMC Sierra insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $272 $458 $352 $20 $106 $1,233 $103
Sierra SL Extended Cab 2WD $272 $458 $352 $20 $106 $1,233 $103
Sierra SLE Crew Cab 2WD $272 $458 $352 $20 $106 $1,233 $103
Sierra SL Crew Cab 2WD $306 $538 $352 $20 $106 $1,347 $112
Sierra SLE Crew Cab 2WD $306 $538 $352 $20 $106 $1,347 $112
Sierra SLE Regular Cab 4WD $306 $538 $352 $20 $106 $1,347 $112
Sierra SLE Extended Cab 4WD $306 $538 $352 $20 $106 $1,347 $112
Sierra SLE Crew Cab 4WD $306 $538 $352 $20 $106 $1,347 $112
Sierra SLT Extended Cab 2WD $306 $538 $352 $20 $106 $1,347 $112
Sierra SL Crew Cab 4WD $306 $538 $352 $20 $106 $1,347 $112
Sierra SLT Extended Cab 4WD $306 $538 $352 $20 $106 $1,347 $112
Sierra SLT Crew Cab 2WD $306 $538 $352 $20 $106 $1,347 $112
Sierra SLT Crew Cab 4WD $342 $620 $352 $20 $106 $1,465 $122
Sierra Denali Crew Cab 2WD $342 $620 $352 $20 $106 $1,465 $122
Sierra Denali Crew Cab 4WD $342 $620 $352 $20 $106 $1,465 $122
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GMC Sierra insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $168 $288 $352 $20 $106 $934 $78
Sierra SL Extended Cab 2WD $168 $288 $352 $20 $106 $934 $78
Sierra SLE Crew Cab 2WD $168 $288 $352 $20 $106 $934 $78
Sierra SL Crew Cab 2WD $190 $340 $352 $20 $106 $1,008 $84
Sierra SLE Crew Cab 2WD $190 $340 $352 $20 $106 $1,008 $84
Sierra SLE Regular Cab 4WD $190 $340 $352 $20 $106 $1,008 $84
Sierra SLE Extended Cab 4WD $190 $340 $352 $20 $106 $1,008 $84
Sierra SLE Crew Cab 4WD $190 $340 $352 $20 $106 $1,008 $84
Sierra SLT Extended Cab 2WD $190 $340 $352 $20 $106 $1,008 $84
Sierra SL Crew Cab 4WD $190 $340 $352 $20 $106 $1,008 $84
Sierra SLT Extended Cab 4WD $190 $340 $352 $20 $106 $1,008 $84
Sierra SLT Crew Cab 2WD $190 $340 $352 $20 $106 $1,008 $84
Sierra SLT Crew Cab 4WD $210 $390 $352 $20 $106 $1,078 $90
Sierra Denali Crew Cab 2WD $210 $390 $352 $20 $106 $1,078 $90
Sierra Denali Crew Cab 4WD $210 $390 $352 $20 $106 $1,078 $90
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Premium amounts do not factor in garaging location in Colorado Springs which can increase or decrease premiums noticeably.

Based on this data, using a $250 deductible will cost you roughly $28 more each month or $336 each year than buying the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 27 months between claims, you would probably save some money going with the higher deductible. Here's a better example of how you can do this calculation yourself.

Average monthly premium for $250 deductibles: $112
Average monthly premium for $1,000 deductibles (subtract): - $84
Monthly savings from raising deductible: $28
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 27 months

One important note is that higher deductibles means you will have to pay more out-of-pocket when you have a comprehensive or collision claim. You need enough disposable savings in the event you need to pay the deductible.

Analysis of deductible levels

The diagram below illustrates how choosing a deductible and can influence GMC Sierra insurance costs for different ages of insureds. The data is based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

Can't I get rate quotes from local Colorado Springs insurance agencies?

Some people would prefer to sit down with an agent and that is a personal choice. One of the best bonuses of comparing rates online is that you can obtain cheap rate quotes and still buy from a local agent. Putting coverage with local insurance agencies is important especially in Colorado Springs.

Insurance agency in Colorado SpringsFor easy comparison, once you complete this short form, your coverage information gets sent to agents in your area that can provide free Colorado Springs auto insurance quotes and help you find cheaper coverage. It makes it easy because there is no need to search for any insurance agencies because prices are sent instantly to you. It's the lowest rates AND a local agent. If you want to get a rate quote from one company in particular, just go to their quote page and give them your coverage information.

If you prefer to buy insurance from a local Colorado Springs insurance agent, it's important to understand the types of agencies and how they operate. Agencies in Colorado Springs are classified as either independent agents or exclusive agents.

Independent Insurance Agencies

Agents of this type are not limited to a single company so they can write business with many different companies and possibly get better coverage at lower prices. If you want to switch companies, the agent simply finds a different carrier without you having to go to a different agency.

When comparison shopping, you absolutely need to compare prices from several independent agencies to have the most options to choose from. Most independent agents also contract with smaller companies which may provide better rates.

Listed below is a partial list of independent agencies in Colorado Springs who may be able to give you free insurance quotes.

More insurance agents

Exclusive Agents

Agents that choose to be exclusive work for only one company like American Family, State Farm, and AAA. Exclusive agents cannot shop your coverage around so they really need to provide good service. They are very knowledgeable on their company's products which helps offset the inability to provide other markets. Some people will only use the same agent mostly because of the prominent brand name rather than low rates.

Shown below is a short list of exclusive insurance agents in Colorado Springs willing to provide comparison quotes.

More insurance agents

Finding a good car insurance agent requires more thought than just a cheap price. These are valid questions to ask:

If you feel you receive positive feedback for all questions you ask and a good coverage price, it's possible that you found an insurance agent that can service your policy.