Insurance rates GMC Sierra in Fort CollinsDid budget coverage turn out to be an expensive car insurance policy? You're preaching to the choir because many consumers are feeling buyer's remorse and feel like there's no way out.

It's amazing but over 70% of consumers have bought car insurance from the same company for at least the last four years, and just under half have never even compared rates from other companies. Drivers in Fort Collins can cut their rates by up to $605 a year just by getting comparison quotes, but they just don't understand how much money they would save if they switched. Vehicle owners have so many insurance companies to insure vehicles with, and even though it's nice to have multiple companies, it makes it harder to locate the cheapest rates for GMC Sierra insurance in Fort Collins.

Insurance rates and discounts

Insuring your vehicles can cost a lot, but there could be significant discounts that you may not even know about. A few discounts will automatically apply when you get a quote, but less common discounts must be requested specifically in order for you to get them.Discount insurance

One thing to note about discounts is that most discounts do not apply to all coverage premiums. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like all those discounts means the company will pay you, it's just not the way it works.

To choose providers offering insurance discounts in Colorado, click here to view.

Compare quotes for Fort Collins GMC Sierra insurance

All the larger auto insurance companies such as 21st Century, Allstate and State Farm allow you to get prices from their websites. Comparing GMC Sierra insurance rates online is quite simple because it's just a matter of typing in the amount of coverage you want into a form. After the form is submitted, their quoting system requests your credit score and driving record and provides a quote determined by many factors. Quoting online for GMC Sierra insurance in Fort Collins makes it simple to compare prices and it is imperative to do this in order to find affordable prices.

If you want to find out how much you can save on auto insurance, compare rates now from the companies shown below. To compare your current rates, we recommend you type in the coverage information identical to your current policy. This helps ensure you will have an apples-to-apples comparison using the same coverage and limits.

The providers in the list below provide price comparisons in Colorado. If the list has multiple companies, we suggest you compare several of them to get the best price comparison.

GMC Sierra Insurance Rate Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $152 $264 $362 $22 $108 $908 $76
Sierra SL Extended Cab 2WD $234 $472 $396 $24 $118 $1,244 $104
Sierra SLE Crew Cab 2WD $232 $454 $330 $20 $98 $1,134 $95
Sierra SL Crew Cab 2WD $266 $546 $338 $20 $100 $1,270 $106
Sierra SLE Crew Cab 2WD $342 $644 $352 $20 $106 $1,464 $122
Sierra SLE Regular Cab 4WD $334 $740 $426 $26 $128 $1,654 $138
Sierra SLE Extended Cab 4WD $192 $360 $330 $20 $98 $1,000 $83
Sierra SLE Crew Cab 4WD $238 $458 $338 $20 $100 $1,154 $96
Sierra SLT Extended Cab 2WD $162 $332 $396 $24 $118 $1,032 $86
Sierra SL Crew Cab 4WD $294 $630 $396 $24 $118 $1,462 $122
Sierra SLT Extended Cab 4WD $278 $496 $362 $22 $108 $1,266 $106
Sierra SLT Crew Cab 2WD $214 $426 $396 $24 $118 $1,178 $98
Sierra SLT Crew Cab 4WD $234 $480 $474 $28 $142 $1,358 $113
Sierra Denali Crew Cab 2WD $310 $570 $362 $22 $108 $1,372 $114
Sierra Denali Crew Cab 4WD $182 $402 $396 $24 $118 $1,122 $94
Get Your Own Custom Quote Go

Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Premium amounts do not factor in zip code location which can influence coverage prices significantly.

Choosing deductibles

The chart below demonstrates how choosing different deductibles and can impact GMC Sierra annual premium costs for different age groups. The prices are based on a single female driver, comp and collision included, and no discounts are factored in.

Should you raise deductibles?

One of the hardest decisions when shopping for auto insurance is how high should the physical damage coverage deductibles be. The comparison tables below can help show the costs and benefits between high and low comp and collision deductibles. The first data table uses a $100 comprehensive and collision deductible and the second set of prices uses a $500 deductible.

GMC Sierra insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $302 $546 $352 $20 $106 $1,351 $113
Sierra SL Extended Cab 2WD $302 $546 $352 $20 $106 $1,351 $113
Sierra SLE Crew Cab 2WD $302 $546 $352 $20 $106 $1,351 $113
Sierra SL Crew Cab 2WD $342 $644 $352 $20 $106 $1,489 $124
Sierra SLE Crew Cab 2WD $342 $644 $352 $20 $106 $1,489 $124
Sierra SLE Regular Cab 4WD $342 $644 $352 $20 $106 $1,489 $124
Sierra SLE Extended Cab 4WD $342 $644 $352 $20 $106 $1,489 $124
Sierra SLE Crew Cab 4WD $342 $644 $352 $20 $106 $1,489 $124
Sierra SLT Extended Cab 2WD $342 $644 $352 $20 $106 $1,489 $124
Sierra SL Crew Cab 4WD $342 $644 $352 $20 $106 $1,489 $124
Sierra SLT Extended Cab 4WD $342 $644 $352 $20 $106 $1,489 $124
Sierra SLT Crew Cab 2WD $342 $644 $352 $20 $106 $1,489 $124
Sierra SLT Crew Cab 4WD $380 $740 $352 $20 $106 $1,623 $135
Sierra Denali Crew Cab 2WD $380 $740 $352 $20 $106 $1,623 $135
Sierra Denali Crew Cab 4WD $380 $740 $352 $20 $106 $1,623 $135
Get Your Own Custom Quote Go
GMC Sierra insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $220 $368 $352 $20 $106 $1,066 $89
Sierra SL Extended Cab 2WD $220 $368 $352 $20 $106 $1,066 $89
Sierra SLE Crew Cab 2WD $220 $368 $352 $20 $106 $1,066 $89
Sierra SL Crew Cab 2WD $250 $434 $352 $20 $106 $1,162 $97
Sierra SLE Crew Cab 2WD $250 $434 $352 $20 $106 $1,162 $97
Sierra SLE Regular Cab 4WD $250 $434 $352 $20 $106 $1,162 $97
Sierra SLE Extended Cab 4WD $250 $434 $352 $20 $106 $1,162 $97
Sierra SLE Crew Cab 4WD $250 $434 $352 $20 $106 $1,162 $97
Sierra SLT Extended Cab 2WD $250 $434 $352 $20 $106 $1,162 $97
Sierra SL Crew Cab 4WD $250 $434 $352 $20 $106 $1,162 $97
Sierra SLT Extended Cab 4WD $250 $434 $352 $20 $106 $1,162 $97
Sierra SLT Crew Cab 2WD $250 $434 $352 $20 $106 $1,162 $97
Sierra SLT Crew Cab 4WD $278 $500 $352 $20 $106 $1,256 $105
Sierra Denali Crew Cab 2WD $278 $500 $352 $20 $106 $1,256 $105
Sierra Denali Crew Cab 4WD $278 $500 $352 $20 $106 $1,256 $105
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Premium amounts do not factor in specific garaging location which can change premium rates considerably.

Using the premium rates above, we can conclude that using a $100 deductible would cost the average driver about $27 more each month or $324 for a full year than requesting the higher $500 deductible. Since you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at a minimum 15 months between claims, you would most likely save money by going with a higher deductible.

Gender-based auto insurance rates by age

The illustration below visualizes the comparison of GMC Sierra car insurance costs for male and female drivers. The price estimates are based on no tickets, no at-fault accidents, comp and collision included, $1,000 deductibles, drivers are single, and no additional discounts are factored in.

You may require the services of an agent

Many people just prefer to talk to an insurance agent. Experienced insurance agents can help you choose the best coverages and give you someone to call. One of the benefits of getting online price quotes is that you can obtain cheap rate quotes and also buy local.

Insurance agents in Fort CollinsAfter completing this quick form, your insurance data is instantly submitted to agents in your area that can give you free Fort Collins car insurance quotes for your business. You never need to find an agent on your own because quoted prices will be sent instantly to you. If you wish to compare rates for a specific company, you just need to jump over to their website and complete a quote there.

Deciding on an insurer should depend on more than just the premium amount. Before buying a policy in Fort Collins, get answers to these questions.

When looking for a good Fort Collins insurance agent, it's helpful to know the different agency structures and how they work. Insurance agents in Fort Collins can either be independent or exclusive depending on the company they work for. Either can sell and service insurance coverage, but we need to point out the subtle differences since it can affect which agent you choose.

Exclusive Insurance Agencies

Agents that elect to be exclusive have only one company to place business with and examples are Allstate and State Farm. These agents are unable to compare other company's rates so if the price isn't competitive there isn't much they can do. They are well trained on their products and sales techniques which can be an advantage.

Below are Fort Collins exclusive insurance agents who may provide you with price quote information.


5125 S College Ave b - Fort Collins, CO 80525 - (970) 204-0020 - View Map


1300 Oakridge Dr #100 - Fort Collins, CO 80525 - (970) 223-9400 - View Map


4020 S College Ave #10 - Fort Collins, CO 80525 - (970) 226-5034 - View Map

More Fort Collins agents

Independent Insurance Agents

Agents of this type often have many company appointments so as a result can place your coverage amongst many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they simply switch companies in-house and the insured can keep the same agent.

If you are comparing rate quotes, we recommend you include price quotes from independent agents to have the best price comparison.

Listed below are independent insurance agents in Fort Collins who can help you get price quote information.


1719 E Mulberry St - Fort Collins, CO 80524 - (970) 663-5811 - View Map


2627 Redwing Rd #330 - Fort Collins, CO 80526 - (970) 223-5902 - View Map


148 W Oak St - Fort Collins, CO 80524 - (970) 490-1530 - View Map

More Fort Collins agents

Once you have reasonable responses to these questions and an acceptable price quote, it's possible that you found an insurance agent that meets the requirements to properly insure your vehicles. Just be aware that you can always cancel your policy any time you want so never assume that you are permanently stuck with the insurance policy for the entire policy term.

The lowest rates come from being thorough

When trying to cut insurance costs, it's not a good idea to reduce coverage to reduce premium. In many cases, someone sacrificed comprehensive coverage or liability limits only to discover later that their decision to reduce coverage ended up costing them more. Your strategy should be to get the best coverage possible at a price you can afford, but don't skip important coverages to save money.

In this article, we presented many tips how you can save on GMC Sierra insurance in Fort Collins. The most important thing to understand is the more companies you get premium rates for, the higher the chance of saving money. You may even discover the best price on insurance is with a small local company. They may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, GEICO and Progressive.

Much more information about insurance in Colorado is available at the links below