Best GMC Sierra 2500HD Insurance in Oklahoma City

Finding the cheapest insurance for a GMC Sierra 2500HD in Oklahoma could be an all-consuming task, but you can learn our auto insurance buying tips to find lower rates. There are more efficient ways to buy auto insurance and we’ll show you the absolute fastest way to price shop coverage for your GMC and get the best price possible from both online companies and Oklahoma City agents.

It is always a good idea to do price comparisons periodically because rates change regularly. Despite the fact that you may have had the best rate on GMC Sierra 2500HD insurance in Oklahoma City last year you can probably find a better price now. Forget anything you know (or think you know) about auto insurance because we’re going to show you the fastest and easiest way to reduce your cost while increasing coverage.

If you are insured now or need a new policy, you will benefit by learning to find better prices without reducing coverage. Quoting and comparing the lowest-priced coverage in Oklahoma City is simple if you know the tricks. Consumers just have to know how to compare company rates on the web.

The fastest way that we advise to compare rates for GMC Sierra 2500HD insurance in Oklahoma City takes advantage of the fact most of the larger companies actually pay money for the chance to provide you with a free rate quote. The one thing you need to do is give them rating details including if a SR-22 is required, whether your vehicle is owned or leased, the make and model of your vehicles, and the ages of drivers. The data is then sent to multiple companies and they respond with quotes within a short period of time.

To find the cheapest GMC Sierra 2500HD insurance rates, click here and find out if lower rates are available in Oklahoma City.

The following companies provide price comparisons in Oklahoma. If several companies are displayed, we suggest you visit as many as you can in order to find the lowest rates.

Insurance coverage details

The coverage information below highlights detailed analysis of insurance policy prices for GMC Sierra 2500HD models. Having a better idea how insurance policy rates are figured can help guide drivers when making informed purchases.

Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Estimates do not factor in vehicle location which can impact coverage rates considerably.

Physical damage deductibles

A question often asked by Oklahoma City drivers is how low should you set your deductibles. The comparisons below illustrate the cost difference of buying low and high coverage deductibles. The first data table uses a $100 deductible for physical damage and the second data table uses a $1,000 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Price estimates do not factor in zip code location which can raise or lower prices significantly.

Using the premium rates above, we can conclude that using a $100 deductible costs an average of $54 more each month or $648 annually averaged for all Sierra 2500HD models than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 17 months between claim filings, you would save more money if you opt for a higher deductible.

Cost difference between full coverage and liability

The information below illustrates the comparison of GMC Sierra 2500HD yearly insurance costs with and without full coverage. The price estimates are based on no driving violations, no at-fault accidents, $100 deductibles, drivers are single, and no additional discounts are factored in.

Are you wasting money paying for full coverage?

There isn’t a written rule to eliminate physical damage coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.

For example, let’s say your GMC Sierra 2500HD replacement value is $5,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $4,000 after paying your deductible. If you are paying more than $400 annually for physical damage coverage, then it’s probably a good time to buy liability coverage only.

There are some situations where eliminating full coverage is not advised. If you still have a loan on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Companies offer many discounts on GMC Sierra 2500HD insurance in Oklahoma City

Car insurance companies don’t always publicize the entire discount list in an easy-to-find place, so the following is a list of some of the best known and also the lesser-known credits available to you. If you don’t get every credit available, you may be paying too high a price.

• College Student Discount – Kids who are enrolled in higher education away from home without a vehicle on campus could get you a discount.
• Onboard Data Collection – People who choose to allow driving data collection to study driving manner by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if they exhibit good driving behavior.
• Senior Citizens – Older drivers are able to get a small decrease in premiums.
• Good Grades Discount – Excelling in school can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
• One Accident Forgiven – Not necessarily a discount, but companies like Allstate and Progressive will let one accident slide before they charge you more for coverage as long as you don’t have any claims for a set time period.
• Homeowners Savings – Owning a house in Oklahoma City can get you a discount since owning and maintaining a home means you have a higher level of financial diligence.
• Buy New and Save – Insuring a vehicle that is new can save up to 30% due to better safety requirements for newer models.
• Anti-theft Discount – Cars and trucks optioned with advanced anti-theft systems help deter theft and will qualify for a discount on a Oklahoma City auto insurance quote.
• Claim Free – Insureds who avoid accidents and claims are rewarded with significantly better rates on Oklahoma City auto insurance quote as opposed to bad drivers.
• Anti-lock Brakes – Vehicles that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more on Sierra 2500HD insurance in Oklahoma City.

A quick disclaimer, some credits don’t apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as comp or med pay. Even though it appears adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

The diagram below illustrates the difference between GMC Sierra 2500HD auto insurance rates with and without discounts applied to the premium. The costs are based on a female driver, no accidents or driving violations, Oklahoma state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, claim-free, marriage, safe-driver, and homeowner discounts applied.

A few companies that may offer some of the above discounts include:

• GEICO
• SAFECO
• State Farm
• MetLife
• 21st Century
• Progressive

If you are trying to find affordable GMC Sierra 2500HD insurance quotes, ask all companies you are considering which discounts you may be entitled to. Depending on the company, some discounts may not be offered in Oklahoma City. If you would like to view insurers that offer the discounts shown above in Oklahoma City, follow this link.

Why you need Sierra 2500HD insurance in Oklahoma

Despite the high cost, car insurance is most likely required but also gives you several important benefits.

• The majority of states have minimum mandated liability insurance limits which means you are required to buy specific minimum amounts of liability protection if you want to drive legally. In Oklahoma these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If your vehicle has a loan, it’s most likely the lender will stipulate that you have comprehensive coverage to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the bank will be required to insure your GMC at a significantly higher premium and require you to reimburse them for the expensive policy.
• Car insurance protects both your GMC Sierra 2500HD and your personal assets. It also can pay for many types of medical costs for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance will also pay to defend you if you are sued as the result of your driving. If your car is damaged in a storm or accident, your policy will cover the damage repairs after a deductible is paid.

The benefits of insuring your car definitely exceed the price paid, especially if you ever need it. As of last year, the average driver in Oklahoma is wasting up to $865 each year so you should quote your policy with other companies at every renewal to help ensure money is not being wasted.

What is the best auto insurance company in Oklahoma?

Picking a good quality insurer can be rather challenging considering how many different companies sell coverage in Oklahoma. The rank data in the next section could help you analyze which auto insurance companies to look at purchasing from.

Top 10 Oklahoma City Car Insurance Companies Ranked by Value

1. Mercury Insurance
2. Travelers
3. American Family
4. AAA Insurance
5. Safeco Insurance
6. Progressive
7. The Hartford
8. The General
9. 21st Century
10. Esurance

Top 10 Oklahoma City Car Insurance Companies by A.M. Best Rank

1. Travelers – A++
2. USAA – A++
3. GEICO – A++
4. State Farm – A++
5. Titan Insurance – A+
6. Esurance – A+
7. Progressive – A+
8. The Hartford – A+
9. Allstate – A+
10. Nationwide – A+

When to have guidance from an agent

Many drivers still like to sit down and talk to an agent and that can be a great decision Professional agents are very good at helping people manage risk and give you someone to call. The biggest benefit of comparing auto insurance online is that you can obtain cheaper premium rates and also buy local.

To find an agent, once you fill out this short form, the quote information is submitted to participating agents in Oklahoma City who will give competitive quotes for your business. You won’t even need to search for any insurance agencies since price quotes are sent immediately to you. In the event you want to get a price quote for a specific company, don’t hesitate to jump over to their website and complete a quote there.

Selecting a insurer is decision based upon more than just a cheap quote. Here are some questions you should ask.

• Can they help ensure a fair claim settlement?
• Are they able to provide referrals?
• Is the agent and/or agency licensed to do business in Oklahoma?
• Does the agency have a current Errors and Omissions policy?
• Are there any hidden costs in their price quote and does it include driving and credit history?
• Can you use your own choice of collision repair facility?
• Do they have 24-hour customer assistance?

When finding a reliable insurance agent, there are two different types of agents and how they operate. Auto insurance agencies can be classified as either exclusive or independent agents depending on their company appointments. Both insure your vehicles properly, but it’s good to learn the difference in the companies they write for because it can influence your selection of an agent.

Exclusive Insurance Agencies

These agents generally can only insure with one company such as AAA, Allstate, and State Farm. Exclusive agents are unable to provide rate quotes from other companies so it’s a take it or leave it situation. They are well trained on their company’s products which helps overcome the inability to quote other rates. Some insured continue to choose to use a exclusive agent primarily because of loyalty to the company instead of buying on price only.

The following are exclusive insurance agencies in Oklahoma City willing to provide price quote information.

• Allstate Insurance: Gerald Jeter
  11723 S Western Ave – Oklahoma City, OK 73170 – (405) 692-2411 – View Map
• Tom Woodward – State Farm Insurance Agent
  4401 W Memorial Rd #115 – Oklahoma City, OK 73134 – (405) 755-5958 – View Map
• Chuck Davis – State Farm Insurance Agent
  9315 S Pennsylvania Ave b – Oklahoma City, OK 73159 – (405) 378-8008 – View Map

View more Oklahoma City agents

Independent Agents

Agents that elect to be independent are not restricted to one company so they can insure your vehicles with an assortment of companies depending on which coverage is best. To move your coverage to a new company, an independent agent can move your coverage and you won’t have to switch agencies.

If you need cheaper auto insurance rates, it’s recommended you include rate quotes from independent agents to ensure the widest selection of prices. Many write coverage with small mutual carriers which can save you money.

Below is a short list of independent agents in Oklahoma City that are able to give price quote information.

• Actionplus Insurance Agency
  5831 NW 23rd St – Oklahoma City, OK 73127 – (405) 702-9009 – View Map
• Perimeter Insurance
  4200 Perimeter Center Dr – Oklahoma City, OK 73112 – (405) 778-8880 – View Map
• Dan Ryan Insurance
  6300 S Western Ave – Oklahoma City, OK 73139 – (405) 631-6300 – View Map

View more Oklahoma City agents

After talking to the agent and getting positive responses to any questions you have in addition to an acceptable price estimate, you’ve probably found an insurance agency that is reputable and can properly service your auto insurance policy. But remember, you are entitled to cancel a policy at any time so don’t assume that you are obligated to your new company for the entire policy term.