Who Has Cheap Car Insurance for a GMC Sierra in Seattle?

Buying affordable insurance for a GMC Sierra is pretty simple, but it relies on a pretty complex algorithm that uses a lot of factors such as your financial responsibility, your credit score, and any past driving violations you may have had. Drivers in Washington pay approximately $908 each year for Sierra insurance, but that amount is a valuation based upon a 30-year-old married female driver with full coverage and $500 deductibles.

Most likely you are not 30 years old and maybe not even female, maybe you are single instead of married, or maybe you prefer higher deductibles. This illustrates why the only way to find the cheapest insurance price for your GMC is to compare as many rates as you can.

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The trim level of your Sierra tends to impact the coverage cost, so the cost to insure a Sierra SLE Regular Cab 2WD model will be $154 less than the cost to insure the higher-priced Sierra Denali Crew Cab 4WD model, as shown below.

Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Price information does not factor in your specific Seattle location which can impact coverage rates substantially.

Finding dependable, affordable insurance is not easy, and finding out which companies offer the cheapest insurance rates for a GMC Sierra takes a bit more work. Each auto insurance company uses a little different formula for determining prices, so let’s rank the insurance companies that tend to be cheaper in Seattle.

We do need to point out that Washington insurance rates are impacted by many things that will increase or decrease the price you pay for coverage. Price variation is why it is critical to compare as many rates as possible when trying to get cheap insurance quotes for a GMC Sierra. Insurance prices are made up of many things and change dramatically, so the cheapest rate when you bought your policy may now be costing you a lot of money.

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Capital may have some of the cheapest car insurance rates in Seattle at around $784 per year. This is $628 less than the average price paid by Washington drivers of $1,412. Grange, Nationwide, PEMCO, and Travelers also make the cut as some of the cheaper Seattle, WA car insurance companies.

In the rate table above, if you are a policyholder with PEMCO and switched to Capital, you might achieve a yearly savings of around $210. Washington drivers with Travelers might save as much as $224 a year, and Mutual Enumclaw insureds might see rate reductions of $270 a year.

It’s important to note that these premium estimates are averaged for all drivers and vehicles and do not take into consideration a specific zip code for a GMC Sierra. So the car insurance company that is best suited for you may not even be in the list above. That illustrates why you need to get car insurance quotes using your own personal information and vehicle type.

Careless drivers pay higher rates

The recommended way to score the best insurance prices in Seattle for a Sierra pickup is to pay attention while driving and avoid accidents and keep your driving record clean. The chart below demonstrates how traffic citations and at-fault claims raise yearly insurance costs for each age group. The rates are based on a single female driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.

The data above shows the average cost of a car insurance policy per year with no violations or accidents is $1,897. Receive two speeding tickets and the average cost rises to $2,552, an increase of $655 each year. Then add in one accident along with the two speeding tickets and the annual cost of insurance for a GMC Sierra goes up to an average of $3,211. That’s an increase of $1,313, or $109 per month, just for not being attentive to the road!

Why you should be comparing rates

Washington insurance rates are determined by lots of factors which can significantly increase or decrease the cost of your policy. Improving your credit rating, adding a teenager to your policy, or getting caught speeding can trigger price changes that can make some companies much cheaper than others. Not only may your risk profile change, but auto insurance companies change premium rates multiple times each year to adjust for unexpected claims or profits. Heavy losses can result in a rate increase, while lower claims can produce lower-cost Sierra insurance rates.

The bar chart below shows the company with the cheapest car insurance in Seattle, WA for a 40-year-old female driver with a clean driving record, no accidents, and good credit. When comparing rates based on her personal profile, Capital may offer the most affordable car insurance rates in Seattle at $1,066 annually. This is $346 less than the average policy premium paid by Washington drivers of $1,412. Grange, Nationwide, PEMCO, and Travelers are the remainder of the top five cheapest Seattle, WA auto insurance companies.

The example below compares rates after we give the driver from the first rate comparison an accident claim, a lower credit score, and a speeding ticket. Since every car insurance company has a proprietary formula for determining prices, comparing rates most likely will result in a new list of cheap Seattle auto insurance companies as shown below.

USAA now has the lowest price in Seattle with The Hartford, California Casualty, Chubb, and Allied completing the list. This demonstrates why consumers need to take the time to compare lots of rates to get the best car insurance rates for a GMC Sierra. Rates are influenced by many things and can change substantially, so the most affordable company two years ago may now be quite expensive.

How to find more affordable auto insurance for a GMC Sierra

Here are some of the better money-saving ideas that can help Washington drivers find cheaper coverage.

• Increase your comprehensive and collision deductibles
• Do not get into accidents
• Bundle home or renters insurance to earn a discount on car insurance
• Better credit scores save money
• Save money by obeying traffic laws and keeping a clean driving record
• Claim-free drivers earn discounts
• Shop around once a year for cheaper rates

That last idea is extraordinarily significant, as we noted in the prior article. Coverage rates change a lot, so drivers shouldn’t be reluctant to buy from a different company if you can find a cheaper rate.

Brand loyalty is great, but we do not recommend it if that loyalty results in overpaying thousands of dollars over the life of your policy. It only takes a couple minutes to compare prices to find cheaper auto insurance for a GMC Sierra in Seattle.