Would you like to find cheaper GMC Sierra 2500HD insurance in Bakersfield? Finding better insurance prices for a GMC Sierra 2500HD in California can turn out to be a lot of work, but you can learn these tips to make it easier. There are more efficient ways to find insurance online and we’ll show you the best way to get price quotes for a GMC and obtain the best price possible from both online companies and Bakersfield agents.
It’s hard to fathom, but 70% of consumers kept their coverage with the same insurance company for well over three years, and about 40% of consumers have never compared rates with other companies. Most drivers in America could cut their rates by 47% a year just by getting comparison quotes, but they just don’t understand the big savings they would realize if they switched.
Best companies for affordable GMC Sierra 2500HD insurance in California
The car insurance companies shown below provide free quotes in California. If multiple companies are listed, we recommend you click on several of them to get the cheapest price.
Statistics and details
The premium information shown next showcases different insurance costs for GMC Sierra 2500HD models. Having a good grasp of how car insurance prices are determined can be of help when making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 2500HD SLE Regular Cab 4WD | $264 | $524 | $596 | $36 | $178 | $1,598 | $133 |
| Sierra 2500HD SLE Regular Cab 2WD | $264 | $524 | $674 | $40 | $202 | $1,704 | $142 |
| Sierra 2500HD SLE Crew Cab 4WD | $264 | $524 | $596 | $36 | $178 | $1,598 | $133 |
| Sierra 2500HD SLE Extended Cab 4WD | $264 | $524 | $596 | $36 | $178 | $1,598 | $133 |
| Sierra 2500HD SLE Crew Cab 2WD | $264 | $604 | $674 | $40 | $202 | $1,784 | $149 |
| Sierra 2500HD SLE Extended Cab 2WD | $264 | $604 | $674 | $40 | $202 | $1,784 | $149 |
| Sierra 2500HD SLT Crew Cab 4WD | $264 | $604 | $596 | $36 | $178 | $1,678 | $140 |
| Sierra 2500HD SLT Extended Cab 4WD | $264 | $604 | $596 | $36 | $178 | $1,678 | $140 |
| Sierra 2500HD SLT Extended Cab 2WD | $264 | $604 | $674 | $40 | $202 | $1,784 | $149 |
| Sierra 2500HD SLT Crew Cab 2WD | $294 | $604 | $674 | $40 | $202 | $1,814 | $151 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rate information does not factor in zip code location which can revise insurance rates significantly.
Higher deductibles lower rates
One of the hardest decisions when shopping for insurance is which comprehensive and collision deductibles to buy. The premium rates below approximate the cost difference when you buy lower versus higher physical damage deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 2500HD SLE Regular Cab 4WD | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Sierra 2500HD SLE Regular Cab 2WD | $430 | $810 | $500 | $30 | $150 | $1,945 | $162 |
| Sierra 2500HD SLE Crew Cab 4WD | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Sierra 2500HD SLE Extended Cab 4WD | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Sierra 2500HD SLE Crew Cab 2WD | $430 | $932 | $500 | $30 | $150 | $2,067 | $172 |
| Sierra 2500HD SLE Extended Cab 2WD | $430 | $932 | $500 | $30 | $150 | $2,067 | $172 |
| Sierra 2500HD SLT Crew Cab 4WD | $430 | $932 | $442 | $26 | $132 | $1,987 | $166 |
| Sierra 2500HD SLT Extended Cab 4WD | $430 | $932 | $442 | $26 | $132 | $1,987 | $166 |
| Sierra 2500HD SLT Extended Cab 2WD | $430 | $932 | $500 | $30 | $150 | $2,067 | $172 |
| Sierra 2500HD SLT Crew Cab 2WD | $478 | $932 | $500 | $30 | $150 | $2,115 | $176 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 2500HD SLE Regular Cab 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Sierra 2500HD SLE Regular Cab 2WD | $238 | $426 | $500 | $30 | $150 | $1,344 | $112 |
| Sierra 2500HD SLE Crew Cab 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Sierra 2500HD SLE Extended Cab 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Sierra 2500HD SLE Crew Cab 2WD | $238 | $490 | $500 | $30 | $150 | $1,408 | $117 |
| Sierra 2500HD SLE Extended Cab 2WD | $238 | $490 | $500 | $30 | $150 | $1,408 | $117 |
| Sierra 2500HD SLT Crew Cab 4WD | $238 | $490 | $442 | $26 | $132 | $1,328 | $111 |
| Sierra 2500HD SLT Extended Cab 4WD | $238 | $490 | $442 | $26 | $132 | $1,328 | $111 |
| Sierra 2500HD SLT Extended Cab 2WD | $238 | $490 | $500 | $30 | $150 | $1,408 | $117 |
| Sierra 2500HD SLT Crew Cab 2WD | $266 | $490 | $500 | $30 | $150 | $1,436 | $120 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Price estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase auto insurance rates considerably.
We can estimate from the data above that using a $100 deductible would cost the average driver about $53 more each month or $636 every year across all GMC Sierra 2500HD models than selecting the higher $1,000 deductible. Since you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 17 months between claim filings, you would probably come out ahead if you choose a higher deductible.
How to determine if raising deductibles makes sense
| Average monthly premium for $100 deductibles: | $165 |
| Average monthly premium for $1,000 deductibles (subtract): | – $112 |
| Monthly savings from raising deductible: | $53 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $53 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
One important caveat is that raising deductibles to get cheaper rates results in a higher out-of-pocket expense when you file a claim. That will force you to have some extra savings in the event you have to pay more to get your vehicle repaired.
The chart below highlights how deductible selection and can impact GMC Sierra 2500HD premium costs for different age groups. The premiums assume a married male driver, comprehensive and collision coverage, and no policy discounts are applied.
How violations and accidents impact rates
The information below demonstrates how speeding tickets and accident claims can affect GMC Sierra 2500HD insurance rates for different insured age categories. The premiums are based on a single female driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.
Car insurance policy discounts for GMC Sierra 2500HD insurance in Bakersfield
Some companies don’t always publicize every available discount in a way that’s easy to find, so the following is a list of a few of the more well known in addition to some of the lesser obvious ways to save on car insurance. If you don’t get every credit possible, you’re just leaving money on the table.
- Accident Forgiveness Coverage – This one isn’t a discount, but some insurance companies will let one accident slide without the usual rate increase as long as you don’t have any claims for a set time period.
- Anti-lock Brake System – Cars and trucks with ABS braking systems or traction control have fewer accidents so you can save 10 percent or more.
- Distant Student Discount – Youth drivers living away from Bakersfield attending college and won’t have access to an insured vehicle may be able to be covered for less.
- Discount for New Cars – Insuring a vehicle that is new can cost up to 25% less compared to insuring an older model.
- No Claims – Drivers with accident-free driving histories pay much less when compared to drivers who are more careless.
- Telematics Data – Drivers who elect to allow their company to track driving manner through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates as long as they are good drivers.
It’s important to understand that most discounts do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, it just doesn’t work that way.
The chart below shows the comparison of GMC Sierra 2500HD insurance rates with and without discounts applied to the premium. The premium estimates are based on a male driver, no accidents or driving violations, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, multi-policy, claim-free, and multi-car discounts applied.
To view insurers who offer car insurance discounts in Bakersfield, click here.
GMC Sierra 2500HD Insurance Premium Factors
Lots of things are taken into consideration when you quote your car insurance policy. Most are fairly basic such as your driving history, but other factors are not quite as obvious like where you live or your vehicle rating. One of the most helpful ways to save on auto insurance is to to have a grasp of some of the elements that are used to determine the price you pay for auto insurance. If you understand what influences your rates, this enables you to make decisions that can earn you lower auto insurance prices.
Shown below are some of the most rate-impacting factors used by insurance companies to determine your rate level.
Higher rates for tough occupations – Did you know your career choice can influence rates? Careers like judges, air traffic controllers, and emergency personnel generally pay higher premium rates in part from stressful work requirements and lots of time spent away from family. On the flip side, professions such as scientists, engineers and performers generally pay rates lower than average.
Is insurance cheaper for men or women? – Statistics show females are less aggressive when driving. The data does not necessarily mean that men are WORSE drivers than women. Females and males get in fender benders at about the same rate, but males tend to have more serious accidents. Not only that, but men also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.
The example below visualizes the comparison of GMC Sierra 2500HD insurance costs for male and female drivers. The information is based on no claims or driving citations, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no discounts are taken into consideration.
Get married and pay less – Having a significant other may cut your premiums on auto insurance. Marriage usually means you are more mature and insurance companies reward insureds because drivers who are married file infrequent claims.
Better auto insurance rates on cars with good safety ratings – Vehicles that have high safety ratings cost less to insure. The safest vehicles result in less severe injuries and lower injury rates means less claims paid and cheaper rates on your policy. If your GMC Sierra 2500HD has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
Limits of liability coverage – Your policy’s liability coverage will afford coverage in the event that you are ruled to be at fault for personal injury or accident damage. Your policy’s liability insurance provides legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
When do I need an agent’s advice?
When it comes to proper insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique.
For example, these questions may help highlight whether you might need an agent’s assistance.
- Is my cargo covered for damage or theft?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Is my business laptop covered if it gets stolen from my vehicle?
- What is covered by UM/UIM coverage?
- Which companies will insure high-risk drivers?
- Is extra glass coverage worth it?
- Where can I find DUI or SR-22 insurance?
If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.
Local insurance agents
Many people prefer to have an agent’s advice and that is a personal choice. Most agents can help you build your policy and help file insurance claims. An additional benefit of comparing insurance prices online is you can get better rates and still have an agent to talk to.
To find an agent, once you fill out this simple form, the coverage information is immediately sent to local insurance agents who will return price quotes for your insurance coverage. There is no reason to contact any insurance agencies because quoted prices will be sent immediately to you. In the event you want to get a rate quote from one company in particular, feel free to navigate to their website and give them your coverage information.
Picking the best insurer should depend on more than just a low price. These are some questions your agent should answer.
- How often do they review policy coverages?
- Will one accident increase rates?
- Is insurance their full-time profession?
- Is the agency active in community causes in Bakersfield?
- Do they have 24-hour customer assistance?
- Are claim adjusters local or do you have to take your car somewhere else?
- Does the agency have a good rating with the Better Business Bureau?
- Do you work with a CSR or direct with the agent?
If you are searching for a local agent, it’s helpful to know the different types of agencies that you can select. Agencies in Bakersfield can be classified as either exclusive or independent agents depending on their company appointments. Either type can write policy coverage, but it’s worth learning how they are different since it can affect which type of agent you select.
Exclusive Agents
Agents in the exclusive channel can only provide one company’s prices like Farmers Insurance, Allstate, or State Farm. They usually cannot place coverage with different providers so keep that in mind. Exclusive agents are highly trained on their products and sales techniques and that enables them to sell even at higher rates. Consumers often buy insurance from these agents primarily because of the prominence of the brand rather than having low rates.
Shown below are Bakersfield exclusive agencies willing to provide rate quotes.
- Farmers Insurance: Brian Parks
1612 California Ave – Bakersfield, CA 93304 – (661) 859-1000 – View Map - David Hall – State Farm® Insurance Agent
5351 Olive Dr #300 – Bakersfield, CA 93308 – (661) 393-8326 – View Map - Dawn Fore – State Farm Insurance Agent
4801 Truxtun Ave #200 – Bakersfield, CA 93309 – (661) 324-2300 – View Map
Independent Agents (or Brokers)
Agents that choose to be independent do not have single company limitations so they have the ability to put coverage with lots of companies depending on which coverage is best. If your premiums go up, the agent simply finds a different carrier which requires no work on your part. When comparison shopping, we highly recommend that you compare quotes from multiple independent agents to get the best comparison. Most have the option of insuring with lesser-known insurance companies which could offer lower prices.
Shown below are independent insurance agencies in Bakersfield that can give you price quotes.
- California Canyon Insurance Agency
B, 4900 California Ave #210 – Bakersfield, CA 93309 – (661) 377-2978 – View Map - Fox, James H – James H Fox Insurance
42 Bernard St – Bakersfield, CA 93305 – (661) 322-2023 – View Map - Nationwide Insurance: Mountain Pacific Insurance And Financial Services
3100 19th St #250 – Bakersfield, CA 93301 – (661) 873-4780 – View Map
Compare rates regularly to save
When trying to cut insurance costs, you should never buy poor coverage just to save money. In too many instances, an insured cut liability limits or collision coverage only to find out that it was a big error on their part. The ultimate goal is to find the BEST coverage at the best price, but do not sacrifice coverage to save money.
More affordable insurance in Bakersfield is available from both online companies and also from your neighborhood Bakersfield agents, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies may not provide internet price quotes and usually these regional carriers prefer to sell through independent agencies.
In this article, we presented many ways to find lower-cost GMC Sierra 2500HD insurance in Bakersfield. It’s most important to understand that the more price quotes you have, the higher your chance of finding affordable GMC Sierra 2500HD insurance quotes. Consumers could even find that the lowest prices are with some of the smallest insurance companies.
How to find cheaper quotes for GMC Sierra 2500HD insurance in Bakersfield
The most effective way to find lower priced GMC Sierra 2500HD insurance in Bakersfield is to make a habit of regularly comparing prices from companies in California.
- Step 1: Try to learn a little about what coverages are included in your policy and the modifications you can make to prevent expensive coverage. Many factors that are responsible for high rates such as high-risk driving behaviors and an imperfect credit rating can be rectified by making minor changes to your lifestyle.
- Step 2: Obtain price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like GEICO or Allstate, while independent agencies can provide prices for a wide range of companies.
- Step 3: Compare the price quotes to your existing policy to see if switching to a new carrier will save money. If you find better rates, make sure there is no lapse in coverage.
A key point to remember is to make sure you’re comparing identical coverage information on each price quote and and to get prices from as many carriers as you can. This enables a level playing field and and a good selection of different prices.
For more information, feel free to browse the articles below:
- Vehicle Safety Ratings (iihs.org)
- Who Has the Cheapest Car Insurance Rates for Immigrants in Bakersfield? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Uber Drivers in Bakersfield? (FAQ)
- Who Has Affordable Car Insurance for Welfare Recipients in Bakersfield? (FAQ)
- Insurance Losses by Make and Model (iihs.org)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- Auto Insurance for Teen Drivers (Insurance Information Institute)