Affordable Cincinnati GMC Sierra Insurance

Discount GMC Sierra insuranceThe best way to find low-cost GMC Sierra insurance in Cincinnati is to annually compare prices from companies who provide auto insurance in Ohio.

A tip to remember is that you use identical limits and deductibles on each quote request and and to get price quotes from all possible companies. Doing this enables the most accurate price comparison and a good representation of prices.

Unfortunately, over 70% of consumers kept their coverage with the same insurance company for at least four years, and nearly the majority have never compared insurance rates at all. The average driver in Cincinnati could save as much as 55% each year by just comparing quotes, but most undervalue how much money they would save if they switched.

To find the best car insurance prices, there are several ways to obtain and compare prices from different Cincinnati insurance companies. The recommended way to comparison shop involves getting comparison quotes online.

Just remember that comparing a wide range of rates helps you find lower pricing.

The companies in the list below provide comparison quotes in Ohio. If you want the cheapest car insurance in Cincinnati, OH, it’s a good idea that you visit two to three different companies to find the lowest auto insurance rates.

Lower-cost Cincinnati insurance quotes with discounts

Insurance is easily one of your largest bills, but companies offer discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied when you quote, but once in a while a discount must be asked for before you get the savings. If you do not double check each discount you deserve, you may be paying too high a price.Insurance discounts

Don’t be shocked that many deductions do not apply to the entire cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, it’s just not the way it works. But any discount should help reduce your policy premiums.

The information below illustrates the comparison of GMC Sierra insurance rates with and without discounts applied. The data assumes a male driver, no accidents, no driving violations, Ohio state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, homeowner, multi-car, multi-policy, and marriage discounts applied.

Companies and some of the premium reductions they offer are shown below.

When comparing rates, check with every prospective company which discounts you qualify for. A few discounts might not be offered on policies in Cincinnati. To see a list of insurers who offer discounts in Ohio, click here to view.

Facts and figures for GMC Sierra insurance

The price information below showcases different coverage costs for GMC Sierra models. Learning a little about how policy premiums are established can be useful when making smart choices when purchasing an insurance policy.


GMC Sierra Insurance Rates in Cincinnati, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $94 $182 $238 $14 $72 $600 $50
Sierra SL Extended Cab 2WD $94 $182 $238 $14 $72 $600 $50
Sierra SLE Crew Cab 2WD $94 $182 $238 $14 $72 $600 $50
Sierra SL Crew Cab 2WD $106 $214 $238 $14 $72 $644 $54
Sierra SLE Crew Cab 2WD $106 $214 $238 $14 $72 $644 $54
Sierra SLE Regular Cab 4WD $106 $214 $238 $14 $72 $644 $54
Sierra SLE Extended Cab 4WD $106 $214 $238 $14 $72 $644 $54
Sierra SLE Crew Cab 4WD $106 $214 $238 $14 $72 $644 $54
Sierra SLT Extended Cab 2WD $106 $214 $238 $14 $72 $644 $54
Sierra SL Crew Cab 4WD $106 $214 $238 $14 $72 $644 $54
Sierra SLT Extended Cab 4WD $106 $214 $238 $14 $72 $644 $54
Sierra SLT Crew Cab 2WD $106 $214 $238 $14 $72 $644 $54
Sierra SLT Crew Cab 4WD $118 $248 $238 $14 $72 $690 $58
Sierra Denali Crew Cab 2WD $118 $248 $238 $14 $72 $690 $58
Sierra Denali Crew Cab 4WD $118 $248 $238 $14 $72 $690 $58
Get Your Own Custom Quote Go

Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Prices do not factor in specific Cincinnati garaging location which can lower or raise coverage rates significantly.

Deductible analysis

One common question asked by Cincinnati drivers is which deductibles should you choose. The rates below approximate the cost difference between low and high deductibles. The first rate estimation uses a $100 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.


GMC Sierra insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $196 $352 $226 $14 $68 $881 $73
Sierra SL Extended Cab 2WD $196 $352 $226 $14 $68 $881 $73
Sierra SLE Crew Cab 2WD $196 $352 $226 $14 $68 $881 $73
Sierra SL Crew Cab 2WD $220 $416 $226 $14 $68 $969 $81
Sierra SLE Crew Cab 2WD $220 $416 $226 $14 $68 $969 $81
Sierra SLE Regular Cab 4WD $220 $416 $226 $14 $68 $969 $81
Sierra SLE Extended Cab 4WD $220 $416 $226 $14 $68 $969 $81
Sierra SLE Crew Cab 4WD $220 $416 $226 $14 $68 $969 $81
Sierra SLT Extended Cab 2WD $220 $416 $226 $14 $68 $969 $81
Sierra SL Crew Cab 4WD $220 $416 $226 $14 $68 $969 $81
Sierra SLT Extended Cab 4WD $220 $416 $226 $14 $68 $969 $81
Sierra SLT Crew Cab 2WD $220 $416 $226 $14 $68 $969 $81
Sierra SLT Crew Cab 4WD $246 $478 $226 $14 $68 $1,057 $88
Sierra Denali Crew Cab 2WD $246 $478 $226 $14 $68 $1,057 $88
Sierra Denali Crew Cab 4WD $246 $478 $226 $14 $68 $1,057 $88
Get Your Own Custom Quote Go

GMC Sierra insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $108 $186 $226 $14 $68 $602 $50
Sierra SL Extended Cab 2WD $108 $186 $226 $14 $68 $602 $50
Sierra SLE Crew Cab 2WD $108 $186 $226 $14 $68 $602 $50
Sierra SL Crew Cab 2WD $122 $220 $226 $14 $68 $650 $54
Sierra SLE Crew Cab 2WD $122 $220 $226 $14 $68 $650 $54
Sierra SLE Regular Cab 4WD $122 $220 $226 $14 $68 $650 $54
Sierra SLE Extended Cab 4WD $122 $220 $226 $14 $68 $650 $54
Sierra SLE Crew Cab 4WD $122 $220 $226 $14 $68 $650 $54
Sierra SLT Extended Cab 2WD $122 $220 $226 $14 $68 $650 $54
Sierra SL Crew Cab 4WD $122 $220 $226 $14 $68 $650 $54
Sierra SLT Extended Cab 4WD $122 $220 $226 $14 $68 $650 $54
Sierra SLT Crew Cab 2WD $122 $220 $226 $14 $68 $650 $54
Sierra SLT Crew Cab 4WD $136 $252 $226 $14 $68 $696 $58
Sierra Denali Crew Cab 2WD $136 $252 $226 $14 $68 $696 $58
Sierra Denali Crew Cab 4WD $136 $252 $226 $14 $68 $696 $58
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Estimates do not factor in specific garaging location which can affect coverage prices considerably.

Based on these figures, using a $100 deductible will cost you about $27 more each month or $324 a year than quoting the higher $1,000 deductible. Since you would have to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 33 months between claim filings, you would more than likely save some money by going with a higher deductible. The illustration below shows a better example of how we made this calculation.

Average monthly premium for $100 deductibles: $81
Average monthly premium for $1,000 deductibles (subtract): – $54
Monthly savings from raising deductible: $27
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $27
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 33 months

One thing to note is that raising deductibles to get cheaper rates means you will have to pay more when you have to file a claim. You must have some extra funds in the event you need to pay the deductible for vehicle repair.

The example below shows how different deductible levels and can influence GMC Sierra insurance rates for each age group. The premiums are based on a married male driver, full coverage, and no policy discounts are applied.

Auto insurance rates by age and gender in Cincinnati

The chart below shows the difference between GMC Sierra insurance prices for male and female drivers. The rate quotes are based on no claims or driving violations, full coverage, $100 deductibles, single marital status, and no discounts are applied.

Full coverage rates compared to liability-only

The chart below visualizes the comparison of GMC Sierra insurance costs when comparing full coverage to liability only. The rates are based on no accidents, no driving violations, $250 deductibles, marital status is single, and no discounts are taken into consideration.

When to drop comprehensive and collision

There is no set guideline of when to exclude full coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than 10% of the settlement you would receive from your company, then it could be time to drop full coverage.

For example, let’s assume your GMC Sierra claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company will settle for is $5,000 after you pay the deductible. If premium cost is more than $500 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.

There are some conditions where only buying liability is not a good idea. If you still owe a portion of the original loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Buy Cheaper Car Insurance with These Tips

An important part of buying insurance is that you know the rating factors that help determine your car insurance rates. When you know what positively or negatively influences your rates, this allows you to make educated decisions that can earn you lower rates. Many things are part of the calculation when you quote your car insurance policy. A few of the factors are predictable such as your driving record, but other factors are more transparent like your continuous coverage or your financial responsibility.

Comparing quotes from local Cincinnati insurance agencies

Some people would prefer to have an agent’s advice and that is just fine! An additional benefit of price shopping on the web is you may find cheap rate quotes but also keep your business local. Buying from small agencies is important particularly in Cincinnati.

Insurance agency in CincinnatiTo help locate an agent, after submitting this simple form, the coverage information is transmitted to companies in Cincinnati who will gladly provide quotes to get your business. It’s much easier because you don’t need to visit any agencies because quoted prices will be sent immediately to you. It’s the lowest rates AND an agent nearby. If you wish to get a comparison quote from one company in particular, just go to their quote page to submit a rate quote request.

Finding the right company requires you to look at more than just the bottom line cost. These are valid questions to ask:

Best car insurance in Ohio

Selecting the highest-rated car insurance company can be a challenge considering how many companies are available to choose from in Ohio. The rank data shown next can help you select which providers to look at comparing prices from.

Top 10 Cincinnati Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 92%
  2. Erie Insurance – 88%
  3. American Family – 88%
  4. State Farm – 88%
  5. Nationwide – 88%
  6. 21st Century – 88%
  7. AAA Insurance – 87%
  8. Liberty Mutual – 87%
  9. Farmers Insurance – 87%
  10. The Hartford – 87%

The best insurance company isn’t always the cheapest

Budget-conscious GMC Sierra insurance is attainable from both online companies and with local Cincinnati insurance agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who don’t offer rate quotes online and these smaller companies sell through independent agents.

Drivers leave their current company for any number of reasons including denial of a claim, poor customer service, high prices and even policy cancellation. Whatever your reason, finding a new company is pretty simple and you could end up saving a buck or two.

As you prepare to switch companies, it’s very important that you do not skimp on critical coverages to save a buck or two. There are many occasions where someone sacrificed collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage at the lowest possible cost while not skimping on critical coverages.

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