It takes a few minutes, but the best way to get discount GMC Sierra insurance in San Jose is to start comparing rates regularly from insurance carriers who provide car insurance in California. Prices can be compared by completing these steps.
- First, spend some time learning about how auto insurance works and the changes you can make to keep rates in check. Many factors that cause high rates like tickets, at-fault accidents, and a less-than-favorable credit history can be remedied by making minor driving habit or lifestyle changes. Read the full article for tips to prevent rate hikes and find possible discounts that are available.
- Second, get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from one company like Progressive or State Farm, while agents who are independent can quote rates from multiple sources. Select a company
- Third, compare the quotes to your existing policy to see if a cheaper price is available in San Jose. If you can save some money, make sure coverage is continuous and does not lapse.
The key aspect of shopping around is that you’ll want to compare the same level of coverage on each quote request and and to get price quotes from as many different insurance providers as possible. Doing this helps ensure a fair price comparison and the best price quote selection.
It’s a fact that car insurance companies don’t want you comparing rates. People who get price quotes annually will, in all likelihood, switch insurance companies because there is a great chance of getting low-cost coverage. A recent study showed that consumers who regularly shopped around saved as much as $3,400 over four years compared to drivers who didn’t regularly shop around.
If finding the cheapest rates on auto insurance in San Jose is your objective, then understanding how to get free comparison quotes and analyze insurance coverage can make the process more efficient.
Score discounts on San Jose car insurance
Car insurance companies don’t list all discounts very clearly, so the next list breaks down both well-publicized in addition to some of the lesser obvious car insurance savings.
- Life Insurance Discount – If the company offers life insurance, you could get a discount if you purchase auto and life insurance together.
- Discount for Swiching Early – A few insurance companies give discounts for switching to them early. This can save 10% or more.
- Anti-lock Brakes – Cars with ABS and/or traction control are much safer to drive and qualify for as much as a 10% discount.
- Discount for New Cars – Adding a new car to your policy can get you a discount because new vehicles have to meet stringent safety requirements.
- Home Ownership Discount – Just owning your own home can save a few bucks since owning and maintaining a home requires personal responsibility.
- Student Discount for Driver Training – Have your child successfully complete driver’s ed class in school or through a local driver safety program.
- Lower Rates for Military – Being on active duty in the military may lower your premium rates slightly.
- Driving Data Discount – Insureds who allow their car insurance company to track driving patterns remotely like Drivewise from Allstate or In-Drive from State Farm might get better premium rates as long as the data is positive.
Don’t be shocked that some of the credits will not apply to your bottom line cost. Most only reduce individual premiums such as medical payments or collision. So when it seems like all those discounts means the company will pay you, it just doesn’t work that way.
The diagram below shows the difference between GMC Sierra annual premium costs with and without discounts applied to the policy premium. The rates are based on a male driver, no claims, a clean driving record, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, multi-policy, marriage, claim-free, and safe-driver discounts applied.
Auto insurance companies who might offer most of these discounts include:
Check with every insurance company to apply every possible discount. Discounts may not be offered in every state.
Getting a cheap price on insurance can be surprisingly simple. The only requirement is to spend a few minutes on the computer to compare rate quotes to see which company has cheaper San Jose auto insurance quotes.
The companies in the list below are our best choices to provide comparison quotes in San Jose, CA. If more than one company is shown, we recommend you get price quotes from several of them to get the lowest price.
GMC Sierra insurance rates and statistics
The data table shown below outlines estimates of prices for GMC Sierra models. Understanding more about how auto insurance prices are established can help drivers make decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra SLE Regular Cab 2WD | $316 | $464 | $578 | $34 | $174 | $1,566 | $131 |
| Sierra SL Extended Cab 2WD | $316 | $464 | $578 | $34 | $174 | $1,566 | $131 |
| Sierra SLE Crew Cab 2WD | $316 | $464 | $578 | $34 | $174 | $1,566 | $131 |
| Sierra SL Crew Cab 2WD | $358 | $546 | $578 | $34 | $174 | $1,690 | $141 |
| Sierra SLE Crew Cab 2WD | $358 | $546 | $578 | $34 | $174 | $1,690 | $141 |
| Sierra SLE Regular Cab 4WD | $358 | $546 | $578 | $34 | $174 | $1,690 | $141 |
| Sierra SLE Extended Cab 4WD | $358 | $546 | $578 | $34 | $174 | $1,690 | $141 |
| Sierra SLE Crew Cab 4WD | $358 | $546 | $578 | $34 | $174 | $1,690 | $141 |
| Sierra SLT Extended Cab 2WD | $358 | $546 | $578 | $34 | $174 | $1,690 | $141 |
| Sierra SL Crew Cab 4WD | $358 | $546 | $578 | $34 | $174 | $1,690 | $141 |
| Sierra SLT Extended Cab 4WD | $358 | $546 | $578 | $34 | $174 | $1,690 | $141 |
| Sierra SLT Crew Cab 2WD | $358 | $546 | $578 | $34 | $174 | $1,690 | $141 |
| Sierra SLT Crew Cab 4WD | $398 | $630 | $578 | $34 | $174 | $1,814 | $151 |
| Sierra Denali Crew Cab 2WD | $398 | $630 | $578 | $34 | $174 | $1,814 | $151 |
| Sierra Denali Crew Cab 4WD | $398 | $630 | $578 | $34 | $174 | $1,814 | $151 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Prices do not factor in specific zip code location which can influence coverage rates significantly.
Should you raise deductibles?
When comparing car insurance rates, the most common question is how high should the deductibles for physical damage be. The figures shown below sum up the costs and benefits between low and high deductibles. The first data table uses a $250 deductible for physical damage and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra SLE Regular Cab 2WD | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| Sierra SL Extended Cab 2WD | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| Sierra SLE Crew Cab 2WD | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| Sierra SL Crew Cab 2WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Sierra SLE Crew Cab 2WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Sierra SLE Regular Cab 4WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Sierra SLE Extended Cab 4WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Sierra SLE Crew Cab 4WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Sierra SLT Extended Cab 2WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Sierra SL Crew Cab 4WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Sierra SLT Extended Cab 4WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Sierra SLT Crew Cab 2WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Sierra SLT Crew Cab 4WD | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| Sierra Denali Crew Cab 2WD | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| Sierra Denali Crew Cab 4WD | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra SLE Regular Cab 2WD | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Sierra SL Extended Cab 2WD | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Sierra SLE Crew Cab 2WD | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Sierra SL Crew Cab 2WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Sierra SLE Crew Cab 2WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Sierra SLE Regular Cab 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Sierra SLE Extended Cab 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Sierra SLE Crew Cab 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Sierra SLT Extended Cab 2WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Sierra SL Crew Cab 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Sierra SLT Extended Cab 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Sierra SLT Crew Cab 2WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Sierra SLT Crew Cab 4WD | $266 | $490 | $442 | $26 | $132 | $1,356 | $113 |
| Sierra Denali Crew Cab 2WD | $266 | $490 | $442 | $26 | $132 | $1,356 | $113 |
| Sierra Denali Crew Cab 4WD | $266 | $490 | $442 | $26 | $132 | $1,356 | $113 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Rate quotes do not factor in specific zip code location which can change price quotes greatly.
Based on these figures, using a $250 deductible will cost you about $36 more each month or $432 annually averaged for all Sierra models than opting for the higher $1,000 deductible. Since you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you have at least 21 months between claims, you would probably save some money going with the higher deductible.
The example below highlights how deductible choice and can impact GMC Sierra insurance costs for different age categories. The premium estimates are based on a single female driver, comp and collision included, and no other discounts are factored in.
GMC Sierra insurance costs by gender and age
The example below shows the comparison of GMC Sierra insurance premiums for male and female drivers. The premiums assume no claims, a clean driving record, comprehensive and collision coverage, $250 deductibles, drivers are single, and no other discounts are factored in.
GMC Sierra liability-only versus full coverage
The information below illustrates the difference between GMC Sierra auto insurance costs with full physical damage coverage compared to only buying liability only. Data assumes no claims or driving citations, $100 deductibles, single marital status, and no discounts are applied to the premium.
When to drop comprehensive and collision
There is no specific rule for eliminating physical damage insurance, but there is a general guideline. If the annual cost of coverage is more than around 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.
For example, let’s say your GMC Sierra replacement value is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $5,000 after the deductible is paid. If premiums are more than $500 annually for comprehensive and collision coverage, then it might be time to buy liability only.
There are some scenarios where eliminating full coverage is not recommended. If you haven’t satisfied your loan, you have to carry full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
You may need specialized insurance coverage
Always keep in mind that when comparing adequate coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply.
Here are some questions about coverages that can aid in determining whether you might need an agent’s assistance.
- I have good health insurance, so how much medical payments coverage do I need?
- Does my policy pay for OEM or aftermarket parts?
- What is high-risk coverage and where do I buy it?
- Is my trailer covered?
- Do I have coverage when making deliveries for my home business?
- Are split liability limits better than a combined single limit?
- Should I put collision coverage on all my vehicles?
- Is coverage enough to protect my assets?
- Am I covered if hit by an uninsured driver?
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.
Compare prices but still have a local San Jose insurance agency
Many drivers prefer to get professional advice from a licensed agent and that is not a bad decision Insurance agents will help you protect your assets and help in the event of a claim. A nice benefit of comparing rates online is the fact that drivers can get cheap rate quotes but also keep your business local. Buying from and supporting local agencies is still important in San Jose.
To make it easy to find an agent, after completing this form (opens in new window), your coverage information is sent to local insurance agents in San Jose who can give free rate quotes for your auto insurance coverage. There is no reason to find an agent on your own since price quotes are sent to you instantly. If you need to get a comparison quote from one company in particular, you just need to go to their quote page and complete a quote there.
Do you need an independent or exclusive auto insurance agent?
If you are searching for a local San Jose insurance agency, there are a couple of types of agencies and how they can write your policy. Insurance agencies in San Jose are categorized either exclusive or independent (non-exclusive). Both types can do a good job, but it’s a good idea to understand how they are different since it can impact the kind of agent you use.
Independent Agents
Independent agents are normally appointed by many insurers so they can insure your vehicles through many different auto insurance companies and help determine which has the cheapest rates. If premiums increase, your agent can just switch to a different company which requires no work on your part. When comparing rates, it’s a good idea to get insurance quotes from at least one independent agent to have the most options to choose from. Most independent agents also contract with smaller mutual companies that can offer cheaper rates than bigger companies.
Below is a list of independent agencies in San Jose who can help you get competitive price quotes.
- Gatewood Insurance Agency Inc
1095 Bird Ave #2 – San Jose, CA 95125 – (408) 298-1611 – View Map - HealthMarkets Insurance Agency
543 W Capitol Expy – San Jose, CA 95136 – (408) 441-7777 – View Map - Taylor Benefits Insurance Agency
4820 Harwood Rd #130 – San Jose, CA 95124 – (408) 358-7502 – View Map
Exclusive Insurance Agents
Agents that choose to be exclusive write business for a single company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot shop your coverage around so they are skilled at selling on more than just price. Exclusive agencies are trained well on their products and sales techniques and that can be a competitive advantage. Drivers often use the same exclusive agent mostly because of the brand name and solid financial strength.
The following are San Jose exclusive agencies that are able to give rate quotes.
- Van (Von) Le – State Farm Insurance Agent
301 N Jackson Ave #12 – San Jose, CA 95133 – (408) 259-8826 – View Map - Debbie Yang – State Farm Insurance Agent
3484 Stevens Creek Blvd Ste A – San Jose, CA 95117 – (408) 261-1623 – View Map - Burch Boehner – State Farm Insurance Agent
201 E Taylor St #2 – San Jose, CA 95112 – (408) 287-8190 – View Map
Picking an car insurance agent shouldn’t rely on just a low price. These are some questions you should get answers to.
- Do they offer claims assistance after hours?
- Is vehicle damage repaired with OEM or aftermarket parts?
- How long has their agency been open in San Jose?
- Which insurance company do they prefer to write with?
- Where are claims handled?
- Is their price quote a firm figure or are their hidden costs?
- Does the agent recommend any additional coverage?
More comparisons equals cheaper rates
As you restructure your insurance plan, it’s a bad idea to buy poor coverage just to save money. There are too many instances where an insured dropped physical damage coverage and discovered at claim time that it was a big error on their part. Your focus should be to buy a smart amount of coverage for the lowest cost while still protecting your assets.
You just learned some good ideas how to shop for GMC Sierra insurance online. The key concept to understand is the more times you quote, the higher the chance of saving money. Drivers may even discover the most savings is with a small local company. They may only write in your state and offer lower prices than their larger competitors like Progressive or GEICO.
Much more information about car insurance in California can be found below:
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Who Has Cheap Car Insurance for a Ford F-150 in San Jose? (FAQ)
- Who Has Cheap Auto Insurance Rates for Immigrants in San Jose? (FAQ)
- Who Has Affordable San Jose Auto Insurance for Infrequent Drivers? (FAQ)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Understanding Your Insurance Deductible (Insurance Information Institute)