Trying to find cheaper insurance for a new or used GMC Sierra 3500HD in Massachusetts can turn out to be an all-consuming task, but you can learn our car insurance buying tips to make it easier. There are both good and bad ways to find car insurance online and you need to know the quickest way to quote coverages for your GMC and locate the lowest possible price either online or from Boston insurance agents.
Unimaginable but true, most car insurance policyholders kept their coverage with the same car insurance company for four years or more, and nearly half have never even compared quotes to find lower-cost rates. Many consumers in Boston could save up to 45% a year, but they just don’t want to compare rate quotes online.
It’s important to check car insurance prices before your policy renews because prices are rarely the same from one policy term to another. Just because you found the best price on GMC Sierra 3500HD insurance in Boston last year other companies may now be cheaper. Ignore everything you know about car insurance because I’m going to teach you how to quote online to find better rates and still maintain coverage.
If you have coverage now or just want to reduce your rates, use these money-saving tips to lower your rates without reducing protection. Comparing quotes for the lowest cost insurance coverage in Boston is not as confusing as people think. Comparison shoppers just have to use the best way to compare insurance rates from multiple carriers.
The companies shown below are our best choices to provide free rate quotes in Massachusetts. To buy the cheapest auto insurance in MA, it’s a good idea that you visit several of them in order to find the most affordable rates.
Cheap Boston car insurance rates with discounts
Properly insuring your vehicles can get expensive, but you might find some hidden discounts that can dramatically reduce your bill. Some discounts apply automatically when you quote, but occasionally some discounts must be asked about before being credited.
- Multiple Vehicles – Drivers who insure several vehicles with the same company could earn a price break for each car.
- Switch and Save Discount – Some car insurance companies give discounts for signing up before your current coverage expires. You could save around 10% when you buy Boston car insurance online.
- Low Mileage – Low mileage vehicles may allow you to get substantially lower rates.
- Drivers Education – Teen drivers should enroll and complete driver’s education if it’s offered in school.
- Bundled Policy Discount – If you can combine your auto and home policy with the same company you could earn a discount of as much as 10 to 15 percent.
As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, that’s just not realistic.
The illustration below visualizes the comparison of GMC Sierra 3500HD insurance premiums with and without discounts applied to the policy rates. The data assumes a male driver, no violations or claims, Massachusetts 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, claim-free, safe-driver, multi-policy, marriage, and homeowner discounts applied.
A list of car insurance companies and a summarized list of policyholder discounts can be found below.
- State Farm has savings for accident-free, defensive driving training, Steer Clear safe driver discount, multiple policy, good student, student away at school, and anti-theft.
- American Family includes discounts for air bags, good driver, defensive driver, mySafetyValet, Steer into Savings, and multi-vehicle.
- AAA policyholders can earn discounts including AAA membership discount, multi-car, anti-theft, good student, and good driver.
- GEICO may include discounts for federal employee, anti-lock brakes, good student, membership and employees, air bags, and driver training.
- Mercury Insurance offers discounts including multi-car, anti-theft, low natural disaster claims, good student, and ease of repair.
- Farmers Insurance may offer discounts for bundle discounts, pay in full, distant student, mature driver, early shopping, good student, and youthful driver.
- Progressive has discounts for good student, continuous coverage, homeowner, multi-policy, multi-vehicle, online quote discount, and online signing.
It’s a good idea to ask all the companies which discounts can lower your rates. All car insurance discounts might not be offered in every state. To view insurance companies with discount car insurance rates in Massachusetts, follow this link.
The premium information below outlines a range of insurance prices for GMC Sierra 3500HD models. Having a good grasp of how insurance rates are established can benefit drivers when making decisions on the best policy to buy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra 3500HD SLE Regular Cab 2WD||$206||$352||$320||$18||$96||$992||$83|
|Sierra 3500HD SLE Regular Cab 4WD||$206||$404||$402||$24||$120||$1,156||$96|
|Sierra 3500HD SLE Crew Cab 2WD||$206||$352||$320||$18||$96||$992||$83|
|Sierra 3500HD SLE Extended Cab 2WD||$206||$352||$320||$18||$96||$992||$83|
|Sierra 3500HD SLE Extended Cab 4WD||$206||$404||$402||$24||$120||$1,156||$96|
|Sierra 3500HD SLE Crew Cab 4WD||$206||$404||$402||$24||$120||$1,156||$96|
|Sierra 3500HD SLT Extended Cab 2WD||$206||$352||$320||$18||$96||$992||$83|
|Sierra 3500HD SLT Crew Cab 4WD||$206||$404||$402||$24||$120||$1,156||$96|
|Sierra 3500HD SLT Extended Cab 4WD||$206||$404||$402||$24||$120||$1,156||$96|
|Sierra 3500HD SLT Crew Cab 2WD||$226||$404||$320||$18||$96||$1,064||$89|
|Get Your Own Custom Quote Go|
Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in specific location which can decrease or increase prices considerably.
The illustration below highlights how deductible selection and can raise or lower GMC Sierra 3500HD insurance premiums for each different age group. The rates are based on a married male driver, full coverage, and no discounts are applied.
Which car insurance company is best in Boston?
Insuring your vehicle with the highest-rated car insurance provider can be rather challenging considering how many different companies insure vehicles in Boston. The information in the next section may help you pick which auto insurance companies you want to consider comparing price quotes from.
Top 10 Boston Car Insurance Companies by A.M. Best Rank
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Allstate – A+
- Nationwide – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Mercury Insurance – A+
Top 10 Boston Car Insurance Companies Ranked by Claims Service
- Liberty Mutual
- State Farm
- Titan Insurance
- The General
- 21st Century
Why Your Insurance Rates might be higher
Consumers need to have an understanding of a few of the rating criteria that help calculate car insurance rates. When you know what positively or negatively influences your rates, this helps enable you to make changes that could result in lower premium levels.
Gals tend to be lower risk – Over the last 50 years, statistics have shown females are less aggressive when driving. That doesn’t necessarily mean that females are better drivers. Males and females are responsible for fender benders at a similar rate, but men cause more damage. In addition to higher claims, males also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly.
The example below compares GMC Sierra 3500HD insurance costs for male and female drivers. The costs are based on no claims, a clean driving record, full coverage, $500 deductibles, drivers are single, and no discounts are applied to the premium.
Teen vs. experienced drivers – Teenage drivers in Massachusetts have a tendency to be easily distracted when behind the wheel therefore car insurance rates are much higher. Having to add a young driver to your car insurance policy will cause a huge premium hike. More mature drivers are viewed as being more responsible, file fewer claims, and receive fewer citations.
The following chart assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.
A good credit rating can save money – Having a good credit rating is a big factor in determining premium rates. If your credit score can use some improvement, you could pay less to insure your GMC Sierra 3500HD by improving your rating. Drivers with high credit ratings tend to file fewer claims than drivers who have poor credit scores.
Lower rates for married couples – Having a spouse may cut your premiums on car insurance. It translates into being more mature and statistics prove drivers who are married file infrequent claims.
High deductibles equal low rates – Comprehensive and collision coverage deductibles define the amount you are required to spend if a covered claim is submitted. Protection for physical damage, aka comp and collision, is used to repair damage to your car. A few examples of covered claims would be rear-ending another vehicle, vandalism, or theft of your vehicle. The more damage repair cost you’re willing to pay, the less your company will charge you for insurance.
Cautious drivers pay lower rates – A bad driving record impacts your car insurance rates tremendously. Drivers with clean records have lower premiums than bad drivers. Just one speeding ticket or other violation can bump up the cost by twenty percent. Drivers who get careless tickets such as reckless driving or DUI are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.
The example below demonstrates how traffic citations and at-fault claims raise GMC Sierra 3500HD insurance rates for different age categories. The prices are based on a single male driver, full coverage, $500 deductibles, and no discounts are applied to the premium.