Finding economical car insurance for a GMC Sierra in Nebraska doesn’t take a lot of effort, but it is dependent upon a lot of rating factors such as the safety rating for your Sierra, your credit status, and the level of deductible you choose. Drivers will pay around $1,219 a year to insure their Sierra, but that amount is an estimation based upon a 40-year-old single female driver with full comprehensive and collision coverage and $250 deductibles.
But there is a good chance that you are not 40 and maybe not even a female, married instead of single, and you may just want the cheapest liability coverage you can find. Just a slight change in rating factors or requested coverage amount could end up in a significant change in the cost of insurance for a GMC Sierra.
This demonstrates why the only way to find cheap insurance prices for your GMC is to do the rate comparisons yourself. Get your free quotes now and you will be able to see rates from some of the best insurers around.
Vehicle trim level will be a contributing factor to the cost of insurance, so the price you pay to insure a Sierra SLE Regular Cab 2WD will cost $214 less than the insurance cost for the higher-priced Sierra Denali Crew Cab 4WD model, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra SLE Regular Cab 2WD||$222||$442||$390||$24||$116||$1,194||$100|
|Sierra SL Extended Cab 2WD||$222||$442||$390||$24||$116||$1,194||$100|
|Sierra SLE Crew Cab 2WD||$222||$442||$390||$24||$116||$1,194||$100|
|Sierra SL Crew Cab 2WD||$250||$520||$390||$24||$116||$1,300||$108|
|Sierra SLE Crew Cab 2WD||$250||$520||$390||$24||$116||$1,300||$108|
|Sierra SLE Regular Cab 4WD||$250||$520||$390||$24||$116||$1,300||$108|
|Sierra SLE Extended Cab 4WD||$250||$520||$390||$24||$116||$1,300||$108|
|Sierra SLE Crew Cab 4WD||$250||$520||$390||$24||$116||$1,300||$108|
|Sierra SLT Extended Cab 2WD||$250||$520||$390||$24||$116||$1,300||$108|
|Sierra SL Crew Cab 4WD||$250||$520||$390||$24||$116||$1,300||$108|
|Sierra SLT Extended Cab 4WD||$250||$520||$390||$24||$116||$1,300||$108|
|Sierra SLT Crew Cab 2WD||$250||$520||$390||$24||$116||$1,300||$108|
|Sierra SLT Crew Cab 4WD||$280||$598||$390||$24||$116||$1,408||$117|
|Sierra Denali Crew Cab 2WD||$280||$598||$390||$24||$116||$1,408||$117|
|Sierra Denali Crew Cab 4WD||$280||$598||$390||$24||$116||$1,408||$117|
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Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Price information does not factor in specific zip code location which can increase or decrease auto insurance rates significantly.
What is the best insurance company in Nebraska?
Finding a good quality auto insurance provider can be a challenge considering how many choices you have in Nebraska. The company ratings in the lists below can help you select which coverage providers you want to consider when comparing auto insurance rates for a GMC Sierra. The ratings below are for the companies with a significant amount of written premium nationwide, so smaller regional companies are not factored into these rankings.
Top 10 Large Auto Insurance Providers in Omaha Ranked by Customer Satisfaction
- USAA – 92%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- The Hartford – 87%
- Progressive – 87%
- AAA Insurance – 87%
- Farmers Insurance – 87%
- Liberty Mutual – 87%
Top 10 Large Auto Insurance Providers in Omaha Ranked by Value
- AAA Insurance
- Liberty Mutual
- State Farm
- Safeco Insurance
- 21st Century
Get discount Omaha insurance
Insurance companies that provide policies for a GMC Sierra may also offer special discounts that can reduce rates by 35% or more if you qualify. The best insurance companies and a selection of discounts can be found below.
- The Hartford may include discounts for air bag, good student, driver training, defensive driver, vehicle fuel type, and bundle.
- American Family offers premium reductions for defensive driver, Steer into Savings, early bird, bundled insurance, multi-vehicle, and accident-free.
- Progressive offers discounts including multi-vehicle, online quote discount, multi-policy, good student, and continuous coverage.
- Travelers may have discounts that include good student, continuous insurance, multi-policy, hybrid/electric vehicle, and new car.
- Farmers Insurance policyholders can earn discounts including early shopping, distant student, mature driver, good student, switch companies, and business and professional.
- USAA has savings for military installation, loyalty savings, defensive driver, family discount, and annual mileage.
- Liberty Mutual offers discounts for new graduate, new vehicle discount, multi-car, newly retired, and exclusive group savings.
The information below visualizes the comparison of premium costs with and without discounts applied to the rates. Data assumes a female driver, no driving violations, no at-fault accidents, Nebraska state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with accident-free, defensive driving course, homeowner, vehicle safety, anti-theft, and multiple policy discounts applied. In this example, the average amount saved each year on insurance for a GMC Sierra is 28% or $423.
Cautious drivers save money
The easiest method to receive the most affordable insurance rates in Omaha for a Sierra pickup is to drive safely and avoid tickets and accidents. The diagram below shows how violations and at-fault accidents drive up premium costs for each different age group. The price estimates are based on a married female driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.
In the example above, the average cost of car insurance per year with no accidents or violations is $1,224. Get two speeding tickets and the average cost rises to $1,733, an increase of $509 each year. Then include two accidents along with the two speeding tickets and the 12-month cost of insurance for a GMC Sierra goes up to an average of $3,780. That’s an increase of $2,556, or $213 per month, just for being a careless driver!
You may be paying too much for Sierra insurance
Omaha insurance rates are calculated based on many things that control the cost of your policy. Simply improving your credit, buying a different home, or getting a ticket for running a stop sign can trigger price changes resulting in some rates now being cheaper than competitors.
Not only may your situation change, but insurers modify rates as often as every quarter in order to remain profitable. Higher than usual claims may cause more expensive premiums, while lower claim levels may produce cheaper Sierra insurance rates.
As an example, the chart below shows which companies have the cheapest car insurance in Omaha, NE for a 45-year-old female driver with a clear driving record, no claims, and solid credit. Based on her current risk factors, Safeco offers the cheapest car insurance rates in Omaha at $878 annually. This is $438 less than the average price paid by Nebraska drivers of $1,316. The Hartford, Auto-Owners, Allied, and Farmers Mutual of Nebraska are the rest of the cheapest Omaha, NE auto insurance companies.
The example below compares rates after we give the driver from the first example a couple of claims, a little lower credit rating, and a few blemishes on her driving record. Due to the fact that each insurance company uses their own method for filing rates in each state, comparing rates will most likely result in a different set of the cheapest Omaha car insurance companies as shown below.
Farm Bureau Mutual now has the best car insurance rate in Omaha with State Farm, American National, USAA, and General Casualty now being in the top five. This example illustrates why it is critical to perform an extensive rate comparison to find the lowest insurance rates for a GMC Sierra. Prices are calculated by many factors and can decrease or increase without notice, so the best company when you bought your policy may now be an over-priced policy.
How to find more affordable insurance for a GMC Sierra
Here are some of the better money-saving ideas that can help drivers find low-cost auto insurance.
- Save money by insuring older vehicles for liability only
- Improve your credit
- Buying car and homeowners insurance together can save money
- Raise deductibles
- Lower rates by purchasing a safer vehicle
- Claim-free policyholders usually earn a discount
- Check for cheaper rates once a year
That last piece of advice is extremely valuable, as was discussed in this article. Insurance rates in Omaha change frequently, so don’t be tentative to change to a new company if a cheaper price is available. Having a favorite company is fine, but it’s not a good idea if that loyalty results in overpaying thousands of dollars over several years. If you have a few minutes, now is a great time to compare rates and find cheaper insurance for a GMC Sierra.
If you aren’t clear which coverage you need and would like to have a professional recommendation when buying car insurance for a Sierra pickup, the insurance agencies below can help you decide which car insurance policy is best.
To locate an Omaha insurance agent closest to you, click the button after the list.
Aaron Stockton – State Farm Insurance Agent
1411 N 72nd St – Omaha, NE 68114 – (402) 551-3455
Alvarez Insurance Agency
4629 S 23rd St – Omaha, NE 68107 – (402) 733-1878
3901 Q St – Omaha, NE 68107 – (402) 731-5965
Sherman Willis – State Farm Insurance Agent
4915 N 120th St Ste 107 – Omaha, NE 68164 – (402) 493-1000
AA Brokers Insurance Agency Inc.
2214 N 90th Plaza – Omaha, NE 68134 – (402) 392-1930