Shopping for the lowest cost Columbia GMC Sierra insurance quotes can appear to be somewhat difficult for vehicle owners that are relatively new to comparing rates over the internet. With so many companies in the marketplace, how are vehicle owners expected to be able to compare all the different companies and get better rates?

Insurance quote for GMC Sierra in ColumbiaAstonishing but true according to a recent study, almost 70% of drivers have stayed with the same insurance company for more than four years, and just under half have never compared rate quotes at all. South Carolina insurance shoppers could save almost 55% a year just by comparing rates, but most tend to underestimate the amount of money they would save if they changed companies.

Many insurance companies such as Progressive, GEICO, Allstate and State Farm give coverage prices directly from their websites. Getting online rates for GMC Sierra insurance in Columbia is quite easy because you just enter your coverage preferences into the quote form. Behind the scenes, their rating system automatically retrieves reports for credit and driving violations and gives you a price quote based on the information you submitted.

Quoting online for GMC Sierra insurance in Columbia makes it simple to compare prices and it's also necessary to have as many quotes as possible if you are searching for the cheapest price on car insurance.

In order to use this form to compare rates, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend you replicate coverages and limits exactly as they are listed on your policy. Doing this guarantees you will be getting an apples-to-apples comparison based on identical coverages.

The companies shown below are ready to provide comparison quotes in South Carolina. If more than one company is shown, we suggest you visit several of them in order to get a fair rate comparison.

GMC Sierra Insurance Rates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $184 $352 $386 $22 $116 $1,060 $88
Sierra SL Extended Cab 2WD $288 $610 $412 $24 $124 $1,458 $122
Sierra SLE Crew Cab 2WD $252 $520 $386 $22 $116 $1,296 $108
Sierra SL Crew Cab 2WD $256 $540 $386 $22 $116 $1,320 $110
Sierra SLE Crew Cab 2WD $286 $592 $444 $26 $132 $1,480 $123
Sierra SLE Regular Cab 4WD $378 $624 $448 $26 $134 $1,610 $134
Sierra SLE Extended Cab 4WD $178 $322 $348 $20 $104 $972 $81
Sierra SLE Crew Cab 4WD $180 $378 $412 $24 $124 $1,118 $93
Sierra SLT Extended Cab 2WD $256 $540 $386 $22 $116 $1,320 $110
Sierra SL Crew Cab 4WD $232 $446 $328 $20 $98 $1,124 $94
Sierra SLT Extended Cab 4WD $230 $434 $320 $18 $96 $1,098 $92
Sierra SLT Crew Cab 2WD $256 $514 $386 $22 $116 $1,294 $108
Sierra SLT Crew Cab 4WD $232 $476 $386 $22 $116 $1,232 $103
Sierra Denali Crew Cab 2WD $286 $590 $358 $22 $108 $1,364 $114
Sierra Denali Crew Cab 4WD $176 $372 $386 $22 $116 $1,072 $89
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Price information does not factor in specific garaging location which can influence coverage rates substantially.

How high should deductibles be?

A question often asked by Columbia drivers is which deductible level should you buy. The comparisons below may help to illustrate the premium difference when you choose different comp and collision deductibles. The first set of rates uses a $100 deductible for physical damage and the second price grid uses a $1,000 deductible.

GMC Sierra insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $294 $530 $342 $20 $102 $1,313 $109
Sierra SL Extended Cab 2WD $294 $530 $342 $20 $102 $1,313 $109
Sierra SLE Crew Cab 2WD $294 $530 $342 $20 $102 $1,313 $109
Sierra SL Crew Cab 2WD $332 $624 $342 $20 $102 $1,445 $120
Sierra SLE Crew Cab 2WD $332 $624 $342 $20 $102 $1,445 $120
Sierra SLE Regular Cab 4WD $332 $624 $342 $20 $102 $1,445 $120
Sierra SLE Extended Cab 4WD $332 $624 $342 $20 $102 $1,445 $120
Sierra SLE Crew Cab 4WD $332 $624 $342 $20 $102 $1,445 $120
Sierra SLT Extended Cab 2WD $332 $624 $342 $20 $102 $1,445 $120
Sierra SL Crew Cab 4WD $332 $624 $342 $20 $102 $1,445 $120
Sierra SLT Extended Cab 4WD $332 $624 $342 $20 $102 $1,445 $120
Sierra SLT Crew Cab 2WD $332 $624 $342 $20 $102 $1,445 $120
Sierra SLT Crew Cab 4WD $370 $720 $342 $20 $102 $1,579 $132
Sierra Denali Crew Cab 2WD $370 $720 $342 $20 $102 $1,579 $132
Sierra Denali Crew Cab 4WD $370 $720 $342 $20 $102 $1,579 $132
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GMC Sierra insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $162 $280 $342 $20 $102 $906 $76
Sierra SL Extended Cab 2WD $162 $280 $342 $20 $102 $906 $76
Sierra SLE Crew Cab 2WD $162 $280 $342 $20 $102 $906 $76
Sierra SL Crew Cab 2WD $184 $330 $342 $20 $102 $978 $82
Sierra SLE Crew Cab 2WD $184 $330 $342 $20 $102 $978 $82
Sierra SLE Regular Cab 4WD $184 $330 $342 $20 $102 $978 $82
Sierra SLE Extended Cab 4WD $184 $330 $342 $20 $102 $978 $82
Sierra SLE Crew Cab 4WD $184 $330 $342 $20 $102 $978 $82
Sierra SLT Extended Cab 2WD $184 $330 $342 $20 $102 $978 $82
Sierra SL Crew Cab 4WD $184 $330 $342 $20 $102 $978 $82
Sierra SLT Extended Cab 4WD $184 $330 $342 $20 $102 $978 $82
Sierra SLT Crew Cab 2WD $184 $330 $342 $20 $102 $978 $82
Sierra SLT Crew Cab 4WD $204 $380 $342 $20 $102 $1,048 $87
Sierra Denali Crew Cab 2WD $204 $380 $342 $20 $102 $1,048 $87
Sierra Denali Crew Cab 4WD $204 $380 $342 $20 $102 $1,048 $87
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Price information does not factor in Columbia location which can impact auto insurance rates significantly.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs about $38 more each month or $456 every year than choosing the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average at a minimum 24 months between claim filings, you would probably come out ahead if you elect the higher deductible.

Insurance protects more than just your car

Despite the fact that insurance is not cheap in Columbia, insurance is mandatory in South Carolina but it also protects more than you think.

The benefits of having insurance more than cancel out the cost, especially if you ever need it. Unknowingly, the average driver is wasting up to $800 each year so smart consumers compare quotes once a year at a minimum to ensure rates are competitive.

These discounts can lower your insurance rates

Auto insurance companies do not advertise every discount they offer in an easy-to-find place, so the list below gives a summary of some of the more common as well as the least known credits that you can use to lower your rates.Cheaper insurance with discounts

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. Most cut specific coverage prices like comp or med pay. Despite the appearance that you could get a free insurance policy, it's just not the way it works.

To view insurance companies that offer discounts in Columbia, click here to view.

Comparing prices from local Columbia insurance agents

Many people still like to visit with an insurance agent and we recommend doing that One of the best bonuses of comparing rates online is you can get cheap insurance rates and still choose a local agent.

Find insurance agent in ColumbiaFor easy comparison, once you complete this form (opens in new window), your insurance coverage information gets sent to agents in your area that provide free Columbia car insurance quotes for your insurance coverage. You won't need to find an agent since rate quotes are delivered immediately to you. You can most likely find cheaper rates and work with a local agent. If for some reason you want to compare prices from a specific company, you can always visit that company's website and submit a quote form there.

Choosing an company needs to be determined by more than just a cheap price quote. Any good agent in Columbia should know the answers to these questions.

If you are wanting to purchase insurance from a local agent, it's helpful to know the different types of agencies and how they operate. Insurance agents in Columbia can either be exclusive agents or independent agents.

Exclusive Insurance Agencies

Exclusive agents write business for a single company such as Farmers Insurance, State Farm, or Allstate. These agents are unable to compare rates from other companies so they have to upsell other benefits. Exclusive agencies are trained well on what they offer and that can be a competitive advantage. A lot of people purchase coverage from exclusives mainly due to loyalty to the company and the convenience of having all coverages with one company.

Shown below are exclusive insurance agents in Columbia that are able to give comparison quotes.

More insurance agents

Independent Insurance Agents

These agents often have affiliation with several companies and that is an advantage because they can write policies with lots of companies and possibly get better coverage at lower prices. If you are not satisfied with one company, an independent agent can move your coverage and the insured can keep the same agent. When comparing rates, you absolutely need to compare prices from several independent agencies to get the best comparison. Many can place coverage with different regional companies that may provide cheaper insurance rates.

Below is a list of independent agents in Columbia that can give you rate quotes.

More insurance agents

Persistence is the key to cheaper rates

Consumers change insurance companies for many reasons like lack of trust in their agent, not issuing a premium refund, high prices or even policy cancellation. Regardless of your reason for switching companies, finding a great new company can be less work than you think.

Lower-priced GMC Sierra insurance in Columbia can be found from both online companies and from local insurance agents, so you need to quote Columbia car insurance with both to have the best rate selection. Some insurance companies may not offer rates over the internet and many times these smaller providers only sell through local independent agencies.

We just showed you some good ideas how you can find affordable GMC Sierra insurance in Columbia. The key concept to understand is the more price quotes you have, the better your comparison will be. You may even be surprised to find that the lowest priced insurance comes from a small local company.

More information can be read at the links below