Buying the best cheap auto insurance for a GMC Sierra in California is fairly easy, but it depends on a fairly complex equation with a lot of factors such as how far you commute, your credit status, and any prior driving offenses. Drivers in California will pay around $1,334 per year to insure their Sierra, but that cost is a valuation based on a 50-year-old married female driver with both comprehensive and collision coverage and $250 deductibles.
It's more than likely you aren't exactly 50 years old or even a female, single instead of married, and you need different coverage limits than the sample rates. Car insurance coverage is unique to each driver, so this is why the only way to find cheap insurance rates for your GMC is to do a thorough rate comparison.
The specific trim level can impact the coverage cost, so the cost to insure a Sierra SLE Regular Cab 2WD model will cost $238 less than the insurance cost for the higher-priced Sierra Denali Crew Cab 4WD version, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Sierra SLE Regular Cab 2WD||$262||$478||$416||$24||$124||$1,304||$109|
|Sierra SL Extended Cab 2WD||$262||$478||$416||$24||$124||$1,304||$109|
|Sierra SLE Crew Cab 2WD||$262||$478||$416||$24||$124||$1,304||$109|
|Sierra SL Crew Cab 2WD||$296||$562||$416||$24||$124||$1,422||$119|
|Sierra SLE Crew Cab 2WD||$296||$562||$416||$24||$124||$1,422||$119|
|Sierra SLE Regular Cab 4WD||$296||$562||$416||$24||$124||$1,422||$119|
|Sierra SLE Extended Cab 4WD||$296||$562||$416||$24||$124||$1,422||$119|
|Sierra SLE Crew Cab 4WD||$296||$562||$416||$24||$124||$1,422||$119|
|Sierra SLT Extended Cab 2WD||$296||$562||$416||$24||$124||$1,422||$119|
|Sierra SL Crew Cab 4WD||$296||$562||$416||$24||$124||$1,422||$119|
|Sierra SLT Extended Cab 4WD||$296||$562||$416||$24||$124||$1,422||$119|
|Sierra SLT Crew Cab 2WD||$296||$562||$416||$24||$124||$1,422||$119|
|Sierra SLT Crew Cab 4WD||$330||$648||$416||$24||$124||$1,542||$129|
|Sierra Denali Crew Cab 2WD||$330||$648||$416||$24||$124||$1,542||$129|
|Sierra Denali Crew Cab 4WD||$330||$648||$416||$24||$124||$1,542||$129|
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Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Premium costs do not factor in specific location information which can decrease or increase auto insurance rates considerably.
Ratings for California auto insurance companies
Insuring your vehicle with the right company can be challenging considering how many different companies there are to choose from in Santa Ana. The information listed below could help you analyze which insurers to look at putting your business with. These ratings are only made up of the largest companies in the United States, so companies without a large exposure are not factored into the list.
Top 10 Large Auto Insurance Companies Overall in Santa Ana
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
Top 10 Large Auto Insurance Companies in Santa Ana Ranked by Customer Satisfaction
- Titan Insurance - 95%
- USAA - 94%
- AAA of Southern California - 92%
- AAA Insurance - 91%
- Nationwide - 90%
- State Farm - 90%
- The Hartford - 89%
- GEICO - 89%
- The General - 88%
- 21st Century - 88%
Price comparison of only insuring for liability
Reducing the cost of auto insurance should be important to the majority of drivers, and a good way to buy cheaper insurance for a GMC Sierra is to not insure for full coverage. The diagram below compares car insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on no claims or driving citations, $500 deductibles, single status, and no other discounts are factored in.
If we average all the age groups together, comprehensive and collision coverage on your policy costs $2,853 per year more than just buying liability insurance. Many people question if full coverage is worth the money. There is no definitive formula to eliminate comp and collision coverage, but there is a general convention. If the yearly cost for physical damage coverage is more than 10% of the vehicle's replacement cost less your deductible, then it might be time to consider dropping full coverage.
For example, let's pretend your vehicle's replacement value is $4,500 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $3,500 after paying your policy deductible. If you are currently paying more than $350 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.
There are a few situations where dropping physical damage coverage is not recommended. If you still owe money on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if you can't afford to buy a different vehicle if your current one is totaled, you should not remove full coverage.
Illustration showing the impact of accidents and violations
The ideal way to get low auto insurance rates for a Sierra pickup is to be a cautious driver and avoid tickets and accidents. The example below demonstrates how traffic citations and at-fault claims drive up annual premium costs for different age groups. The data assumes a married female driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.
In the example above, the average cost of car insurance in Santa Ana per year with a clean driving record and no accidents is $2,531. Get written up for one speeding ticket and the average cost surges to $2,942, an increase of $411 each year. Then throw in one accident along with the one speeding ticket and the yearly cost of auto insurance for a GMC Sierra goes up to an average of $4,123. That's an increase of $1,592, or $133 per month, just for not driving carefully!
A good deal can quickly turn bad
Santa Ana auto insurance rates are influenced by many factors that may substantially change the cost of having a policy. Simply having a birthday, buying a home, or getting a reckless driving citation can trigger rate changes that can now make some companies more affordable than the competition.
In addition, insurers modify pricing at least once a year in order to maintain liquidity for claims. Heavier than normal losses can cause increased policy costs, while a better loss history can result in more affordable Sierra insurance rates.
To illustrate this example, the bar chart below shows the cheapest car insurance in Santa Ana, CA for a 45-year-old female driver with a good driving record, no prior claims, and good financial standing. Based on her personal profile, USAA may offer the most affordable car insurance rates in Santa Ana at $1,306 a year. This is $345 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also included in the most affordable Santa Ana, CA auto insurance companies.
Now we will pretend the driver from the first example a claim or two, a lower credit rating, and a traffic citation. Since every insurance provider has a unique formula for setting rates, comparing rates could now result in a different list of affordable companies as shown below.
Grange now has the lowest price in Santa Ana, CA with Allstate, Progressive, GEICO, and Mercury now rounding out the top five. This demonstrates why drivers need to shop around with many companies when trying to get the lowest car insurance quotes for a GMC Sierra.
Insurance prices can be altered by many factors and change frequently, so the lowest-price company the last time you shopped your coverage around may now be quite expensive.
How to find cheaper car insurance for a GMC Sierra
The list below summarizes many thrifty solutions that can help you get more affordable coverage.
- Speeding tickets and other violations increase rates
- Drivers with good credit often pay less
- Pay for smaller claims out-of-pocket
- Drive attentively and avoid accidents
- Get cheaper liability coverage by choosing a safer vehicle
- Compare prices frequently to find the best deal
The last item on the list is incredibly vital, as was affirmed in the prior information. Prices charged by car insurance companies in Santa Ana can change considerably based on profitability, so don't be unwilling to switch carriers if a more affordable rate is found.
Brand loyalty is not necessarily bad, but is isn't recommended if that faithfulness ends up costing you a lot of money. In just a few minutes you could shop around to find cheaper car insurance for a GMC Sierra.