Have you had enough of scraping the payment together to pay your insurance bill each month? Your situation is no different than millions of other consumers.

Insurance quote for GMC Sierra in RaleighUnbelievable but true, the vast majority of insurance customers kept their coverage with the same insurance company for a minimum of four years, and nearly the majority have never taken the time to shop around. North Carolina consumers could save up to 10% each year, but most undervalue how much they could save if they switched.

There are many insurance companies to choose from, and although it's nice to have a selection, it can be more difficult to compare company pricing for GMC Sierra insurance in Raleigh.

You should make it a habit to compare premium rates on a regular basis because rates change regularly. Just because you had the lowest rate on GMC Sierra insurance in Raleigh six months ago you can probably find a lower rate today. There are lots of tips to save on Sierra insurance on the web, but in just a couple of minutes you can learn some solid techniques on how to lower your insurance rates in Raleigh.

Buying the cheapest insurance in Raleigh can really be easy if you know what you're doing. If you have insurance now, you will surely be able to get lower rates using the ideas you're about to read. But North Carolina vehicle owners need to learn how the larger insurance companies calculate their prices because rates fluctuate considerably.

Reduce your auto insurance rates with these five discounts

Insuring your fleet can be pricey, but you might be missing out on some discounts to help bring down the price. Certain discounts will be applied when you quote, but some need to be inquired about before you will receive the discount.

Please keep in mind that many deductions do not apply to the entire policy premium. Most only apply to specific coverage prices like collision or personal injury protection. So when it seems like all those discounts means the company will pay you, that's just not realistic. Any qualifying discounts will lower your overall bill.

A list of companies and the discounts they provide can be found below.

It's a good idea to ask each insurance company what discounts are available to you. Some discounts might not apply in your state. To find insurance companies with the best discounts in North Carolina, follow this link.

When comparing auto insurance rates, know that comparing all the rates in your area helps locate a better price.

The companies shown below can provide free rate quotes in North Carolina. If multiple providers are shown, it's highly recommended you visit as many as you can to get the most affordable price.

GMC Sierra Insurance Cost Estimates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $166 $334 $282 $16 $84 $882 $74
Sierra SL Extended Cab 2WD $148 $270 $234 $14 $70 $736 $61
Sierra SLE Crew Cab 2WD $142 $240 $256 $16 $76 $730 $61
Sierra SL Crew Cab 2WD $170 $324 $240 $14 $72 $820 $68
Sierra SLE Crew Cab 2WD $134 $240 $250 $14 $74 $712 $59
Sierra SLE Regular Cab 4WD $134 $240 $250 $14 $74 $712 $59
Sierra SLE Extended Cab 4WD $136 $256 $234 $14 $70 $710 $59
Sierra SLE Crew Cab 4WD $170 $324 $240 $14 $72 $820 $68
Sierra SLT Extended Cab 2WD $116 $236 $262 $16 $78 $708 $59
Sierra SL Crew Cab 4WD $128 $272 $324 $20 $96 $840 $70
Sierra SLT Extended Cab 4WD $160 $284 $256 $16 $76 $792 $66
Sierra SLT Crew Cab 2WD $148 $296 $336 $20 $100 $900 $75
Sierra SLT Crew Cab 4WD $208 $454 $282 $16 $84 $1,044 $87
Sierra Denali Crew Cab 2WD $170 $348 $282 $16 $84 $900 $75
Sierra Denali Crew Cab 4WD $210 $446 $240 $14 $72 $982 $82
Get Your Own Custom Quote Go

Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Estimates do not factor in specific location information which can affect premiums substantially.

Deductible analysis

One of the more difficult decisions when buying car insurance is how high should the physical damage deductibles be. The following insurance rates lay out the rate fluctuation of buying low and high insurance deductibles. The first price estimate table uses a $250 deductible for comprehensive and collision coverage and the second set of rates uses a $1,000 deductible.

GMC Sierra insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $192 $324 $250 $14 $74 $879 $73
Sierra SL Extended Cab 2WD $192 $324 $250 $14 $74 $879 $73
Sierra SLE Crew Cab 2WD $192 $324 $250 $14 $74 $879 $73
Sierra SL Crew Cab 2WD $218 $382 $250 $14 $74 $963 $80
Sierra SLE Crew Cab 2WD $218 $382 $250 $14 $74 $963 $80
Sierra SLE Regular Cab 4WD $218 $382 $250 $14 $74 $963 $80
Sierra SLE Extended Cab 4WD $218 $382 $250 $14 $74 $963 $80
Sierra SLE Crew Cab 4WD $218 $382 $250 $14 $74 $963 $80
Sierra SLT Extended Cab 2WD $218 $382 $250 $14 $74 $963 $80
Sierra SL Crew Cab 4WD $218 $382 $250 $14 $74 $963 $80
Sierra SLT Extended Cab 4WD $218 $382 $250 $14 $74 $963 $80
Sierra SLT Crew Cab 2WD $218 $382 $250 $14 $74 $963 $80
Sierra SLT Crew Cab 4WD $242 $440 $250 $14 $74 $1,045 $87
Sierra Denali Crew Cab 2WD $242 $440 $250 $14 $74 $1,045 $87
Sierra Denali Crew Cab 4WD $242 $440 $250 $14 $74 $1,045 $87
Get Your Own Custom Quote Go
GMC Sierra insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra SLE Regular Cab 2WD $118 $204 $250 $14 $74 $660 $55
Sierra SL Extended Cab 2WD $118 $204 $250 $14 $74 $660 $55
Sierra SLE Crew Cab 2WD $118 $204 $250 $14 $74 $660 $55
Sierra SL Crew Cab 2WD $134 $240 $250 $14 $74 $712 $59
Sierra SLE Crew Cab 2WD $134 $240 $250 $14 $74 $712 $59
Sierra SLE Regular Cab 4WD $134 $240 $250 $14 $74 $712 $59
Sierra SLE Extended Cab 4WD $134 $240 $250 $14 $74 $712 $59
Sierra SLE Crew Cab 4WD $134 $240 $250 $14 $74 $712 $59
Sierra SLT Extended Cab 2WD $134 $240 $250 $14 $74 $712 $59
Sierra SL Crew Cab 4WD $134 $240 $250 $14 $74 $712 $59
Sierra SLT Extended Cab 4WD $134 $240 $250 $14 $74 $712 $59
Sierra SLT Crew Cab 2WD $134 $240 $250 $14 $74 $712 $59
Sierra SLT Crew Cab 4WD $150 $276 $250 $14 $74 $764 $64
Sierra Denali Crew Cab 2WD $150 $276 $250 $14 $74 $764 $64
Sierra Denali Crew Cab 4WD $150 $276 $250 $14 $74 $764 $64
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rate information does not factor in specific location information which can modify auto insurance rates considerably.

Based on the figures above, using a $250 deductible will cost in the ballpark of $21 more each month or $252 for a full year than quoting the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 36 months between claim filings, you would most likely save money if you elect the higher deductible.

Do I need an insurance agent?

Some people just want to get advice from a local agent and doing so can bring peace of mind An additional benefit of comparing insurance prices online is that you can obtain cheap insurance quotes but also keep your business local.

For easy comparison, once you complete this short form, your information is sent to agents in your area that provide free Raleigh car insurance quotes to get your business. There is no reason to leave your computer since rate quotes are delivered to the email address you provide. You can find lower rates without requiring a lot of work. In the event you want to compare prices from a specific company, you can always go to their quote page and fill out the quote form the provide.

Picking the best insurer shouldn't rely on just the price. These are some questions your agent should answer.

If you want to buy insurance from a local Raleigh insurance agent, it can be helpful to understand the types of insurance agents and how they function. Raleigh agents can be categorized as either independent or exclusive depending on the company they work for.

Exclusive Agents

Agents that choose to be exclusive can only place business with one company such as Farmers Insurance and State Farm. Exclusive agencies are unable to provide rate quotes from other companies so you might not find the best rates. Exclusive agencies are very knowledgeable on what they offer and that can be a competitive advantage.

Listed below are Raleigh exclusive agents that are able to give rate quotes.

John Hill - State Farm Insurance Agent
7320 Six Forks Rd #200 - Raleigh, NC 27615 - (919) 848-0644 - View Map


5620 Six Forks Rd Ste 103 - Raleigh, NC 27609 - (919) 848-8105 - View Map


8961 Harvest Oaks Dr #205 - Raleigh, NC 27615 - (919) 870-1413 - View Map

More Raleigh agents

Independent Insurance Agents

These type of agents are appointed with more than one company so they can write business through many companies enabling the ability to shop coverage around. If your premiums go up, they can switch companies in-house and you can keep the same agent.

When comparing rate quotes, you will definitely want to contact a couple of independent agencies to have the most options to choose from.

Below are independent insurance agencies in Raleigh that can give you rate quotes.


3901 Capital Blvd Ste 121 - Raleigh, NC 27604 - (919) 872-0130 - View Map


4004 Barrett Dr #206 - Raleigh, NC 27609 - (919) 844-2995 - View Map


2308 Wake Forest Rd - Raleigh, NC 27608 - (919) 832-5832 - View Map

More Raleigh agents

It may be expensive, but it's not optional

Even though Raleigh Sierra insurance rates can get expensive, insuring your vehicle is a good idea for several reasons.

The benefits of having auto insurance definitely exceed the price paid, especially with large liability claims. According to a recent study, the average American driver overpays as much as $800 each year so it's recommended you shop around at least once a year to save money.

Car insurance coverage options for a GMC Sierra

Knowing the specifics of your policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are the normal coverages found on the average car insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your GMC Sierra.

Due to the fact that many North Carolina drivers only carry the minimum required liability limits (which is 30/60/25), it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as rock chips in glass, hitting a bird and vandalism. The most you'll receive from a claim is the actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills like surgery, EMT expenses, X-ray expenses and doctor visits. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This coverage will pay to fix damage to your Sierra resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like scraping a guard rail, sustaining damage from a pot hole, hitting a parking meter, damaging your car on a curb and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It's also possible to raise the deductible on your Sierra to bring the cost down.

Liability auto insurance

Liability insurance can cover damage or injury you incur to other's property or people in an accident. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 30/60/25 which stand for $30,000 in coverage for each person's injuries, a per accident bodily injury limit of $60,000, and property damage coverage for $25,000.

Liability coverage protects against things like pain and suffering, bail bonds, medical services and medical expenses. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford. North Carolina requires drivers to carry at least 30/60/25 but you should consider buying higher limits.

Shop around and save

Budget-friendly car insurance in Raleigh can be bought from both online companies and from local insurance agents, so you need to quote Raleigh car insurance with both to get a complete price analysis. Some insurance companies don't offer online quoting and usually these small, regional companies only sell coverage through independent insurance agents.

When getting Raleigh car insurance quotes online, it's very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped liability limits or collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to get the best coverage possible at a price you can afford, but do not skimp to save money.

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