Save Money on GMC Sierra 3500HD Insurance in Louisville

Insurance rates GMC Sierra 3500HD in LouisvilleThe easiest way to get cheaper GMC Sierra 3500HD insurance in Louisville is to start comparing prices regularly from insurers that sell auto insurance in Kentucky. Prices can be compared by completing these steps.

First, spend some time learning about auto insurance and the steps you can take to prevent expensive coverage. Many risk factors that result in higher prices such as distracted driving and a poor credit rating can be improved by making lifestyle changes or driving safer.

Second, request rate estimates from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like GEICO and State Farm, while agents who are independent can give you price quotes from many different companies. View prices

Third, compare the new rate quotes to the premium of your current policy and see if there is a cheaper rate. If you find better rates and decide to switch, verify that coverage does not lapse between policies.

An essential thing to point out is to use identical limits and deductibles on each price quote and and to get price quotes from as many companies as feasibly possible. Doing this helps ensure a fair rate comparison and the best price selection.

Amazingly, nearly 70% of consumers have remained with the same auto insurance company for well over three years, and approximately 38% of consumers have never compared rates to find affordable insurance. American drivers could pocket almost 46.5% a year, but they don’t know the amount of money they would save if they changed companies.

The best way to get rate comparisons for GMC Sierra 3500HD insurance in Louisville is to realize most of the larger companies have advanced systems to compare their rates. All consumers are required to do is give the companies some data such as distance driven, the type of vehicles you drive, if it has an anti-theft system, and if you’re married. Your rating data is then submitted to many of the top insurers and they provide comparison quotes within a short period of time.

If you would like to compare rates now, click here and enter your zip code.

The companies shown below can provide quotes in Kentucky. To buy the cheapest auto insurance in Louisville, we recommend you visit as many as you can to get the best price comparison.

Affordable rates on GMC Sierra 3500HD insurance in Louisville with these car insurance discounts

Companies don’t list all their discounts very clearly, so the following list contains both well-publicized and also the more inconspicuous savings tricks you should be using when you buy Louisville auto insurance online. If you are not receiving all the discounts possible, you are just wasting money.Save money with discounts

Remember that some credits don’t apply to the whole policy. Most only cut the price of certain insurance coverages like comp or med pay. So when it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

The example below compares GMC Sierra 3500HD insurance prices with and without discounts being applied to the rates. The data is based on a male driver, no claims or driving violations, Kentucky state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, multi-car, marriage, and multi-policy discounts applied.

For a list of insurance companies who offer discounts in Kentucky, click here to view.

GMC Sierra 3500HD coverage analysis

The information below highlights a range of rate quotes for GMC Sierra 3500HD models. Understanding how insurance policy rates are determined can assist in making smart choices when comparing insurance rates.


GMC Sierra 3500HD Insurance Rates in Louisville, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra 3500HD SLE Regular Cab 2WD $392 $736 $440 $26 $132 $1,726 $144
Sierra 3500HD SLE Regular Cab 4WD $392 $846 $552 $32 $164 $1,986 $166
Sierra 3500HD SLE Crew Cab 2WD $392 $736 $440 $26 $132 $1,726 $144
Sierra 3500HD SLE Extended Cab 2WD $392 $736 $440 $26 $132 $1,726 $144
Sierra 3500HD SLE Extended Cab 4WD $392 $846 $552 $32 $164 $1,986 $166
Sierra 3500HD SLE Crew Cab 4WD $392 $846 $552 $32 $164 $1,986 $166
Sierra 3500HD SLT Extended Cab 2WD $392 $736 $440 $26 $132 $1,726 $144
Sierra 3500HD SLT Crew Cab 4WD $392 $846 $552 $32 $164 $1,986 $166
Sierra 3500HD SLT Extended Cab 4WD $392 $846 $552 $32 $164 $1,986 $166
Sierra 3500HD SLT Crew Cab 2WD $432 $846 $440 $26 $132 $1,876 $156
Get Your Own Custom Quote Go

Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Information does not factor in vehicle garaging location which can increase or decrease auto insurance rates noticeably.

Analysis of deductible levels

One of the most common insurance questions is which comprehensive and collision deductibles to buy. The comparison tables below can help you visualize the differences in price of buying low and high insurance deductibles. The first data set uses a $250 physical damage deductible and the second price chart uses a $1,000 deductible.


GMC Sierra 3500HD insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra 3500HD SLE Regular Cab 2WD $318 $500 $326 $20 $98 $1,287 $107
Sierra 3500HD SLE Regular Cab 4WD $318 $576 $408 $24 $122 $1,473 $123
Sierra 3500HD SLE Crew Cab 2WD $318 $500 $326 $20 $98 $1,287 $107
Sierra 3500HD SLE Extended Cab 2WD $318 $500 $326 $20 $98 $1,287 $107
Sierra 3500HD SLE Extended Cab 4WD $318 $576 $408 $24 $122 $1,473 $123
Sierra 3500HD SLE Crew Cab 4WD $318 $576 $408 $24 $122 $1,473 $123
Sierra 3500HD SLT Extended Cab 2WD $318 $500 $326 $20 $98 $1,287 $107
Sierra 3500HD SLT Crew Cab 4WD $318 $576 $408 $24 $122 $1,473 $123
Sierra 3500HD SLT Extended Cab 4WD $318 $576 $408 $24 $122 $1,473 $123
Sierra 3500HD SLT Crew Cab 2WD $350 $576 $326 $20 $98 $1,395 $116
Get Your Own Custom Quote Go

GMC Sierra 3500HD insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra 3500HD SLE Regular Cab 2WD $196 $316 $326 $20 $98 $956 $80
Sierra 3500HD SLE Regular Cab 4WD $196 $362 $408 $24 $122 $1,112 $93
Sierra 3500HD SLE Crew Cab 2WD $196 $316 $326 $20 $98 $956 $80
Sierra 3500HD SLE Extended Cab 2WD $196 $316 $326 $20 $98 $956 $80
Sierra 3500HD SLE Extended Cab 4WD $196 $362 $408 $24 $122 $1,112 $93
Sierra 3500HD SLE Crew Cab 4WD $196 $362 $408 $24 $122 $1,112 $93
Sierra 3500HD SLT Extended Cab 2WD $196 $316 $326 $20 $98 $956 $80
Sierra 3500HD SLT Crew Cab 4WD $196 $362 $408 $24 $122 $1,112 $93
Sierra 3500HD SLT Extended Cab 4WD $196 $362 $408 $24 $122 $1,112 $93
Sierra 3500HD SLT Crew Cab 2WD $216 $362 $326 $20 $98 $1,022 $85
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Information does not factor in specific zip code location which can revise auto insurance rates noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost in the ballpark of $29 more each month or $348 each year across all GMC Sierra 3500HD models than buying the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you go at least 26 months between claims, you would more than likely save some money if you choose the higher deductible.

Learn How to Quote Auto Insurance for Less

Many factors are considered when pricing auto insurance. Some are pretty understandable such as your driving record, but some are more obscure like your vehicle usage or your financial responsibility.

Can’t I get rate quotes from local Louisville auto insurance agents?

Many people prefer to buy from a local agent and that is OK! The best thing about comparing insurance prices online is that you can find better rates but still work with a licensed agent. And buying from small agencies is definitely important in Louisville.

Insurance agents in LouisvilleAfter filling out this form (opens in new window), the coverage information is submitted to agents in your area who will return price quotes for your business. You won’t even need to find an agent due to the fact that quote results will go to you directly. You can find better rates without the usual hassles of price shopping. If you want to compare rates from a specific company, just find their quoting web page and fill out the quote form the provide.

If you want to use a good insurance agency, you need to know there are two different types of agencies and how they are slightly different. Agents in Louisville are categorized either independent agents or exclusive agents.

Independent Car Insurance Agencies

Agents in the independent channel do not work for one specific company and that enables them to quote your coverage with multiple insurance companies enabling the ability to shop coverage around. To transfer your coverage to a different company, the agent simply finds a different carrier and that require little work on your part.

If you are comparing car insurance prices, it’s recommended you get some free quotes from several independent agencies in order to compare the most rates.

Listed below are Louisville independent agencies who can help you get free car insurance rate quotes.


6801 Dixie Hwy #232Louisville, KY 40258(502) 933-2255View Map


13804 Lake Point Way # 202Louisville, KY 40223(502) 425-3232View Map


6708 Shepherdsville RdLouisville, KY 40228(502) 968-1112View Map

More insurance agents

Exclusive Insurance Agencies

These agents work for only one company and some examples include AAA, Allstate, and State Farm. Exclusive agents cannot compare other company’s rates so keep that in mind. Exclusive agents are highly trained on the products they sell which helps them compete with independent agents.

Shown below is a short list of exclusive agents in Louisville that are able to give comparison quotes.


1906 Crums LnLouisville, KY 40216(502) 448-5436View Map


6608 Bardstown Rd aLouisville, KY 40291(502) 231-2350View Map


1827 W BroadwayLouisville, KY 40203(502) 774-3373View Map

More insurance agents

Deciding on a car insurance agent needs to be determined by more than just a cheap quote. The following questions are important to ask.

When should I discuss my situation with an agent?

Keep in mind that when it comes to choosing adequate coverage, there is no single plan that fits everyone. Each situation is unique and your car insurance should be unique as well.Safe vehicles cost less to insure
Here are some questions about coverages that might help in determining if your situation could use an agent’s help.

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Louisville auto insurance companies

Ending up with the best car insurance provider is hard considering how many companies are available to choose from in Louisville. The rank data shown next could help you analyze which car insurance providers you want to consider when looking for cheaper rates.

Top 10 Louisville Car Insurance Companies by A.M. Best Rank

  1. Travelers – A++
  2. USAA – A++
  3. GEICO – A++
  4. State Farm – A++
  5. Erie Insurance – A+
  6. Titan Insurance – A+
  7. Esurance – A+
  8. Progressive – A+
  9. Nationwide – A+
  10. The Hartford – A+

Top 10 Louisville Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Cover all your bases

When getting Louisville auto insurance quotes online, you should never buy poor coverage just to save money. Too many times, an insured cut collision coverage and learned later they didn’t purchase enough coverage. Your goal is to get the best coverage possible at the best possible price and still be able to protect your assets.

The cheapest GMC Sierra 3500HD insurance in Louisville is attainable from both online companies and also from your neighborhood Louisville agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies may not offer online rate quotes and most of the time these small insurance companies provide coverage only through independent agencies.

Even more information is available in the articles below: