GMC is General Motors' second largest North American vehicle division after Chevrolet, and is a well-known maker of trucks, vans, SUVs and crossovers. In 2013, GMC's Sierra, Acadia and Terrain reenergized vehicle sales, giving GMC their best sales year since 2007 and ranked first in its class in the 2013 J.D. Power and Associates U.S. Customer Service Index Study.
If you own a GMC vehicle and are looking for affordable, quality auto insurance, you can contact an independent agent in the Trusted Choice® network for assistance. Contact a local Trusted Choice agent and start comparing GMC car insurance quotes today.
Typically, the safer the vehicle, the better the auto insurance rates. This is because insurance companies have lower risks of bodily injury payments when accidents occur in vehicles with high safety ratings. GMC takes pride in its vehicles and works hard to ensure that they meet or exceed safety requirements and guidelines.
When the Insurance Institute of Highway Safety (IIHS) reviewed the three most popular GMC models, the results were as follows:
The lower ratings on the Sierra are reflected in its insurance rates. Safety features can help lower your insurance rates, but you may need to check with an agent to see how much return on investment you will have when you are considering what features you want. All GMC vehicles come equipped with many safety features including anti-lock brakes, front driver and passenger airbags and seatbelt pretensioners.
Car theft is a major concern for many vehicle owners and may influence your decision about whether or not to include comprehensive coverage with your GMC car insurance policy. The good news for GMC owners is that theft of these vehicles is not very high.
The only GMC model that ranked among the Top 100 on the National Highway Traffic Safety Administration's (NHTSA) theft report for 2011 was the GMC Canyon pick-up truck. It ranked 75th, with an average of 0.9217 thefts per 1,000 vehicles. The Terrain was the next most commonly stolen vehicle and ranked in at number 174 with a theft rate of 0.2634 per 1,000 vehicles. As a point of reference, the most frequently stolen car, the Dodge Charger, had a theft rate of 4.8162 per 1,000 vehicles and the average for all cars in the report was 0.9864 thefts per thousand.
All GMC models ranked below the theft rate average. This is good news if you are purchasing comprehensive insurance for your vehicle as it will influence the rates in a positive way.
There are several different factors that will affect your auto insurance rates. These include your age, your driving history, where you live, where and how often you drive your vehicle, how much coverage you are purchasing and the insurance carrier you choose.
To get a rough idea of what your insurance rates may cost you, consider the average premium costs for a 40-year-old male for a fully comprehensive policy that includes collision and uninsured/underinsured motorist coverage for the following new vehicles:
Of course, insurance rates can vary significantly from one person to the next. The only way to find out how much a policy will cost you is to comparison-shop for rates.
GMC sold 157,185 Sierra pick-up trucks in 2012 and it is the company's best-selling vehicle. The MSRP for the 2013 Sierra 1500 ranges from $23,590 for the base model to $49,638 fully-equipped.
Unfortunately, this vehicle did receive lower safety scores than some of the other GMC vehicles. The Sierra scored a "good" on the IIHS's front impact testing, but only rated an "acceptable" on the side and head restraint/seats tests. It scored an even lower "marginal" rating on the roof strength tests. These safety scores have a bit of a negative impact on insurance rates. On a positive note, however, no Sierras were recorded as stolen on the 2011 NHTSA theft report.
A 40-year-old man can expect to pay from approximately $1300 to $1600 a year to insure a Sierra with full coverage
The Acadia is a full-size crossover SUV. GMC sold 78,280 Acadias in America in 2012. The cost of the 2013 Acadia ranges from $34,000 to $48,000 based on its options and features.
The 2013 Acadia was named a Top Safety Pick by the IIHS after it scored a "good" rating in all of the crash-testing categories. On another positive note, the Acadia did not make it onto the NHTSA 2011 theft report as none were listed as stolen.
The average cost for a 40-year-old man to fully insure an Acadia is between $1300 and $1375 a year.
In 2012, GMC sold 97,786 Terrains, a mid-sized crossover. The MSRP for these vehicles ranges from $26,305 for the base-model to $36,745 fully-loaded.
The IIHS named the Terrain a Top Safety Pick for 2013 after it earned a "good" rating in all of its crash tests. Furthermore, only 22 out of 83,531 Terrains were reported stolen in the 2011 NHTSA theft report. This rate of 0.2634 thefts per 1,000 vehicles is well below the average theft rate of 0.9864 per 1,000 vehicles.
The average cost of an annual insurance premium runs between $1265 to $1418 for a 40-year-old male purchasing full coverage for a new Terrain.
GMC vehicles are tough, but finding the right insurance policy is not. When you contact an independent insurance agent in the Trusted Choice network, they can do your comparison shopping for you to help you find a great policy at an affordable rate.
Member agents are available to answer your GMC coverage questions, explain your policy options and can even help you during the claims process if you are ever in an accent. Contact a Trusted Choice member agent now for more information and to get a variety of GMC car insurance quotes.