How to Save on Honolulu GMC Sierra 2500HD Insurance

Insurance for GMC Sierra 2500HDDid you fall for a flashy sales pitch and buy an overpriced insurance policy? Believe me, many Honolulu drivers have buyer’s remorse.

We don’t have to tell you that insurance companies don’t want you to look at other companies. Drivers who shop around for the cheapest rate will presumably buy a different policy because the odds are good of finding more affordable rates. Surprisingly, a recent survey revealed that drivers who regularly compared price quotes saved about $3,400 over four years compared to people who never compared prices.

If finding budget-friendly auto insurance is the reason for your visit, then learning a little about how to find and compare cheaper coverage can help you succeed in finding affordable rates.

How to find affordable quotes for GMC Sierra 2500HD insurance in Honolulu

Truthfully, the best way to find more affordable GMC Sierra 2500HD insurance in Honolulu is to regularly compare quotes from different companies that sell auto insurance in Hawaii.

Step 1: Try to understand how companies price auto insurance and the changes you can make to keep rates low. Many factors that increase rates like traffic citations, accidents, and a negative credit score can be controlled by making minor changes in your lifestyle. This article provides ideas to lower rates and find additional discounts.

Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from one company like Progressive and State Farm, while independent agencies can provide price quotes from multiple sources.

Step 3: Compare the price quotes to your current policy premium to see if cheaper Sierra 2500HD coverage is available in Honolulu. If you find a better price and decide to switch, make sure coverage is continuous and does not lapse.

Step 4: Provide written notification to your current company to cancel your current car insurance policy and submit a signed application and payment to your new insurance company. As soon as you have the new policy, put the new proof of insurance certificate along with your vehicle registration.

A tip to remember is that you use identical coverage information on every quote and and to look at as many companies as you can. Doing this ensures an apples-to-apples comparison and the best price quote selection.

Because you have many choices of insurance companies that have lower-cost insurance for a GMC Sierra 2500HD in Honolulu, it is hard for the average consumer to locate the most cost effective insurance company.

These tips will teach you a little about the most effective ways to compare rates and how to save the most money. If you’re already insured, you will be able to find better prices using the techniques covered below. Drivers just need to learn the quickest method to buy car insurance online from multiple companies.

These discounts can cut GMC Sierra 2500HD insurance rates

Some companies do not advertise all their discounts in an easy-to-find place, so we researched a few of the more common in addition to some of the lesser obvious ways to save on auto insurance. If you don’t get every credit available, you are not getting the best rate possible.Discount auto insurance

Don’t be surprised that some of the credits will not apply to the overall cost of the policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. Even though the math looks like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

The illustration below illustrates the difference between GMC Sierra 2500HD auto insurance rates with and without discounts applied. The costs are based on a female driver, no accidents or driving violations, Hawaii state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, homeowner, marriage, claim-free, and multi-policy discounts applied.

Car insurance companies that may include some of the above discounts include:

Before you buy a policy, ask each company or agent the best way to save money. Some of the earlier mentioned discounts might not be available to policyholders in Honolulu. To find insurers who offer free GMC Sierra 2500HD insurance quotes in Honolulu, click this link.

All major car insurance companies like 21st Century, Allstate and State Farm allow consumers to get price estimates on the web. Getting online quotes for GMC Sierra 2500HD insurance in Honolulu can be done by anyone as you just type in the coverage amounts you desire into a form. When complete, the quote system sends out for reports for credit and driving violations and gives you a price quote based on the data you entered. This helps simplify price comparisons, and it is imperative to get many rate quotes in order to get the lowest payment possible.

To find out if lower rates are available, compare rate quotes from the providers shown below. To compare your current rates, we recommend you complete the form with deductibles and limits identical to your current policy. Doing this assures you are getting a price comparison based on the exact same insurance coverage.

The providers in the list below have been selected to offer free quotes in Honolulu, HI. If multiple providers are shown, it’s a good idea that you compare several of them in order to find the lowest rates.

GMC Sierra 2500HD insurance analysis

The premium table displayed below highlights detailed analysis of prices for GMC Sierra 2500HD models. Being aware of how policy premiums are calculated can be useful when making smart choices when comparing insurance quotes.


GMC Sierra 2500HD Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra 2500HD SLE Regular Cab 4WD $258 $484 $264 $16 $80 $1,102 $92
Sierra 2500HD SLE Regular Cab 2WD $258 $484 $300 $18 $90 $1,150 $96
Sierra 2500HD SLE Crew Cab 4WD $258 $484 $264 $16 $80 $1,102 $92
Sierra 2500HD SLE Extended Cab 4WD $258 $484 $264 $16 $80 $1,102 $92
Sierra 2500HD SLE Crew Cab 2WD $258 $558 $300 $18 $90 $1,224 $102
Sierra 2500HD SLE Extended Cab 2WD $258 $558 $300 $18 $90 $1,224 $102
Sierra 2500HD SLT Crew Cab 4WD $258 $558 $264 $16 $80 $1,176 $98
Sierra 2500HD SLT Extended Cab 4WD $258 $558 $264 $16 $80 $1,176 $98
Sierra 2500HD SLT Extended Cab 2WD $258 $558 $300 $18 $90 $1,224 $102
Sierra 2500HD SLT Crew Cab 2WD $286 $558 $300 $18 $90 $1,252 $104
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Price estimates do not factor in zip code location which can affect insurance rates substantially.

Deductible analysis

A question often asked by Honolulu drivers is the level to set your comp and collision deductibles. The data tables below may aid in understanding the price difference when you choose different deductibles. The first rate estimation uses a $100 deductible for physical damage and the second price grid uses a $1,000 deductible.


GMC Sierra 2500HD insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra 2500HD SLE Regular Cab 4WD $258 $484 $264 $16 $80 $1,127 $94
Sierra 2500HD SLE Regular Cab 2WD $258 $484 $300 $18 $90 $1,175 $98
Sierra 2500HD SLE Crew Cab 4WD $258 $484 $264 $16 $80 $1,127 $94
Sierra 2500HD SLE Extended Cab 4WD $258 $484 $264 $16 $80 $1,127 $94
Sierra 2500HD SLE Crew Cab 2WD $258 $558 $300 $18 $90 $1,249 $104
Sierra 2500HD SLE Extended Cab 2WD $258 $558 $300 $18 $90 $1,249 $104
Sierra 2500HD SLT Crew Cab 4WD $258 $558 $264 $16 $80 $1,201 $100
Sierra 2500HD SLT Extended Cab 4WD $258 $558 $264 $16 $80 $1,201 $100
Sierra 2500HD SLT Extended Cab 2WD $258 $558 $300 $18 $90 $1,249 $104
Sierra 2500HD SLT Crew Cab 2WD $286 $558 $300 $18 $90 $1,277 $106
Get Your Own Custom Quote Go

GMC Sierra 2500HD insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Sierra 2500HD SLE Regular Cab 4WD $142 $256 $264 $16 $80 $758 $63
Sierra 2500HD SLE Regular Cab 2WD $142 $256 $300 $18 $90 $806 $67
Sierra 2500HD SLE Crew Cab 4WD $142 $256 $264 $16 $80 $758 $63
Sierra 2500HD SLE Extended Cab 4WD $142 $256 $264 $16 $80 $758 $63
Sierra 2500HD SLE Crew Cab 2WD $142 $294 $300 $18 $90 $844 $70
Sierra 2500HD SLE Extended Cab 2WD $142 $294 $300 $18 $90 $844 $70
Sierra 2500HD SLT Crew Cab 4WD $142 $294 $264 $16 $80 $796 $66
Sierra 2500HD SLT Extended Cab 4WD $142 $294 $264 $16 $80 $796 $66
Sierra 2500HD SLT Extended Cab 2WD $142 $294 $300 $18 $90 $844 $70
Sierra 2500HD SLT Crew Cab 2WD $158 $294 $300 $18 $90 $860 $72
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rate information does not factor in garaging location in Honolulu which can raise or lower rates considerably.

We can derive from the above data that using a $100 deductible costs an average of $33 more each month or $396 a year averaged for all Sierra 2500HD models than opting for the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you go more than 27 months between claim filings, you would most likely save money if you decide on a higher deductible.

Insurance rates by age and gender

The example below shows the difference between GMC Sierra 2500HD car insurance costs for male and female drivers. The data assumes no claims, a clean driving record, full physical damage coverage, $100 deductibles, marital status is single, and no policy discounts are applied.

Insurance agencies can give valuable advice

Some people would prefer to sit down with an agent and that is OK! Licensed agents can point out coverage gaps and help you file claims. The biggest benefit of comparing rates online is you may find cheap insurance rates and still choose a local agent. Putting coverage with local agencies is especially important in Honolulu.

Insurance agents in HonoluluAfter filling out this short form, your insurance data is transmitted to agents in your area that can provide free Honolulu auto insurance quotes for your coverage. You never need to find an agent on your own because quoted prices will be sent to you. If you want to get a comparison quote from a specific insurance provider, you would need to find their quoting web page and fill out the quote form the provide.

Insurance agent types

When researching local Honolulu agents, you should know the different types of agencies that you can select. Insurance agencies in Honolulu are classified as either exclusive or independent agents depending on their company appointments. Either one can insure your vehicles properly, but it’s worth learning the difference in how they write coverage since it could factor into the kind of agent you use.

Independent Insurance Agents (or Brokers)

Independent agents can sell policies from many different companies so as a result can place your coverage amongst many companies and find you cheaper rates. If they quote lower rates, the agent simply finds a different carrier and you can keep the same agent. When comparing insurance prices, we recommend you compare prices from several independent agencies to have the most options to choose from.

The following are independent insurance agencies in Honolulu that may be able to give you free price quotes.


1022 Bethel StHonolulu, HI 96813(808) 643-4000View Map


819 S Beretania StHonolulu, HI 96813(808) 539-1600View Map


1088 Bishop St #2210Honolulu, HI 96813(808) 841-5915View Map

More insurance agents

Exclusive Insurance Agents

Exclusive insurance agents work for only one company and some examples include American Family, State Farm, and AAA. Exclusive agencies are unable to provide other company’s prices so they really need to provide good service. Exclusive agencies are usually quite knowledgeable on what they offer which helps them compete with independent agents.

Listed below is a list of exclusive insurance agents in Honolulu that are able to give price quote information.


1130 N Nimitz Hwy Rm A260Honolulu, HI 96817(808) 664-0970View Map


677 Ala Moana Blvd Ste 310Honolulu, HI 96813(808) 951-0866View Map


7192 Kalanianaole Hwy g210Honolulu, HI 96825(808) 395-3434View Map

More insurance agents

Choosing the best insurance agent needs to be determined by more than just a cheap price. Any agent in Honolulu should have no problem answering these questions:

Be persistent and save

We just presented a lot of ways to compare GMC Sierra 2500HD insurance prices in Honolulu. The key thing to remember is the more quotes you get, the better chance you’ll have of finding the cheapest GMC Sierra 2500HD rate quotes. Consumers could even find that the lowest priced car insurance comes from the smaller companies. Some small companies often have lower rates on specific markets than the large multi-state companies such as Allstate or State Farm.

Some insurance providers may not have the ability to get quotes online and usually these small insurance companies provide coverage only through independent agents. Lower-priced car insurance in Honolulu can be sourced both online and from local agencies, and you should be comparing both to have the best chance of lowering rates.

How to buy discount GMC Sierra 2500HD insurance in Honolulu

The recommended way to find better pricing on auto insurance rates in Honolulu is to make a habit of regularly comparing prices from insurers who can sell car insurance in Hawaii. Rate comparisons can be done by following these steps.

An important bit of advice to remember is to use the same liability limits and deductibles on each quote request and and to get price estimates from all possible companies. This enables a level playing field and the most accurate and complete price analysis.

Much more information about car insurance in Hawaii is located on the following sites: