GMC Sierra Car Insurance: How Much Should You Expect to Pay?

The average insurance premium for a GMC Sierra tends to be around $162 per month. Find out how much car insurance companies might charge to insure your GMC Sierra with our newest guide.

Quick Facts

  • A GMC Sierra costs about the same to insure as the average truck.
  • Full coverage insurance for a Sierra tends to be about $152 a month, on average, while liability only insurance generally averages around $68 monthly.
  • The most affordable auto insurance company for a Sierra is Ohio Mutual, who offers liability only coverage for sometimes as little as $27 per month, on average.

Sierra Overview

With a base price of just $31,200 for new 2022 models, the GMC Sierra is a great budget-friendly truck for drivers of all types. The Sierra is not just on the affordable end of the spectrum when it comes to overall price point, it's also a great option for your budget when thinking about your future car insurance premiums.

We crunched the numbers on thousands of insurance quotes on Compare.com, and we've found that GMC Sierra auto insurance rates run about $162 a month, on average. But how does that fare against its competitors?

Current Base Price$31,200
Body Style(s)Truck
Trim LevelsC1500 DENALI, K1500 ELEVATION-L, K2500 HEAVY DUTY, K2500 SLT, K3500 SLT, C1500, C1500 SLE, K3500 DENALI, K1500 SLE, K2500 AT4, K1500 SLT, C2500 HEAVY DUTY, C3500 SLE, K2500 DENALI, K3500, K1500, C3500 SLT, K1500 DENALI, C1500 SLT, C2500 SLE, K1500 AT4, K3500 SLE, K1500 ELEVATION, C2500 SLT, C1500 ELEVATION, C3500, K2500 SLE, K3500 AT4
Average Insurance Premium$162/mo.
Cheapest Insurance CompanyOhio Mutual

How Much is Car Insurance for a GMC Sierra?

Vehicle Liability Only Full Coverage
GMC Sierra$68$152
All GMC Models$73$142
All Trucks$70$147
Average Insurance Premium$81$169

Looking at the table above, you'll find that GMC Sierra insurance prices are cheaper than average compared to other vehicles. On average, Sierra drivers can expect to pay around $68 monthly for liability insurance, and about $152 per month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on the difference).

Comparing it to other GMC models, the Sierra is slightly more expensive, with premiums around 7% higher than the rest of the company's vehicle lineup. However, Sierra coverage runs close to average when compared to other vehicles of a similar body style, with full coverage insurance rates coming in at $5 higher than other trucks and liability insurance prices at $2 cheaper.

Compared to all vehicles of any body type, the Sierra is more expensive for full coverage car insurance, but liability only premiums are cheaper.

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Who has the Cheapest Car Insurance for a GMC Sierra?

Insurance Company Average Monthly Premium
Ohio Mutual$27
MetLife$33
Aspire$35
AnswerFinancial$37
MetroMile$37

If you're looking for a new car insurance policy for your GMC Sierra, you're probably wondering which carrier offers the cheapest prices. Although rates can fluctuate pretty significantly from driver to driver, Ohio Mutual offers the lowest average rates for liability only coverage, with rates as little as just $27 a month. The next cheapest company is MetLife, who offers auto insurance sometimes as cheap as $33 monthly.

Aspire, AnswerFinancial, and MetroMile finish off the rest of the top 5. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Insurance companies take a whole range of different factors into consideration when calculating monthly premiums. The only way to guarantee you'll find the most affordable rates is to compare quotes from a range of car insurance carriers.

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What Factors Affect Car Insurance Rates for a GMC Sierra?

As we mentioned above, there are an array of things that insurance companies use to choose how much they charge for car insurance -- and each carrier weighs different variables more heavily than others, so there's not a singular company that's the lowest for every Sierra driver.

Below are just a few of the variables auto insurance carriers look at and how each one affects your final rate:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$77
2-3 Years$76
4-5 Years$75
6-7 Years$76
8-10 Years$75
11-14 Years$71
15 Years or Older$64

GMC has been making the Sierra for quite some time -- and that means the car's age may make a big difference in how much you'll pay for insurance. Normally, it costs more to insure newer cars because they're worth more, but as they get older, insurance costs will gradually decrease.

According to the table above, the GMC Sierra follows this trend, as the most expensive models to insure are those that are 1 year old or less, while on average, the cheapest models are Sierras that are 15 years old or more.

Your Age

Age Average Monthly Premium

Age plays a significant role in how much car insurance companies will charge. In the table above, you'll see that drivers under 18 pay more compared to drivers with more experience on the road. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Auto insurance prices continue to go lower as you get older, with drivers aged 55-64 making up the cheapest age group for the Sierra.

Your Gender

Gender Average Monthly Premium
Male$70
Female$62

You may not know, but auto insurance is normally cheaper for women than it is for men. This is because men are more likely to get into accidents and get speeding tickets, which raises the chances of an insurance claim. The GMC Sierra is no different, and women pay about $62 a month for insurance and men pay around $70.

Where You Live

State Average Monthly Premium
California$51
Florida$95
Georgia$98
Illinois$45
New York$135
North Carolina$49
Ohio$47
Pennsylvania$60
Texas$59
Virginia$54

You may already know that factors such as how old you are and what vehicle you drive play a role in your car insurance prices, but you may not realize that where you live can be just as important. Because auto insurance is regulated at the state level, rates can differ quite a bit depending on what state you live in.

For example, the average GMC Sierra owner in New York pays about $135 per month for liability coverage. Meanwhile, on average, the same Californian driver will pay less than half of that price. The table referenced above shows average premiums for the 10 largest states by population, just to give you a good idea of how much prices can change across states.

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GMC Sierra Car Insurance Discounts

Regardless of your car, your age, or your home state, using as many discounts as possible when it comes to your insurance policy is always important.

While no two auto insurance carriers offer the same exact discounts, there are a few different ones that you'll find with most companies. These include things like:

  • Defensive driving discounts for taking a defensive driving class through a certified school or institution
  • Multi-car discounts for insuring more than one of your vehicles with the same carrier
  • Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings
  • Multi-policy discounts for getting both your home and auto policies from the same company

However, discounts aren't the only way to save.

Even though you may not have control of every factor car insurance carriers take into account to calculate premiums (like some of the ones mentioned above), you do have a say over some of them. Below are just a few of the ones you can use to your favor in order to save money on insurance:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$89
Multiple Accidents$112
1 Ticket$86
Multiple Tickets$109

It's no secret that car insurance companies offer the cheapest rates to drivers with clean records. And you're probably not surprised to hear that if you get a ticket for speeding or get into a collision, auto insurance prices will go higher. But exactly how much will these infractions cost you?

You can tell from the table above that accidents will usually cost Sierra drivers more than tickets, but both will cause a significant increase in rates. GMC Sierra drivers with a single ticket will pay an average of $86 monthly, while drivers with one accident on their record pay about $89 a month (up $21 from the $68/mo. overall average). Those who have more than one of either violation will end up paying even more.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$65
2,501-5,000 Miles$64
5,001-7,500 Miles$62
7,501-10,000 Miles$69
10,000+ Miles$71

How much you drive annually impacts your insurance rates. Those who drive less are less likely to get speeding tickets, so they'll usually get less expensive prices. Above, you can see that GMC Sierra owners who drive 10,000 miles or more pay $71 for auto insurance, while those who drive fewer than 2,500 miles each year pay an average of $65 per month.

But if you work from home or drive less often than the average driver, it may be worth getting pay-per-mile or usage-based insurance. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do GMC Sierras Compare to Other Vehicles?

If you're thinking about purchasing a GMC Sierra, it might be helpful to do your due diligence. Car insurance is just one cost that comes with buying a new car, but it's certainly one that's worth considering.

Take a look at the table below to see how the GMC Sierra compares:

GMC Sierra National Average
Liability Insurance$33$81
Full Coverage Insurance$120$169
Base MSRP$31,200$46,192
Average Annual Mileage11,91011,617

As you can see, a GMC Sierra is a great value when it comes to overall price tag. While the average vehicle MSRP in the U.S. is $46,192, the Sierra retails at just $31,200.

In the same fashion, car insurance premiums are lower when compared to other vehicles on the market. Liability insurance for a GMC Sierra is around $48 per month less than average, while full coverage is more than $40 cheaper a month.

When it comes to usage, GMC Sierra drivers are near the national average in annual miles driven, with 11,617 miles per year for all vehicles compared to the Sierra's 11,910 every year.

GMC Sierra Car Insurance Costs by Model Year

We've gone over many of the things that can have an impact on how much the average driver pays for insurance. If you're in thinking about buying a new car, truck, or SUV and the Sierra is on your wishlist, having a good idea of exactly what you'll pay can be helpful as you consider your choices.

2022 GMC Sierra Car Insurance

   
Liability Only Avg. Premium$33
Full Coverage Avg. Premium$120
Base MSRP$31,200
Cheapest Insurance CompanySun Coast - $33/mo.
Available TrimsC1500, C1500 DENALI, C1500 ELEVATION, C1500 SLE, C1500 SLT, C2500 HEAVY DUTY, C2500 SLE, C2500 SLT, C3500, C3500 SLE, C3500 SLT, K1500, K1500 AT4, K1500 DENALI, K1500 ELEVATION, K1500 ELEVATION-L, K1500 SLE, K1500 SLT, K2500 AT4, K2500 DENALI, K2500 HEAVY DUTY, K2500 SLE, K2500 SLT, K3500, K3500 AT4, K3500 DENALI, K3500 SLE, K3500 SLT

If you're considering a brand new GMC Sierra, you've got plenty of options. With a base price of $31,200, the 2022 Sierra is offered in 28 different trim levels, which means you'll have your pick of the best styles.

The average 2022 GMC Sierra typically costs about $33 monthly to insure for liability only and $120 a month for full coverage. And if you want the cheapest insurance possible, Sun Coast offers liability only policies for as cheap as just $33 monthly.

While this gave you a good idea of what the average 2022 Sierra will cost to insure, a personalized quote is the only way to know exactly how much car insurance will cost you. Luckily, with Compare.com you can get quotes from a variety of carriers at once, all for free. Just enter your ZIP code below, answer a few questions, and unlock your best rates in minutes.

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2021 GMC Sierra Car Insurance

   
Liability Only Avg. Premium$97
Full Coverage Avg. Premium$192
Base MSRP$29,700
Cheapest Insurance CompanyAspire - $32/mo.
Available TrimsC1500, C1500 DENALI, C1500 ELEVATION, C1500 SLE, C1500 SLT, C2500 HEAVY DUTY, C2500 SLE, C2500 SLT, C3500, C3500 SLE, C3500 SLT, K1500, K1500 AT4, K1500 DENALI, K1500 ELEVATION, K1500 SLE, K1500 SLT, K2500 AT4, K2500 DENALI, K2500 HEAVY DUTY, K2500 SLE, K2500 SLT, K3500, K3500 AT4, K3500 DENALI, K3500 SLE, K3500 SLT

If you're in the market for a 2021 Sierra or already own one, you're most likely looking at an average insurance rate of around $192 for full coverage or $97 for a liability only policy.

And if you're just looking for the most affordable auto insurance for your Sierra, Aspire offers liability only policies for as little as $32 per month.

If you're looking for a more exact figure on what you should pay for car insurance for a 2021 GMC Sierra, you can get free quotes in minutes by just entering your ZIP code below.

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2020 GMC Sierra Car Insurance

   
Liability Only Avg. Premium$84
Full Coverage Avg. Premium$177
Base MSRP$29,600
Cheapest Insurance CompanyInfinity - $30/mo.
Available TrimsC1500, C1500 DENALI, C1500 ELEVATION, C1500 SLE, C1500 SLT, C2500 HEAVY DUTY, C2500 SLE, C2500 SLT, C3500, C3500 SLE, C3500 SLT, K1500, K1500 AT4, K1500 DENALI, K1500 ELEVATION, K1500 SLE, K1500 SLT, K2500 AT4, K2500 DENALI, K2500 HEAVY DUTY, K2500 SLE, K2500 SLT, K3500, K3500 AT4, K3500 DENALI, K3500 SLE, K3500 SLT

The average cost to insure a 2020 GMC Sierra with liability only coverage is $84 monthly, while full coverage runs about $177 a month.

With rates as low as $30 per month, Infinity offered the lowest policy we found for the 2020 GMC Sierra.

Want to figure out exactly what you'll be asked to pay? Just enter your ZIP code below to get several free personalized quotes.

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2019 GMC Sierra Car Insurance

   
Liability Only Avg. Premium$78
Full Coverage Avg. Premium$186
Base MSRP$29,600
Cheapest Insurance CompanyAmica - $23/mo.
Available TrimsC1500, C1500 DENALI, C1500 ELEVATION, C1500 SLE, C1500 SLT, C2500 DENALI, C2500 HEAVY DUTY, C2500 SLE, C2500 SLT, C3500, C3500 DENALI, C3500 SLE, C3500 SLT, K1500, K1500 AT4, K1500 DENALI, K1500 ELEVATION, K1500 SLE, K1500 SLT, K2500 DENALI, K2500 HEAVY DUTY, K2500 SLE, K2500 SLT, K3500, K3500 DENALI, K3500 SLE, K3500 SLT

It costs around $78 monthly for liability or $186 for a full coverage policy for the 2019 Sierra.

We found Amica offered the most affordable policy, with rates as low as just $23 a month.

If you want to find the best premiums for auto insurance for a 2019 GMC Sierra, enter your ZIP code below and compare several personalized quotes in just a few minutes.

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2018 GMC Sierra Car Insurance

   
Liability Only Avg. Premium$79
Full Coverage Avg. Premium$178
Base MSRP$29,000
Cheapest Insurance CompanyMetLife - $22/mo.
Available TrimsC1500, C1500 DENALI, C1500 SLE, C1500 SLT, C2500 DENALI, C2500 HEAVY DUTY, C2500 SLE, C2500 SLT, C3500, C3500 DENALI, C3500 SLE, C3500 SLT, K1500, K1500 DENALI, K1500 SLE, K1500 SLT, K2500 DENALI, K2500 HEAVY DUTY, K2500 SLE, K2500 SLT, K3500, K3500 DENALI, K3500 SLE, K3500 SLT

2018 GMC Sierra drivers can expect to pay an average of $79 per month for liability or $178 for full coverage.

Looking for the cheapest policy? MetLife offered liability only coverage for sometimes as low as $22 a month.

While these are good estimates of what the average driver might pay to insure a 2018 GMC Sierra, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2017 GMC Sierra Car Insurance

   
Liability Only Avg. Premium$74
Full Coverage Avg. Premium$168
Base MSRP$28,405
Cheapest Insurance CompanyHugo - $19/mo.
Available TrimsC1500, C1500 DENALI, C1500 SLE, C1500 SLT, C2500 DENALI, C2500 HEAVY DUTY, C2500 SLE, C2500 SLT, C3500, C3500 DENALI, C3500 SLE, C3500 SLT, K1500, K1500 DENALI, K1500 SLE, K1500 SLT, K2500 DENALI, K2500 HEAVY DUTY, K2500 SLE, K2500 SLT, K3500, K3500 DENALI, K3500 SLE, K3500 SLT

You can expect full coverage for a 2017 Sierra to run about $168 per month, while liability only coverage will average around $74 monthly.

With rates as cheap as $19 a month, Hugo offered the most affordable policy we found.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2016 GMC Sierra Car Insurance

   
Liability Only Avg. Premium$67
Full Coverage Avg. Premium$157
Base MSRP$27,815
Cheapest Insurance CompanyACG - $16/mo.
Available TrimsC1500, C1500 DENALI, C1500 SLE, C1500 SLT, C2500 DENALI, C2500 HEAVY DUTY, C2500 SLE, C2500 SLT, C3500, C3500 DENALI, C3500 SLE, C3500 SLT, K1500, K1500 DENALI, K1500 SLE, K1500 SLT, K2500 DENALI, K2500 HEAVY DUTY, K2500 SLE, K2500 SLT, K3500, K3500 DENALI, K3500 SLE, K3500 SLT

On average, drivers who own a 2016 GMC Sierra can expect to pay $67 to $157 monthly for liability only and full coverage car insurance, respectively.

ACG has premiums sometimes as little as $16 per month for the 2016 GMC Sierra.

Interested in what your insurance price will be? Just enter your ZIP code below to get multiple customized quotes for free.

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2015 GMC Sierra Car Insurance

   
Liability Only Avg. Premium$102
Full Coverage Avg. Premium$170
Base MSRP$26,670
Cheapest Insurance CompanyClearcover - $19/mo.
Available TrimsC1500, C1500 DENALI, C1500 SLE, C1500 SLT, C2500 DENALI, C2500 HEAVY DUTY, C2500 SLE, C2500 SLT, C3500, C3500 DENALI, C3500 SLE, C3500 SLT, K1500, K1500 DENALI, K1500 SLE, K1500 SLT, K2500 DENALI, K2500 HEAVY DUTY, K2500 SLE, K2500 SLT, K3500, K3500 DENALI, K3500 SLE, K3500 SLT

The average cost to insure a 2015 Sierra with liability only coverage is $102 monthly, while full coverage runs about $170 a month.

If you're looking for the lowest possible 2015 GMC Sierra insurance policy, Clearcover offered the lowest policy we found, with rates as low as just $19 per month.

These average rates are a great starting point if you're in the market for a 2015 GMC Sierra, but there are multiple different variables that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2014 GMC Sierra Car Insurance

   
Liability Only Avg. Premium$73
Full Coverage Avg. Premium$158
Base MSRP$26,075
Cheapest Insurance CompanyStateAuto - $23/mo.
Available TrimsC1500, C1500 DENALI, C1500 SLE, C1500 SLT, C2500 DENALI, C2500 HEAVY DUTY, C2500 SLE, C2500 SLT, C3500, C3500 DENALI, C3500 SLE, C3500 SLT, K1500, K1500 DENALI, K1500 SLE, K1500 SLT, K2500 DENALI, K2500 HEAVY DUTY, K2500 SLE, K2500 SLT, K3500, K3500 DENALI, K3500 SLE, K3500 SLT

It costs around $73 monthly for liability or $158 for a full coverage policy for the 2014 GMC Sierra.

StateAuto offered the cheapest policy we found, with rates as low as $23 a month.

If you want to find the best premiums for auto insurance for a 2014 GMC Sierra, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2013 GMC Sierra Car Insurance

   
Liability Only Avg. Premium$80
Full Coverage Avg. Premium$155
Base MSRP$23,590
Cheapest Insurance CompanySafeco - $17/mo.
Available TrimsC1500, C1500 DENALI, C1500 HYBRID, C1500 SL, C1500 SLE, C1500 SLT, C2500 DENALI, C2500 HEAVY DUTY, C2500 SLE, C2500 SLT, C3500, C3500 DENALI, C3500 SLE, C3500 SLT, K1500, K1500 DENALI, K1500 HYBRID, K1500 SL, K1500 SLE, K1500 SLT, K2500 DENALI, K2500 HEAVY DUTY, K2500 SLE, K2500 SLT, K3500, K3500 DENALI, K3500 SLE, K3500 SLT

On average, drivers who own a 2013 Sierra can expect to pay $80 to $155 per month for liability only and full coverage insurance, respectively.

With prices sometimes as cheap as $17 a month, Safeco offered the most affordable policy we found for the 2013 GMC Sierra.

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2012 GMC Sierra Car Insurance

   
Liability Only Avg. Premium$71
Full Coverage Avg. Premium$149
Base MSRP$22,195
Cheapest Insurance CompanySafeco - $21/mo.
Available TrimsC1500, C1500 DENALI, C1500 HYBRID, C1500 SL, C1500 SLE, C1500 SLT, C2500 DENALI, C2500 HEAVY DUTY, C2500 SLE, C2500 SLT, C3500, C3500 DENALI, C3500 SLE, C3500 SLT, K1500, K1500 DENALI, K1500 HYBRID, K1500 SL, K1500 SLE, K1500 SLT, K2500 DENALI, K2500 HEAVY DUTY, K2500 SLE, K2500 SLT, K3500, K3500 DENALI, K3500 SLE, K3500 SLT

2012 GMC Sierra drivers can expect to pay an average of $71 per month for liability or $149 for full coverage.

Looking for the lowest policy? Safeco offered liability only coverage for as little as just $21 monthly.

If you want to know exactly how much you can expect to pay for your Sierra, just enter your ZIP code below and get free quotes in minutes.

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2011 GMC Sierra Car Insurance

   
Liability Only Avg. Premium$78
Full Coverage Avg. Premium$159
Base MSRP$21,235
Cheapest Insurance CompanyShelter Mutual - $21/mo.
Available TrimsC1500, C1500 DENALI, C1500 HYBRID, C1500 SL, C1500 SLE, C1500 SLT, C2500 DENALI, C2500 HEAVY DUTY, C2500 SLE, C2500 SLT, C3500, C3500 DENALI, C3500 SLE, C3500 SLT, K1500, K1500 DENALI, K1500 HYBRID, K1500 SL, K1500 SLE, K1500 SLT, K2500 DENALI, K2500 HEAVY DUTY, K2500 SLE, K2500 SLT, K3500, K3500 DENALI, K3500 SLE, K3500 SLT

You can expect full coverage for a 2011 Sierra to run about $159 per month, while liability only coverage will average around $78 a month.

We found Shelter Mutual offered the cheapest policy, with rates as cheap as $21 monthly.

If you want to know just how much your premium will be, just enter your ZIP code below and get free quotes in minutes.

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2010 GMC Sierra Car Insurance

   
Liability Only Avg. Premium$80
Full Coverage Avg. Premium$142
Base MSRP$20,850
Cheapest Insurance CompanyClearcover - $17/mo.
Available TrimsC1500, C1500 DENALI, C1500 HYBRID, C1500 SL, C1500 SLE, C1500 SLT, C2500 HEAVY DUTY, C2500 SLE, C2500 SLT, C3500, C3500 SLE, C3500 SLT, K1500, K1500 DENALI, K1500 HYBRID, K1500 SL, K1500 SLE, K1500 SLT, K2500 HEAVY DUTY, K2500 SLE, K2500 SLT, K3500, K3500 SLE, K3500 SLT

On average, drivers who own a 2010 GMC Sierra can expect to pay $80 to $142 per month for liability only and full coverage car insurance, respectively.

Clearcover offered the lowest policy we found, with rates sometimes as low as $17 a month.

Want something more accurate than national averages? Enter your ZIP code below to get several personalized quotes for free.

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GMC Sierra Insurance FAQs

Is a GMC Sierra expensive to insure?

When compared to the national average of all vehicles, the cost of insurance is about on par with the cost of insuring the average vehicle. Liability insurance runs an average of $68 monthly, while full coverage will cost you around $152.

How can I get the best price on car insurance for my GMC Sierra?

There's only one way to guarantee you're getting the cheapest rates -- regularly shopping around and getting quotes. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a lot of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my GMC Sierra affect my insurance prices?

You may have heard the old adage that it costs more to insure a red car, but that's simply not true. Even though there are a variety of factors auto insurance carriers use when they offer premiums, the color of your GMC Sierra is not used to make that determination.

Do I need to have insurance before I buy a GMC Sierra?

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have an auto insurance policy in place. Some dealerships will offer you one during the purchase process, but the best thing to do when buying a a new truck is to let your car insurance carrier know ahead of time.

What car insurance discounts can I get for my GMC Sierra?

There are a ton of discounts out there for insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are more based on you than the Sierra you drive, but if your Sierra has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may qualify for certain discounts. The only way to be certain is to get in touch with your insurance company and ask about which discounts they offer.

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