View 1999 Chevrolet Silverado 1500 Insurance Quotes

I doubt anyone likes having to buy insurance, especially when they know they could find better prices if they shop around. Due to the abundance of options when it comes to insurance, it can be diffult for drivers to choose the right insurance company.

Buying car insurance is not that difficult. If you have insurance now or are shopping for new coverage, you can use these tips to shop for the lowest rates and possibly find even better coverage. Consumers just need to know the proper methods to shop their coverage around online.

Low cost car insurance price quotes online

Getting a cheaper price on 1999 Chevy Silverado 1500 insurance is actually quite simple. Consumers just need to take a couple of minutes comparing rates provided by online insurance companies. Comparing prices online can be done in several different ways.

Experts agree that the best way consumers can analyze rates is an all-inclusive rate comparison click to view form in new window. This type of form keeps you from doing multiple quote forms for each price estimate. Filling out one form gets coverage cost estimates instantly.

A more difficult way to find more affordable insurance consists of going to each individual company website to request a price quote. For example, let’s assume you want to see prices from Allstate, Safeco and Liberty Mutual. To do that, you would have to go to each individual site and repeatedly enter your information, which is why the first method is quicker.

For a list of links to companies insuring cars in your area, click here.

It’s up to you how you get prices quotes, just be sure you’re using the exact same information with every price quote. If each company quotes different values for each quote then you won’t be able to find the best deal for your Chevy Silverado 1500.

Save $389 a year! What?

Drivers can’t ignore all the ads for auto insurance savings from companies such as 21st Century, Allstate and State Farm. They all have a common claim that drivers can save some big amount if you just switch your policy.

How does each company save you money? Just pay attention to how they say it.

Insurance companies have specific characteristics for the right customer that earns them the most money. An example of a desirable insured might be a married female, carries high limits, and has excellent credit. Any customer that hits that “sweet spot” gets the lowest rates and as a result will probably cut their rates substantially.

Insureds who don’t meet those standards will get higher prices which translates to the customer not purchasing. The trick companies use is to say “customers that switch” not “everyone who quotes” save money. That’s why companies can truthfully make those claims. This really illustrates why drivers must do a price quote comparison at every renewal. It is just not possible to predict with any certainty which company will provide the lowest prices.

Lower rate quotes with these auto insurance discounts

Auto insurance can be pricey, but companies offer discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically at quote time, but lesser-known reductions have to be specially asked for before you will receive the discount.

• Bundle and Save – If you can combine your auto and home policy and insure them with the same company you may earn at least 10 to 15 percent or more.
• Theft Deterent – Cars, trucks, and SUVs that have factory anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
• Senior Citizen Discount – If you’re over the age of 55, you may be able to get a small discount on rates for Silverado coverage.
• Good Students Pay Less – Maintaining excellent grades may save you up to 25%. The good student discount can last up to age 25.
• Distant Student Discount – Youth drivers who live away from home to go to college without a vehicle on campus may be insured at a cheaper rate.
• Braking Control Discount – Cars that have anti-lock braking systems can avoid accidents so you can save 10 percent or more.
• Discount for New Cars – Buying a new car model can save up to 30% due to better safety requirements for new vehicles.
• Fewer Miles Equal More Savings – Driving less could qualify for substantially lower premium rates.
• Telematics Discount – Drivers who elect to allow driving data submission to scrutinize where and when they drive by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates if they have good driving habits.

One thing to note about discounts is that some credits don’t apply to the entire cost. A few only apply to the cost of specific coverages such as comp or med pay. Despite the fact that it seems like you could get a free auto insurance policy, it doesn’t quite work that way.

Popular auto insurance companies and a summarized list of policyholder discounts are detailed below.

• State Farm discounts include defensive driving training, passive restraint, Steer Clear safe driver discount, good student, and multiple autos.
• Geico offers premium reductions for membership and employees, driver training, multi-policy, air bags, seat belt use, anti-theft, and anti-lock brakes.
• SAFECO may offer discounts for multi-car, anti-lock brakes, bundle discounts, drive less, and teen safety rewards.
• Farmers Insurance includes discounts for multi-car, good student, pay in full, teen driver, alternative fuel, and bundle discounts.
• AAA has savings for good driver, multi-car, good student, anti-theft, and multi-policy.
• USAA has discounts for safe driver, family discount, multi-policy, annual mileage, driver training, and defensive driver.

When getting a coverage quote, ask all the companies how many discounts you can get. All car insurance discounts may not apply to policyholders in your area.

Insurance can get complicated

When choosing the best insurance coverage, there is no single plan that fits everyone. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that may help highlight whether or not you may require specific advice.

• Is my babysitter covered when using my vehicle?
• What vehicles should carry emergency assistance coverage?
• Will my insurance pay for OEM parts?
• When should I drop full coverage on my 1999 Chevy Silverado 1500?
• What should my uninsured motorist coverage limits be in my state?
• Is my 1999 Chevy Silverado 1500 covered for smoke damage?
• Why am I required to buy liability insurance?
• Do I need replacement cost coverage on my 1999 Chevy Silverado 1500?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, free and may give you better protection.

Coverage specifics

Understanding the coverages of insurance can help you determine the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average insurance policy.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Auto liability insurance

This protects you from injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage pays for things such as funeral expenses, bail bonds, legal defense fees and medical expenses. How much coverage you buy is your choice, but buy higher limits if possible.

Collision protection

This will pay to fix damage to your Silverado 1500 from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a ditch, sustaining damage from a pot hole, driving through your garage door and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Medical expense insurance

Med pay and PIP coverage pay for expenses such as EMT expenses, X-ray expenses, doctor visits, rehabilitation expenses and dental work. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

This will pay to fix 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 things such as a broken windshield, falling objects and theft. The most your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Shop Smart and Save

We just covered many tips how you can get a better price on 1999 Chevy Silverado 1500 insurance. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your prices. Consumers could even find that the best premium rates are with some of the smallest insurance companies. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and Geico.

While you’re price shopping online, you should never reduce coverage to reduce premium. In many cases, drivers have reduced collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your aim should be to buy the best coverage you can find at the best price and still be able to protect your assets.

To learn more, link through to these articles:

• Top Signs Your Brakes are Giving Out (State Farm)
• Who Has Affordable Auto Insurance Quotes for a Chevrolet Silverado in Raleigh? (RaleighCoverage.com)
• Who Has Cheap Plano Auto Insurance Quotes for a Chevrolet Silverado? (PlanoInsure.com)
• Cellphones, Texting and Driving (iihs.org)
• Choosing an Insurance Company (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• Neck Injury FAQ (iihs.org)
• Electronic Stability Control FAQ (iihs.org)