Compare 1999 Chevrolet Silverado 2500 Insurance Quotes

Having to pay for overpriced Chevrolet Silverado 2500 insurance can dry up your bank account and put the squeeze on your family’s finances. Multiple insurers compete for your insurance dollar, so it’s not easy to compare every company and uncover the absolute lowest cost out there.

Consumers need to do rate comparisons before your policy renews since insurance rates trend upward over time. If you had the lowest premium rates for Silverado insurance on your last policy there is a good chance you can find better prices now. Forget anything you know (or think you know) about insurance coverage because I’m going to teach you how to use the internet to properly buy coverages and cut your premium.

If you have a current car insurance policy or need new coverage, you will benefit by learning to get lower rates while maintaining coverages. Buying car insurance is quite easy. Drivers just need to know the best way to compare price quotes on the web.

Discounts to earn cheaper car insurance rates

Some providers don’t always advertise every policy discount in a way that’s easy to find, so the next list breaks down some of the more common and the harder-to-find discounts you could be receiving when you buy car insurance online.

• Multiple Policy Discount – If you combine your auto and homeowners policies with one insurance company you may earn 10% to 20% off each policy.
• Seat Belt Usage – Using a seat belt and requiring all passengers to fasten their seat belts can save a little off PIP or medical payments premium.
• Driver’s Ed – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class as it can save substantially.
• Discount for Life Insurance – Larger companies have a small discount if you purchase some life insurance in addition to your auto policy.
• Paperless Signup – Certain car insurance companies give back up to $50 for completing your application on the web.
• Accident Forgiveness – Not a discount per se, but companies like Progressive, State Farm and Geico may permit one accident before your rates go up so long as you haven’t had any claims for a specific time period.

While discounts sound great, it’s important to understand that most discount credits are not given to the overall cost of the policy. Some only apply to specific coverage prices like comprehensive or collision. Just because you may think it’s possible to get free car insurance, nobody gets a free ride. Any amount of discount will cut your premiums.

Insurance companies that may have these discounts include:

• Farmers Insurance
• State Farm
• Liberty Mutual
• MetLife
• Progressive

Before you buy a policy, ask each insurance company which discounts you may be entitled to. A few discounts might not be offered everywhere. To choose companies that offer multiple discounts, follow this link.

Cheapest insurance rate quotes

Shopping for lower insurance rates can be exhausting if you don’t know the most efficient way to do it. You could waste a few hours talking to agents in your area, or you could use the internet to maximize your effort.

Many insurance companies belong to a marketplace where prospective buyers enter their coverage request one time, and at least one company then gives them pricing based on that data. This eliminates the need for quote forms to each company.

To access this free quoting program, click here (opens in new window).

The one disadvantage to getting quotes like this is that you can’t choose the providers to receive prices from. If you would rather choose specific insurance companies to compare rates, we put together a list of companies who write insurance in your area. View list of insurance companies.

Whichever way you choose to compare rates, do your best to enter nearly identical deductibles and coverage limits on every quote. If the quotes have unequal deductibles or liability limits it’s impossible to decipher which rate is best.

Tailor your insurance coverage to you

When choosing the right insurance coverage, there really is no perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if you could use an agent’s help.

• When does my teenage driver need to be added to my policy?
• How much underlying liability do I need for an umbrella policy?
• Are my friends covered when driving my 1999 Chevy Silverado 2500?
• Do I need to file an SR-22 for a DUI in my state?
• Am I covered by my spouse’s policy after a separation?
• Is other people’s property covered if stolen from my vehicle?
• I don’t drive much so do I pay less?
• Is a fancy paint job covered?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Insurance coverages and their meanings

Learning about specific coverages of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types found on most insurance policies.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for immediate expenses like EMT expenses, X-ray expenses, hospital visits, rehabilitation expenses and pain medications. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Collision – Collision coverage will pay to fix damage to your Silverado 2500 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a building, crashing into a ditch, scraping a guard rail and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Coverage for liability – Liability insurance will cover damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as emergency aid, pain and suffering, medical services and repair costs for stationary objects. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses 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, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision) – This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like vandalism, damage from flooding, hail damage, damage from getting keyed and hitting a deer. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Buy Smart and Save

While you’re price shopping online, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many instances, someone dropped liability coverage limits only to discover later that the savings was not a smart move. Your aim should be to buy the best coverage you can find at an affordable rate but still have enough coverage for asset protection.

We just covered a lot of techniques to shop for 1999 Chevy Silverado 2500 insurance online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your prices. You may be surprised to find that the lowest premium rates come from a lesser-known regional company. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.

Other information

• Red Light Cameras (State Farm)
• Who Has Cheap Car Insurance Rates for a Chevrolet Silverado in Aurora? (InsuranceAurora.com)
• Who Has Cheap Plano Auto Insurance Quotes for a Chevrolet Silverado? (PlanoInsure.com)
• Who Has the Cheapest Chicago Auto Insurance for a Chevrolet Silverado? (QuoteChicago.com)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Collision Coverage (Liberty Mutual)