Compare 2001 Chevrolet Silverado 2500HD Insurance Rates
Drivers have lots of choices when trying to find affordable Chevy Silverado 2500HD insurance. They can either waste time driving around getting price quotes or save time using the internet to compare rates. There is a right way and a wrong way to find insurance coverage online and you need to know the absolute fastest way to quote coverages on a Chevy and locate the best price possible.
Choosing the best insurance company for you is quite easy. If you currently have car insurance, you will be able to cut costs considerably using these tips. Drivers only need an understanding of the proper methods to compare prices online.
How much is car insurance?
Lowering your 2001 Chevy Silverado 2500HD car insurance rates is actually quite simple. Consumers just need to spend a few minutes comparing rates to find. It’s super easy and can be done using a couple different methods.
- The recommended way to get the best comparison quotes is an all-inclusive rate comparison (click to open form in new window). This style of form saves time by eliminating a different quote for each price estimate. Completing one form will return price quotes from multiple companies. This is perfect if you don’t have a lot of time.
- A slightly less efficient method to compare prices requires a visit to the website for each individual company and go through the quote process again. For instance, we’ll assume you want to see prices from Auto-Owners, Liberty Mutual and GMAC. In order to compare rates, you need to visit each site to input your insurance information, which explains why we recommend starting with the first method.
For a list of companies in your area, click here.
- The least efficient and most time consuming way to get rate quotes is driving to insurance agents’ offices. The ability to quote online has reduced the need for local agents unless you have a need for the trained advice of a local agent. Drivers can obtain prices from the web but buy the policy through an agent.
The method you choose is up to you, but do your best to use the same coverage limits for every quote you compare. If your comparisons have unequal deductibles or liability limits you will not be able to make a fair rate comparison.
Insurance coverage discounts help reduce rates
Companies don’t always advertise every available discount in a way that’s easy to find, so the next list breaks down both the well known and the more hidden discounts you could be receiving when you buy insurance online.
- Discount for Low Mileage – Keeping the miles down on your Chevy may allow you to get lower premium rates on the low mileage vehicles.
- Discounts for Multiple Vehicles – Purchasing coverage when you have all your vehicles with one company can get a discount on all vehicles.
- Pay Early and Save – If you pay your entire premium ahead of time as opposed to paying monthly you could save 5% or more.
- Military Discounts – Having a family member in the military could mean lower premium rates.
- Anti-theft Discount – Vehicles optioned with advanced anti-theft systems are less likely to be stolen and will save you 10% or more.
- E-sign Discounts</strong – A few insurance companies may give you up to $50 get insurance over the internet.
- Senior Citizen Rates – Drivers over the age of 55 could receive a small discount on rates for SilveradoHD coverage.
- Discounts for Responsible Drivers – Insureds without accidents can pay as much as 50% less for SilveradoHD coverage compared to accident prone drivers.
- Discounts for New Vehicles – Putting insurance coverage coverage on a new car is cheaper because newer models are generally safer.
- Seat Belt Usage – Drivers who require all vehicle occupants to buckle their seat belts could save 15% off the personal injury premium cost.
As a disclaimer on discounts, most credits do not apply to the entire cost. Most only cut individual premiums such as medical payments or collision. Despite the appearance that all the discounts add up to a free policy, that’s just not realistic.
To find insurance coverage companies with the best discounts, click here to view.
Which is the best car insurance?
When buying the best car insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is unique.
Here are some questions about coverages that might help in determining whether you would benefit from an agent’s advice.
- Which companies will insure high-risk drivers?
- Do I have coverage for damage caused while driving under the influence?
- Do I need PIP (personal injury protection) coverage in my state?
- When should my teen driver be added to my policy?
- Should I buy additional glass protection?
- Should I carry comprehensive and collision coverage?
- Does coverage extend to Mexico or Canada?
- Is borrowed equipment or tools covered if stolen or damaged?
If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.
Insurance coverages and their meanings
Learning about specific coverages of insurance can help you determine appropriate coverage for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.
Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for expenses such as funeral costs, dental work and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
Comprehensive coverage – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage protects against claims such as damage from flooding, falling objects, rock chips in glass and hitting a bird. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.
Collision coverages – This will pay to fix damage to your Silverado 2500HD from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.
Collision coverage pays for claims like hitting a parking meter, driving through your garage door and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to bring the cost down.
Liability auto insurance – This coverage protects you from injuries or damage you cause to a person or their property. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage protects against claims like medical services, structural damage, court costs, funeral expenses and medical expenses. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.
Hanna Meyers
I compared a lot of rate quotes for a 2001 Chevrolet Silverado 2500HD in Spokane, WA. Ended up at right around $90 every six months with AAA. My new agent seems to be really good. It’s still not cheap enough.
Sandra Rogers
Good site, thanks. From a town just southwest of Baltimore, MD. Received rates from Progressive, American Family, and Encompass for my 2001 Chevrolet Silverado 2500HD and cut my rates about $90 a year. Left The General to switch. I got a quote from their website.
Taylor Turner
Located in Bismarck, ND. Got rates from Allstate, American Family, Encompass, and GMAC for my Chevrolet and I think I am saving around $20 each month. Insured with The General before. Wish I didn’t have to insure at all. I don’t insure for physical damage though.
Lanelle Mcdonald
Hope my rates come down. Live in Chesapeake, Virginia. Quoted prices online for a 2001 Chevrolet Silverado 2500HD. Ended up at about $110 savings annually. Went with State Farm. Left Hanover to switch. A clean driving record helps. Hardly afford to drive anymore. Anyone else drop full coverage?
Vanita Madden
Like your site, BTW. I’m in the suburbs of Indianapolis, Indiana. Quoted quotes with American Family, MetLife, and some smaller one I can’t remember the name of for my 2001 Chevrolet Silverado 2500HD and saved $116 a year. Insured with GEICO before. Just liability coverage since it’s getting old.
Krystina Mclaughlin
Lots of useful info here. I live east of Raleigh, North Carolina. Not sure of all the companies but I ended up saving about $30 each month. Moved home policy as well.
Craig Hooper
I chose to switch to 21st Century from Auto-Owners. I live in Cedar Rapids, Iowa. Moved home policy as well. They have free quotes online. It’s too old for full coverage.
Weston Porter
I found affordable 2001 Chevrolet Silverado 2500HD insurance from Allstate in Charleston, WV.
Merilyn Hart
I live west of Burlington, VT. I quoted with AIG Insurance, Nationwide, and a few others for my Silverado 2500HD and saved just over $100 a year. Insured with Eastwood before. I’m a pretty low risk driver. I just carry liability insurance.
Tameka Cameron
I’ve had GEICO for years. I’m in Allentown, PA.
Nga Gutierrez
If you have a good history and live in the vicinity of Bangor, Maine, check out GEICO. I saved quite a bit. Online quotes are the way to go.
Jennell Pierce
I went with GEICO at renewal. Best rates in Salt Lake City, UT.
Lilliam James
Not sure what I should be paying. Checking in from Provo, UT. Received prices from AAA, Farmers, and Sentry for my Silverado 2500HD and saved just over $110 a year. Liability only on my Silverado 2500HD.
Jesse Mcgee
Cheap is not always the best policy. I’m in the east part of Knoxville, TN. Quoted with Hartford, Amica, Mercury, and a couple others for my Chevrolet and saved $104 a year. Left State Farm to switch.
Rodrick Brown
What is UM/UIM coverage?