2004 Chevrolet Silverado 2500HD Car Insurance Cost – 10 Discounts for Cheaper Prices

Searching for better car insurance rates for your Chevrolet Silverado 2500HD? Searching for the lowest cost car insurance on the web might seem overwhelming for people who are new to comparison shopping online. With so many agents and insurance companies available, how are people able to have a chance to compare every possible option in order to find the cheapest available price?

It’s important to get comparison quotes occasionally because prices change regularly. If you had the lowest price for SilveradoHD coverage a couple years back other companies may now be cheaper. Don’t believe everything you read about car insurance online, but in this article, you’re going to get some great ideas on how to stop overpaying for insurance.

Compare free insurance coverage price quotes

There are a lot of ways you can shop for insurance coverage but there is one way that is less time-consuming than others. You can spend your afternoon talking to insurance agencies in your area, or you could save time and use online quotes to achieve your goal.

Most car insurance companies participate in an industry program where insurance shoppers enter their coverage request one time, and at least one company can provide price quotes based on the submitted data. This saves time by eliminating form submissions for each company you want a rate for.

To use this form to compare rates click here to start a free quote.

One minor caviat to pricing coverage this way is you can’t choose which companies you will receive quotes from. If you prefer to choose individual companies to receive pricing from, we have a page of the cheapest insurance coverage companies in your area. Click to view list.

The approach you take is up to you, just make sure you are using the exact same deductibles and coverage limits on every quote you get. If the quotes have different limits and deductibles on each one it will be very difficult to determine the lowest rate for your Chevy Silverado 2500HD. Just slight variations in insurance coverages or limits may cause a big price difference. And when quoting insurance coverage, remember that quoting more will improve the odds of getting better pricing.

Get affordable car insurance rates with discounts

Insurance can cost an arm and a leg, but you might find some hidden discounts that you may not even be aware of. Certain discounts will be applied when you quote, but some may not be applied and must be asked for before you get the savings.

  • Distant Student Discount – Children who are enrolled in higher education away from home and don’t have a car could get you a discount.
  • Life Insurance Discount – Some insurance carriers give a small discount if you purchase life insurance.
  • Bundle and Save – When you have multiple policies with the same company you could get a discount of nearly 15% which can help you find cheaper insurance coverage.
  • Homeowners Savings – Owning a home may trigger a policy discount on car insurance because maintaining a house means you have a higher level of financial diligence.
  • Onboard Data Collection – Insureds that choose to allow their insurance company to spy on when and where they use their vehicle remotely such as State Farm’s In-Drive may get a rate reduction as long as the data is positive.
  • Club Memberships – Participating in qualifying clubs or civic groups could earn you a nice discount on your bill.
  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle their seat belts may be able to save a few bucks off the personal injury premium cost.
  • Full Payment Discount – By paying your policy upfront rather than paying monthly you can avoid the installment charge.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts may qualify for discounts up to 30%.
  • One Accident Forgiven – but some companies like Geico and Liberty Mutual permit an accident without raising rates with the catch being you have to be claim-free for a certain period of time.

Drivers should understand that some of the credits will not apply to all coverage premiums. Most cut individual premiums such as collision or personal injury protection. So even though you would think it’s possible to get free car insurance, it doesn’t quite work that way.

A list of companies and some of their more popular discounts include:

  • Geico may have discounts that include good student, seat belt use, multi-policy, military active duty, air bags, and defensive driver.
  • Auto-Owners Insurance has savings for anti-lock brakes, anti-theft, paid in full, multi-policy, and teen driver.
  • American Family may offer discounts for defensive driver, air bags, good driver, accident-free, and bundled insurance.
  • Esurance offers discounts for safety device, homeowner, good driver, DriveSense, Switch & Save, online quote, and emergency road assistance.
  • Progressive offers premium reductions for continuous coverage, multi-vehicle, online signing, multi-policy, online quote discount, homeowner, and good student.
  • State Farm has discounts for good student, good driver, accident-free, safe vehicle, driver’s education, and anti-theft.
  • AAA policyholders can earn discounts including pay-in-full, multi-car, good student, anti-theft, multi-policy, and good driver.

Check with every company the best way to save money. Some of the earlier mentioned discounts may not be available in your area. To see providers with significant discounts, click here.

Tailor your insurance coverage coverage to you

When choosing coverage, there really is no best way to insure your cars. Every situation is different.

Here are some questions about coverages that may help you determine whether your personal situation will benefit from professional help.

  • Does car insurance cover theft of personal property?
  • Where can I get insurance after a DUI in my state?
  • How does medical payments coverage work?
  • How much liability coverage do I need in my state?
  • How do I buy GAP insurance?
  • How can I get high-risk coverage after a DUI?
  • Where can I find high-risk insurance?
  • Do I really need UM/UIM coverage?
  • When does my teenage driver need to be added to my policy?
  • Is a fancy paint job covered?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Detailed coverages of your insurance policy

Understanding the coverages of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Liability coverage – This will cover injuries or damage you cause to people or other property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as repair bills for other people’s vehicles, loss of income and medical services. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive protection – This covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hail damage, damage from a tornado or hurricane, a broken windshield, hitting a deer and hitting a bird. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your 2004 Chevy Silverado 2500HD.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverages – Collision coverage pays for damage to your Silverado 2500HD caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like scraping a guard rail, sideswiping another vehicle, damaging your car on a curb, hitting a mailbox and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for immediate expenses like pain medications, funeral costs and nursing services. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Comments About 2004 Chevrolet Silverado 2500HD Insurance

  1. Lessie Hayes

    Anyone know if Progressive does SR-22s?

  2. Ignacio Dalton

    I drive uninsured.

  3. Irina Drake

    This is too expensive. I live in a small town just outside of Overland Park, Kansas. Got car insurance quotes from GMAC, AIG Insurance, MetLife, and a couple others for my Silverado 2500HD and I’m now saving $22 a month.

  4. Candi Coffey

    Corporate greed I’m telling you. I live in Mobile, AL. I quoted with Progressive, Eastwood, and Hanover for my 2004 Chevrolet Silverado 2500HD and saved just over $110 a year. Get lots of quotes to find the best rate. When should I drop full coverage?

  5. Lizbeth Rojas

    I found pretty cheap rate quotes for a 2004 Chevrolet Silverado 2500HD in New Haven, CT. Ended up at right around $90 every six months with AIG Insurance.

  6. Mora Williamson

    I live in Jackson, Mississippi. Got free quotes online for a 2004 Chevrolet Silverado 2500HD. Ended up at about $90 savings annually. Went with Progressive.

  7. Lavonna Everett

    I live on the west side of West Valley City, UT, and Allstate rates were best. Left Nationwide to switch. Ask about discounts. My Chevrolet doesn’t have full coverage.

  8. Sherrie Lambert

    Will Allstate cancel me for an at-fault accident?

  9. Lenore Navarro

    Just my two cents. From northwest of Fayetteville, Arkansas. Quoted a bunch of companies. Saved right around $20 a month. Progressive was the most affordable for me. Even increased coverage a bit. My Chevrolet doesn’t have full coverage.

  10. Trudie Mack

    Good site, thanks. Lifelong resident of San Jose, CA. Got prices from Western Auto Insurance, AIG Insurance, GMAC, and Safeco for my Silverado 2500HD and saved just over $70 a year. Was with Mercury. Hopefully won’t need it. Online quotes are the way to go. It’s too old for full coverage.

  11. Narcisa Hopkins

    I’m in the west part of Rochester, NY. I got free prices from Liberty Mutual, AIG Insurance, Sentry, and a couple others for my 2004 Chevrolet Silverado 2500HD and I think I cut my rates about $20 each month. Have a couple speeding tickets too. I used their website to get prices. Liability only on my Silverado 2500HD.

  12. Aundrea Solis

    Cheaper car insurance is a myth. I’m in the north part of Fort Wayne, IN. I quoted with Progressive, GMAC, and Farmers for my 2004 Chevrolet Silverado 2500HD and saved just over $80 a year. Might find lower rates online.

  13. Giuseppina Walls

    I’m looking for cheaper coverage. Lifelong resident of San Diego, CA. Got quotes with Allstate, Auto-Owners, and some I forget for my Chevrolet and I think I saved around $20 each month. Not worth enough to pay for comprehensive and collision.

  14. Verlene Mays

    Liked the article. Proud to be from Great Falls, Montana. Received quotes with Nationwide, Encompass, GEICO, and American Family for my Chevrolet and I’m now saving $12 a month. Still almost need a second mortgage. I just carry liability insurance.