View 2005 Chevrolet Silverado 1500 Car Insurance Quotes

Want the cheapest insurance rates for your Chevrolet Silverado 1500? Have you finally had enough of sacrificing other expenses to make your insurance payment? You are no different than many other consumers.

With so many companies and agents to choose from, it can be diffult for drivers to choose a more affordable company.

Auto insurance rates and discounts

Some insurers do not advertise every policy discount in a way that’s easy to find, so the list below details a few of the more common as well as the least known ways to save on auto insurance.

• Fewer Miles Equal More Savings – Driving fewer miles may allow you to get slightly better auto insurancerates than normal.
• Driver’s Education for Students – It’s a good idea to have your young drivers take driver’s ed class in high school.
• Discounts for Multiple Vehicles – Insuring multiple cars or trucks on a single policy can get a discount for every vehicle.
• Defensive Driver Discount – Taking part in a driver safety course may get you a small discount and easily recoup the cost of the course.
• Employee of Federal Government – Simply working for the federal government may reduce rates when you quote car insurance on Silverado coverage with select insurance companies.
• Homeowners Discount – Owning a home may earn you a small savings because it is proof that your finances are in order.
• Discount for New Cars – Adding a new car to your policy can cost up to 25% less because new model year vehicles have to meet stringent safety requirements.
• Anti-lock Brake System – Cars that have steering control and anti-lock brakes have fewer accidents and the ABS can save up to 10%.
• Passive Restraints – Factory options such as air bags or motorized seat belts may earn rate discounts up to 30%.

Discounts save money, but please remember that most credits do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, nobody gets a free ride.

A list of companies and some of their more popular discounts are included below.

• State Farm policyholders can earn discounts including multiple policy, student away at school, passive restraint, safe vehicle, anti-theft, Drive Safe & Save, and multiple autos.
• American Family may have discounts that include good driver, good student, mySafetyValet, defensive driver, multi-vehicle, and bundled insurance.
• Geico offers discounts for multi-policy, five-year accident-free, multi-vehicle, anti-lock brakes, and defensive driver.
• 21st Century offers premium reductions for theft prevention, defensive driver, anti-lock brakes, early bird, homeowners, air bags, and driver training.
• Progressive discounts include homeowner, multi-vehicle, online quote discount, continuous coverage, and good student.

Double check with all companies you are considering what discounts are available to you. Some discounts might not be offered in your area. To choose companies that can offer you the previously mentioned discounts, click here to view.

Lower the price of car insurance with these tips

Lots of factors are used in the calculation when pricing auto insurance. Some of the criteria are obvious like a motor vehicle report, but other factors are not as apparent like your continuous coverage or how safe your car is.

• Lower stress equals lower premiums – Did you know your career choice can influence rates? Careers such as fire fighterspolice officers and financial analysts usually pay higher rates than the rest of us in part from intense work-related stress and long work days. Other professions such as farmers, historians and performers generally pay rates lower than average on Silverado coverage.
• Be proud to be claim-free – If you are the type of insured that files lots of claims you can look forward to higher premiums or even policy non-renewal. Insurance companies provide discounts to insureds who file claims infrequently. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
• You might have higher prices if you are single – Walking down the aisle can actually save you money on your policy. Having a spouse generally demonstrates drivers are more mature and responsible and statistics show married couples file fewer claims.
• How your age affects prices – Older, more experienced drivers are more cautious drivers, are lower risk to insure and get fewer tickets.Beginning drivers are proven to get distracted easily when driving therefore car insurance rates are much higher.
• Don’t cut corners with liability – Your car insurance policy’s liability coverage is the protection if you are ruled to be at fault for causing personal injury or damage in an accident. Liability insurance provides legal defense up to the limits shown on your policy. Liability insurance is pretty cheap as compared to coverage for physical damage, so drivers should carry high limits.
• Theft deterrents systems cut rates – Owning a car that has an advanced theft prevention system can help lower your premiums. Anti-theft features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent your car from being stolen.

Situations that may require an agent’s advice

When it comes to buying the right insurance coverage, there really is no one size fits all plan. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that may help highlight whether your personal situation would benefit from professional advice.

• Do I need medical payments coverage since I have good health insurance?
• What is the difference between comprehensive and collision coverage?
• Do I need to file an SR-22 for a DUI in my state?
• Does my medical payments coverage pay my health insurance deductible?
• How much liability insurance is required?
• Is motorclub coverage worth it?
• Is a fancy paint job covered?
• Does coverage extend to a rental car in a foreign country?
• Is borrowed equipment or tools covered if stolen or damaged?
• Is upholstery damage covered by car insurance?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

The largest companies are not always cheapest

Big name companies like Progressive, Geico, Allstate and State Farm consistently run ads on television and other media. All the ads have a common claim that drivers will save a bundle just by moving your auto insurance coverage to their company. How does every company charge less that you’re paying now? You have to listen carefully.

Companies have strict underwriting profiles for the type of driver that earns them a profit. For example, a desirable risk could be over the age of 45, carries high limits, and insures a new vehicle. Anybody that matches those criteria will probably get the lowest rates and is almost guaranteed to save quite a bit of money when switching.

Insureds who don’t measure up to these standards may receive higher premiums which translates to business going elsewhere. If you pay attention, the ads say “people who switch” not “everyone who quotes” will save that much if they switch. That’s the way companies can state the savings. That is why it’s extremely important to compare rate quotes every year. Because you never know with any certainty which company will have the best prices at this point in time.

Auto insurance 101

Understanding the coverages of your policy aids in choosing the best coverages and proper limits and deductibles. Car insurance terms can be confusing and nobody wants to actually read their policy. Shown next are the usual coverages available from car insurance companies.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like ambulance fees, chiropractic care and dental work. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Liability coverage – Liability coverage will cover damage that occurs to a person or their property. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as court costs, emergency aid, bail bonds and medical expenses. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like fire damage, damage from flooding, vandalism and damage from a tornado or hurricane. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Protection from uninsured/underinsured drivers – This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your Chevy Silverado 1500.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Collision – This covers damage to your Silverado 1500 resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like rolling your car, crashing into a ditch, driving through your garage door, colliding with a tree and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Better coverage you can count on

As you prepare to switch companies, you should never skimp on coverage in order to save money. There are too many instances where an insured cut liability coverage limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy a smart amount of coverage at the best price, but do not sacrifice coverage to save money.

You just read a lot of information how to shop for 2005 Chevy Silverado 1500 insurance online. The key concept to understand is the more you quote car insurance, the higher your chance of finding cheaper car insurance. You may even find the biggest savings come from the least-expected company. These companies often have lower premium rates on specific markets as compared to the big name companies such as State Farm or Progressive.

Additional auto insurance information can be found on the following sites:

• Rental Car Insurance Tips (Insurance Information Insitute)
• How Much is Jersey City Auto Insurance for a Chevrolet Silverado? (InsuranceJerseyCity.com)
• What Car Insurance is Cheapest for a Chevrolet Silverado in Anchorage? (AnchorageAutoGuard.com)
• Auto Crash Statistics (Insurance Information Insitute)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)