2006 Chevrolet Silverado 2500HD Insurance Rates – 8 Tricks for Best Quotes

Searching for low-cost insurance for a new or used Chevy Silverado 2500HD can turn out to be a painful process, but you can use a few tricks to find lower rates. There is a better way to shop for auto insurance so we’re going to tell you the absolute fastest way to compare rates for a new or used Chevy and locate the best price possible from local insurance agents and online providers.

You need to get comparison quotes on a regular basis because auto insurance rates change frequently. Just because you had the best rate for SilveradoHD coverage two years ago other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the proper way to buy cheaper auto insurance.

If you have insurance now or need new coverage, you can learn to cut your premiums and possibly find even better coverage. Finding affordable auto insurance coverage is easy if you know what you’re doing. Vehicle owners only need to know the best way to buy auto insurance online.

How to compare auto insurance rate quotes

Lowering your 2006 Chevy Silverado 2500HD auto insurance rates can be surprisingly simple. You just need to take a couple of minutes comparing rate quotes to find out which insurance company has cheap auto insurance quotes. Insurance prices can be quoted by following the guidelines below.

1. If you’re in a hurry, the quickest way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This quick form saves time by eliminating repetitive form entry for every auto insurance company. Completing one form gets prices estimates direct from many companies. It’s definitely the quickest method.
2. A different way to analyze rates requires a visit to each company website to request a price quote. For sake of this example, we’ll pretend you need rates from Liberty Mutual, Allstate and Geico. You would need to go to every website to enter your coverage information, which can be really labor intensive.

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

Whichever method you choose, compare apples-to-apples coverage information with every price quote. If you enter different liability limits it’s impossible to make an equal comparison.

Cheap insurance coverage rates with discounts

Insuring your fleet can be pricey, but you may be missing some discounts that could drop your premiums quite a bit. Most are applied at the time of purchase, but some must be requested specifically before you get the savings.

• Buy New and Save – Buying insurance on a new vehicle can save up to 30% since newer vehicles are generally safer.
• Multi-line Discount – Not all insurance carriers offer life insurance, but some may give you a break if you buy some life insurance in addition to your auto policy.
• Cautious Driver Discounts – Drivers who avoid accidents can save up to 40% or more on their auto insurance quote for SilveradoHD coverage compared to accident prone drivers.
• One Accident Forgiven – Not really a discount, but companies like Progressive, State Farm and Geico permit an accident before hitting you with a surcharge as long as you don’t have any claims before the accident.
• Multiple Policy Discount – If you can combine your homeowners and auto policy with the same insurance company you may save up to 20% and get you cheap auto insurance.
• Good Students Pay Less – This discount may save as much as 25% on a auto insurance quote. Many companies even apply the discount to college students well after school through age 25.
• Pay Now and Pay Less – If paying your policy premium upfront as opposed to paying monthly you could save 5% or more.
• Federal Employees – Simply working for the federal government may qualify for a discount when you quote auto insurance for SilveradoHD coverage with a few insurance coverage companies.

Don’t be surprised that most credits do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like comprehensive or collision. So even though you would think you could get a free insurance coverage policy, that’s just not realistic. Any amount of discount will definitely reduce the amount you have to pay.

Popular insurance coverage companies and a selection of discounts are included below.

• The Hartford policyholders can earn discounts including driver training, vehicle fuel type, good student, air bag, bundle, and defensive driver.
• American Family offers discounts for Steer into Savings, accident-free, TimeAway discount, bundled insurance, and defensive driver.
• Progressive includes discounts for multi-vehicle, good student, multi-policy, continuous coverage, and online quote discount.
• Travelers has discounts for home ownership, multi-policy, student away at school, save driver, and continuous insurance.
• Farmers Insurance may include discounts for business and professional, multi-car, distant student, alternative fuel, youthful driver, and homeowner.
• USAA offers discounts including vehicle storage, multi-vehicle, driver training, loyalty savings, and multi-policy.
• Liberty Mutual discounts include newly retired, multi-policy, safety features, preferred payment discount, new vehicle discount, and exclusive group savings.

If you want the cheapest auto insurance quotes, ask each company or agent how you can save money. Some discounts listed above may not apply to policyholders everywhere.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions might help in determining if your insurance needs might need professional guidance.

• Can I afford to pay high deductible claims out of pocket?
• Does coverage extend to my business vehicle?
• Am I covered when driving in Canada or Mexico?
• Do I benefit by insuring my home with the same company?
• Can I get a multi-policy discount?
• Will I be non-renewed for getting a DUI or other conviction?
• Do I need rental car coverage?
• Does medical payments coverage apply to all occupants?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can help protect your family.

Parts of your insurance policy

Having a good grasp of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Liability car insurance

Liability insurance provides protection from damage that occurs to a person or their property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as emergency aid, loss of income and court costs. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, a broken windshield, hail damage and theft. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto collision coverage

This coverage pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like sideswiping another vehicle, crashing into a ditch and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for rehabilitation expenses, chiropractic care and surgery. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your Chevy Silverado 2500HD.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.

More choices the merrier

Low-cost 2006 Chevy Silverado 2500HD insurance is definitely available from both online companies and from local insurance agents, so get free auto insurance quotes from both of them to have the best chance of lowering rates. Some auto insurance companies don’t offer online quoting and usually these regional carriers work with independent insurance agents.

People change insurance companies for any number of reasons including unfair underwriting practices, not issuing a premium refund, delays in responding to claim requests and even poor customer service. Whatever your reason, choosing a new company is not as difficult as it may seem.

As you quote auto insurance, make sure you don’t buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped full coverage only to discover later that their decision to reduce coverage ended up costing them more. Your goal is to buy the best coverage you can find at an affordable rate but still have enough coverage for asset protection.

Much more information about auto insurance is available on the following sites:

• Crash Avoidance Technologies FAQ (iihs.org)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)
• Bodily Injury Coverage (Liberty Mutual)
• Safety Tips for Teen Drivers (Insurance Information Insitute)