2007 Chevrolet Silverado 3500 Classic Car Insurance Quotes – 6 Tips for Best Rates

Looking for the cheapest insurance rates for your Chevrolet Silverado 3500 Classic? Are you burned out from sacrificing to pay your insurance bill each month? You’re in the same situation as millions of other consumers. Many insurance companies vie for your insurance dollar, and because of this it can be hard to compare auto insurance companies to get the cheapest price

Consumers should take time to compare premium rates periodically due to the fact that insurance rates trend upward over time. Even if you got the best deal for Silverado Classic coverage a few years ago you may be paying too much now. There is a lot of bad advice regarding insurance on the web, but in this article, you’re going to get some of the best techniques to save money.

If you have a policy now or are shopping for new coverage, you can use this information to shop for the lowest rates while maintaining coverages. Choosing the best insurance company for you is quite easy. Drivers only need an understanding of the most efficient way to compare rates over the internet.

Six discounts to earn lower-cost car insurance rates

Companies that sell car insurance don’t necessarily list all possible discounts in a way that’s easy to find, so here is a list a few of the more common and the more hidden credits available to bring down your rates.

• Good Drivers – Drivers who don’t get into accidents may receive a discount up to 45% for Silverado Classic coverage compared to rates paid by drivers with frequent claims.
• Theft Deterent Discount – Anti-theft and alarm system equipped vehicles help deter theft and qualify for as much as a 10% discount.
• Distant College Student Discount – College-age children who attend college more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
• Homeowners Savings – Just owning your own home can save you money since home ownership means you have a higher level of financial diligence.
• Anti-lock Brakes – Anti-lock brake equipped vehicles are much safer to drive and qualify for as much as a 10% discount.
• Payment Method – By paying your entire bill at once instead of paying each month you may reduce your total bill.

Consumers should know that many deductions do not apply the the whole policy. Some only apply to specific coverage prices like comprehensive or collision. So when the math indicates you can get free auto insurance, it’s just not the way it works.

A few of the larger companies and some of their more popular discounts are shown below.

• Geico includes discounts for anti-theft, membership and employees, anti-lock brakes, multi-vehicle, multi-policy, and military active duty.
• Travelers may have discounts that include good student, driver training, hybrid/electric vehicle, new car, continuous insurance, student away at school, and payment discounts.
• Nationwide has savings for anti-theft, multi-policy, easy pay, Farm Bureau membership, and business or organization.
• Farmers Insurance may include discounts for electronic funds transfer, distant student, mature driver, early shopping, and youthful driver.
• Esurance offers discounts including Pac-12 alumni, online quote, online shopper, safety device, renters, claim free, and anti-lock brakes.
• State Farm offers premium reductions for student away at school, anti-theft, good driver, accident-free, multiple autos, Steer Clear safe driver discount, and good student.
• Progressive policyholders can earn discounts including good student, online quote discount, multi-policy, multi-vehicle, continuous coverage, and homeowner.
• Mercury Insurance offers discounts for age of vehicle, annual mileage, accident-free, low natural disaster claims, and professional/association.

When getting free auto insurance quotes, it’s a good idea to each insurance company which discounts they offer. Savings may not apply to policyholders in your area. To see a list of insurance companies with discount car insurance rates, click here.

How to buy insurance coverage online

Finding a lower price on 2007 Chevy Silverado 3500 Classic insurance is actually quite simple. You just need to spend a few minutes to get quotes to see which company has the cheapest auto insurance quotes. It is quite easy and can be accomplished in several different ways.

One of the simplest ways to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This type of form keeps you from doing repetitive form entry for every company. One form submission gets rate comparisons from multiple companies.

A more difficult way to get quotes online consists of visiting each company website to complete their respective quote request forms. For instance, we’ll assume you want to compare prices for Nationwide, Farmers and Geico. You would have to navigate to each company’s site and repeatedly type in your coverage information, which is why most consumers use the first method.

To view a list of companies in your area, click here.

If you have time to kill, the last way of comparing rate quotes is calling or driving to all the different insurance agencies. Shopping for insurance coverage online reduces the need to sit down with an agent unless you prefer the professional guidance of an agent trained in personal lines coverage. It is possible with some companies obtain prices from the web but have a local agent actually write the policy.

Take whichever approach you prefer, but be sure you’re using apples-to-apples coverage limits on every price quote you get. If you enter different deductibles it will be next to impossible to get a fair rate comparison.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there is no cookie cutter policy. Each situation is unique so your insurance should reflect that These are some specific questions might help in determining whether you would benefit from an agent’s advice.

• What discounts do I qualify for?
• Does my liability insurance cover pulling a trailer or camper?
• Is my Chevy Silverado 3500 Classic covered if I use it for business?
• Do I have coverage when making deliveries for my home business?
• Will my rates increase for filing one claim?
• Should I rate my 2007 Chevy Silverado 3500 Classic as pleasure use or commute?
• Do I need rental car coverage?
• Are my friends covered when driving my car?
• How much liability insurance is required?

If you can’t answer these questions, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverages for a Chevy Silverado 3500 Classic

Having a good grasp of a insurance policy can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages offered by insurance companies.

Liability

This coverage will cover damage or injury you incur to other’s property or people by causing an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like repair costs for stationary objects, legal defense fees, pain and suffering, court costs and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Comprehensive insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like theft, damage from flooding, vandalism, hitting a deer and hail damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your Chevy Silverado 3500 Classic.

Since a lot of drivers 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 very important.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like X-ray expenses, prosthetic devices, ambulance fees, nursing services and funeral costs. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Collision coverage protection

This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sustaining damage from a pot hole, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Buy Smart and Save

We’ve covered some good ideas how you can save on 2007 Chevy Silverado 3500 Classic insurance. It’s most important to understand that the more companies you get prices for, the better your comparison will be. You may even find the lowest premium rates are with a company that doesn’t do a lot of advertising. They can often insure niche markets at a lower cost compared to the large companies like State Farm, Geico and Nationwide.

When getting auto insurance quotes online, don’t be tempted to reduce needed coverages to save money. There are many occasions where consumers will sacrifice physical damage coverage and discovered at claim time they didn’t purchase enough coverage. Your goal should be to get the best coverage possible at the best price, but do not skimp to save money.

Cheaper 2007 Chevy Silverado 3500 Classic insurance is available online as well as from insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance providers may not offer internet price quotes and many times these regional carriers work with independent agencies.

To read more, feel free to browse the articles below:

• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Rollover Crash FAQ (iihs.org)
• Safe Vehicles for Teens (iihs.org)
• Property Damage Coverage (Liberty Mutual)