2007 Chevrolet Silverado 3500HD Insurance Quotes

Looking for lower insurance rates? Shoppers have options when shopping for the lowest priced Chevy Silverado 3500HD insurance. You can either spend your time calling around to get rate comparisons or leverage the internet to get rate quotes.

There are more efficient ways to compare insurance rates and we’ll show you the proper way to compare rates for a Chevy and get the lowest possible price from both online companies and local agents.

The best way we recommend to compare car insurance rates is to understand most larger insurance companies allow for online access to provide you with free rate quotes. To begin a comparison, all you need to do is provide the companies a bit of rating information including driver ages, if you lease or own, what your job is, and distance driven. The data is sent automatically to many of the top insurers and you will receive price estimates within a short period of time.

Do you qualify for discounts?

Insurance can cost an arm and a leg, but there could be significant discounts that could help you make your next renewal payment. Some trigger automatically at the time of quoting, but a few need to be asked about before they will apply.

• Accident-Free Discounts – Insureds with no claims or accidents are rewarded with significantly better rates on auto insurance quote as opposed to drivers who are more careless.
• Driver Safety – Taking time to complete a course that instructs on driving safety can save you 5% or more if you qualify.
• Student in College – Older children who attend college more than 100 miles from home and leave their car at home could get you a discount.
• Drivers Education – It’s a good idea to have your young drivers take driver’s ed class in school.
• Discount for Life Insurance – Some companies give a break if you buy life insurance.
• Paperless Signup – A handful of companies will give you a small discount for completing your application on your computer.

As a footnote on discounts, most discount credits are not given to the entire policy premium. Most only reduce individual premiums such as liability and collision coverage. Just because it seems like it’s possible to get free car insurance, companies don’t profit that way.

Large car insurance companies and some of their more popular discounts are outlined below.

• Progressive offers discounts for multi-vehicle, homeowner, online signing, multi-policy, and continuous coverage.
• SAFECO offers premium reductions for anti-lock brakes, accident prevention training, homeowner, multi-car, teen safety rewards, drive less, and teen safe driver.
• American Family may offer discounts for multi-vehicle, air bags, good student, TimeAway discount, good driver, accident-free, and early bird.
• MetLife may have discounts that include defensive driver, accident-free, good student, multi-policy, claim-free, and good driver.
• Geico discounts include good student, air bags, multi-policy, five-year accident-free, anti-lock brakes, multi-vehicle, and anti-theft.
• The Hartford has discounts for vehicle fuel type, bundle, air bag, defensive driver, anti-theft, driver training, and good student.

Before you buy a policy, ask each company how many discounts you can get. All car insurance discounts may not apply to policies everywhere.

Don’t assume everyone needs the same auto insurance coverage

When choosing the best auto insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out whether you would benefit from professional advice.

• Is business equipment covered while in my vehicle?
• Are my tools covered if they get stolen from my vehicle?
• Does coverage extend to my business vehicle?
• Should I get collision insurance on every vehicle?
• Is extra glass coverage worth it?
• Can my babysitter drive my car?
• Am I covered when pulling a rental trailer?
• Does my insurance cover my expensive audio equipment?
• Do I need special endorsements for business use of my vehicle?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can help protect your family.

Learn about insurance coverages for a Chevy Silverado 3500HD

Learning about specific coverages of a insurance policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for EMT expenses, rehabilitation expenses, pain medications, chiropractic care and ambulance fees. They are utilized in addition to your health insurance plan or if you do not have health coverage. They cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability auto insurance

Liability coverage will cover injuries or damage you cause to other people or property in an accident. It protects you against claims from other people. It does not 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 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims such as loss of income, emergency aid and pain and suffering. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Comprehensive coverage (or Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as theft, falling objects and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Chevy Silverado 3500HD.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto collision coverage

Collision coverage pays for damage to your Silverado 3500HD resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a ditch, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.