View 2008 Chevrolet Silverado 3500HD Insurance Rates

Searching for better car insurance rates? Consumers have options when looking for affordable Chevy Silverado 3500HD insurance. They can either spend hours calling around to compare prices or leverage the internet to make rate comparisons. There are both good and bad ways to buy car insurance so you’re going to learn the proper way to get price quotes for a new or used Chevy and get the lowest price either online or from local insurance agents.

You should make it a habit to check car insurance prices every six months because prices are variable and change quite frequently. Just because you had the lowest price for SilveradoHD coverage at your last renewal the chances are good that you can find a lower rate quote today. You’ll find quite a bit of inaccurate information about car insurance online but you can learn a lot of great tips on how to buy car insurance cheaper.

How to buy insurance online

Finding a lower price on 2008 Chevy Silverado 3500HD insurance is not a difficult process. Consumers just need to invest a few minutes comparing price quotes to find the company with inexpensive auto insurance quotes. This can be accomplished using a couple different methods.

1. The fastest way consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This form prevents you from having to do separate quotes to each individual insurance company. Just one form gets rate comparisons from several companies. It’s definitely the quickest method.
2. A more difficult way to shop for insurance online is to manually visit the website of each company and fill out a new quote form. For instance, let’s assume you are doing a rate comparison from Allstate, 21st Century and State Farm. To do that, you would have to spend time on each company’s site to enter your coverage information, which is not fast way to get rate quotes.

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

3. The old school way to compare price estimates is driving around to different agent offices. Comparing rate quotes online has made agencies unnecessary unless you’re the type of person who wants the trained guidance of a local agency. Some companies do allow you to compare the best prices online but have your policy serviced through an agent.

The approach you take is up to you, just make sure you compare the same coverage data for each comparison quote. If you use mixed coverages it’s impossible to determine which company has the best rates.

Get cheap rates by getting discounts

Insuring your fleet can be pricey, but you might be missing out on some discounts that may help make it more affordable. A few discounts will be applied at the time of quoting, but a few must be asked about before they will apply.

• Save with a New Car – Adding a new car to your policy may earn a small discount because newer models keep occupants safer.
• Discount for Passive Restraints – Factory air bags or motorized seat belts may get savings of 20 to 30 percent.
• Data Collection Discounts – Drivers who agree to allow their company to look at their driving habits by using a telematic data system such as State Farm’s In-Drive might see lower rates if they show good driving skills.
• Driver Safety – Passing a defensive driving course is a good idea and can lower rates and easily recoup the cost of the course.
• Renewal Discounts – Some larger companies reward drivers for switching policies prior to your current policy expiration. This discount can save up to 10%.
• Waiver for an Accident – This one is not really a discount per se, but companies like Geico and Liberty Mutual will turn a blind eye to one accident before your rates go up as long as you don’t have any claims for a specific time period.
• Multiple Policy Discount – When you combine your auto and homeowners insurance and insure them with the same company you could earn a discount of up to 20% off your total premium.
• Military Rewards – Being deployed with a military unit could qualify you for better premium rates.

Drivers should understand that most credits do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, that’s just not realistic.

Companies and some of the discounts can be found below.

• State Farm includes discounts for Drive Safe & Save, multiple autos, safe vehicle, multiple policy, defensive driving training, accident-free, and student away at school.
• Progressive may include discounts for homeowner, online signing, multi-policy, good student, continuous coverage, multi-vehicle, and online quote discount.
• Travelers may have discounts that include home ownership, early quote, payment discounts, multi-policy, and save driver.
• American Family policyholders can earn discounts including defensive driver, TimeAway discount, bundled insurance, good student, Steer into Savings, and accident-free.
• Liberty Mutual offers premium reductions for good student, new move discount, newly married, teen driver discount, newly retired, new vehicle discount, and preferred payment discount.

If you need lower rates, check with each insurance company the best way to save money. Some credits might not be offered on policies in your area. To see a list of providers with the best discounts, click here to view.

Your insurance coverage should be tailored to you

When it comes to buying coverage, there really is no one size fits all plan. Everyone’s situation is unique.

For instance, these questions might point out if your situation may require specific advice.

• Do I have newly-aquired coverage?
• Is my vehicle covered by my employer’s policy when using it for work?
• Do I need higher collision deductibles?
• Am I covered when driving in Canada or Mexico?
• Am I covered if I wreck a rental car?
• Are there companies who specialize in insuring high-risk drivers?
• What can I do if my company won’t pay a claim?
• How do I buy GAP insurance?
• When should my teen driver be added to my policy?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

Insurance coverages 101

Learning about specific coverages of a insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Collision coverages – Collision insurance covers damage to your Silverado 3500HD from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as damaging your car on a curb, backing into a parked car and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Auto liability insurance – This coverage provides protection from damage or injury you incur to other people or property by causing an accident. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things such as court costs, bail bonds and loss of income. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2008 Chevy Silverado 3500HD.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for EMT expenses, rehabilitation expenses and chiropractic care. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a bird, a tree branch falling on your vehicle and fire damage. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.