How Much Does 2009 Chevrolet Silverado 3500HD Insurance Cost?

Searching for cheaper auto insurance rates for your Chevrolet Silverado 3500HD? If you are new to online price comparisons, chances are good that you are overwhelmed by the sheer number of online auto insurance companies and websites selling insurance.

Consumers need to do rate comparisons at least once a year because prices change regularly. Just because you found the best quotes on SilveradoHD coverage a couple years back there may be better deals available now. Forget anything you know (or think you know) about auto insurance because you’re going to learn the right way to properly buy coverages and cut your premium.

The quickest method to compare policy rates utilizes the fact almost all companies provide online access to provide you with free rate quotes. To get started, all you need to do is spend a couple of minutes providing details including if the vehicle is leased, if it has an anti-theft system, how your vehicles are used, and your education level. Your insurance information is then submitted to multiple top-rated companies and they return rate quotes instantly.

To start a rate quote now, click here and complete the form.

Use discounts to get cheaper insurance quotes

Properly insuring your vehicles can get expensive, but you might be missing out on some discounts that many consumers don’t even know exist. Some trigger automatically when you quote, but some need to be requested specifically prior to getting the savings.

• Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
• Student Driver Training – Teen drivers should successfully complete driver’s ed class as it can save substantially.
• No Claim Discounts – Claim-free drivers have much lower rates compared to insureds who have frequent claims or accidents.
• Federal Employees – Being employed by or retired from a federal job may qualify for a discount when you quote auto insurance on SilveradoHD coverage but check with your company.
• Data Collection Discounts – Insureds who allow their company to monitor when and where they use their vehicle remotely like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction as long as the data is positive.
• Bundled Policy Discount – When you have multiple policies and insure them both with the same insurance company you could get a discount of 10% to 20% off each policy.
• Paperwork-free – A handful of larger companies will provide an incentive for signing up online.
• Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to wear their seat belts can save 10% or more off the medical payments premium.
• Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can receive discounts as much as 30%.
• Renewal Discounts – A few insurance companies give discounts for renewing your policy prior to your current policy expiring. This can save 10% or more.

It’s important to understand that some credits don’t apply to the entire cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. Even though the math looks like all those discounts means the company will pay you, companies wouldn’t make money that way. Any amount of discount will help reduce the cost of your policy.

A few popular companies and some of their more popular discounts can be read below.

• State Farm policyholders can earn discounts including accident-free, good driver, good student, anti-theft, and student away at school.
• Geico offers discounts for multi-policy, anti-theft, federal employee, military active duty, emergency military deployment, multi-vehicle, and five-year accident-free.
• Progressive may offer discounts for online quote discount, multi-policy, continuous coverage, online signing, and homeowner.
• 21st Century offers discounts including teen driver, defensive driver, good student, homeowners, anti-lock brakes, student driver, and theft prevention.
• American Family may include discounts for defensive driver, Steer into Savings, air bags, early bird, and multi-vehicle.
• The Hartford discounts include anti-theft, defensive driver, driver training, bundle, air bag, good student, and vehicle fuel type.
• AAA has discounts for education and occupation, good student, good driver, anti-theft, pay-in-full, and multi-policy.

If you want inexpensive auto insurance quotes, ask every company how you can save money. Some credits may not be available in every state. If you would like to choose from a list of insurers that offer multiple discounts, follow this link.

Insurance rates are influenced by these factors

Many factors are used when you quote your car insurance policy. Most are fairly basic such as traffic violations, although others are less apparent like where you live or how safe your car is.

• Choose high crash test ratings and save – Safe vehicles are cheaper to insure. These vehicles protect occupants better and lower injury rates translates directly to fewer claims and more competitive rates for policyholders. If your Chevy Silverado 3500HD scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
• Never let your policy lapse – Driving your car without having proper coverage can get you a ticket and your next policy will cost more because you let your coverage cancel without a new policy in place. And not only will insurance be more expensive, getting caught without coverage will get you a license revocation or jail time. You may then have to file a SR-22 with your state DMV.
• Theft deterrents save – Choosing to buy a car with advanced anti-theft systems can help lower your rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop car theft.
• Does your job cost you more? – Did you know your car insurance rates can be affected by your occupation? Occupations such as real estate brokers, executives and miners tend to have the highest average rates because of intense work situations and lots of time spent at work. Conversely, occupations such as professors, students and performers have lower than average premiums on SilveradoHD coverage.
• Liability coverage limits should be high – The liability section of your policy will provide protection in the event that a jury decides you are liable for personal injury or accident damage. Liability provides you with a defense in court to defend your case. Liability insurance is pretty cheap compared to physical damage coverage, so drivers should carry high limits.
• Keep car insurance rates low by being claim-free – Insurance companies award better rates to insureds who do not file claims often. If you file a lot of claims you can expect either higher rates or even cancellation. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
• Costs increase with policy add-ons – Policies have extra add-on coverages that sound like a good idea at the time if you aren’t diligent. Insurance for roadside assistance, high-cost glass coverage, and additional equipment coverage could be just wasting money. You may think they are a good idea initially, but now you might not need them so remove them and pocket the money.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage, there really is no perfect coverage plan. Everyone’s situation is unique.

For instance, these questions may help you determine whether or not you could use an agent’s help.

• Does my personal policy cover me when driving out-of-state?
• Does my medical payments coverage pay my health insurance deductible?
• Do I get a pro-rated refund if I cancel my policy early?
• Does insurance cover tools stolen from my truck?
• Can my babysitter drive my car?
• Should I drop comprehensive coverage on older vehicles?
• Does my 2009 Chevy Silverado 3500HD qualify for pleasure use?
• Do I need higher collision deductibles?
• Is other people’s property covered if stolen from my vehicle?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Do drivers who switch really save $456 a year?

Companies like 21st Century, Allstate and State Farm regularly use ads in print and on television. All the ads seem to make the promise about savings after switching to them. Is it even possible that every company can offer drivers better rates? It’s all in the words they use.

Many companies have specific criteria for the type of driver that will add to their bottom line. For instance, a profitable customer may need to be a married female, has no driving citations, and drives less than 5,000 miles a year. Any person who matches that profile will get low premium rates and as a result will probably save a lot of money.

Drivers who fall outside this ideal profile may be required to pay more expensive rates and business going elsewhere. If you listen closely, the ads state “people who switch” not “everybody who quotes” can get the lowest rates when switching. That’s why companies can state the savings.

This really illustrates why you really should do a rate comparison at every renewal. It is just not possible to predict which company will give you lower prices than your current company.

Insurance coverage specifics

Knowing the specifics of your policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Collision insurance

Collision insurance covers damage to your Silverado 3500HD caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as rolling your car, backing into a parked car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Medical costs insurance

Med pay and PIP coverage reimburse you for expenses for doctor visits, ambulance fees, EMT expenses, surgery and nursing services. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover you and your occupants as well as being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

UM/UIM Coverage

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your 2009 Chevy Silverado 3500HD.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Auto liability insurance

Liability insurance can cover damages or injuries you inflict on a person or their property in an accident. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims like loss of income, medical expenses, medical services, emergency aid and repair costs for stationary objects. How much coverage you buy is your choice, but buy as much as you can afford.

Comprehensive or Other Than Collision

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 pays for claims like theft, hitting a deer, damage from flooding and falling objects. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Spend less. Save more.

When searching for cheaper auto insurance quotes, it’s a bad idea to sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find at the best price, but do not sacrifice coverage to save money.

Throughout this article, we presented many tips how you can reduce 2009 Chevy Silverado 3500HD insurance prices online. The most important thing to understand is the more providers you compare, the better likelihood of getting cheap auto insurance. You may be surprised to find that the lowest prices come from an unexpected company.

Drivers change insurance companies for a number of reasons such as being labeled a high risk driver, unfair underwriting practices, delays in responding to claim requests or questionable increases in premium. No matter why you want to switch, switching car insurance companies is pretty simple and you could end up saving a buck or two.

For more information, link through to these articles:

• Cellphones, Texting and Driving (iihs.org)
• Who Has Cheap Sacramento Car Insurance for a Chevrolet Silverado? (InsureSacramento.com)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Distracted Driving Extends Beyond Texting (State Farm)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Information for Teen Drivers (Geico)
• Insuring a Leased Car (Insurance Information Insitute)