Save on 2010 Chevrolet Silverado 1500 Insurance Quotes

Searching for better car insurance rates for your Chevrolet Silverado 1500? Having to pay for high-priced car insurance can diminish your bank account and put a big crunch on your finances. Comparing rates annually can help to cut your insurance bill.

Because you have many insurance companies to choose from, it can be challenging to find the cheapest car insurance provider.

Locating cheaper protection is easy if you know what you’re doing. Essentially anyone who is required by state law to have auto insurance should be able to cut their insurance bill. But car owners need to have an understanding of the way insurance companies compete online because it can help you find the best coverage.

Compare free auto insurance price quotes

Most major insurance companies allow consumers to get prices on their websites. The process is very simple because you just enter your coverage preferences into a form. After you submit the form their system obtains your credit score and driving record and generates pricing information determined by many factors. This makes comparing rates easy, but the work required to visit a lot of sites and type in the same data is not the best way to spend an afternoon. Unfortunately, it is important to do this if you are searching for a lower rate.

The easy way to compare rates

The quickest way to compare auto insurance pricing requires only one form that obtains quotes from a bunch of companies at once. This type of form saves time, helps eliminate reptitive entry, and makes online shopping much more efficient. Once the form is submitted, it is rated and you can select any or none of the resulting price quotes.

If a lower price is quoted, it’s easy to complete the application and buy the new coverage. The entire process just takes a couple of minutes and could lower your rates considerably.

To save time and find out if lower rates are available, click here to open in new window and enter your information. If you have coverage now, it’s recommended you replicate deductibles and limits as close as possible to your current policy. Doing this assures you are getting rate comparison quotes for exact coverage.

Informed drivers can cut their insurance rates

Many things are part of the calculation when premium rates are determined. Some are pretty understandable like a motor vehicle report, but other criteria are more transparent like where you live or your commute time.

  • Do women or men drive better? – Statistics have proven that females tend to be a little less risky than males. Now that doesn’t mean women are better drivers. Both genders have fender benders in similar percentages, but males tend to have more serious accidents. Men also tend to get higher numbers of serious violations like DUI and reckless driving.
  • Careless drivers pay higher premiums – Even a single ticket can boost insurance rates by twenty percent. Attentive drivers tend to pay less for car insurance than their less careful counterparts. Drivers with multiple violations like DUI, reckless driving or excessive speeding may face state-mandated requirements to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.
  • Older drivers are lower risk – Teen drivers have been known to be easily distracted when driving with friends and because of this, their insurance coverage rates are much higher. More mature drivers are more responsible, tend to cause fewer accidents , and are generally more financially stable.
  • More policies can equal more savings – Some insurance coverage companies will award lower prices to policyholders who buy several policies from them. It’s known as a multi-policy discount. Even with this discount applied, it’s always a smart idea to get quotes from other companies to help guarantee you have the best rates.
  • Liability coverage is critical – Liability insurance will protect you when you are ruled to be at fault for an accident. Your policy’s liability insurance provides legal defense which can be incredibly expensive. This coverage is relatively inexpensive compared to physical damage coverage, so drivers should carry high limits.
  • Safer vehicles save money – Cars with five star safety ratings tend to have better insurance rates. Highly rated vehicles reduce occupant injuries and reduced instances of injuries means less money paid by your insurance company and lower rates for you. If your Chevy Silverado 1500 scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.
  • Poor credit can mean higher prices – A driver’s credit score can be an important factor in determining what you pay. Consumers who have excellent credit tend to be less risk to insure than drivers who have bad credit. Therefore, if your credit is low, you could be paying less to insure your 2010 Chevrolet Silverado 1500 if you clean up your credit.
  • Getting married reduces risk – Being married actually saves money when buying insurance coverage. It means you’re more financially stable and it’s proven that married drivers tend to have fewer serious accidents.

Discount insurance coverage quotes

Some providers do not list every policy discount in an easy-to-find place, so below is a list both well-publicized in addition to some of the lesser obvious credits available to you.

  • Theft Deterent System – Cars with anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
  • Bundled Policy Discount – If you can bundle your home and auto insurance with the same insurance company they may give you a discount of as much as 10 to 15 percent.
  • Anti-lock Brake System – Cars that have anti-lock braking systems have fewer accidents and will save you 10% or more.
  • Discount for Swiching Early – A few insurance companies allow discounts for buying a new policy prior to your current policy expiring. This can save 10% or more.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.
  • Telematics Data Discounts – Insureds who allow driving data submission to study driving manner through the use of a telematics system like Allstate’s Drivewise might see lower rates if they have good driving habits.
  • Save with More Vehicles Insured – Buying a policy with primary and secondary vehicles with one company can get a discount on all vehicles.
  • Waiver for an Accident – but a handful of insurance companies may permit one accident before your rates go up if you are claim-free for a specific time period.
  • Homeowners Discount – Just owning your own home can help you save on insurance coverage because of the fact that having a home shows financial diligence.
  • Club Memberships – Being a member of a civic or occupational organization is a good way to get lower rates on your next insurance coverage statement.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. Most only cut individual premiums such as liability, collision or medical payments. So despite the fact that it appears it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

To see insurance coverage companies that provide some of the discounts listed above, click here.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. For example, these questions may help you determine if your insurance needs will benefit from professional help.

  • Where can I find DUI or SR-22 insurance?
  • Am I covered if hit by an uninsured driver?
  • Do I pay less for low miles?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is my custom paint covered by insurance?
  • Should I have a commercial auto policy?
  • Does coverage extend to Mexico or Canada?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Specific coverages for a 2010 Chevy Silverado 1500

Learning about specific coverages of car insurance aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types found on most car insurance policies.

Collision protection

Collision coverage covers damage to your Silverado 1500 from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with a tree, crashing into a ditch, rolling your car, crashing into a building and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these limits do not exceed the liability coverage limits.

Comprehensive car insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, theft and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability insurance

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

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like medical expenses, court costs, repair costs for stationary objects, attorney fees and structural damage. How much coverage you buy is up to you, but buy higher limits if possible.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for hospital visits, EMT expenses and ambulance fees. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Quote often and quote early

We just presented many ideas to reduce 2010 Chevy Silverado 1500 insurance prices online. It’s most important to understand that the more you quote insurance coverage, the better your comparison will be. You may be surprised to find that the most savings is with some of the smallest insurance companies. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm, Geico and Nationwide.

Low-cost 2010 Chevy Silverado 1500 insurance can be bought online and with local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance coverage companies may not provide rate quotes online and many times these regional insurance providers work with independent agents.

More tips and info about insurance coverage can be found by following these links:

Comments About 2010 Chevrolet Silverado 1500 Insurance

  1. Raeann Griffin

    I’m in Juneau, AK. Got quotes from Progressive, American Family, Encompass, and The General for my Chevrolet and I think I saved around $40 each month. Insured with AIG Insurance before. Hopefully won’t need it.

  2. Bettyann Hudson

    I live just to the east of Charleston, South Carolina. Quoted quotes from Sentry, Encompass, 21st Century, and American Family for my Silverado 1500 and I’m now saving $56 a month. Got better coverage too.

  3. Marylyn Macias

    Does Progressive use ACV or replacement cost?

  4. Tayna Phelps

    If you’re a decent driver and live near Columbia, SC, check out GEICO. You might save some money. Left The General to switch. :)

  5. Maegan Montgomery

    I live just outside Newark, Delaware. Quoted with GEICO, Eastwood, and GMAC for my Chevrolet and saved just over $460 a year. I recommend comparing lots of rates.

  6. Edmund Mccarthy

    Need cheaper insurance rates for my teenage driver in Fargo, ND!!

  7. Kecia Griffin

    I’m in the north part of Sioux Falls, SD. Received rates from AAA, Erie, and Safeco for my Chevrolet and saved just over $450 a year.

  8. Kaley English

    Good site, thanks. Live in the western part of Paterson, New Jersey. Not sure of all the companies but I ended up saving about $20 each month. Left GEICO to switch. Switched homeowners coverage too.

  9. Domitila Sargent

    Lots of good stuff here. Located in Eugene, Oregon. Quoted rates from USAA, AAA, GMAC, and Mercury for my Chevrolet and saved about $120 a year. Have an at-fault accident tho. It’s still not cheap enough.

  10. Melodee Carney

    I switched to Allstate. Quoted good rates in Miami, Florida. It’s easy to compare rates online now.

  11. Warren Clemons

    IT’S ALL TOO EXPENSIVE! Located in Nashville, Tennessee. I quoted with Progressive, Esurance, and Hanover for my 2010 Chevrolet Silverado 1500 and I’m now saving $19 a month. It never hurts to quote around.

  12. Ada Blake

    Does Allstate insure at replacement cost?

  13. Fran Mcdonald

    Can I get replacement cost coverage for a 2010 Chevrolet Silverado 1500?

  14. Kira Wynn

    All companies are crooks. Checking in from Charleston, SC. Compared quite a few companies. Saved right around $60 a month. Allstate was the best choice for me. Left Liberty Mutual to switch. I get lower rates because of my clean driving record. Not sure if rates are cheaper online or not.