Compare 2010 Chevrolet Silverado 3500HD Car Insurance Rates

Want the cheapest car insurance rates for your Chevrolet Silverado 3500HD? Are you irritated from being strong-armed to pay high car insurance rates every month? You have the same problem as many other drivers.

Having so many different company options, it is very difficult to choose the right insurer.

Finding affordable coverage is not that difficult. If you have car insurance now, you should be able to save some money using these methods. Nevertheless, vehicle owners do need to learn the methods companies use to sell online and apply this information to your search.

Take advantage of every insurance discount

Buying insurance is not cheap, but there are discounts available that may help make it more affordable. Some of these disounts will be visible at the time of quoting, but occassionally some discounts must be requested specifically before you will receive the discount.

• Buy New and Save – Insuring a vehicle that is new can cost up to 25% less since new vehicles are generally safer.
• Safe Driver Discounts – Insureds who avoid accidents can save up to 40% or more on their insurance coverage quote for SilveradoHD insurance compared to accident prone drivers.
• No Claims – Drivers who stay claim-free can earn big discounts when compared with drivers who are more careless.
• Multi-line Discount – Some companies give lower premium rates if you buy some life insurance too.
• Defensive Driving Course – Completing a safe driver course could possibly earn you a 5% discount and make you a better driver.
• Discounts for Federal Employees – Simply working for the federal government can earn a discount up to 10% for SilveradoHD insurance with a few insurance companies.

One last thing about discounts, some of the credits will not apply to all coverage premiums. Most only cut the price of certain insurance coverages like medical payments or collision. Despite the fact that it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business. But any discount will lower your overall bill.

Insurance companies that possibly offer many of the previously listed discounts include:

• State Farm
• Farmers Insurance
• Geico
• American Family
• Nationwide
• Progressive

Before you buy a policy, ask all companies you are considering which discounts can lower your rates. Some of the discounts discussed earlier might not be offered on policies in your area. For a list of companies who offer online insurance quotes, click here.

What affects Chevy Silverado 3500HD insurance costs?

Multiple criteria are part of the equation when pricing auto insurance. Some are pretty understandable such as your driving history, although some other factors are not quite as obvious such as your marital status or how safe your car is.

• Frequent insurance coverage claims increase insurance coverage rates – Companies provide discounts to drivers who do not file claims often. If you file a lot of claims you can definitely plan on increased rates or even have your policy non-renewed. Your insurance policy is meant to be used in the event of more catestrophic claims.
• Being married equates to better premiums – Having a spouse actually saves money on your insurance coverage bill. Marriage is viewed as being more financially stable it has been statistically shown that married drivers tend to have fewer serious accidents.
• Low physical damage deductibles mean high premiums – Physical damage coverage, also known as collision and other-than-collision, covers your vehicle from damage. Some examples of claims that would be covered would be a broken side mirror, flood damage, or theft. Deductibles for physical damage define the amount you are required to spend before a claim is paid by your company. The higher the amount you’re willing to pay, the better rate you will receive for SilveradoHD insurance.
• Save money by having multiple policies – Many companies apply lower prices to policyholders that buy multiple policies in the form of a multi-policy discount. If you currently are using one company, drivers will still want to shop around to help ensure you have the lowest rates. You may still be able to save more without the discount even if you have your coverage with different companies
• Allowing your policy to lapse raises prices – Letting your insurance expire will be a quick way to bump up your insurance coverage costs. And not only will insurance be more expensive, being ticketed for driving with no insurance may result in fines or a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.

How to know if you need help

When choosing coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s needs are different so your insurance needs to address that. These are some specific questions might help in determining whether your personal situation will benefit from professional help.

• Am I covered when driving someone else’s vehicle?
• Does my liability insurance cover pulling a trailer or camper?
• Should I drop comprehensive coverage on older vehicles?
• How does medical payments coverage work?
• Is my vehicle covered by my employer’s policy when using it for work?
• Should I buy additional glass protection?
• Is a fancy paint job covered?
• What is the difference between comprehensive and collision coverage?
• Should I sign the liability waiver when renting a car?
• Can I still get insurance after a DUI?

If you can’t answer these questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area.

But they said I’d save $412 a year!

Well-known insurance companies like Progressive, Allstate and Geico seem to constantly run television, radio, and online ads. All the ads convey the message about savings if you just switch to them. It sounds good, but how can they all charge lower premium rates? Here is the trick they use.

Insurance companies provide the lowest rates for the type of insured that earns them a profit. One example of a profitable insured may be over the age of 45, has other policies, and drives a car with an anti-theft system. A propective insured that hits that “sweet spot” will probably get the lowest rates and will save a lot if they switch.

People who do not match these standards must pay a higher premium which leads to the customer not purchasing. If you pay attention, the ads say “drivers who switch” but not “all drivers who get quotes” save money. That’s why insurance companies can advertise the way they do. Because of this risk profiling, you really need to compare free insurance coverage quotes often. It’s impossible to know which insurance company will give you lower prices than your current company.

What car insurance coverages do you need?

Learning about specific coverages of car insurance aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types available from car insurance companies.

Liability

Liability insurance will cover damage that occurs to people or other property that is your fault. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as emergency aid, court costs, pain and suffering, loss of income and bail bonds. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Comprehensive coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. 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 damage from flooding, a tree branch falling on your vehicle, hitting a bird and hitting a deer. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for funeral costs, prosthetic devices, chiropractic care and EMT expenses. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like crashing into a ditch, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your Chevy Silverado 3500HD.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Final thoughts

In this article, we presented quite a bit of information on how to reduce 2010 Chevy Silverado 3500HD insurance prices online. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even find the most savings is with the smaller companies. Regional companies often have lower rates on specific markets than their larger competitors like Geico and State Farm.

Lower-priced insurance coverage is attainable both online in addition to local insurance agencies, and you should compare rates from both to have the best chance of lowering rates. Some insurance coverage companies don’t offer price quotes online and most of the time these regional carriers prefer to sell through independent agents.

Additional detailed information can be found in these articles:

• Things to Know Before you Cancel Insurance (Allstate)
• Who Has the Cheapest Auto Insurance Quotes for a Chevrolet Silverado in Fresno? (InsureFresno.com)
• Driving in Bad Weather (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)