2011 Chevrolet Silverado 3500HD Insurance Quotes

Trying to find cheaper auto insurance rates for your Chevrolet Silverado 3500HD? If you are new to online price comparisons, there’s a good chance you are overwhelmed by the vast number of local and online companies that all promise to save you money.

It’s a good habit to do price comparisons before your next renewal since insurance prices are rarely the same from one policy term to another. Just because you had the lowest price for SilveradoHD coverage last year there may be better deals available now. Forget all the misinformation about auto insurance because we’re going to demonstrate the only way to properly buy coverages while reducing your premium.

Finding the cheapest coverage can be fairly easy. Essentially every driver who shops for insurance will most likely be able to find lower rates. Although drivers must understand how big insurance companies sell online and take advantage of how the system works.

Do you qualify for discounts?

Some companies don’t necessarily list the entire discount list very clearly, so we took the time to find both the well known as well as the least known credits available to bring down your rates.

• Own a Home and Save – Just being a homeowner can get you a discount due to the fact that maintaining a home requires a higher level of personal finance.
• New Vehicle Savings – Insuring a vehicle that is new may earn a small discount because newer models have to meet stringent safety requirements.
• Federal Employees – Federal government employees could provide a small rate reduction for SilveradoHD coverage with select insurance companies.
• Pay Early and Save – By making one initial payment as opposed to paying monthly you could save up to 5%.
• Driving Data Discount – Drivers who agree to allow their insurance company to monitor driving manner remotely like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they exhibit good driving behavior.

Don’t be shocked that most discounts do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, car insurance companies aren’t that generous.

Insurance companies that may include most of the discounts above possibly include:

• 21st Century
• State Farm
• AAA
• Liberty Mutual
• Progressive

If you need lower rates, check with each company what discounts are available to you. All car insurance discounts may not be available in your area. To see insurance companies offering car insurance discounts, click here.

Compare insurance price quotes

Most larger insurance companies allow you to get pricing directly from their websites. Getting quotes is possible for anyone as you simply type in the coverage amounts you desire on the page. Once entered, the system orders your driving and credit reports and returns a price determined by many factors.

This simplifies rate comparisons, but the work required to visit different websites and type in your information is not the best way to spend an afternoon. But it’s necessary to compare as many rates as possible in order to get better prices.

Quote rates the easy way

The quickest way to compare insurance pricing uses one form that analyzes rates from a bunch of companies at once. It saves time, requires much less work on your part, and makes rate comparisons much simpler. After sending the form, it is quoted and you can choose any one of the resulting price quotes.

If you find a better price you can simply submit the application and buy the policy. It only takes a few minutes and may save quite a bit of money.

To get comparison pricing now, click here to open in a new tab and complete the simple form. If you have your current policy handy, we recommend you type in the limits and deductibles exactly as they are listed on your policy. Doing this guarantees you will get comparison quotes for exact coverage.

Learn how to find insurance coverage more affordably

The best way to find cheaper insurance coverage is to take a look at some of the elements that play a part in calculating the rates you pay for insurance coverage. When you know what positively or negatively influences your rates, this allows you to make educated decisions that could help you find cheaper rates.

The list below includes just a few of the factors utilized by car insurance companies to help set rates.

• Occupation reflects on premiums – Careers like military personnel, executives and dentists usually pay the highest average rates attributed to high stress and long work days. On the other hand, careers like actors, students and homemakers have lower than average premiums for SilveradoHD coverage.
• The higher your credit history the lower your prices – Your credit score factor in determining your rates. Therefore, if your credit score can be improved, you could potentially save money when insuring your 2011 Chevrolet Silverado 3500HD if you improve your credit rating. People with very high credit ratings tend to be more responsible than drivers who have poor credit.
• Get married and pay lower premiums – Being married can get you a discount on insurance coverage. Having a significant other demonstrates that you tend to be more financially stable and statistics prove drivers who are married are more cautious.
• Better insurance coverage rates with anti-theft devices – Buying a car with a theft deterrent system can get you a discount on your insurance coverage. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent vehicle theft.
• Safer vehicles means better insurance coverage rates – Vehicles with good safety scores tend to have lower insurance rates. Vehicles built for safety have better occupant injury protection and fewer injuries translates into savings for insurance companies and more competitive rates for policyholders.

Don’t assume everyone needs the same auto insurance coverage

When buying adequate coverage, there really is not a “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that can aid in determining if your insurance needs would benefit from an agent’s advice.

• Should I rate my 2011 Chevy Silverado 3500HD as pleasure use or commute?
• Why is insurance for a teen driver so high?
• How much liability coverage do I need in my state?
• Is my dog or cat covered if injured in an accident?
• Are there companies who specialize in insuring high-risk drivers?
• What happens if I owe more than my 2011 Chevy Silverado 3500HD is worth?
• Am I covered if I hit my neighbor’s mailbox?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Insurance coverages explained

Having a good grasp of your policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Liability insurance – Liability coverage can cover damage that occurs to other people or property in an accident. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things such as loss of income, medical expenses and attorney fees. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for prosthetic devices, hospital visits and nursing services. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision – Collision insurance pays for damage to your Silverado 3500HD resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as sideswiping another vehicle, colliding with a tree and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Protection from uninsured/underinsured drivers – This provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Frequently these limits are set the same as your liablity limits.

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from getting keyed, falling objects and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

You can do this!

When searching for low cost car insurance quotes, make sure you don’t buy poor coverage just to save money. There are too many instances where an accident victim reduced collision coverage only to find out they didn’t purchase enough coverage. Your aim should be to find the BEST coverage at the best cost while not skimping on critical coverages.

Consumers leave their current company for many reasons like being labeled a high risk driver, high rates after DUI convictions, lack of trust in their agent or denial of a claim. Regardless of your reason for switching companies, finding a new company is actually quite simple.

Some companies do not provide price quotes online and usually these smaller companies work with independent insurance agencies. Budget-conscious 2011 Chevy Silverado 3500HD insurance is available both online and also from your neighborhood agents, so you need to compare both so you have a total pricing picture.

Additional auto insurance information is available at the links below

• Auto Theft Statistics (Insurance Information Insitute)
• Anti-Lock Brake FAQ (iihs.org)
• Collision Coverage (Liberty Mutual)
• Auto Insurance Basics (Insurance Information Insitute)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)