2013 Chevrolet Silverado 1500 Insurance Quotes – 10 Savings Tips

Shoppers have many options when shopping for the lowest priced Chevy Silverado 1500 insurance. They can either spend hours contacting agents to compare prices or utilize the internet to make rate comparisons. There are more efficient ways to buy auto insurance and we’ll show you the quickest way to compare rates for a new or used Chevy and obtain the lowest price from both online companies and local agents.

It’s important to shop coverage around once or twice a year since prices trend upward over time. Even if you think you had the lowest price for Silverado insurance a few years ago the chances are good that you can find a lower rate quote today. You’ll find quite a bit of inaccurate information about auto insurance on the internet, but in this article, you’re going to get some excellent ideas to lower your auto insurance premiums.

Earn discounts on insurance coverage

Companies do not advertise every possible discount very clearly, so the following is a list of some of the best known and the harder-to-find credits that may apply to you.

• Life Insurance Discount – Some insurance companies give better premium rates if you take out life insurance from them.
• Telematics Data – Drivers who agree to allow their insurance company to study driving manner by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates as long as the data is positive.
• Senior Discount – If you qualify as a senior citizen, you may be able to get a discount up to 10% for Silverado insurance.
• Discount for New Cars – Buying a new car model may earn a small discount since new vehicles are generally safer.
• Discounts for Government Workers – Active or retired federal employment may qualify for a discount when you quote insurance for Silverado insurance with select insurance companies.
• Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% off PIP or medical payments premium.
• ABS and Traction Control Discounts – Anti-lock brake equipped vehicles are much safer to drive and the ABS can save up to 10%.
• Multiple Cars – Drivers who insure all your vehicles on one policy can get a discount on all vehicles.
• Air Bags and Passive Restraints – Factory air bags or automatic seat belts can qualify for discounts of 20 to 30 percent.
• Switch and Save Discount – A few insurance coverage companies offer discounts for switching companies before your current expiration date. You can save around 10% with this discount.

You should keep in mind that some of the credits will not apply to the entire policy premium. Most only reduce individual premiums such as comp or med pay. Despite the appearance that having all the discounts means you get insurance for free, you’re out of luck.

Some of the larger companies that may offer quotes with most of these discounts may include but are not limited to:

• American Family
• Nationwide
• MetLife
• 21st Century
• Farmers Insurance
• Allstate

Before buying, ask each company what discounts are available to you. Some credits might not be available to policyholders everywhere. To find insurance coverage companies that offer multiple discounts, click this link.

Compare free insurance quotes

All major insurance companies like State Farm, Allstate and Geico make it easy to get coverage prices on the web. Getting prices online is quite simple as you simply enter your personal and coverage information into the quote form. After you complete the form, the system automatically retrieves reports for credit and driving violations and provides a quote based on these and other factors.

Online price quotes simplifies rate comparisons, but the time it takes to visit many different websites and complete many quote forms is monotonous and tiresome. But it’s necessary to compare as many rates as possible if you are searching for a lower rate.

The quickest way to lower your rates requires only one form to obtain quotes from multiple companies. The form is fast, requires less work, and makes comparison shopping much more efficient. Immediately after you send the form, it gets priced and you can select any one of the price quotes you receive. If a lower price is quoted, you can click and sign and purchase the new policy. It takes 15 minutes at the most and you’ll know if lower rates are available.

To fill out one form to compare multiple rates now, click here to open in a new tab and submit your coverage information. To compare your current rates, we recommend you duplicate just like they are on your policy. Doing this assures you will get rate quotes based on identical coverages.

Tailor your insurance coverage to you

When buying the best insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

These are some specific questions may help you determine whether or not you might need an agent’s assistance.

• Am I covered when driving in Canada or Mexico?
• Am I covered when pulling a rental trailer?
• When should I remove comp and collision on my 2013 Chevy Silverado 1500?
• Should I buy additional glass protection?
• When should I not file a claim?
• Do I need replacement cost coverage on my 2013 Chevy Silverado 1500?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Learn about insurance coverages for a Chevy Silverado 1500

Having a good grasp of your insurance policy can help you determine appropriate coverage for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Auto liability insurance

Liability insurance will cover damage that occurs to other’s property or people by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as funeral expenses, repair bills for other people’s vehicles, bail bonds and medical services. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision protection

This coverage covers damage to your Silverado 1500 from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as crashing into a ditch, crashing into a building, backing into a parked car and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, damage from flooding, hitting a deer and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like ambulance fees, doctor visits, X-ray expenses, dental work and surgery. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

This coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Chevy Silverado 1500.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

More quotes mean more savings

As you shop your coverage around, it’s very important that you do not reduce coverage to reduce premium. Too many times, drivers have reduced uninsured motorist or liability limits and found out when filing a claim that it was a big error on their part. The proper strategy is to buy a smart amount of coverage at a price you can afford, but do not sacrifice coverage to save money.

In this article, we presented some good ideas how to shop for 2013 Chevy Silverado 1500 insurance online. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding cheaper insurance. Drivers may discover the lowest prices are with the least-expected company.

Lower-priced 2013 Chevy Silverado 1500 insurance is attainable both online in addition to local insurance agencies, so get free insurance quotes from both of them to have the best chance of lowering rates. A few companies don’t offer online price quotes and many times these smaller providers provide coverage only through independent insurance agents.

Additional detailed information can be read at these sites:

• Teen Driving and Texting (State Farm)
• Safety Belts FAQ (iihs.org)
• What is Covered by GAP Insurance? (Allstate)
• Frontal Crash Tests (iihs.org)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)