2013 Chevrolet Silverado 2500HD Insurance Rates – 9 Discounts for Cheaper Quotes

There isn’t a single person who loves paying for auto insurance, especially when they could get a better deal. People have so many car insurance companies to insure vehicles with, and even though it’s nice to have a selection, more choices can make it harder to find the best rates.

You should make it a habit to take a look at other company’s rates periodically because prices are variable and change quite frequently. Just because you had the lowest price for SilveradoHD coverage last year the chances are good that you can find a lower rate today. There is too much inaccurate information about auto insurance out there, but in a few minutes you can learn some tested techniques to find cheap auto insurance.

Compare free insurance coverage price quotes

Comparing insurance coverage rates can be exhausting if you don’t understand the best way to get rate quotes. You could spend your day talking to local insurance agents in your area, or you can utilize the web to get rates in a matter of minutes.

Many companies enroll in a system where insurance shoppers only type in their quote data once, and every company can provide price quotes based on the submitted data. This eliminates the need for form submissions to each individual insurance coverage company.

To compare pricing click here to start a free quote.

One minor caviat to doing it this way is you cannot specify the companies you want to price. If you wish to select specific insurance companies to compare, we put together a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just make absolute certain that you use equivalent deductibles and coverage limits on every quote you get. If each company quotes differing limits it will be very difficult to determine the lowest rate for your Chevy Silverado 2500HD.

Auto insurance companies are expert advertisers

Consumers constantly see and hear ads that claim the cheapest premium rates from the likes of State Farm and Allstate. They all seem to advertise claims that drivers can save some big amount if you switch your coverage to them.

That’s great but how can every company say the same thing? It’s all in how they say it.

Many companies have a certain “appetite” for a prospective insured that is profitable for them. For instance, a profitable risk profile may need to be between the ages of 30 and 45, owns their home, and drives newer vehicles. Someone that hits that “sweet spot” is entitled to the best price and most likely will save if they switch.

Consumers who don’t meet these standards may receive a higher premium with the end result being business going elsewhere. If you listen to the ad wording, they say “drivers that switch” but not “all drivers who get quotes” save that much when switching. That’s why companies can make claims like that.

Because each company has a different risk profile, drivers must do a quote comparison often. It is just not possible to predict with any certainty which company will give you the biggest savings.

Verify you’re applying every discount

Car insurance is not cheap, but you might already qualify for some discounts that can drop the cost substantially. Most are applied at the time of quoting, but some must be asked for before being credited. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

• Student Driver Training – Reduce the cost of insurance for teen drivers by having them complete a driver education course in school or through a local driver safety program.
• Accident Forgiveness – Not necessarily a discount, but companies like Progressive, Allstate, and Liberty Mutual will allow you to have one accident before hitting you with a surcharge so long as you are claim-free for a particular time prior to the accident.
• Theft Deterent System – Cars equipped with tracking devices and advanced anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
• Student Discounts – Being a good student could provide a savings of up to 20% or more. This discount can apply until age 25.
• Discounts for Good Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for SilveradoHD coverage compared to accident prone drivers.
• Multi-car Discount – Purchasing coverage when you have multiple cars or trucks with the same insurance company can reduce the rates for all insured vehicles.
• Multi-policy Discount – If you combine your homeowners and auto policies and place coverage with the same company you may save at least 10% off all policies.
• Employee of Federal Government – Employees or retirees of the government could provide a small rate reduction for SilveradoHD coverage with certain companies.
• Pay Upfront and Save – By making one initial payment rather than paying monthly you can avoid the installment charge.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. Some only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, you aren’t that lucky. Any qualifying discounts will help lower your policy premiums.

A list of insurance companies and the discounts they provide are detailed below.

• Farmers Insurance has discounts for bundle discounts, good student, mature driver, distant student, pay in full, youthful driver, and multi-car.
• State Farm may offer discounts for safe vehicle, accident-free, multiple autos, student away at school, and multiple policy.
• Liberty Mutual may include discounts for exclusive group savings, good student, new graduate, new move discount, teen driver discount, hybrid vehicle, and preferred payment discount.
• MetLife may have discounts that include accident-free, good driver, multi-policy, claim-free, and defensive driver.
• Progressive offers premium reductions for homeowner, good student, continuous coverage, online signing, multi-policy, online quote discount, and multi-vehicle.

Double check with every insurance company which discounts you qualify for. A few discounts might not be available to policyholders in your state. For a list of providers who offer discounts, click here.

When should I discuss my situation with an agent?

When choosing the right insurance coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that can aid in determining whether your personal situation would benefit from professional advice.

• At what point should I drop full coverage?
• Am I covered if my car is in a flood?
• What if I owe more than I can insure my car for?
• Do all my vehicles need collision coverage?
• When does my teenage driver need to be added to my policy?
• Do I pay less for low miles?
• Do I benefit by insuring my home with the same company?

If you can’t answer these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance policy specifics

Having a good grasp of your auto insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on the average auto insurance policy.

Comprehensive or 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 the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hail damage, falling objects and a tree branch falling on your vehicle. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like X-ray expenses, prosthetic devices, ambulance fees, hospital visits and surgery. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverages – This will pay to fix damage to your Silverado 2500HD caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as rolling your car, driving through your garage door and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

UM/UIM Coverage – This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your 2013 Chevy Silverado 2500HD.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages are identical to your policy’s liability coverage.

Coverage for liability – Liability insurance can cover injuries or damage you cause to other people or property in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as medical services, medical expenses, loss of income, emergency aid and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Buy Smart and Save

Some insurance providers do not provide online price quotes and many times these smaller providers prefer to sell through independent insurance agencies. Discount 2013 Chevy Silverado 2500HD insurance is possible on the web in addition to local insurance agencies, and you should compare price quotes from both in order to have the best chance of saving money.

In this article, we presented a lot of tips how to compare 2013 Chevy Silverado 2500HD insurance car insurance rates online. It’s most important to understand that the more quotes you get, the better your comparison will be. You may be surprised to find that the best price on auto insurance is with a company that doesn’t do a lot of advertising. These smaller insurers often have lower premium rates on specific markets as compared to the big name companies such as Allstate and Progressive.

More information can be found at these links:

• All About Airbag Safety (State Farm)
• Car Insurance: When not to Skimp (BankRate.com)
• Teen Driver Statistics (Insurance Information Insitute)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Understanding Limits and Deductibles (Allstate)