2014 Chevrolet Silverado 3500HD Insurance Rates

Having to pay for overpriced car insurance can bottom out your funds and force you to make sacrifices. Comparing rate quotes is an excellent way to reduce premiums and put more money in your pocket.

Having so many choices of insurance companies, it is hard for the average consumer to pick the right car insurance company.

You should make it a habit to take a look at other company’s rates quite often because insurance rates trend upward over time. Even if you got the best rate on SilveradoHD coverage six months ago there may be better deals available now. Forget anything you know (or think you know) about car insurance because you’re about to learn the easiest way to lower your rates without sacrificing coverage.

Finding insurance coverage

There are a lot of ways to compare insurance coverage prices but there is one way that is easier and takes less work. You can waste a few hours (or days) driving to local insurance agents in your area, or you could use online quotes to maximize your effort.

Most car insurance companies belong to an insurance system that enables customers to submit one quote, and at least one company returns a rated price determined by their information. This system prevents you from having to do quote forms for each company.

To compare pricing click here to open in new window.

One minor caviat to comparing rates this way is buyers cannot specifically choose the insurers to receive prices from. So if you want to select specific providers to request quotes from, we put together a list of low cost insurance coverage companies in your area. View list of insurance companies.

Whichever way you choose to compare rates, double check that you are using apples-to-apples coverages and limits for each price quote. If you compare different values for each quote then you won’t be able to find the best deal for your Chevy Silverado 3500HD.

Do you qualify for discount car insurance?

Companies don’t always advertise all their discounts very clearly, so we break down some of the best known as well as the least known credits available to you.

• Multiple Vehicles – Drivers who insure multiple vehicles with the same car insurance company could earn a price break for each car.
• Resident Student – Youth drivers who attend college more than 100 miles from home and leave their car at home may be insured at a cheaper rate.
• Employee of Federal Government – Federal government employees could provide a small rate reduction on SilveradoHD coverage with a few car insurance companies.
• Telematics Devices – Insureds who allow their company to analyze vehicle usage by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease as long as they are good drivers.
• Good Grades Discount – Excelling in school can earn a discount of 20% or more. You can use this discount normally well after school through age 25.
• Anti-lock Brake System – Cars with ABS braking systems or traction control can reduce accidents and therefore earn up to a 10% discount.
• Military Deployment Discount – Having an actively deployed family member can result in better car insurance rates.
• Passive Restraint Discount – Cars that have air bags can get savings of more than 20%.
• Savings for New Vehicles – Buying a new car instead of a used car can get you a discount because newer models have to meet stringent safety requirements.
• Pay Upfront and Save – By making one initial payment as opposed to paying monthly you could save 5% or more.

One thing to note about discounts is that most of the big mark downs will not be given to your bottom line cost. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like you could get a free car insurance policy, you won’t be that lucky. Any amount of discount will definitely lower your policy cost.

To see providers with the best car insurance discounts, click here.

What insurance coverages do I need?

When choosing coverage for your personal vehicles, there really is not a “best” method to buy coverage. Each situation is unique so your insurance needs to address that. For example, these questions might point out whether you would benefit from an agent’s advice.

• Am I covered when pulling a rental trailer?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• How can I find cheaper teen driver insurance?
• At what point should I drop full coverage?
• Why do I only qualify for high-risk insurance?
• Does liability extend to a camper or trailer?
• What is the ISO rating for a 2014 Chevy Silverado 3500HD?
• Is my vehicle covered by my employer’s policy when using it for work?
• Do I have coverage when using my vehicle for my home business?
• Can I drive in Mexico and have coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverage basics

Having a good grasp of auto insurance helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most auto insurance policies.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for expenses for hospital visits, funeral costs, chiropractic care and nursing services. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hail damage, falling objects, hitting a deer, damage from getting keyed and theft. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability insurance – This coverage provides protection from injuries or damage you cause to people or other property by causing an accident. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as legal defense fees, repair costs for stationary objects, repair bills for other people’s vehicles, medical services and loss of income. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Collision coverage – This coverage will pay to fix damage to your Silverado 3500HD caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as driving through your garage door, sideswiping another vehicle, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

UM/UIM Coverage – Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Silverado 3500HD.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Frequently these coverages are similar to your liability insurance amounts.