2015 Chevrolet Silverado 2500HD Car Insurance Quotes – 10 Ideas for Best Rates

Did you come to the realization that you have overpriced car insurance? Believe me when I say there are many consumers feeling the pinch from expensive car insurance. Big-name insurance companies like Allstate and Progressive continually bombard you with fancy advertisements and consumers find it hard to ignore the promise of big savings and take the time to shop coverage around.

You need to compare premium rates once or twice a year because car insurance prices are constantly changing. Just because you found the lowest rates on SilveradoHD coverage a few years ago you can probably find a lower rate today. Block out anything you think you know about car insurance because we’re going to show you how to quote online to save money, get proper coverage and the best rates.

If you have a current auto insurance policy or are just looking to switch companies, you can use these techniques to get lower rates while maintaining coverages. Buying car insurance is quite easy. Vehicle owners just need to know the tricks to compare company rates on the web.

Get lower rates by taking advantage of these ten discounts

Some insurance providers don’t list every discount very well, so the following is a list of a few of the more well known in addition to some of the lesser obvious insurance savings.

  • Driver Education Discount – Teen drivers should enroll in driver’s education if offered at their school.
  • Distant Student Discount – Any of your kids living away from home attending college and leave their car at home can receive lower rates.
  • Accident Free – Insureds who avoid accidents and claims get the best insurance rates when compared with bad drivers.
  • Own a Home and Save – Owning your own home or condo can save a few bucks since owning and maintaining a home demonstrates responsibility.
  • Professional Memberships – Belonging to qualifying employment or professional organizations can get you a small discount on your policy.
  • Sign Early and Save – A few larger companies allow discounts for buying a new policy prior to your current policy expiration. It can save you around 10%.
  • Drive Less and Save – Maintaining low annual mileage could qualify for cheaper rates.
  • Good Grades Discount – This discount could provide a savings of up to 20% or more. This discount can apply until age 25.
  • Discounts for Federal Employees – Simply working for the federal government can save as much as 8% on SilveradoHD coverage depending on your company.
  • Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.

One thing to note about discounts is that most discounts do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that you can get free auto insurance, companies don’t profit that way.

A few companies that may have these discounts possibly include:

If you need lower rates, check with every insurance company which discounts you may be entitled to. Some discounts may not apply in your area. If you would like to view companies with the best insurance discounts, click here.

How much car insurance do I need?

When it comes to buying the best car insurance coverage, there really is not a best way to insure your cars. Each situation is unique so your insurance needs to address that. For instance, these questions may help you determine whether your personal situation might need professional guidance.

  • Does coverage extend to Mexico or Canada?
  • Does my 2015 Chevy Silverado 2500HD need full coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I pay less for low miles?
  • Can I rate high risk drivers on liability-only vehicles?
  • Are my tools covered if they get stolen from my vehicle?
  • Is my custom paint covered by insurance?
  • Can I rent a car in Mexico?
  • Can I make deliveries for my home business?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Slick advertising tricks that work

Consumers constantly see and hear ads that claim the best auto insurance rates from companies such as Allstate, Geico and Progressive. They all seem to convey the message about savings if you get a free car insurance quote and switch your coverage to them.

It sounds good, but how can they all charge you less for auto insurance? Here is the trick they use.

Different companies have strict underwriting profiles for the type of customer that will add to their bottom line. A good example of a desirable risk could possibly be between the ages of 30 and 50, is a homeowner, and drives a lower-performance vehicle. Any new insured who fits those characteristics will most likely get cheap auto insurance rates and will save a lot of money.

Consumers who do not meet those standards will probably be forced to pay a more expensive rate which usually ends up with the prospect going elsewhere. The ads say “customers who switch” not “everyone that quotes” save the amount stated. This is how insurance companies can confidently claim big savings. Each company has different criteria, so drivers should get car insurance quotes from several different companies. It’s impossible to know which company will have the lowest rates.

The coverage is in the details

Understanding the coverages of your auto insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are the usual coverages found on most auto insurance policies.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for things like scraping a guard rail, sustaining damage from a pot hole, damaging your car on a curb and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.


Liability coverage will cover damages or injuries you inflict on people or other property. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like court costs, structural damage, bail bonds, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Chevy Silverado 2500HD.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for short-term medical expenses such as surgery, rehabilitation expenses and EMT expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive auto coverage

This coverage covers 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 pays for things like falling objects, rock chips in glass and hail damage. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Save your hard earned cash

You just read many ideas to get a better price on 2015 Chevy Silverado 2500HD insurance. The key concept to understand is the more providers you compare, the better chance you’ll have of finding low cost car insurance. Consumers may even find the most savings is with some of the lesser-known companies. These companies may only write in your state and offer lower car insurance rates as compared to the big name companies such as Geico and State Farm.

When searching for inexpensive car insurance quotes, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, drivers have reduced liability limits or collision coverage and found out when filing a claim they didn’t have enough coverage. The proper strategy is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Even more information is available in the articles below:

Comments About 2015 Chevrolet Silverado 2500HD Insurance

  1. Telma Aguirre

    In Minneapolis, MN try Allstate or GEICO. Both had decent prices.

  2. Roni Price

    Good site, thanks. Live in the northern part of Virginia Beach, VA. Got rates from Hartford, Auto-Owners, Mercury, and a couple others for my Chevrolet and I think I saved around $60 each month. Left Safeco to switch.

  3. Juan Allen

    I got decent rates for a 2015 Chevrolet Silverado 2500HD in Bangor, ME. Ended up at about $130 every six months with American Family. Bought it from an online quote.

  4. Elly Rush

    I’ve insured with GEICO for a long time. Pretty cheap in Hilo, HI.

  5. Leola Stone

    Hope my car insurance gets cheaper. I live east of Wilmington, Delaware. Quoted prices online for a 2015 Chevrolet Silverado 2500HD. Ended up at about $140 savings annually. Went with 21st Century. Insured with The General before. I’m a pretty low risk driver. Not sure if rates are cheaper online or not.

  6. Dot Frazier

    Thought I’d throw in my experience. From Cedar Rapids, Iowa. Quoted prices online for a 2015 Chevrolet Silverado 2500HD. Ended up at about $400 savings annually. Went with 21st Century.

  7. Felecia Dunn

    I chose to switch to State Farm from AAA. I live in Memphis, TN. Insured with Safeco before. Not sure if rates are cheaper online or not.

  8. Minna Nicholson

    I’m in the suburbs of Tacoma, WA. Received quotes from AIG Insurance, Nationwide, and some smaller one I can’t remember the name of for my Chevrolet and cut my rates about $470 a year. I have a teen driver too.