Lower Your 2015 Chevrolet Silverado 3500HD Insurance Quotes

Trying to find better car insurance rates for your Chevrolet Silverado 3500HD? Paying for pricey Chevrolet Silverado 3500HD insurance can sap your savings and make it hard to pay other bills. Comparison shopping is a smart way to make sure you’re not throwing money away.

There are many auto insurance companies to purchase coverage from, and though it is a good thing to have a selection, more options can take longer to find the lowest cost provider.

Are you earning every discount?

Not many people think insurance is cheap, but you can get discounts that you may not know about. Certain discounts will be applied at the time of quoting, but some discounts are required to be requested specifically prior to receiving the credit. If they aren’t giving you every credit you qualify for, you could be paying more than you need to.

• Theft Prevention System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and qualify for as much as a 10% discount.
• Discounts for Federal Employees – Simply working for the federal government may qualify for a discount when you quote auto insurance for SilveradoHD insurance depending on your car insurance provider.
• Discount for Home Ownership – Owning a house may trigger a policy discount on car insurance because of the fact that having a home demonstrates responsibility.
• Multi-policy Discount – If you can combine your auto and home policy with one company you could save up to 20% off your total premium.
• First Accident Forgiveness – This one isn’t a discount, but a handful of insurance companies allow you one accident without the usual rate increase if your claims history is clear for a certain period of time.

Remember that some credits don’t apply to the entire policy premium. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, nobody gets a free ride.

Larger car insurance companies and some of the discounts can be read below.

• Progressive may have discounts that include homeowner, multi-policy, continuous coverage, multi-vehicle, online signing, and online quote discount.
• Farmers Insurance has savings for distant student, pay in full, multi-car, homeowner, early shopping, teen driver, and alternative fuel.
• Farm Bureau may include discounts for 55 and retired, youthful driver, good student, safe driver, multi-policy, and driver training.
• State Farm policyholders can earn discounts including accident-free, Drive Safe & Save, multiple policy, multiple autos, passive restraint, good student, and good driver.
• Geico has discounts for anti-theft, seat belt use, daytime running lights, multi-policy, anti-lock brakes, and military active duty.
• SAFECO discounts include homeowner, bundle discounts, drive less, anti-lock brakes, and anti-theft.
• Liberty Mutual may offer discounts for newly retired, hybrid vehicle, multi-policy, multi-car, teen driver discount, and new vehicle discount.

When comparing rates, check with each company or agent what discounts are available to you. All car insurance discounts might not be offered on policies in your state. To choose insurers with significant discounts, click this link.

The method we recommend to get policy rate comparisons is to know all the major auto insurance companies have advanced systems to give free rates quotes. To get started, all you need to do is take a few minutes to give details including if the vehicle is leased, the make and model of your vehicles, the ages of drivers, and how you use your vehicles. The rating information is instantly provided to insurance carriers in your area and they return quotes immediately.

To start a quote now, click here and see if a lower rate is available.

How insurance companies determine Chevy Silverado 3500HD insurance prices

It’s important that you understand the different types of things that are used to determine the price you pay for insurance coverage. When you know what positively or negatively influences your rates, this allows you to make good choices that could help you find big savings. Many things are used in the calculation when you get a price on insurance. A few of the factors are predictable such as your driving record, but other factors are more obscure like your vehicle usage or how safe your car is.

Listed below are a partial list of the pieces used by insurance companies to determine your rates.

• Save by driving vehicles with better crash test results – Vehicles with high crash test scores are cheaper to insure. Highly rated vehicles protect occupants better and fewer injuries translates into fewer and smaller insurance claims which can result in lower premiums. If your Chevy Silverado 3500HD has ratings of a minimum four stars on Safercar.gov you are probably receiving a discount.
• More traffic equals higher prices – Having an address in a rural area can be a good thing when insuring your vehicles. People in densly populated areas regularly have congested traffic and more severe claims. Less people living in that area translates into fewer accident claims and also fewer theft and vandalism claims.
• Don’t skimp on liability insurance – Liability insurance will afford coverage if ever you are found to be at fault for physical damage or personal injury to other. Your liability coverage provides legal defense to defend your case. Liability insurance is pretty cheap when compared with rates for comp and collision, so do not cut corners here.
• Vehicles with better crash test results that lower prices – Buying a car with a theft deterrent system can help lower your rates. Anti-theft devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent car theft and help bring rates down.

When in doubt talk to an agent

When choosing the best insurance coverage, there really is not a best way to insure your cars. Each situation is unique so your insurance should reflect that For instance, these questions may help highlight whether your personal situation might need professional guidance.

• Do all my vehicles need collision coverage?
• When should I not file a claim?
• If I drive on a suspended license am I covered?
• Is a fancy paint job covered?
• Can I pay claims out-of-pocket if I buy high deductibles?
• How do I file an SR-22 for a DUI in my state?
• Can I get a multi-policy discount for packaging my home and auto coverage?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Car insurance coverage basics

Knowing the specifics of car insurance can be of help when determining which coverages you need and the correct deductibles and limits. Car insurance terms can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types available from car insurance companies.

Medical expense insurance

Med pay and PIP coverage kick in for immediate expenses like dental work, prosthetic devices, pain medications and X-ray expenses. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2015 Chevy Silverado 3500HD.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a bird, falling objects and theft. The highest amount 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 removing comprehensive coverage.

Coverage for collisions

This coverage pays for damage to your Silverado 3500HD caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like hitting a parking meter, damaging your car on a curb, rolling your car and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Auto liability

Liability insurance provides protection from damages or injuries you inflict on a person or their property. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims like repair costs for stationary objects, legal defense fees, attorney fees, funeral expenses and court costs. How much liability should you purchase? That is up to you, but buy higher limits if possible.

A penny earned…

You just learned a lot of information how to shop for 2015 Chevy Silverado 3500HD insurance online. It’s most important to understand that the more companies you get prices for, the better your comparison will be. Consumers may even find the lowest premium rates come from the least-expected company. These smaller insurers can often provide lower prices in certain areas than their larger competitors like State Farm or Progressive.

The cheapest 2015 Chevy Silverado 3500HD insurance is available from both online companies as well as from insurance agents, so get free auto insurance quotes from both of them to have the best rate selection. Some companies don’t offer internet price quotes and most of the time these small insurance companies prefer to sell through independent agencies.

As you shop your coverage around, it’s a bad idea to reduce needed coverages to save money. There are too many instances where someone dropped liability coverage limits and found out when filing a claim that the savings was not a smart move. Your goal should be to get the best coverage possible for the lowest price, but do not skimp to save money.

For more information, take a look at the articles below:

• State Car Insurance Guides (Geico)
• Who Has Cheap Sacramento Car Insurance for a Chevrolet Silverado? (InsureSacramento.com)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)