Save on 2016 Chevrolet Silverado 2500HD Car Insurance Rates

Trying to find the cheapest insurance coverage rates for your Chevrolet Silverado 2500HD? Are you drained from sacrificing other expenses to make your insurance coverage payment? You are in the same boat as many other consumers. Consumers have many auto insurance companies to purchase coverage from, and although it’s nice to have multiple companies, lots of choices makes it harder to compare company pricing.

Finding affordable coverage is not that difficult. If you are insured now or are looking for a new policy, you can use these tips to shop for the lowest rates while maintaining coverages. Vehicle owners only need an understanding of the proper methods to get comparison quotes online.

The quickest method we recommend to get policy rate comparisons takes advantage of the fact most larger insurance companies will pay a fee to give free rates quotes. The only thing you need to do is take a few minutes to give details such as whether you have decent credit, whether or not you need a SR-22, the ages of drivers, and what you do for a living. Your insurance information is then sent to multiple different insurance companies and they return quotes instantly to find the best rate.

Learn how to quote auto insurance for less

Multiple criteria are part of the calculation when premium rates are determined. Some are obvious like an MVR report, but some are not quite as obvious such as whether you are married or how safe your car is.

  • Increase physical damage deductibles and save – Coverage for physical damage, also known as collision and other-than-collision, helps pay for damage to your vehicle. Some coverage claims could be collision with another vehicle, damage caused by hail, or theft. The deductibles define the amount you are required to spend out-of-pocket before a claim is paid by your company. The more expense the insured is willing to pay, the lower your rates will be for SilveradoHD coverage.
  • Prevent theft and save – Buying a car with an alarm system can save you a little every year. Systems that thwart theives like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent car theft.
  • Experienced drivers pay less – More mature drivers are proven to be safer behind the wheel, tend to cause fewer accidents and get fewer tickets.Youthful drivers are statistically shown to be less responsible when behind the wheel and because of this, their auto insurance rates are much higher.
  • The more you drive the more you pay – The more you drive each year the more you’ll pay to insure your vehicle. Most insurance companies charge rates determined by how the vehicle is used. Cars and trucks that do not get driven very much get more affordable rates than those used for commuting. An improperly rated Silverado 2500HD is throwing money out the window. It’s always a good idea to double check that your vehicle rating shows annual mileage, because it can save money.

Save money with these discounts

Insuring your fleet can be pricey, but you can get discounts that can drop the cost substantially. Most are applied when you quote, but less common discounts must be manually applied before they will apply. If you’re not getting every credit available, you could be saving more on your car insurance.

  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt may be able to save a few bucks on medical payment and PIP coverage.
  • Early Signing – Some insurance companies reward drivers for switching companies before your current coverage expires. It could save around 10% when you buy insurance coverage online.
  • Good Driver Discounts – Drivers without accidents may save up to 50% more for SilveradoHD coverage than less cautious drivers.
  • Multi-line Discount – Larger car insurance companies have a break if you buy a life policy as well.
  • Drivers Education – Reduce the cost of insurance for teen drivers by having them take driver’s ed class as it can save substantially.
  • Theft Deterent Discount – Cars and trucks optioned with advanced anti-theft systems are stolen with less frequency and will qualify for a discount on a insurance coverage quote.
  • No Charge for an Accident – This isn’t a discount exactly, but companies like Allstate, State Farm and GEICO will forgive one accident without getting socked with a rate hike as long as you don’t have any claims before the accident.
  • Discounts for Multiple Vehicles – Purchasing coverage when you have multiple vehicles on a single policy qualifies for this discount.

One last thing about discounts, most discount credits are not given the the whole policy. Some only apply to the cost of specific coverages such as medical payments or collision. So when the math indicates you could get a free car insurance policy, you aren’t that lucky. But any discount will definitely reduce your policy premium.

To view insurers who offer discounts, click here to view.

Car insurance can be complex

When choosing coverage, there really is not a “best” method to buy coverage. Each situation is unique so your insurance should reflect that For instance, these questions may help you determine if your situation may require specific advice.

  • Should I file a claim if it’s only slightly more than my deductible?
  • What exactly is covered by my policy?
  • Am I insured when driving a different vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Are my friends covered when driving my 2016 Chevy Silverado 2500HD?
  • Do I have any recourse if my insurance company denies a claim?
  • How high should deductibles be on a 2016 Chevy Silverado 2500HD?
  • Is pleasure use cheaper than using my 2016 Chevy Silverado 2500HD to commute?

If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It is quick, free and may give you better protection.

Auto insurance coverage information

Knowing the specifics of your policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages found on most car insurance policies.

Comprehensive coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as rock chips in glass, a broken windshield, vandalism, hail damage and a tree branch falling on your vehicle. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your Chevy Silverado 2500HD.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Liability

Liability coverage protects you from injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, 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 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like court costs, structural damage, medical services, repair costs for stationary objects and funeral expenses. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as damaging your car on a curb, hitting a parking meter, driving through your garage door, rolling your car and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for EMT expenses, prosthetic devices, dental work and chiropractic care. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Affordable insurance is out there

You just learned a lot of ways to save on 2016 Chevy Silverado 2500HD insurance. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Consumers could even find that the most savings is with a company that doesn’t do a lot of advertising. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.

As you prepare to switch companies, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits only to find out that it was a big mistake. The ultimate goal is to buy the best coverage you can find at the best price while still protecting your assets.

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Comments About 2016 Chevrolet Silverado 2500HD Insurance

  1. Caroyln Zamora

    I’m in the north part of Memphis, TN. Quoted quotes from Amica, Mercury, and some smaller one I can’t remember the name of for my Silverado 2500HD and I’m now saving $24 a month. Left The General to switch. :)

  2. Barton Chen

    Located in San Jose, CA. Quoted prices online for a 2016 Chevrolet Silverado 2500HD. Ended up at about $300 savings annually. Went with 21st Century. Left GMAC to switch. BTW speeding tickets are not good. Are quotes cheaper online?

  3. Jackqueline Medina

    I went with 21st Century at renewal. Best rates in Boise, Idaho. Good multi-policy discounts. Might find lower rates online.

  4. Juanita Finch

    If you’re a decent driver and live around Frederick, MD, check out GEICO. I saved quite a bit.

  5. Nichol Little

    Great info, thanks for posting. From Virginia Beach, VA. I got free quotes from Amica, Sentry, and some smaller one I can’t remember the name of for my Silverado 2500HD and saved $446 a year. Left Western Auto Insurance to switch.

  6. Zina Lancaster

    Is State Farm cheap in Eugene, Oregon?

  7. Thomas Lang

    Got pretty cheap 2016 Chevrolet Silverado 2500HD insurance from Progressive in Mobile, AL.

  8. Porter Wong

    GEICO is cheapest in West Virginia! :)

  9. Roslyn Wynn

    Lots of good stuff here. From south side of Charlotte, NC. Can’t remember who all I quoted but I ended up saving about $30 each month.

  10. Lila Bowman

    Is Allstate or Farmers cheap in Providence, RI?

  11. Yolonda Case

    I’m just west of Honolulu, HI. Compared quite a few companies. Saved about $40 a month. State Farm was the cheapest for me. BTW speeding tickets are not good.

  12. Tawny Livingston

    I got quite a few price quotes for a 2016 Chevrolet Silverado 2500HD in New Orleans, Louisiana. Ended up at about $110 every six months with Amica. Insured with Progressive before. I have kids on my policy, too. They have free quotes online.

  13. Rachael Mcdonald

    From east side of Tulsa, Oklahoma. Not sure of all the companies but I ended up saving about $50 each month.

  14. Claire Bush

    I live north of Aurora, CO. Went online for free insurance quotes for a 2016 Chevrolet Silverado 2500HD. Ended up at about $200 savings annually. Went with Allstate. Have an at-fault accident tho. Not sure if rates are cheaper online or through an agent.

  15. Towanda Franklin

    Hope my car insurance gets cheaper. I live on the south side of Cleveland, OH. Don’t remember every company but I ended up saving about $50 each month. They have a lot of discounts available.

  16. Sally Perez

    Will 21st Century give a discount for driver training?

  17. Vannessa Drake

    Will Progressive cancel my policy for a liability claim?

  18. Chere Moses

    Lots of good stuff here. From northwest of Virginia Beach, Virginia. Received prices from 21st Century, Esurance, and GMAC for my Chevrolet and I’m now saving $65 a month. Was with Progressive.

  19. Stanford Kent

    I got decent rates for a 2016 Chevrolet Silverado 2500HD in Birmingham, Alabama. Ended up at roughly $120 every six months with AAA. I’m a pretty low risk driver.

  20. Lavon Russell

    Cheap is relative. Found cheapest coverage with GEICO for my Silverado 2500HD and am saving around $460 a year. I’m a pretty low risk driver. I got prices on the web.

  21. Leslee Prince

    If you have a good history and live near Colorado Springs, CO, check out 21st Century. You might save some money.

  22. Carmen Daniel

    I compared a lot of rate quotes for a 2016 Chevrolet Silverado 2500HD in Fort Smith, AR. Ended up at right around $450 every six months with American Family. BTW speeding tickets are not good.

  23. Edris Clay

    Like your site, BTW. From east side of Providence, Rhode Island. Got quotes with AAA, MetLife, and Western Auto Insurance for my Silverado 2500HD and I’m now saving $31 a month. Left Erie to switch. Have an at-fault accident tho.

  24. Argelia Cantu

    Here’s what I found out. Located in Lewiston, Maine. Quoted with Amica, MetLife, and some smaller one I can’t remember the name of for my 2016 Chevrolet Silverado 2500HD and saved $339 a year. Have an at-fault accident tho.

  25. Lanny Mathis

    If you have a clean record and live in the vicinity of Salem, Oregon, check out Progressive. You might save some money.

  26. Ariel Reese

    I’m in Rapid City, SD. I compared lots of rates. Saved roughly $40 a month. GEICO was the cheapest for me. Insured with GEICO before.