Save on 2016 Chevrolet Silverado 3500HD Insurance Quotes

Trying to find cheaper auto insurance rates? Buyers have a choice when searching for low-cost Chevy Silverado 3500HD insurance. They can either spend hours struggling with agents getting price quotes or use the internet to make rate comparisons.

There is a right way and a wrong way to compare auto insurance rates so we’re going to tell you the best way to quote coverages for a new or used Chevy and find the lowest price.

It’s a great practice to get comparison quotes once or twice a year since insurance prices change regularly. If you had the lowest rates for SilveradoHD insurance a year ago there may be better deals available now. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to how to use online quotes to get good coverage at a lower rate.

Where can I get the cheapest insurance coverage?

There are a variety of methods you can shop for insurance coverage and some are easier and takes less work. You can waste hours talking to insurance agencies in your area, or you can stay home and use the web to get rates in a matter of minutes.

Most major companies belong to an insurance system where prospective buyers submit their information once, and each participating company returns a rated price. This saves time by eliminating quote forms for each company you want a rate for.

To compare rates using this form now click here (opens in new window).

The only drawback to pricing coverage this way is you can’t choose which carriers to get quotes from. If you prefer to choose specific providers to request quotes from, we have a listing of companies who write insurance coverage in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just make sure you use the same coverage limits for every quote you compare. If you compare differing limits you will not be able to decipher which rate is best.

Find hidden discounts on auto insurance

Properly insuring your vehicles can get expensive, but there could be available discounts that many people don’t even know exist. Most are applied when you purchase, but a few must be requested specifically prior to getting the savings.

  • Service Members Pay Less – Having a deployed family member could qualify you for better premium rates.
  • Accident Free – Claim-free drivers pay less as compared to drivers who are more careless.
  • Life Insurance Discount – Not all insurance carriers offer life insurance, but some may give you a break if you buy a life policy as well.
  • Sign Online – Some auto insurance companies provide a small discount shop insurance coverage on the web.
  • Professional Memberships – Being in a professional or civic organization is a simple method to lower premiums on your next renewal.
  • Buy New and Save – Putting auto insurance coverage on a new car can save you some money since new vehicles are generally safer.
  • Homeowners Savings – Owning a house can get you a discount because it means you have a higher level of financial diligence.
  • Passive Restraint Discount – Options like air bags and/or automatic seat belt systems may qualify for discounts up to 30%.
  • Good Students Pay Less – This discount may save you up to 25%. Many companies even apply the discount to college students up to age 25.

Keep in mind that some credits don’t apply the the whole policy. Most cut the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you could get a free auto insurance policy, that’s just not realistic.

Popular auto insurance companies and a summarized list of policyholder discounts are included below.

  • The Hartford has discounts for anti-theft, good student, vehicle fuel type, driver training, defensive driver, bundle, and air bag.
  • American Family offers premium reductions for early bird, accident-free, Steer into Savings, bundled insurance, multi-vehicle, and air bags.
  • Progressive discounts include online quote discount, online signing, multi-policy, homeowner, and good student.
  • Travelers has savings for multi-car, hybrid/electric vehicle, IntelliDrive, home ownership, student away at school, and save driver.
  • Farmers Insurance policyholders can earn discounts including homeowner, switch companies, pay in full, alternative fuel, multi-car, electronic funds transfer, and bundle discounts.
  • USAA may have discounts that include driver training, family discount, defensive driver, multi-vehicle, safe driver, and military installation.
  • Liberty Mutual offers discounts for new vehicle discount, newly retired, safety features, teen driver discount, new graduate, preferred payment discount, and good student.

If you are trying to find the cheapest insurance coverage quotes, ask each company to apply every possible discount. Discounts may not apply to policyholders in your area. To choose insurance companies with discount auto insurance rates, follow this link.

Tailor your insurance coverage to you

When choosing the best insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions might help in determining if your insurance needs may require specific advice.

  • Does coverage extend to my business vehicle?
  • Is my cargo covered for damage or theft?
  • What companies insure drivers after a DUI or DWI?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is my trailer covered?
  • When would I need rental car insurance?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Auto insurance 101

Knowing the specifics of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Chevy Silverado 3500HD.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally the UM/UIM limits are set the same as your liablity limits.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like hospital visits, X-ray expenses, prosthetic devices, funeral costs and dental work. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Liability car insurance

Liability insurance can cover damages or injuries you inflict on a person or their property. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as emergency aid, bail bonds and structural damage. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Comprehensive insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hail damage, rock chips in glass and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto collision coverage

This pays for damage to your Silverado 3500HD from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like colliding with a tree, crashing into a ditch, rolling your car, driving through your garage door and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Comments About 2016 Chevrolet Silverado 3500HD Insurance

  1. Rebecca Avila

    Does Allstate have good customer service?

  2. Garry Parks

    If you don’t have tickets and live in the vicinity of Nashville, Tennessee, check out State Farm. They seem to be cheaper. Insured with Auto-Owners before. BTW speeding tickets are not good.

  3. Jeanmarie Bullock

    Corporate greed I’m telling you. Quoted with Safeco for my Silverado 3500HD and am saving around $550 a year. Insured with Erie before. Just waiting to see how claims go.

  4. Charissa Camacho

    Just my two cents. I live north of Evansville, Indiana. I don’t recall every quote but I ended up saving about $40 each month. I have kids on my policy, too.

  5. Adelle Bird

    Will Progressive do a SR22 in Cleveland, OH?

  6. Latia Pope

    I got quite a few price quotes for a 2016 Chevrolet Silverado 3500HD in Allentown, PA. Ended up at about $380 every six months with Auto-Owners. I just quoted rates online.

  7. Keena Hardin

    Is State Farm or Eastwood cheap in Warren, MI?