2017 Chevrolet Silverado 2500HD Insurance Quotes – 5 Tips for Cheaper Rates

Have you had enough of sacrificing to keep your car insured? Your situation is no different than most other consumers. Multiple car insurance companies compete for your insurance dollar, and it can be difficult to compare rates to find the best rate

Do you qualify for discount insurance coverage?

Some insurance providers don’t list their entire list of discounts very well, so the list below contains a few of the more well known as well as the least known discounts that you may qualify for.

• Save with a New Car – Insuring a new car is cheaper since new vehicles have better safety ratings.
• Discounts for Responsible Drivers – Insureds who avoid accidents could pay up to 40% less for SilveradoHD insurance than their less cautious counterparts.
• Homeowners Savings – Owning a home may trigger a policy discount on insurance coverage because owning a home is proof of financial responsibility.
• Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off PIP or medical payments premium.
• Multi-car Discount – Buying insurance for multiple vehicles with one company may reduce the rate for each vehicle.

Remember that most credits do not apply the the whole policy. Most cut specific coverage prices like comp or med pay. So even though they make it sound like it’s possible to get free car insurance, that’s just not realistic.

A list of insurance coverage companies and their offered discounts can be read below.

• The Hartford has savings for anti-theft, driver training, bundle, air bag, defensive driver, good student, and vehicle fuel type.
• American Family may include discounts for Steer into Savings, early bird, defensive driver, multi-vehicle, TimeAway discount, air bags, and mySafetyValet.
• Progressive offers premium reductions for continuous coverage, online quote discount, homeowner, good student, online signing, multi-policy, and multi-vehicle.
• Travelers offers discounts including payment discounts, multi-car, hybrid/electric vehicle, continuous insurance, and save driver.
• Farmers Insurance discounts include teen driver, electronic funds transfer, distant student, mature driver, early shopping, multi-car, and business and professional.
• USAA has discounts for good student, defensive driver, driver training, annual mileage, new vehicle, and vehicle storage.
• Liberty Mutual may have discounts that include good student, preferred payment discount, multi-policy, new graduate, exclusive group savings, and newly retired.

When getting a coverage quote, ask all the companies which discounts you qualify for. Savings may not apply to policyholders in your area. If you would like to choose from a list of providers with the best insurance coverage discounts, click this link.

How to get free insurance quotes online

Performing a rate comparison can be challenging if you aren’t aware of the most efficient way. You could waste a few hours driving to insurance companies in your area, or you could save time and use the internet to maximize your effort.

Many popular insurance companies participate in a marketplace where insurance shoppers submit their information once, and at least one company returns a competitive quote. This saves time by eliminating form submissions to every company. To enter your information into the quoting system, click here to start a free quote.

The only drawback to doing it this way is you can’t choose which insurance companies to get quotes from. So if you prefer to pick from a list of companies to request quotes from, we put together a list of the cheapest insurance companies in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just make sure you are using apples-to-apples coverages and limits for each comparison quote. If the quotes have different liability limits it’s impossible to determine which rate is truly the best.

What insurance coverages do I need?

When it comes to buying coverage for your personal vehicles, there really is no single plan that fits everyone. Every insured’s situation is different so this has to be addressed. For example, these questions can help discover if you would benefit from an agent’s advice.

• How can I force my company to pay a claim?
• Is my business laptop covered if it gets stolen from my vehicle?
• Who is covered by my policy?
• How can I get high-risk coverage after a DUI?
• If my pet gets injured in an accident are they covered?
• Am I getting all the discounts available?
• Do I have any recourse if my insurance company denies a claim?
• Can I still get insurance after a DUI?
• What is roadside assistance coverage?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverage information

Learning about specific coverages of insurance helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverages found on the average insurance policy.

Collision coverage

This coverage pays for damage to your Silverado 2500HD caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as backing into a parked car, driving through your garage door and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as dental work, X-ray expenses, surgery, pain medications and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your 2017 Chevy Silverado 2500HD.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.

Liability insurance

Liability coverage provides protection from damage that occurs to other people or property. 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. Your policy might show liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as funeral expenses, structural damage and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Comprehensive insurance

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like theft, damage from a tornado or hurricane, vandalism and hitting a deer. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Spend less. Save more.

We just presented quite a bit of information on how to reduce 2017 Chevy Silverado 2500HD insurance prices online. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. Drivers may discover the lowest prices are with a lesser-known regional company. These companies may have significantly lower rates on certain market segments than the large multi-state companies such as Progressive or Geico.

When searching for cheap insurance quotes, it’s very important that you do not buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice liability coverage limits only to discover later they didn’t purchase enough coverage. Your objective should be to buy the best coverage you can find for the lowest price and still be able to protect your assets.

More information can be found on the following sites:

• Electronic Stability Control FAQ (iihs.org)
• Things to Know Before you Cancel Insurance (Allstate)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• How to Avoid Staged Accidents (State Farm)
• Older Driver Statistics (Insurance Information Insitute)
• Credit and Insurance Scores (Insurance Information Insitute)