2018 Chevrolet Silverado 3500HD Insurance Cost – 6 Tricks for Cheaper Prices

Looking for better insurance rates for your Chevrolet Silverado 3500HD? Locating affordable insurance may be somewhat intimidating for drivers who are new to buying insurance on the internet. With so many options of companies competing online, how are we expected to have a chance to compare every one to find the cheapest rates?

It’s important to take a look at other company’s rates on a regular basis because insurance prices fluctuate regularly. Even if you think you had the best deal on SilveradoHD coverage a few years ago the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about insurance because it’s time to teach you one of the quickest ways to reduce your cost while increasing coverage.

Shop car insurance online

When looking for inexpensive car insurance quotes, there are a couple ways of comparing rate quotes from lots of car insurance companies. The best way to find competitive 2018 Chevy Silverado 3500HD insurance rates consists of shopping online. This is very easy and can be done in just a few minutes using one of these methods.

The most efficient method to get quotes would be an industry-wide quote request form (click to open form in new window). This method keeps you from doing separate forms for every company. A single, simple form gets rate comparisons from multiple companies. This is by far the quickest method.

A more time consuming way to find lower rates requires a trip to each company website and complete a new quote form. For sake of this example, let’s say you want to view quotes from Geico, Progressive and Travelers. You would be required to spend time on each company’s site and type in your information over and over, which can be really labor intensive. To view a list of companies in your area, click here.

The last way to price shop rates is making phone calls or going to insurance agencies in your area. Quoting and buying insurance online makes this unnecessary unless you’re the type of person who wants the professional guidance that only an agent can give. If you prefer, some companies allow you to comparison shop online but have a local agent actually write the policy.

However you get your quotes, be sure to compare apples-to-apples information with every price quote. If you have unequal deductibles or liability limits it’s not possible to make an equal comparison. Just slight variations in coverages can make a big difference in price. And when comparison shopping, comparing more rates from different companies gives you a better chance of getting a better price.

Car insurance policy discounts you can’t miss

Car insurance companies don’t necessarily list all available discounts very well, so the next list breaks down some of the best known as well as the least known discounts that you may qualify for. If you do not check that you are getting every discount available, you are just wasting money.

  • Defensive Driver Discounts – Taking a class that teaches defensive driving techniques could earn you a small percentage discount and also improve your driving technique.
  • Mature Driver Discount – Drivers over the age of 55 are able to get a small discount on rates on SilveradoHD coverage.
  • Include Life Insurance and Save – Larger insurance companies have a break if you buy life insurance.
  • Distant College Student Discount – Older children who attend college more than 100 miles from home and don’t have a car may be able to be covered for less.
  • Braking Control Discount – Cars that have anti-lock braking systems have fewer accidents and earn discounts up to 10%.
  • Safety Restraint Discount – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more off PIP or medical payments premium.

Don’t be shocked that most of the big mark downs will not be given to the entire policy premium. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

A few of the larger companies and some of the premium reductions they offer are detailed below.

  • State Farm offers discounts for good driver, driver’s education, multiple autos, passive restraint, accident-free, and defensive driving training.
  • Geico offers discounts including daytime running lights, anti-lock brakes, federal employee, five-year accident-free, driver training, air bags, and military active duty.
  • SAFECO discounts include teen safety rewards, multi-car, accident prevention training, drive less, anti-lock brakes, safe driver, and bundle discounts.
  • Farmers Insurance includes discounts for mature driver, teen driver, pay in full, youthful driver, business and professional, multi-car, and electronic funds transfer.
  • AAA has discounts for good driver, AAA membership discount, pay-in-full, anti-theft, multi-car, education and occupation, and good student.
  • USAA may have discounts that include multi-policy, family discount, multi-vehicle, annual mileage, and driver training.

If you need lower rates, check with each insurance company how you can save money. Some credits may not be available in your state. To see a list of insurers with discount car insurance rates, click this link.

Insurance agents can help

When buying adequate coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine whether you might need an agent’s assistance.

  • Do I need more liability coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Which companies will insure high-risk drivers?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered if I hit a deer?
  • Should I carry comprehensive and collision coverage?
  • Can I drive in Mexico and have coverage?
  • Is my nanny covered when driving my vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form.

Car insurance coverage information

Having a good grasp of your policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Comprehensive insurance

This pays for 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 coverage protects against things such as a broken windshield, damage from a tornado or hurricane, theft and vandalism. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto collision coverage

This coverage pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as crashing into a ditch, hitting a mailbox and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your Chevy Silverado 3500HD.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time these limits are similar to your liability insurance amounts.

Auto liability

Liability insurance will cover damage or injury you incur to other’s property or people that is your fault. 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 limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims like funeral expenses, legal defense fees, repair costs for stationary objects, court costs and bail bonds. How much coverage you buy is your choice, but consider buying as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for expenses for surgery, dental work and chiropractic care. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Smart shoppers get results

Affordable 2018 Chevy Silverado 3500HD insurance can be purchased both online and from local insurance agents, so you should compare both so you have a total pricing picture. Some insurance providers may not have price quotes online and most of the time these smaller companies sell through local independent agencies.

Insureds leave their current company for a number of reasons such as extreme rates for teen drivers, being labeled a high risk driver, questionable increases in premium and delays in responding to claim requests. It doesn’t matter what your reason, finding the right car insurance provider is pretty simple and you could end up saving a buck or two.

We just showed you some good ideas how to compare 2018 Chevy Silverado 3500HD insurance rates online. It’s most important to understand that the more companies you get auto insurance rates for, the higher your chance of finding low cost car insurance. Consumers could even find that the lowest rates are with an unexpected company.

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Comments About 2018 Chevrolet Silverado 3500HD Insurance

  1. Minh Nunez

    Corporate greed I’m telling you. I’m just south of New Haven, CT. Got prices from 21st Century, Erie, and Liberty Mutual for my Silverado 3500HD and saved just over $520 a year. I get multi-vehicle and multi-policy discounts. I used their website to get prices.