1999 Chevrolet Silverado 1500 Insurance Quotes

Searching for the cheapest car insurance rates for your Chevrolet Silverado 1500? Cutting costs on car insurance can be hard for consumers not familiar with comparison shopping online. You have so many options that it can quickly become a big hassle to locate the lowest price.

Smart consumers take time to check car insurance prices once or twice a year because prices tend to go up over time. Just because you found the lowest rates on Silverado coverage on your last policy there is a good chance you can find better rates now. Starting now, forget all the misinformation about car insurance because I’m going to teach you one of the easiest ways to save on car insurance.

The purpose of this article is to help you learn how to get online quotes and some tricks to saving. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this strategy. But drivers need to have an understanding of the way insurance companies sell insurance online and use this information to your advantage.

Insurance Coverage Comparison Rates

All major insurance coverage companies such as State Farm, Geico and Progressive give coverage prices online. Obtaining pricing is fairly straightforward as you simply type in your coverage preferences into the quote form. Behind the scenes, the company’s rating system pulls your driving record and credit report and provides a quote based on many factors.

This helps simplify price comparisons, but the time required to go to several different sites and complete many quote forms can get tiresome after awhile. But it’s absolutely necessary to compare as many rates as possible if you want to find a lower rate.

A more efficient way to find cheaper rates makes use of a single form that analyzes rates from a lot of companies. This type of form saves time, eliminates repetitive work, and makes online quotes a little more enjoyable. After sending your information, it is quoted and you can select any of the resulting price quotes.

If the quotes result in lower rates, you can click and sign and buy the policy. The entire process can be completed in less than 10 minutes and you will find out if you’re overpaying now.

If you want to find out if lower rates are available, simply click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you duplicate the limits and deductibles as shown on your current policy. This makes sure you will have a rate comparison based on the exact same insurance coverage.

Get lower rates on Chevy Silverado 1500 insurance

Insurance can be prohibitively expensive, but there are discounts available that many people don’t even know exist. Certain discounts will be applied at the time you complete a quote, but a few need to be specially asked for prior to getting the savings.

  • No Accidents – Drivers with accident-free driving histories pay much less as compared to accident-prone drivers.
  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills could save 5% or more if you qualify.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
  • Student in College – Kids in college who live away from home and don’t have a car may be able to be covered for less.
  • Multi-car Discount – Buying insurance for more than one vehicle with the same company qualifies for this discount.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts may earn rate discounts of 20% or more.

It’s important to note that some credits don’t apply the the whole policy. The majority will only reduce individual premiums such as collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, it just doesn’t work that way. But all discounts will cut your premiums.

Car insurance companies that may offer some of the above discounts are:

Double check with each company what discounts are available to you. Discounts may not be available in your area.

Tailor your coverage to you

When choosing the right insurance coverage for your vehicles, there is no “best” method to buy coverage. Each situation is unique.

These are some specific questions might point out if your insurance needs may require specific advice.

  • Is my teen driver covered when they drive my company car?
  • I have a DUI can I still get coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need more liability coverage?
  • Am I covered if I wreck a rental car?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form.

Chevy Silverado 1500 insurance rates have many determining factors

Consumers need to have an understanding of the different types of things that help determine the rates you pay for auto insurance. Knowing what impacts premium levels allows you to make educated decisions that may reward you with big savings.

The following are a few of the “ingredients” companies use to determine rates.

  • Drive a safer car and pay less – Vehicles with high crash test scores tend to have better insurance rates. Safer cars result in less severe injuries and better occupant protection means lower claim amounts passed on to you as lower rates. If your Chevy scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Pay less if you’re married – Being married can get you a discount on your policy. Having a spouse is viewed as being more mature and responsible and it’s proven that married drivers get in fewer accidents.
  • Poor driving leads to higher costs – Just one ticket can increase rates by as much as thirty percent. Good drivers get better rates than bad drivers. Drivers who have serious citations such as DWI, reckless driving or hit and run convictions may need to submit a SR-22 form with the DMV in their state in order to continue driving.
  • Add-on coverages can add up – There are a lot of extra bells and whistles that you can get tricked into buying when buying auto insurance. Coverages for personal injury protection, accidental death and motor club memberships are examples of these. They may seem like a good idea initially, but if you don’t need them eliminate them to save money.
  • High credit ratings translate to low rates – Your credit score is a huge factor in calculating your auto insurance rates. So if your credit rating is lower than you’d like, you could save money insuring your 1999 Chevrolet Silverado 1500 by improving your rating. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have poor credit.
  • How your age affects price – Youthful drivers tend to get distracted easily behind the wheel so they pay higher auto insurance rates. If you’ve ever had to add a young driver onto your auto insurance can break the bank. Older drivers are more responsible, tend to file fewer claims and are safer drivers.
  • No coverage gaps is important – Allowing your coverage to lapse will be a quick way to increase your auto insurance rates. Not only will rates go up, failure to provide proof of insurance will get you a license revocation or jail time.

Drivers who switch save $427 a year? Really?

State Farm, Geico and Progressive continually stream ads on television and other media. All the companies have a common claim of big savings after switching to their company. How do they all make the same claim?

Different companies have a certain “appetite” for the type of driver that is profitable for them. An example of a desirable insured could be over the age of 50, a clean driving record, and chooses high deductibles. Any new insured who fits that profile is entitled to the best price and most likely will save a lot of money.

Potential customers who do not match these standards will have to pay higher premiums and ends up with the customer not buying. Company advertisements say “customers that switch” not “everyone that quotes” save money. This is how companies can truthfully state the savings.

Because of the profiling, it’s extremely important to compare as many rates as you can. It’s impossible to know which company will give you the biggest savings on Chevy Silverado 1500 insurance.

Detailed coverages of your insurance policy

Learning about specific coverages of insurance aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Liability insurance

Liability insurance protects you from injuries or damage you cause to other people or property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as repair costs for stationary objects, medical expenses, court costs, bail bonds and funeral expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like crashing into a building, sideswiping another vehicle, colliding with a tree, crashing into a ditch and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from a tornado or hurricane, vandalism, a tree branch falling on your vehicle and hail damage. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills like funeral costs, dental work, pain medications and surgery. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

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 is important protection for you and your family. Most of the time these limits are identical to your policy’s liability coverage.

Stretch your dollar

When you buy insurance online, it’s not a good idea to buy poor coverage just to save money. There have been many situations where an insured cut liability coverage limits and found out when filing a claim that the savings was not a smart move. Your focus should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

We just presented some good ideas how you can save on 1999 Chevy Silverado 1500 insurance. The most important thing to understand is the more providers you compare, the better likelihood of reducing your rate. You may even discover the lowest premiums are with an unexpected company.

Insureds change insurance companies for many reasons like lack of trust in their agent, denial of a claim, being labeled a high risk driver or questionable increases in premium. No matter why you want to switch, finding a new company can be easy and end up saving you some money.

Even more information can be found in the articles below: