Compare 2008 Chevrolet Silverado 2500HD Insurance Quotes

Looking for lower insurance coverage rates for your Chevrolet Silverado 2500HD? Overwhelmed by the wide range of insurance coverage options? You’re not the only one! Consumers have so many companies to choose from that it can quickly become a real hassle to find the lowest price.

Save money by taking advantage of these discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available that you may not know about. Larger premium reductions will be automatically applied when you purchase, but less common discounts must be specifically requested prior to receiving the credit.

  • Low Mileage Discounts – Fewer annual miles on your Chevy can earn better rates on cars that stay parked.
  • Good Student – A discount for being a good student can save 20 to 25%. This discount can apply until age 25.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • Multi-car Discount – Having more than one vehicle on the same car insurance policy can get a discount on all vehicles.
  • Defensive Driver – Taking a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • Accident Waiver – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
  • Accident Free – Claim-free drivers pay less when compared to drivers who are more careless.
  • Senior Discount – Mature drivers may receive a discount up to 10% on SilveradoHD coverage.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can get savings of up to 25% or more.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think all those discounts means the company will pay you, companies don’t profit that way. Any qualifying discounts will bring down your premiums.

Insurance companies that may offer these discounts may include but are not limited to:

Double check with every prospective company which discounts you may be entitled to. Savings might not be offered in every state.

When should I use an insurance agent?

When it comes to buying the right insurance coverage for your vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining if your insurance needs would benefit from an agent’s advice.

  • Am I covered if hit by an uninsured driver?
  • What is PIP insurance?
  • When do I need to add a new car to my policy?
  • Are my friends covered when driving my car?
  • Can I make deliveries for my home business?
  • Do I have coverage for damage caused while driving under the influence?
  • Are my tools covered if they get stolen from my vehicle?
  • Why am I required to buy high-risk coverage?
  • Is my teen driver covered when they drive my company car?
  • What is the rate difference between pleasure use and commuting?

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 agent. To find an agent in your area, take a second and complete this form.

Slick advertising tricks that work

Insurance companies such as State Farm and Allstate consistently run ads on TV and radio. They all seem to make an identical promise about savings if you change your coverage to them. How can each company claim to save you money?

All companies have a preferred profile for the driver that earns them a profit. An example of a desirable insured might be between 30 and 50, has no prior claims, and drives less than 7,500 miles a year. Any driver who fits that profile will get very good rates and most likely will cut their rates substantially.

Potential customers who don’t qualify for this ideal profile will have to pay higher premiums and this can result in business not being written. The ads say “customers that switch” not “everyone that quotes” save money. This is how insurance companies can make the claims of big savings.

Because of the profiling, it’s extremely important to compare as many rates as you can. Because you never know which company will give you the biggest savings on Chevy Silverado 2500HD insurance.

Parts of your auto insurance policy

Understanding the coverages of a auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Silverado 2500HD.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for collisions

Collision insurance pays for damage to your Silverado 2500HD resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a building, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for dental work, rehabilitation expenses and nursing services. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, hail damage, hitting a deer, a broken windshield and hitting a bird. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability insurance

Liability insurance will cover injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as bail bonds, legal defense fees, funeral expenses, emergency aid and attorney fees. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Pennies from heaven

As you restructure your insurance plan, don’t be tempted to buy lower coverage limits just to save a few bucks. Too many times, an insured dropped full coverage and found out when filing a claim that the small savings ended up costing them much more. Your strategy should be to buy the best coverage you can find at an affordable rate while still protecting your assets.

People change insurance companies for many reasons like denial of a claim, high rates after DUI convictions, policy non-renewal or even delays in responding to claim requests. Whatever your reason, switching insurance coverage companies is pretty simple and you could end up saving a buck or two.

Low-cost 2008 Chevy Silverado 2500HD insurance can be purchased on the web as well as from independent agents, so you should compare both to have the best chance of lowering rates. Some insurance coverage companies don’t offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

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