2012 Chevrolet Silverado 3500HD Insurance Quotes – 8 Tips for Cheaper Rates

Scraping up a payment for overpriced Chevrolet Silverado 3500HD insurance can drain your savings account and make it impossible to make ends meet. Comparison shopping is free and is an excellent way to slash your bill and have more diposable income. There are many auto insurance companies to choose from, and although it’s nice to have multiple companies, lots of choices makes it harder to compare rates.

It’s a good idea to check car insurance prices on a regular basis because rates trend upward over time. Just because you found the lowest price on SilveradoHD coverage last year you may be paying too much now. Starting right now, forget anything you know (or think you know) about car insurance because I’m going to teach you the fastest way to save money, get proper coverage and the best rates.

This information will help educate you on the best way to quote coverages and some tips to save money. If you have car insurance now, you will most likely be able to cut costs considerably using this information. Vehicle owners just need to learn the most effective way to compare prices online.

Don’t pay full price with these eight discounts

Insurance can cost an arm and a leg, but you can get discounts to reduce the price significantly. Certain discounts will be triggered automatically at the time of quoting, but a few need to be asked for in order for you to get them. If you don’t get every credit available, you are paying more than you should be.

  • Life Insurance – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • Sign Online – A handful of insurance companies will give a small break simply for signing on their website.
  • Save with a New Car – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save 10% or more off your medical payments premium.
  • Drivers Ed for Students – Require your teen driver to complete a driver education course if offered at their school.
  • Multiple Vehicles – Buying insurance for multiple vehicles on the same insurance policy qualifies for this discount.
  • Bundle and Save – When you have multiple policies with one insurance company you will save approximately 10% to 15%.
  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.

Keep in mind that some credits don’t apply to your bottom line cost. Most cut individual premiums such as physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, it doesn’t quite work that way. Any amount of discount will reduce the amount you have to pay.

For a list of insurers who offer insurance discounts, click here to view.

Insurance Coverage Quote Comparison

Getting better 2012 Chevy Silverado 3500HD insurance coverage pricing can be surprisingly simple. You just need to take a couple of minutes to compare rate quotes provided by online insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The first (and easiest) way to get quotes for comparison is a comparison rater form (click to open form in new window). This type of form saves time by eliminating a different quote to each individual insurance coverage company. One form submission will return quotes from insurance coverage companies with the best prices.
  2. A more difficult way to shop for insurance coverage online is to take the time to go to each individual company website to request a price quote. For sake of this example, we’ll pretend you want to compare Allstate, Farmers and Liberty Mutual. To get each rate you have to spend time on each company’s site and enter your policy data, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  3. The least efficient way of getting rate comparisons is driving around to insurance agents’ offices. The ability to buy insurance online makes this process obsolete unless you want the professional advice that only a license agent can provide. Drivers can find lower rates online but buy from a local insurance agent and we’ll cover that in a bit.

Whichever way you use, make sure you use apples-to-apples coverage information for each price quote. If you compare different liability limits then you won’t be able to determine the lowest rate for your Chevy Silverado 3500HD.

Your personal situation dictates your coverage

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Every situation is different so your insurance needs to address that. These are some specific questions might point out if your insurance needs might need professional guidance.

  • Do I need replacement cost coverage on my 2012 Chevy Silverado 3500HD?
  • Should I rate my 2012 Chevy Silverado 3500HD as pleasure use or commute?
  • Where can I find DUI or SR-22 insurance?
  • Am I insured when driving a different vehicle?
  • When should I buy a commercial auto policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can I afford to pay high deductible claims out of pocket?
  • Does my policy cover my teen driver if they drive my company car?
  • Does insurance cover tools stolen from my truck?
  • Will my rates increase for filing one claim?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this 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 considerations

Having a good grasp of your car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types available from car insurance companies.

Liability auto insurance

This can cover damage that occurs to a person or their property in an accident. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like loss of income, attorney fees, pain and suffering, bail bonds and funeral expenses. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like EMT expenses, surgery and chiropractic care. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Chevy Silverado 3500HD.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits do not exceed the liability coverage limits.

Collision coverage protection

This pays for damage to your Silverado 3500HD resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like hitting a parking meter, driving through your garage door and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like rock chips in glass, falling objects and hail damage. The most your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Power to the consumer

Lower-priced 2012 Chevy Silverado 3500HD insurance is attainable both online in addition to many insurance agents, so compare prices from both in order to have the best price selection to choose from. Some insurance providers do not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

As you restructure your insurance plan, it’s very important that you do not reduce needed coverages to save money. There have been many situations where an insured dropped full coverage only to discover later that their decision to reduce coverage ended up costing them more. Your focus should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

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