2013 Chevrolet Silverado 3500HD Car Insurance Quotes – 6 Ways to Save

Looking for the cheapest car insurance rates for your Chevrolet Silverado 3500HD? Tired of not being able to afford to buy car insurance? Your situation is no different than millions of other consumers. Companies like Allstate and Progressive persitently shower you with TV and radio ads and it is difficult to see past the corporate glitz and find the best price available.

It’s a good habit to do rate comparisons once or twice a year because rates tend to go up over time. If you had the best price for SilveradoHD insurance a year ago other companies may now be cheaper. There is a lot of wrong information about car insurance online, so we’re going to give you some great ways to stop overpaying for insurance.

If you have insurance now or need new coverage, you can learn to reduce the price you pay and possibly find even better coverage. Finding the best rates is not that difficult. Consumers only need to know the tricks to compare company rates on the web.

Don’t miss out on these six money-saving discounts

Insuring your fleet can be pricey, but there could be available discounts to reduce the price significantly. A few discounts will automatically apply when you purchase, but a few need to be specifically requested in order for you to get them. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Organization Discounts – Belonging to a professional or civic organization could qualify you for a break when buying insurance coverage for SilveradoHD insurance.
  • Military Rewards – Having a family member in the military can result in better rates.
  • Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% for SilveradoHD insurance with a few insurance coverage companies.
  • Low Mileage – Keeping the miles down on your Chevy can qualify you for lower rates on the low mileage vehicles.
  • Save over 55 – Mature drivers may be able to get a small decrease in premiums for SilveradoHD insurance.
  • Multiple Vehicles – Insuring multiple vehicles with the same company can get a discount on all vehicles.

Keep in mind that most discount credits are not given to your bottom line cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, it doesn’t quite work that way. Any amount of discount will help reduce your overall premium however.

For a list of companies with discount insurance coverage rates, click here.

How to Get Cheap Auto Insurance

Performing a rate comparison can be challenging if you don’t understand the most efficient way. You can spend your afternoon driving to insurance companies in your area, or you could use the internet to get rates in a matter of minutes.

Most car insurance companies are enrolled in a marketplace where insurance shoppers send in one quote, and each company returns a rated price based on that information. This system prevents you from having to do quotation requests to each company.

To submit your quote information now, click here to start a free quote.

One minor caviat to doing it this way is you don’t know exactly the insurers to get pricing from. If you wish to select individual companies for rate comparison, we have a page of low cost auto insurance companies in your area. Click to view list.

Whichever method you choose, ensure you’re using identical deductibles and coverage limits for each price quote. If each company quotes different liability limits then you won’t be able to make an equal comparison.

Do I need special coverages?

When it comes to buying the right insurance coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. These are some specific questions can aid in determining if your situation will benefit from professional help.

  • Is my dog or cat covered if injured in an accident?
  • What discounts do I qualify for?
  • How do I file an SR-22 for a DUI in my state?
  • Which companies will insure high-risk drivers?
  • Does my 2013 Chevy Silverado 3500HD need full coverage?
  • Can I rent a car in Mexico?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

What auto insurance coverages do you need?

Understanding the coverages of auto insurance aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages offered by auto insurance companies.

Medical expense insurance – Med pay and PIP coverage kick in for short-term medical expenses for chiropractic care, funeral costs, nursing services and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hail damage, damage from a tornado or hurricane, hitting a deer, damage from getting keyed and damage from flooding. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverage – Liability coverage provides protection from damage or injury you incur to a person or their property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like structural damage, pain and suffering, attorney fees, repair costs for stationary objects and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Collision coverage – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as colliding with a tree, scraping a guard rail, crashing into a building and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Chevy Silverado 3500HD.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits do not exceed the liability coverage limits.

Be Smart and Buy Smart

Budget-conscious 2013 Chevy Silverado 3500HD insurance is attainable both online and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. Some insurance providers may not provide online price quotes and these regional insurance providers work with independent agents.

You just learned quite a bit of information on how to save on insurance. The most important thing to understand is the more times you quote, the higher the chance of saving money. Consumers may even find the most savings is with the least-expected company. Regional companies may cover specific market segments cheaper than the large multi-state companies such as State Farm or Progressive.

As you restructure your insurance plan, make sure you don’t buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped full coverage to discover at claim time that the few dollars in savings costed them thousands. Your goal should be to find the BEST coverage at a price you can afford, not the least amount of coverage.

Much more information about car insurance is located at the links below