Cheaper 2015 Chevrolet Silverado 3500HD Car Insurance Rates

Purchasing low-cost insurance coverage online may be challenging for people who are new to price shopping online. Since there are so many online companies, how can anyone have a chance to compare every one to find the cheapest rates?

Consumers need to check insurance coverage prices once or twice a year since rates are constantly changing. Despite the fact that you may have had the best rates on SilveradoHD insurance a few years ago you will most likely find a better rate today. Starting right now, forget anything you know (or think you know) about insurance coverage because it’s time to teach you one of the quickest ways to properly buy coverages and cut your premium.

Cheap Car Insurance Comparisons

Effectively comparing car insurance prices can be exhausting if you don’t utilize the most efficient way. You can waste hours driving to insurance agencies in your area, or you can utilize online quoting to get prices fast.

All the larger companies participate in an industry program that allows shoppers to enter their coverage request one time, and every company then gives them pricing based on that data. This eliminates the need for quote requests for each company.

To access this free quoting program, click to open in new window.

One minor caviat to comparing rates this way is that you can’t choose which carriers to receive prices from. If you would rather choose from a list of companies to compare rates, we put together a list of the cheapest car insurance companies in your area. Click to view list.

It’s up to you which method you use, but be sure to compare apples-to-apples information for each price quote. If you compare different liability limits it will be very difficult to determine the lowest rate for your Chevy Silverado 3500HD. Slightly different insurance coverages could mean much higher rates. And when quoting car insurance, remember that obtaining a wide range of quotes provides better odds of finding a lower rate.

Discounts on 2015 Chevy Silverado 3500HD insurance

Car insurance companies do not list all their discounts very well, so we researched both the well known and also the lesser-known ways to save on insurance.

  • Paperless Signup – A few companies will give a small break simply for signing digitally online.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.
  • Clubs and Organizations – Belonging to certain professional organizations may earn a discount on insurance on SilveradoHD insurance.
  • Safety Course Discount – Successfully completing a course in driver safety could save 5% or more if you qualify.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can get savings of up to 25% or more.
  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Lower Rates for Military – Having a family member in the military could mean lower rates.
  • Low Mileage – Fewer annual miles on your Chevy could be rewarded with lower rates on the low mileage vehicles.
  • Drivers Education – Have your child complete a driver education course in high school.

Keep in mind that most credits do not apply the the whole policy. Some only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like you can get free auto insurance, you won’t be that lucky.

Car insurance companies that may have some of the above discounts include:

Before buying, ask each insurance company what discounts are available to you. Some discounts might not be offered everywhere.

Tailor your coverage to you

When choosing the best car insurance coverage for your personal vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine if your situation might need professional guidance.

  • If I drive on a suspended license am I covered?
  • Exactly who is provided coverage by my policy?
  • Do I have coverage for damage caused while driving under the influence?
  • I have a DUI can I still get coverage?
  • What is the difference between comprehensive and collision coverage?
  • Is my babysitter covered when using my vehicle?
  • Will filing a claim cost me more?
  • Am I covered if I crash into my own garage door?
  • Does my policy cover me when driving someone else’s vehicle?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Educate yourself about insurance coverages

Knowing the specifics of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

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

Comprehensive can pay for claims such as damage from flooding, hitting a deer, a tree branch falling on your vehicle, damage from a tornado or hurricane and a broken windshield. The maximum amount a 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 coverage – This coverage protects you from damages or injuries you inflict on other people or property in an accident. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things such as attorney fees, medical expenses and medical services. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Collision – Collision insurance pays for damage to your Silverado 3500HD caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with another moving vehicle, driving through your garage door, sideswiping another vehicle and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Chevy Silverado 3500HD.

Due to the fact that many drivers only carry the minimum required liability 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.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for expenses like rehabilitation expenses, prosthetic devices, hospital visits, funeral costs and EMT expenses. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible