View 2016 Chevrolet Silverado 1500 Insurance Quotes

Locating cheaper insurance for your Chevy Silverado 1500 can normally be difficult, but you can learn the following methods to save time.

There are both good and bad ways to shop for insurance coverage so you’re going to learn the absolute fastest way to quote coverages on a Chevy and find the best price possible either online or from local insurance agents.

The best way to compare car insurance company rates is to know most larger insurance companies provide online access to provide you with free rate quotes. The only thing you need to do is spend a couple of minutes providing details like if you are currently licensed, if it has an anti-theft system, distance driven, and whether you are single or married. Your rating data is automatically sent to many different companies and you should receive rate quotes very quickly.

To start a quote now, click here and enter your zip code.

Get lower rates by taking advantage of discounts

Some providers don’t necessarily list every discount they offer very well, so we took the time to find a few of the more common in addition to some of the lesser obvious credits that you can use to lower your rates.

  • College Student – Children who are enrolled in higher education away from home and don’t have a car can be insured at a reduced rate.
  • Discounts for New Vehicles – Buying a new car instead of a used car can get you a discount because newer models are generally safer.
  • Drive Less and Save – Low mileage vehicles can earn discounted premium rates on garaged vehicles.
  • Driver’s Ed – Reduce the cost of insurance for teen drivers by having them take driver’s ed class as it will make them better drivers and lower rates.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
  • Passive Restraint Discount – Vehicles with factory air bags may earn rate discounts as much as 30%.
  • Discount for Life Insurance – Select car insurance companies reward you with a discounted premium rate on car insurance if you buy life insurance from them.
  • Bundle and Save – If you can combine your auto and home policy and insure them both with the same insurance company you could earn a discount of approximately 10% to 15%.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like adding up those discounts means a free policy, car insurance companies aren’t that generous.

Large car insurance companies and some of their more popular discounts can be read below.

  • 21st Century offers premium reductions for defensive driver, air bags, anti-lock brakes, homeowners, student driver, and driver training.
  • Progressive policyholders can earn discounts including multi-vehicle, online quote discount, online signing, multi-policy, homeowner, and good student.
  • State Farm has savings for good driver, student away at school, Steer Clear safe driver discount, accident-free, multiple policy, and safe vehicle.
  • Nationwide has discounts for business or organization, easy pay, accident-free, Farm Bureau membership, and multi-policy.
  • Esurance discounts include claim free, Pac-12 alumni, online shopper, emergency road assistance, anti-theft, and paid-in-full.
  • The Hartford may include discounts for anti-theft, good student, bundle, vehicle fuel type, and driver training.

Before buying, ask each insurance company to apply every possible discount. Discounts may not be offered in your area.

How much insurance do I need?

When it comes to buying coverage, there really is not a “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that might point out whether you will benefit from professional help.

  • What if I owe more than I can insure my car for?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Should I rate my 2016 Chevy Silverado 1500 as pleasure use or commute?
  • Is a new car covered when I drive it off the dealer lot?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Why do I only qualify for high-risk insurance?
  • Is there coverage for injuries to my pets?
  • If I drive on a suspended license am I covered?
  • Is my Chevy Silverado 1500 covered if I use it for business?

If you can’t answer these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

What insurance coverages do you need?

Knowing the specifics of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Chevy Silverado 1500.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually these coverages do not exceed the liability coverage limits.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like X-ray expenses, EMT expenses, hospital visits and surgery. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability auto insurance

Liability coverage can cover damage or injury you incur to other’s property or people that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things like repair bills for other people’s vehicles, funeral expenses and structural damage. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

This coverage pays for damage to your Silverado 1500 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 insurance covers claims such as hitting a mailbox, crashing into a ditch and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like vandalism, a tree branch falling on your vehicle, fire damage, damage from flooding and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Quote often and quote early

Throughout this article, we presented some good ideas how you can shop for 2016 Chevy Silverado 1500 insurance online. The most important thing to understand is the more times you quote, the higher your chance of finding cheap insurance coverage. Consumers could even find that the lowest car insurance rates come from an unexpected company.

Consumers change insurance companies for any number of reasons including an unsatisfactory settlement offer, high rates after DUI convictions, questionable increases in premium and even high prices. It doesn’t matter why you want to switch switching companies can be easy and end up saving you some money.

As you shop your coverage around, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many situations where someone sacrificed comprehensive coverage or liability limits only to find out that the small savings ended up costing them much more. The goal is to buy enough coverage at the best possible price, not the least amount of coverage.

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