2017 Chevrolet Silverado 2500HD Insurance Rates

Want the cheapest car insurance rates for your Chevrolet Silverado 2500HD? Trying to find the cheapest insurance for a new or used Chevy Silverado 2500HD can normally be a lot of work, but you can learn these tips and make it easy.

There are more efficient ways to find car insurance online and you need to know the best way to price shop coverage for a Chevy and locate the cheapest rates from both online companies and local agents.

Auto insurance quotes comparison

Finding more affordable 2017 Chevy Silverado 2500HD auto insurance quotes can be relatively painless. You just need to take the time getting comparison quotes online with multiple companies. This is very easy and can be done using one of these methods.

Experts agree that the best way to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This easy form eliminates the need for separate quotes to each individual auto insurance company. One quote request gets coverage cost estimates from auto insurance companies with the best prices. This is perfect if you don’t have a lot of time.

A slightly less efficient method to find better pricing is going to each individual company website and go through the quote process again. For example, let’s say you want to see prices from Farmers, Allstate and Travelers. To do that, you would have to go to every website to enter the same coverage data repeatedly, which can be really labor intensive. To view a list of companies in your area, click here.

Which method you use is up to you, but double check that you are using identical deductibles and coverage limits on every quote. If you compare different deductibles you will not be able to truly determine the lowest rate.

Don’t overlook these insurance discounts

Insuring your vehicles can cost a lot, but there’s a good chance there are discounts that can help lower your rates. Certain discounts will be applied at quote time, but some discounts are required to be specifically requested before you will receive the discount.

  • Responsible Drivers – Drivers without accidents can get discounts for up to 45% lower rates on SilveradoHD coverage than their less cautious counterparts.
  • Student Discount for Driver Training – Have your child successfully complete driver’s ed class as it can save substantially.
  • Driver Safety – Passing a course in driver safety is a good idea and can lower rates depending on where you live.
  • Discount for Good Grades – Maintaining excellent grades can save 20 to 25%. Many companies even apply the discount to college students up to age 25.
  • College Student – College-age children living away from home attending college and leave their car at home could qualify for this discount.
  • Senior Citizen Discount – Older drivers may receive a discount up to 10% on SilveradoHD coverage.
  • Professional Organizations – Belonging to specific professional or occupational memberships or organizations may earn a discount when shopping for insurance.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper compared to insuring an older model.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Federal Employees – Having worked for a branch of the government may reduce rates when you quote insurance coverage on SilveradoHD coverage with a few insurance companies.

It’s important to note that most discount credits are not given to all coverage premiums. Most only apply to the price of certain insurance coverages like liability and collision coverage. Despite the fact that it seems like you could get a free insurance policy, insurance companies wouldn’t stay in business.

The best insurance companies and some of their more popular discounts are outlined below.

  • Mercury Insurance offers premium reductions for age of vehicle, type of vehicle, good student, good driver, and professional/association.
  • Farmers Insurance has savings for multi-car, bundle discounts, pay in full, teen driver, distant student, and electronic funds transfer.
  • Farm Bureau offers discounts including multi-vehicle, driver training, multi-policy, renewal discount, and 55 and retired.
  • State Farm may have discounts that include driver’s education, accident-free, safe vehicle, Drive Safe & Save, good student, and multiple policy.
  • Allstate discounts include auto/life discount, utility vehicle, safe driver, eSmart discount, and senior citizen.
  • Geico policyholders can earn discounts including driver training, five-year accident-free, good student, multi-vehicle, air bags, federal employee, and anti-theft.

When comparing rates, check with every insurance company to apply every possible discount. All car insurance discounts might not apply in your state. To locate insurance companies who offer discounts, click this link.

Informed drivers save on insurance

Smart consumers have a good feel for some of the things that are used to determine the level of your policy premiums. If you know what positively or negatively impacts your premiums, this enables you to make decisions that may result in lower car insurance prices.

  • Prices increase with policy add-ons – Policies have additional extra coverages that you can buy when buying car insurance. Add-on coverages like personal injury protection, accident forgiveness, and motor club memberships are examples of these. They may seem like a good idea when you first buy your policy, but if you don’t need them think about removing them and cutting costs.
  • Low deductibles cost more – Protection for physical damage, termed comprehensive and collision coverage on your policy, protects your Chevy from damage. Some examples of claims that would be covered are collision with another vehicle, vandalism, and having your car stolen. The deductibles you choose define how much you are willing to pay before a claim is paid by your company. The larger the amount you have to pay, the lower your rates will be on SilveradoHD coverage.
  • Safer vehicles means cheaper rates – Cars with high safety ratings cost less to insure. Vehicles built for safety result in less severe injuries and lower injury rates translates directly to fewer claims which can result in lower premiums.
  • Your job can affect car insurance rates – Careers like military generals, business owners and financial analysts generally pay the highest rates due to stressful work requirements and lengthy work days. On the other hand, occupations like actors, historians and retirees have lower than average premiums on SilveradoHD coverage.
  • Premiums drop with age – Inexperience drivers are proven to be inattentive when driving with friends therefore car insurance rates are much higher. More mature drivers are viewed as being more responsible, cost insurance companies less in claims , and usually have better credit.
  • Your liability insurance limits – Your policy’s liability coverage provides coverage if ever you are found to be at fault for an accident. It will provide legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
  • How credit rating affects car insurance prices – Your credit history will be a significant factor in determining what you pay. Insureds with high credit scores tend to be better risks to insure as compared to drivers with poor credit. Therefore, if your credit can use some improvement, you could save money insuring your 2017 Chevrolet Silverado 2500HD by repairing your credit.
  • Do you qualify for a multi-policy discount? – Lots of insurance companies will award lower prices to clients who carry more than one policy, otherwise known as a multi-policy discount. The amount of the discounts can be ten or even up to twenty percent in some cases. Even with this discount, it’s in your best interest to compare other company rates to verify if the discount is saving money.

When to get professional advice

When it comes to choosing the best auto insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover whether or not you will benefit from professional help.

  • Do I need higher collision deductibles?
  • When should I not file a claim?
  • Why am I required to get a high-risk car insurance policy?
  • What is covered by UM/UIM coverage?
  • Is my nanny covered when driving my vehicle?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is my cargo covered for damage or theft?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can help protect your family.

Information about specific coverages

Understanding the coverages of a insurance policy can help you determine the best coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Uninsured and underinsured coverage

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2017 Chevy Silverado 2500HD.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually these coverages are similar to your liability insurance amounts.

Coverage for medical payments

Med pay and PIP coverage pay for short-term medical expenses like chiropractic care, X-ray expenses, doctor visits, EMT expenses and surgery. They can be used in conjunction with a health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Comprehensive coverages

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, theft, vandalism and falling objects. The maximum amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a parking meter, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also raise the deductible to bring the cost down.

Liability auto insurance

This coverage can cover damage or injury you incur to people or other property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as repair costs for stationary objects, court costs, funeral expenses, structural damage and medical expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

A penny saved is a penny earned

Cheaper insurance is attainable from both online companies as well as from insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some companies don’t offer online price quotes and many times these small insurance companies sell through independent insurance agents.

We covered many ideas to shop for 2017 Chevy Silverado 2500HD insurance online. The key thing to remember is the more price quotes you have, the better your comparison will be. Consumers could even find that the best premium rates are with an unexpected company.

Insureds switch companies for a variety of reasons including lack of trust in their agent, poor customer service, questionable increases in premium and high rates after DUI convictions. Regardless of your reason, choosing a new company is not as difficult as it may seem.

Much more information about insurance can be read on the following sites: