2018 Chevrolet Silverado 3500HD Car Insurance Cost

Searching for cheaper car insurance rates for your Chevrolet Silverado 3500HD? Shopping for inexpensive insurance can seem complicated if you’re new to online price comparisons. But don’t let that discourage you because finding better prices is easier than you think.

It’s a great practice to check car insurance prices quite often because car insurance prices change frequently. Despite the fact that you may have had the lowest price for SilveradoHD coverage a couple years back other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because you’re going to learn the best methods to lower your annual insurance bill.

You may qualify for discounts

Companies offering auto insurance don’t always publicize all possible discounts very clearly, so below is a list some of the more common and the more hidden discounts that may be available. If you don’t get every credit possible, you could be getting lower rates.

  • Smart Student Discounts – Maintaining excellent grades may save as much as 25% on a insurance quote. The discount lasts until age 25.
  • Discounts for Responsible Drivers – Insureds without accidents can save up to 40% or more on their insurance quote for SilveradoHD coverage than drivers with accidents.
  • Anti-lock Brakes – Vehicles that have steering control and anti-lock brakes are safer to drive so you can save 10 percent or more.
  • Accident Free – Insureds with no claims or accidents pay less when compared with accident-prone drivers.
  • E-sign – Certain car insurance companies may give you up to $50 for buying your policy on the internet.
  • Sign Early and Save – A few companies allow discounts for signing up before your current coverage expires. You can save around 10% with this discount.
  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles are stolen less frequently and qualify for as much as a 10% discount.
  • Senior Citizens – If you qualify as a senior citizen, you can get lower premium rates for SilveradoHD coverage.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course in school or through a local driver safety program.
  • Home Ownership Discount – Owning a house can save you money because maintaining a house requires a higher level of personal finance.

Don’t be surprised that most credits do not apply to the entire cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. Even though it appears you can get free auto insurance, nobody gets a free ride. Any qualifying discounts will definitely lower your policy premiums.

A few companies that may offer most of the discounts above are:

Before purchasing a policy, check with each company what discounts are available to you. Some credits may not be available in your state. If you would like to view providers with discount rates, click here to view.

Where can I get low cost auto insurance?

Most of the larger companies provide price estimates directly from their websites. Getting quotes is pretty easy because you just enter into the form. After you complete the form, their rating system will order credit information and your driving record and generates a price.

Being able to quote online makes it easy to compare insurance prices but the time it takes to visit different websites and type in your information is not the best way to spend an afternoon. But it’s absolutely necessary to perform this step in order to find the lowest price.

There is a better way!

The quickest way to get multiple rate quotes requires only one form to return rates from several different companies. It saves time, reduces the work, and makes price shopping online much easier. After sending the form, it gets priced with multiple companies and you can pick any one of the pricing results.

If the quotes result in lower rates, you can click and sign and buy the policy. This process only takes a few minutes and may save quite a bit of money.

To compare pricing, click here and enter your vehicle and coverage information. If you have your current policy handy, we recommend that you enter the coverages exactly as they are listed on your policy. Using the same limits helps guarantee you will get comparison quotes using the same coverage and limits.

There’s no such thing as the perfect car insurance policy

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine if your insurance needs may require specific advice.

  • Can my teen drive my company car?
  • Are my friends covered when driving my car?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered if I wreck a rental car?
  • Will my insurance pay for OEM parts?
  • Why am I required to get a high-risk car insurance policy?
  • How can I find cheaper teen driver insurance?
  • I have health insurance so do I need medical payments coverage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Car insurance 101

Learning about specific coverages of your insurance policy helps when choosing which coverages you need for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement.

Medical expense coverage – Med pay and PIP coverage provide coverage for short-term medical expenses such as ambulance fees, prosthetic devices, dental work, chiropractic care and surgery. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive protection – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, damage from a tornado or hurricane, theft and hail damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability – This coverage will cover damages or injuries you inflict on other’s property or people. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers claims such as attorney fees, repair costs for stationary objects, repair bills for other people’s vehicles and loss of income. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Chevy Silverado 3500HD.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are set the same as your liablity limits.

Collision coverages – This coverage will pay to fix damage to your Silverado 3500HD from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like hitting a mailbox, rolling your car and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Saving money is sweet as honey

We just showed you a lot of techniques to shop for 2018 Chevy Silverado 3500HD insurance online. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting the cheapest insurance. You may even find the most savings is with some of the smallest insurance companies.

Consumers leave their current company for any number of reasons including unfair underwriting practices, not issuing a premium refund, delays in responding to claim requests and poor customer service. It doesn’t matter what your reason, finding a new insurance company is easier than you think.

While you’re price shopping online, it’s a bad idea to reduce coverage to reduce premium. There are too many instances where an insured cut full coverage and learned later that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage at the best cost, not the least amount of coverage.

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