View 2017 Chevrolet Silverado 1500 Car Insurance Quotes

Want the cheapest insurance rates? Drivers have lots of choices when trying to find affordable Chevy Silverado 1500 insurance. They can either waste time struggling with agents to compare prices or save time using the internet to get rate quotes. There is a better way to compare insurance rates and you need to know the best way to price shop coverage for a Chevy and locate the best price possible from local insurance agents and online providers.

Free car insurance quotes

Finding low cost car insurance quotes can be relatively painless. Drivers just need to take a few minutes to compare free insurance quotes from different insurance companies. Price comparisons can be done in a couple of different ways.

1. One of the best ways to find low rates is a comparison rater form like this one (opens in new window). This quick form saves time by eliminating repetitive form entry for each company. One form gets rate comparisons from many national carriers. Recommended for those who want to invest the least amount of time.
2. A different way to shop for car insurance online is going to the website for each individual company and fill out a new quote form. For example, we’ll assume you need rates from Progressive, Farmers and Allstate. To do that, you would have to spend time going to each site individually and type in your information over and over, which is why the first method is quicker.

   For a handy list of car insurance company links in your area, click here.

3. The final way to get rate quotes is to spend time driving to different agent offices. Shopping for car insurance online eliminates the need for an insurance agent unless you have a complicated situation and need the professional abilities of a licensed agent. Some companies do allow you to compare online quotes but have your policy serviced through an agent.

Whichever way you choose to compare rates, be certain you are entering equivalent coverage limits and deductibles for each comparison quote. If your comparisons have different liability limits it will be next to impossible to get a fair rate comparison.

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Find hidden discounts to get affordable insurance rates

Some providers don’t necessarily list every policy discount very clearly, so below is a list some of the more common in addition to some of the lesser obvious credits that may apply to you.

• Distant College Student Discount – College-age children who attend college more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
• Smart Student Discounts – Maintaining excellent grades can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
• Defensive Driver – Participating in a driver safety class could cut 5% off your bill if your company offers it.
• Anti-theft System – Anti-theft and alarm system equipped vehicles can help prevent theft and can earn a small discount on your policy.
• Passenger Safety Discount – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts of 25 to 30%.
• Telematics Devices – Insureds who allow driving data collection to scrutinize driving manner through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they exhibit good driving behavior.
• Multi-line Discount – Some insurance companies give a lower insurance rate if you buy a life insurance policy as well.
• Savings for New Vehicles – Buying a new car model can get you a discount since new vehicles are generally safer.

One thing to note about discounts is that most discount credits are not given to your bottom line cost. Most only reduce the cost of specific coverages such as comp or med pay. Even though it appears it’s possible to get free car insurance, you won’t be that lucky.

Companies that may offer many of the previously listed discounts are:

• Geico
• SAFECO
• State Farm
• MetLife
• 21st Century
• Progressive

It’s a good idea to ask each company which credits you are entitled to. Depending on the company, some discounts might not be offered in your area. To view providers who offer online insurance quotes, click here to view.

Tailor your car insurance coverage to you

When it comes to choosing coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that may help you determine whether you would benefit from an agent’s advice.

• Does car insurance cover theft of personal property?
• When can I cancel my policy?
• Do I pay less for low miles?
• Do I have any recourse if my insurance company denies a claim?
• Am I covered when driving a rental car?
• Does my policy cover my teen driver if they drive my company car?
• How can I force my company to pay a claim?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

What determines Chevy Silverado 1500 insurance costs?

Part of the auto insurance buying process is learning a few of the rating criteria that help calculate the price you pay for auto insurance. If you have a feel for what determines base rates, this allows you to make educated decisions that may reward you with much lower annual insurance costs.

The list below includes some of the most rate-impacting factors used by your company to calculate your rates.

• Your vocation can affect auto insurance rates – Jobs like doctors, social workers and dentists tend to have higher premiums than the average policyholder because of intense work requirements and lots of time spent away from family. Conversely, occupations like actors, historians and the unemployed have lower than average premiums for Silverado coverage.
• Get hitched and pay lower rates – Having a wife or husband may cut your premiums compared to being single. Having a significant other means you’re more stable financially and it’s proven that drivers who are married file infrequent claims.
• Inexpensive frequent auto insurance claims are not good – If you frequently file small claims, you can expect higher rates. Insurance companies provide discounts to people that do not abuse their auto insurance. Your insurance policy is designed for more catestrophic claims.
• High deductibles lower costs – Comprehensive and collision coverage deductibles define how much you are required to spend if you file a covered claim. Physical damage protection, also called ‘full coverage’, covers damage that occurs to your car. Examples of some claims that would be covered are collision with another vehicle, damage from fire, or theft of your vehicle. The more money you are required to pay out-of-pocket, the less your company will charge you for insurance for Silverado coverage.

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Is there truth in advertising?

Drivers can’t get away from ads that claim the cheapest rates by companies like State Farm, Allstate and Geico. They all convey the message of big savings just by moving your policy.

How is it plausible that every one can charge lower premium rates? It’s all in how they say it.

Companies can use profiling for the type of driver that will be a good risk. One example of this type of risk profile might have to be a mature driver, has few claims, and drives a safe vehicle. Any new insured who fits that profile gets the lowest premium rates as well as save if they switch.

Drivers who don’t meet these stringent criteria will be quoted higher rates which translates to the prospect going elsewhere. If you listen closely, the ads state “people who switch” but not “all drivers who get quotes” will save that much if they switch. That’s why companies can truthfully advertise the savings. Each company has different criteria, so you should get as many free insurance quotes as possible. Because you cannot predict which auto insurance company will have the best premium rates.

Car insurance coverage options for a 2017 Chevy Silverado 1500

Learning about specific coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Silverado 1500.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for expenses for ambulance fees, funeral costs, hospital visits, rehabilitation expenses and prosthetic devices. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision insurance pays for damage to your Silverado 1500 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 insurance covers claims such as sustaining damage from a pot hole, rolling your car, crashing into a building, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Comprehensive car insurance

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

Comprehensive can pay for things such as rock chips in glass, theft, a tree branch falling on your vehicle, fire damage and hitting a deer. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverages

This will cover damages or injuries you inflict on a person or their property in an accident. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

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. You commonly see limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as funeral expenses, bail bonds, emergency aid and repair costs for stationary objects. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Cheaper insurance is a realistic goal

Consumers change insurance companies for many reasons like delays in responding to claim requests, policy cancellation, an unsatisfactory settlement offer or extreme rates for teen drivers. Whatever your reason, finding the right car insurance provider is actually quite simple.

When getting insurance quotes online, never buy poor coverage just to save money. In too many instances, someone sacrificed comprehensive coverage or liability limits and learned later that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase plenty of coverage at the best possible price while not skimping on critical coverages.

We’ve covered many ideas to shop for 2017 Chevy Silverado 1500 insurance online. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding cheaper insurance. Drivers may discover the lowest priced car insurance comes from a smaller regional carrier.

Other resources

• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Who Has the Cheapest Auto Insurance Quotes for a Chevrolet Silverado in Fresno? (InsureFresno.com)
• Credit Impacts Car Insurance Rates (State Farm)
• Neck Injury FAQ (iihs.org)
• Electronic Stability Control FAQ (iihs.org)

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