View 2017 Chevrolet Silverado 3500HD Car Insurance Rates

Finding cheaper insurance for your Chevy Silverado 3500HD could be a painful process, but you can use a few tricks and make it easy.

There is a better way to compare insurance rates and we’ll show you the absolute fastest way to quote coverages for a new or used Chevy and find the lowest price from local insurance agents and online providers.

It’s a good habit to do price comparisons periodically since insurance prices are adjusted regularly by insurance companies. If you had the lowest rates on SilveradoHD insurance on your last policy there may be better deals available now. Forget anything you know (or think you know) about insurance because you’re about to learn how to quote online to save on insurance.

How to buy insurance coverage

Getting cheaper 2017 Chevy Silverado 3500HD insurance coverage pricing can be relatively painless. All that’s required is to spend a few minutes on the computer comparing rates to find out which insurance company has affordable insurance coverage quotes. It’s really simple and can be done in several different ways.

• The most recommended method to get quotes for comparison is to use a rate comparison form click to view form in new window. This method eliminates the need for separate quotes for each company. Filling out one form gets you price quotes from all major companies. This is perfect if you don’t have a lot of time.
• A more difficult way to shop for insurance coverage online is spending the time to visit each company website and fill out a new quote form. For sake of this example, we’ll assume you need rates from State Farm, Allstate and Travelers. To do that, you would have to spend time on each company’s site and repeatedly enter your information, which can get old fast. To view a list of companies in your area, click here.
• If you have time to kill, the last way to find and compare rates is making phone calls or going to different agent offices. Comparing rates online can eliminate the need for a local agent unless you have a complicated situation and need the guidance of a licensed agent. It is possible with some companies compare the best prices online and still use a local agent.

You can use whichever method you prefer to find lower rates, just make sure you compare nearly identical deductibles and coverage limits on every quote you get. If your comparisons have higher or lower deductibles you will not be able to determine the lowest rate for your Chevy Silverado 3500HD.

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Cheaper rates with these insurance discounts

Car insurance companies don’t always list all possible discounts in a way that’s easy to find, so the next list breaks down some of the more common and also the more inconspicuous credits available to bring down your rates.

• Include Life Insurance and Save – Select insurance carriers reward you with a discounted price on car insurance if you buy a life policy as well.
• Paperless Signup – Some of the larger companies will discount your bill up to fifty bucks for buying your policy on the internet.
• Driver Safety – Participating in a defensive driving course can save you 5% or more if you qualify.
• Discount for New Cars – Adding a new car to your policy may earn a small discount since newer models are generally safer.
• Anti-theft System – Vehicles optioned with advanced anti-theft systems are stolen less frequently so companies will give you a small discount.
• Student in College – College-age children who live away from home at college and won’t have access to an insured vehicle can receive lower rates.
• Low Mileage Discounts – Fewer annual miles on your Chevy can qualify you for cheaper rates.

A quick disclaimer, most discount credits are not given to all coverage premiums. Most only apply to the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like you would end up receiving a 100% discount, you aren’t that lucky.

Companies that have most of the discounts above possibly include:

• Esurance
• The Hartford
• AAA
• Geico
• State Farm

When quoting, ask each company or agent which discounts can lower your rates. Some of the discounts discussed earlier might not be offered in every state. To locate companies offering insurance discounts, click here.

Car insurance can get complicated

When buying adequate coverage, there really is not a best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that can help discover whether or not you would benefit from professional advice.

• Am I covered if my car is in a flood?
• Why do I only qualify for high-risk insurance?
• How high should deductibles be on a 2017 Chevy Silverado 3500HD?
• Am I better off with higher deductibles on my 2017 Chevy Silverado 3500HD?
• Does my policy pay for OEM or aftermarket parts?
• Do I need PIP (personal injury protection) coverage in my state?
• Are my tools covered if they get stolen from my vehicle?
• Will my rates increase for filing one claim?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

How your Silverado 3500HD insurance rates are determined

One of the most helpful ways to save on auto insurance is to to have a grasp of the factors that come into play when calculating the level of your policy premiums. If you have a feel for what determines base rates, this helps enable you to make changes that may reward you with better auto insurance rates. Many different elements are considered when quoting car insurance. Some are pretty understandable such as traffic violations, but some are less apparent like your vehicle usage or your vehicle rating.

• Do you work long hours in a stressful employer? – Jobs like lawyers, executives and financial analysts usually pay the highest average rates attributed to stressful work requirements and lots of time spent at work. Other careers such as farmers, students and the unemployed generally pay rates lower than average on SilveradoHD insurance.
• Rates increase with driving citations – Only having one ticket can bump up the cost twenty percent or more. Drivers with clean records get better prices than their less careful counterparts. Drivers with multiple violations such as DWI, reckless driving or hit and run convictions may face state-mandated requirements to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to keep their license.
• Drive less and save – The more you drive in a year’s time the higher your rates will be. The majority of insurers charge to insure your cars based upon how the vehicle is primarily used. Cars that have low annual miles can get a lower rate than vehicles that are driven to work every day. Double check that your auto insurance coverage correctly shows how each vehicle is driven, because improper ratings can cost you money. Improper usage on your Silverado 3500HD can result in significantly higher rates.
• Premiums for men may be higher – Over the last 50 years, statistics have shown that women are safer drivers than men. This data doesn’t prove that males are worse at driving than females. Both genders have accidents in similar percentages, but males tend to have more serious accidents. They also get ticketed for serious violations such as reckless driving.
• If you don’t need it don’t buy it – Insurance companies have many add-on coverages that can add up if you aren’t diligent. Add-on coverages like vanishing deductibles, death and dismemberment, and additional equipment coverage may be wasting your money. They may sound like good ideas when talking to your agent, but now you might not need them so remove them and pocket the money.
• Safer cars are cheaper to insure – Vehicles with high crash test scores tend to have better insurance rates. Vehicles engineered for safety reduce occupant injuries and any reduction in injury severity means less money paid by your insurance company which can result in lower premiums.
• Having a spouse brings a discount – Having a wife or husband may earn you lower rates compared to being single. Marriage is viewed as being more mature and it’s statistically proven that married couples file fewer claims.
• Multiple policies with one company – The majority of insurance companies will give a discount to insureds that have more than one policy such as combining an auto and homeowners policy. The amount of the discounts can be five, ten or even twenty percent. Even if you already get this discount, it’s still a good idea to compare other insurance prices to verify if the discount is saving money.

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Coverage specifics

Learning about specific coverages of your auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

Collision – This pays for damage to your Silverado 3500HD from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as backing into a parked car, damaging your car on a curb, crashing into a ditch and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Comprehensive coverage – Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like a broken windshield, hitting a deer, theft and vandalism. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

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. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for surgery, pain medications, hospital visits, EMT expenses and doctor visits. They can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability – Liability coverage will cover injuries or damage you cause to other’s property or people in an accident. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

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 policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as pain and suffering, repair bills for other people’s vehicles, medical services, structural damage and loss of income. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Coverage on a shoestring budget

In this article, we presented a lot of techniques to lower your 2017 Chevy Silverado 3500HD insurance rates. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting low cost insurance coverage. You may be surprised to find that the best price on auto insurance is with a lesser-known regional company.

When you buy insurance coverage online, make sure you don’t sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed uninsured motorist or liability limits and learned later that their decision to reduce coverage ended up costing them more. The goal is to get the best coverage possible at the lowest possible cost.

Drivers leave their current company for a number of reasons such as not issuing a premium refund, policy non-renewal, being labeled a high risk driver or high rates after DUI convictions. Regardless of your reason for switching companies, finding the right auto insurance provider can be pretty painless.

More tips and info about auto insurance is located in the articles below:

• What to do at the Scene of an Accident (Insurance Information Insitute)
• Who Has Cheap Auto Insurance for a Chevrolet Silverado in Boston? (BostonAutoGuard.com)
• Safe Vehicles for Teens (iihs.org)
• Teen Driving Statistics (Geico)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)

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