2018 Chevrolet Silverado 1500 Car Insurance Cost – 10 Discounts for Cheaper Prices

Locating the cheapest insurance for your Chevy Silverado 1500 can be difficult, but you can use the following methods to make it easier.

There is a better way to find car insurance online so you’re going to learn the quickest way to price shop coverage on a Chevy and find the lowest possible price from local insurance agents and online providers.

Shopping for the best insurance coverage coverage is easy if you know what you’re doing. If you have a policy now or need new coverage, you will benefit by learning to find better prices while maximizing coverage. Drivers only need to know the tricks to get comparison rates online.

How to compare insurance quotes

Performing a rate comparison can be a lot of work if you don’t utilize the easiest way. You can spend countless hours talking about coverages with insurance companies in your area, or you could save time and use online quoting to quickly compare rates.

Most of the best insurance companies enroll in a system where prospective buyers submit their information once, and every company can give them a price based on that information. This saves time by eliminating quote forms for each company.

To find out what other companies charge click here (opens in new window).

The single downside to doing it this way is that you can’t choose the providers to get pricing from. So if you want to select specific insurance companies for rate comparison, we have assembled a list of insurance companies in your area. View list of insurance companies.

The approach you take is up to you, just compare nearly identical quote data on every quote you get. If you use higher or lower deductibles it will be impossible to decipher which rate is best.

It’s not one size fits all

When choosing proper insurance coverage, there is no single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that may help highlight if your situation might need an agent’s assistance.

• Do I really need UM/UIM coverage?
• What happens if I owe more than my 2018 Chevy Silverado 1500 is worth?
• If my pet gets injured in an accident are they covered?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Why am I be forced to buy a membership to get insurance from some companies?
• I don’t drive much so do I pay less?
• How do I file an SR-22 for a DUI in my state?
• Why is insurance for a teen driver so high?
• Do I have coverage if my license is suspended?

If you’re not sure about those questions, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

What car insurance coverages do you need?

Having a good grasp of a car insurance policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Collision coverages – This will pay to fix damage to your Silverado 1500 from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as scraping a guard rail, crashing into a building, colliding with another moving vehicle, hitting a mailbox and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Uninsured or underinsured coverage – This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your 2018 Chevy Silverado 1500.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive protection – This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as vandalism, fire damage, hail damage and falling objects. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense coverage – Med pay and PIP coverage reimburse you for short-term medical expenses for doctor visits, X-ray expenses, prosthetic devices and surgery. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Liability – Liability coverage provides protection from damages or injuries you inflict on a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as attorney fees, medical expenses and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.