2018 Chevrolet Silverado 3500HD Car Insurance Quotes – 5 Tricks for Best Rates

Searching for lower insurance coverage rates for your Chevrolet Silverado 3500HD? Perplexed by the wide range of insurance coverage sources available to you? You have so many sources available that it can really be a big hassle to find the best insurance coverage rates.

If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these techniques. The purpose of this article is to familiarize you with how to effectively get price quotes and some tips to save money. Nevertheless, consumers must know the methods companies use to determine prices and use this information to your advantage.

More discounts mean cheap premiums

Insurance is not an enjoyable expense, but there may be some discounts to reduce the price significantly. Most are applied at quote time, but once in a while a discount must be inquired about in order for you to get them.

• Membership in Organizations – Having an affiliation with specific professional or occupational memberships or organizations could qualify you for a break on insurance.
• Accident Waiver – but some insurance companies may permit one accident before hitting you with a surcharge so long as you are claim-free prior to being involved in the accident.
• Distant Student Discount – Older children living away from home attending college without a vehicle on campus could qualify for this discount.
• Claim-Free Discount – Good drivers with no accidents have much lower rates when compared with policyholders that have many claims.
• Save with More Vehicles Insured – Buying a policy with multiple vehicles on one policy can reduce the rates for all insured vehicles.

A quick disclaimer, some of the credits will not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. But any discount will reduce your insurance premiums.

Large insurance companies and some of their more popular discounts are included below.

• 21st Century discounts include defensive driver, 55 and older, driver training, early bird, theft prevention, automatic seat belts, and teen driver.
• Progressive offers discounts for online quote discount, multi-vehicle, multi-policy, good student, homeowner, continuous coverage, and online signing.
• State Farm policyholders can earn discounts including student away at school, safe vehicle, good student, multiple policy, good driver, defensive driving training, and accident-free.
• Nationwide has savings for easy pay, business or organization, good student, anti-theft, and accident-free.
• Esurance offers discounts including emergency road assistance, online shopper, online quote, DriveSense, and defensive driver.
• The Hartford includes discounts for vehicle fuel type, bundle, driver training, air bag, anti-theft, and defensive driver.

It’s a good idea to ask each insurance company which credits you are entitled to. Some discounts may not apply to policyholders in your area. If you would like to view insurance companies who offer discounts, click here.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Buyer beware of auto insurance advertising tricks

Companies like Allstate, Geico and Progressive seem to constantly run television and radio advertisements. They all seem to convey the message that you can save if you switch to their company. It sounds good, but how can they all save you money? It’s all in the wording.

All the different companies look for specific characteristics for the type of driver that will most likely be profitable. For instance, this type of driver might be over the age of 50, insures multiple vehicles, and has great credit. A customer getting a price quote who matches those parameters receives the best rates and will pay quite a bit less when switching companies.

Drivers who fall outside this ideal profile may be required to pay a higher premium and this results in the customer buying from a different company. The ads state “customers who switch” not “everyone that quotes” can get the lowest rates when switching. This is how insurance companies can confidently make it sound like they have such great car insurance rates.

This illustrates why you really should get insurance coverage quotes from several different companies. It’s just not possible to know which insurance companies will fit your personal profile best.

It’s not one size fits all

When it comes to buying the best insurance coverage coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique.

These are some specific questions can aid in determining whether or not you might need an agent’s assistance.

• Should I buy full coverage?
• Is my dog or cat covered if injured in an accident?
• Does car insurance cover theft of personal property?
• Will I lose any money if I cancel my policy before it expires?
• What is the minimum liability in my state?
• What if I total my 2018 Chevy Silverado 3500HD and owe more than it’s worth?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form.

Auto insurance policy specifics

Knowing the specifics of auto insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

Comprehensive auto coverage

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

Comprehensive coverage protects against claims like hail damage, theft and hitting a bird. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as dental work, pain medications and surgery. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Liability coverage

Liability insurance protects you from injuries or damage you cause to other people or property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability can pay for things such as attorney fees, repair costs for stationary objects, loss of income, medical expenses and funeral expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Auto collision coverage

Collision insurance will pay to fix damage to your Silverado 3500HD from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like hitting a parking meter, scraping a guard rail, rolling your car, sideswiping another vehicle and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Chevy Silverado 3500HD.

Due to the fact that many drivers only carry the minimum required liability limits, 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 these coverages are set the same as your liablity limits.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Save your hard earned cash

Low-cost 2018 Chevy Silverado 3500HD insurance is attainable online and from local agencies, so you need to quote insurance coverage with both to have the best rate selection. Some companies do not offer rates over the internet and many times these small, regional companies provide coverage only through independent insurance agents.

We just presented quite a bit of information on how to lower your 2018 Chevy Silverado 3500HD insurance rates. The key thing to remember is the more companies you get auto insurance rates for, the more likely it is that you will get a better rate. Consumers may even find the lowest priced car insurance comes from the smaller companies.

As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. In many instances, an insured cut physical damage coverage only to regret they didn’t purchase enough coverage. Your goal is to buy the best coverage you can find at the best price while not skimping on critical coverages.

More information can be found on the following sites:

• Distracted Driving Extends Beyond Texting (State Farm)
• Who Has Cheap Auto Insurance for a Chevrolet Silverado in Kansas City? (KCAutoGuard.com)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Coverage Information (Progressive Insurance)
• Insuring a Leased Car (Insurance Information Insitute)
• Bodily Injury Coverage (Liberty Mutual)
• Electronic Stability Control FAQ (iihs.org)

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption