Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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Looking for the cheapest auto insurance rates for your Chevrolet Silverado 3500? Are you sick and tired of sacrificing other expenses to keep your car insured? You have the same problem as many other consumers. Companies like State Farm, Farmers Insurance, GEICO and Allstate all promote huge savings with ads and consumers find it hard to separate fact from fiction and take the time to shop coverage around.

If you have a policy now or are looking for a new policy, you can use these techniques to get lower rates and possibly find even better coverage. Choosing the best insurance company for you is not rocket science. Vehicle owners just need to understand the most effective way to compare company rates online.

Do you qualify for discounts?

The cost of insuring your cars can be expensive, but you might be missing out on some discounts to cut the cost considerably. Some discounts apply automatically when you get a quote, but a few must be specifically requested before you will receive the discount.

  • Multiple Vehicles – Buying a policy with multiple cars or trucks on one policy qualifies for this discount.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes have fewer accidents so you can save 10 percent or more.
  • Driver’s Education for Students – Have your child sucessfully take a drivers education course as it can save substantially.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same company you could earn a discount of up to 20% off your total premium.
  • Low Miles Discount – Driving less may enable drivers to earn better insurance coveragerates on cars that stay parked.
  • No Claims – Insureds who avoid accidents and claims pay less in comparison to bad drivers.

Drivers should understand that many deductions do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like comprehensive or collision. Despite the fact that it seems like all the discounts add up to a free policy, you’re out of luck. But any discount should help reduce your policy cost.

A list of insurance coverage companies and a selection of discounts can be read below.

  • State Farm may include discounts for safe vehicle, good student, multiple autos, multiple policy, good driver, and anti-theft.
  • Farmers Insurance may have discounts that include mature driver, early shopping, electronic funds transfer, multi-car, homeowner, teen driver, and youthful driver.
  • GEICO offers premium reductions for defensive driver, multi-policy, multi-vehicle, daytime running lights, and federal employee.
  • American Family has discounts for TimeAway discount, defensive driver, air bags, good student, bundled insurance, and good driver.
  • Nationwide discounts include multi-policy, business or organization, easy pay, good student, defensive driving, family plan, and anti-theft.
  • Progressive may offer discounts for online quote discount, multi-vehicle, multi-policy, continuous coverage, and good student.

Before buying, ask every company to give you their best rates. All car insurance discounts may not be offered everywhere. To find insurers that offer discounts, click here.

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

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Don’t assume everyone needs the same insurance coverage

When it comes to buying the best insurance coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if you may require specific advice.

  • Is other people’s property covered if stolen from my vehicle?
  • Are all vehicle passengers covered by medical payments coverage?
  • Are rental cars covered under my policy?
  • Can I afford to pay high deductible claims out of pocket?
  • How much can I save by bundling my policies?
  • Do I need motorclub coverage?
  • Am I covered if I break a side mirror?
  • Does my 2001 Chevy Silverado 3500 qualify for pleasure use?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Don’t believe everything you hear

Consumers constantly see and hear ads that promise big savings for switching from the likes of GEICO, State Farm and Progressive. They all advertise claims about saving some big amount if you change to them.

It sounds good, but how can they all offer drivers better rates? This is the way they can do it.

Many companies give the cheapest rates for the driver that will be a good risk. One example of a desirable risk could be a married male, has other policies, and drives newer vehicles. Someone who matches those parameters receives the best auto insurance rates and will also save a lot if they switch.

Insureds who don’t qualify for those criteria may receive a more expensive rate and this results in the customer not purchasing. The trick is to say “people who switch” but not “all drivers who get quotes” save money. This is how insurance companies can make those claims. This emphasizes why drivers should do a quote comparison often. It is impossible to predict the company that will have the best auto insurance rates for your profile.

Detailed coverages of your insurance policy

Learning about specific coverages of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages found on most insurance policies.

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Chevy Silverado 3500.

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. This is the reason having UM/UIM coverage is very important.

Liability car insurance

Liability insurance can cover injuries or damage you cause to people or other property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for 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 limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability insurance covers things such as court costs, repair bills for other people’s vehicles, loss of income, medical services and pain and suffering. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from flooding, a tree branch falling on your vehicle and a broken windshield. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as nursing services, chiropractic care, doctor visits, EMT expenses and surgery. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Collision coverage protection

This coverage will pay to fix damage to your Silverado 3500 from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like damaging your car on a curb, sideswiping another vehicle, scraping a guard rail and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

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

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Have the Midas touch

As you prepare to switch companies, it’s not a good idea to buy less coverage just to save a little money. There are too many instances where an insured dropped liability coverage limits only to discover later they didn’t have enough coverage. Your focus should be to find the BEST coverage at a price you can afford, but don’t skip important coverages to save money.

We just covered many ideas to shop for 2001 Chevy Silverado 3500 insurance online. The most important thing to understand is the more times you quote, the higher your chance of finding cheap insurance coverage. You may be surprised to find that the most savings is with a small mutual company. Regional companies often have lower auto insurance rates on specific markets than the large multi-state companies such as Allstate and Progressive.

The cheapest 2001 Chevy Silverado 3500 insurance can be sourced online and from local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies may not offer price quotes online and usually these small insurance companies prefer to sell through local independent agencies.

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