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: May 20, 2018

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Did you fall for a flashy sales pitch and buy an underperforming, overpriced insurance coverage policy? Believe me, there are lots of residents who feel the same. Since drivers have many choices of insurance companies, it can be impossible to pick a more affordable insurance coverage provider.

Finding affordable coverage is not rocket science. If you currently have a car insurance policy, you will be able to cut costs considerably using these tips. Drivers just need to know how to find the lowest price over the internet.

The best way to compare car insurance rates utilizes the fact auto insurance companies provide online access to give free rates quotes. All you need to do is provide the companies a bit of rating information including what you do for a living, distance driven, if the vehicle is leased, and level of coverage desired. That rating data is then submitted to multiple companies and you should receive rate quotes instantly.

Learn how to buy insurance at a discount

Many things are considered when you quote your car insurance policy. Some are pretty understandable like your driving record, although some other factors are not as apparent such as your credit history and annual miles driven.

The items below are some of the factors companies use to determine prices.

  • High premiums for younger drivers – Older insureds tend to be more responsible, are lower risk to insure and receive fewer citations.Beginning drivers are statistically proven to get distracted easily when behind the wheel so insurance rates are higher.
  • If you don’t need it don’t buy it – There are quite a few additional extra coverages that can add up if you don’t pay attention. Insurance for replacement cost coverage, accidental death, and motor club memberships may not be needed and are just wasting money. They may seem good initially, but if you don’t need them think about removing them and cutting costs.
  • High physical damage deductibles equal low rates – Comprehensive and collision coverage deductibles are how much you are willing to pay if a claim is determined to be covered. Physical damage protection, aka comp and collision, insures against damage to your car. Some examples of claims that would be covered are collision with another vehicle, hail damage, and having a roll-over accident. The more the insured is willing to pay, the lower your rates will be on Silverado insurance.
  • Costs and your address – Living in areas with lower population can be a good thing when it comes to insurance. Fewer drivers means a lower chance of having an accident and lower theft and vandalism rates. People who live in big cities have to deal with more road rage incidents and much longer commute distances. Higher commute times means a statistically higher chance of an accident.

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

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Discounts for cheap insurance rates

Properly insuring your vehicles can get expensive, but you may qualify for discounts to reduce the price significantly. Most are applied when you quote, but lesser-known reductions have to be inquired about in order for you to get them. If you aren’t receiving every discount you qualify for, you are not getting the best rate possible.

  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle up may be able to save a few bucks off the medical payments premium.
  • Theft Prevention Discount – Cars and trucks that have factory anti-theft systems help deter theft so companies will give you a small discount.
  • Telematics Devices – Drivers that enable companies to study driving manner by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction as long as they are good drivers.
  • Auto/Home Discount – If you can combine your auto and home policy and insure them both with the same insurance company you could get a discount of at least 10% off all policies.
  • Homeowners Discount – Simply owning a home may earn you a small savings since owning and maintaining a home means you have a higher level of financial diligence.
  • Discount for Life Insurance – Select insurance companies reward you with lower insurancerates if you buy life insurance.
  • No Claims – Claim-free drivers can save substantially in comparison with drivers who are more careless.
  • Senior Discount – Seniors are able to get better insurance rates on Silverado insurance.
  • Braking Control Discount – Cars and trucks that have anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Government Employee Discount – Employees or retirees of the government could qualify for a slight premium decrease on Silverado insurance depending on your company.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Some only reduce individual premiums such as comprehensive or collision. Just because you may think you would end up receiving a 100% discount, nobody gets a free ride. Any qualifying discounts will help reduce your insurance premiums.

If you would like to choose from a list of providers with discount rates, click here to view.

Tailor your insurance coverage to you

When choosing the best insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions might point out if your situation would benefit from an agent’s advice.

  • Do I need rental car coverage?
  • Is my 2003 Chevy Silverado 3500 covered for flood damage?
  • If I drive on a suspended license am I covered?
  • Should I bundle my homeowners policy with my auto?
  • Should I sign the liability waiver when renting a car?
  • What if I don’t agree with a claim settlement offer?
  • Am I covered if I crash into my own garage door?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and may give you better protection.

Specifics of your insurance policy

Having a good grasp of insurance aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. These are the usual coverages available from insurance companies.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for bills like prosthetic devices, rehabilitation expenses, hospital visits, nursing services and EMT expenses. They are often used in conjunction with a health insurance plan or if you do not have health coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your 2003 Chevy Silverado 3500.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Auto collision coverage

This will pay to fix damage to your Silverado 3500 resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like damaging your car on a curb, colliding with a tree, driving through your garage door, hitting a parking meter and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive auto coverage

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hail damage, hitting a deer, a tree branch falling on your vehicle and fire damage. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability

Liability coverage protects you from damage that occurs to other people or property. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as repair costs for stationary objects, court costs, emergency aid and loss of income. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

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

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Better coverage you can count on

Discount 2003 Chevy Silverado 3500 insurance is possible on the web and from local agencies, and you need to comparison shop both in order to have the best price selection to choose from. Some auto insurance companies may not offer online price quotes and most of the time these regional carriers sell through independent agents.

We just covered a lot of ways to save on 2003 Chevy Silverado 3500 insurance. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding the cheapest insurance. Consumers may even find the biggest savings come from a company that doesn’t do a lot of advertising. They may have significantly lower premium rates on certain market segments compared to the large companies like Allstate or State Farm.

More detailed auto insurance information is located by following these links: