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 6, 2018

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I doubt anyone likes paying for insurance, in particular when their premiums are too high. Numerous auto insurance companies battle for your insurance dollar, and because of this it can be hard to compare insurers to find the absolute best rate

If you have a policy now or need new coverage, you can learn to shop for the lowest rates while maximizing coverage. Buying car insurance is easy if you know what you’re doing. Drivers just need to know the best way to compare prices online.

How to buy car insurance

Finding a better price on car insurance is surprisingly easy. The only thing you need to do is invest a few minutes to compare free insurance quotes provided by online insurance companies. Rate comparisons can be done in just a few minutes using one of these methods.

  1. Without a doubt, the easiest way to get quotes is to use a rate comparison form click to view form in new window. This style of form eliminates the need for separate quote forms for each company. Just one form compares rates from multiple low-cost companies.
  2. A different way to find lower rates consists of going to each individual company website to complete a price quote. For instance, we’ll assume you want to compare rates from State Farm, Allstate and Farmers. You would have to navigate to each company’s site and type in your information over and over, which explains why we recommend starting with the first method.

    For a handy list of car insurance company links in your area, click here.

  3. The final way to get comparison rates is actually driving to local insurance agencies. Comparing rates online eliminates the need for an insurance agent unless your situation requires the trained guidance of an agent trained in personal lines coverage. Some companies do allow you to comparison shop your insurance online but buy from a local insurance agent.

How you compare quotes is your choice, just do your best to enter the same coverages for every quote you compare. If you compare different limits and deductibles on each one you can’t possibly find the best deal for your Chevy Silverado 3500.

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

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Insurance rate influencing factors

Consumers need to have an understanding of some of the things that come into play when calculating the rates you pay for insurance. If you understand what influences your rates, this allows you to make educated decisions that could help you find cheaper rates. Lots of things are used when you get your auto insurance bill. Most are fairly basic such as traffic violations, but some are less obvious like your continuous coverage or your vehicle rating.

Listed below are some of the items insurance companies consider when setting prices.

  • Cars with good safety ratings means cheaper insurance – Vehicles with high crash test scores cost less to insure. Safer cars help reduce the chance of injuries in an accident and better occupant protection translates directly to fewer claims and cheaper rates on your policy.
  • Higher insurance rates for stressful employers – Jobs such as military personnel, business owners and stock brokers tend to have higher premiums than the average policyholder because of stressful work requirements and long work days. Other jobs such as professors, engineers and performers pay lower than average rates for Silverado insurance.
  • Teenage driver insurance prices – Beginning drivers are statistically shown to be careless and easily distracted when behind the wheel so they pay higher insurance rates. Having to add a beginning driver onto your insurance can break the bank. Older drivers are viewed as being more responsible, are lower risk to insure and receive fewer citations.
  • Frequent insurance claims increase prices – If you frequently file small claims, you can definitely plan on either higher rates or even cancellation. Insurance companies give better rates to insureds who file claims infrequently. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Pleasure use or commuting – The more miles you rack up on your Chevy each year the more you’ll pay to insure your vehicle. Many insurance companies charge rates based upon how much you drive. Cars used primarily for pleasure use receive lower rates compared to those used for work or business. Incorrect rating for your Silverado 3500 is throwing money out the window. It’s a smart idea to ensure your insurance declarations sheet reflects the correct usage for each vehicle.
  • Married drivers pay less – Having a significant other can get you a discount on your insurance policy. Having a spouse is viewed as being more stable financially and insurance companies like that drivers who are married file infrequent claims.
  • Save money with alarms and GPS tracking – Purchasing a vehicle with an alarm system can get you a discount on your insurance. Systems that thwart theives such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping auto theft and help lower rates.
  • Is insurance cheaper for men or women? – Statistics have proven females are less aggressive when driving. However, don’t assume that males are worse at driving than females. They both are responsible for fender benders in similar numbers, but guys get into accidents with more damage. Not only are claims higher, but men have more aggressive citations like reckless driving and DUI. Teenage male drivers are the most expensive to insure so they pay the highest premiums.

Don’t overlook these insurance discounts

Some companies don’t list all possible discounts in a way that’s easy to find, so the below list has both well-publicized and the more hidden credits that you can use to lower your rates. If you do not check that you are getting every discount possible, you could be saving more on your insurance.

  • Senior Citizen Discount – If you’re over the age of 55, you are able to get a slight reduction on a insurance quote for Silverado insurance.
  • Policy Bundle Discount – When you combine your home and auto insurance with one insurance company they may give you a discount of up to 20% off your total premium.
  • More Vehicles More Savings – Insuring several vehicles with the same company can get a discount for every vehicle.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers successfully complete driver’s ed class if offered at their school.
  • Discount for Low Mileage – Low annual miles can earn discounted insurancerates on garaged vehicles.
  • Pay Early and Save – If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Defensive Driver Discount – Successfully completing a course in defensive driving can save you 5% or more and also improve your driving technique.
  • Service Members Pay Less – Being deployed in the military could mean lower prices.
  • Accident-Free Discounts – Drivers with accident-free driving histories are rewarded with significantly better rates on insurance quote compared to insureds who have frequent claims or accidents.

We need to note that some credits don’t apply to the entire cost. Most only cut the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you can get free auto insurance, it’s just not the way it works.

To see a list of insurance companies that provide some of the discounts listed above, follow this link.

When to get professional advice

When buying proper insurance coverage for your vehicles, there really is no “perfect” insurance plan. Every situation is different so your insurance needs to address that. These are some specific questions may help you determine whether your personal situation might need professional guidance.

  • Is my camper covered by my car insurance policy?
  • Why am I required to buy liability insurance?
  • Should I buy additional glass protection?
  • What happens if I owe more than my 2005 Chevy Silverado 3500 is worth?
  • What is roadside assistance coverage?
  • What is an SR-22 filing?
  • If my pet gets injured in an accident are they covered?
  • Which is better, split liability limits or combined limits?
  • How does medical payments coverage work?
  • What is no-fault insurance?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

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

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Insurance coverage considerations

Knowing the specifics of a insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on most insurance policies.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your 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 only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Coverage for collisions

This coverage pays for damage to your Silverado 3500 resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like hitting a mailbox, colliding with another moving vehicle, backing into a parked car, crashing into a building and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like surgery, pain medications, nursing services, ambulance fees and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

Liability coverage protects you from damage that occurs to a person or their property. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like court costs, loss of income, repair costs for stationary objects, legal defense fees and funeral expenses. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Comprehensive protection

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hail damage, a broken windshield, theft and falling objects. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Be a money saver!

When you buy insurance online, it’s very important that you do not skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice uninsured motorist or liability limits to discover at claim time that they should have had better coverage. The ultimate goal is to buy a smart amount of coverage for the lowest cost but still have enough coverage for asset protection.

Discount 2005 Chevy Silverado 3500 insurance can be found from both online companies in addition to many insurance agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who may not provide rates over the internet and many times these smaller companies only sell through local independent agents.

To learn more, take a look at the articles below: