2013 Chevrolet Silverado 1500 Insurance Rates

Trying to find better insurance coverage rates? Buyers have lots of choices when searching for the best price on Chevy Silverado 1500 insurance. They can either waste time struggling with agents getting price quotes or save time using the internet to make rate comparisons.

There are both good and bad ways to buy insurance coverage so we’re going to tell you the best way to get price quotes for a new or used Chevy and locate the best price possible either online or from local insurance agents.

It’s a great practice to compare prices yearly because rates fluctuate regularly. If you had the best premium rates for Silverado insurance two years ago there is a good chance you can find better prices now. Ignore everything you know about insurance coverage because you’re going to learn the right way to properly buy coverages and cut your premium.

The purpose of this post is to familiarize you with the best way to quote coverages and some tips to save money. If you have car insurance now, you will be able to lower your premiums substantially using these tips. Vehicle owners just need to learn the most effective way to compare prices over the internet.

Smart consumers can lower their insurance rates

An important part of buying insurance is that you know some of the elements that help calculate your policy premiums. If you have a feel for what influences your rates, this empowers consumers to make smart changes that could result in lower premium levels.

  • Vehicle theft costs us all – Driving a car with a theft deterrent system can get you a discount on your insurance. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.
  • Urban residents pay more – Choosing to live in areas with lower population may provide you with better prices when insuring your vehicles. Drivers who live in large cities regularly have more auto accidents and longer commutes to work. Less people translates into fewer accident claims.
  • Getting married can lower premiums – Your spouse can actually save you money on your insurance bill. Having a significant other translates into being more mature than a single person and statistics prove married drivers get in fewer accidents.
  • Do females or males drive better? – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. It does not mean men are WORSE drivers than women. Both sexes cause accidents at about the same rate, but men cause more damage and cost insurance companies more money. They also get more serious tickets such as reckless driving.
  • Amount of liability coverage – Liability coverage is the protection if you are determined to be liable for physical damage or personal injury to other. Your liability coverage provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Always keep your insurance in force – Driving with no insurance is not a good idea and your next policy will cost more because you let your insurance coverage expire. And not only will your rates increase, the inability to provide proof of insurance may result in a steep fine or even jail time. You will then be forced to prove you have insurance by filing a SR-22 with your state department of motor vehicles.

How to buy auto insurance

There are a variety of methods you can shop for auto insurance but there is one way that is easier and takes less work. You could waste a few hours talking about coverages with insurance companies in your area, or you can stay home and use online quotes to get rates in a matter of minutes.

Many popular insurance companies take part in a program where insurance shoppers submit one quote, and each participating company can give them a price based on that information. This system prevents you from having to do quote forms for every auto insurance company.

To find out how much you can save on auto insurance click here to start a free quote.

One minor caviat to getting quotes like this is that consumers can’t choose which companies to receive prices from. So if you want to choose specific providers to request quotes from, we put together a list of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but make darn sure you compare the same coverages on every quote. If your comparisons have different coverage information it will be impossible to get a fair rate comparison.

Lower rates by qualifying for discounts

Some providers don’t always list every available discount very clearly, so the following list contains both well-publicized and the harder-to-find credits available to you.

  • Driver Training Discounts – Passing a course teaching defensive driver skills could earn you a small percentage discount and make you a better driver.
  • Senior Discount – Mature drivers may receive better insurance coverage rates for Silverado insurance.
  • Early Switch Discount – Select larger companies give a discount for renewing your policy before your current expiration date. This discount can save up to 10%.
  • Driving Data Discount – People who choose to allow their insurance coverage company to look at their driving habits by using a telematics device in their vehicle such as State Farm’s In-Drive could save a few bucks if they show good driving skills.
  • More Vehicles More Savings – Buying insurance for more than one vehicle on one policy can reduce rates for all insured vehicles.
  • Discounts for Government Workers – Federal government employees can save as much as 8% for Silverado insurance but check with your company.
  • ABS Brakes – Cars equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
  • Save with a New Car – Insuring a new car is cheaper compared to insuring an older model.

Just know that most of the big mark downs will not be given to the entire policy premium. Some only reduce the price of certain insurance coverages like liability and collision coverage. So even though you would think all the discounts add up to a free policy, company stockholders wouldn’t be very happy. Any qualifying discounts will bring down your policy premium.

Larger insurance coverage companies and some of their more popular discounts can be found below.

  • GEICO policyholders can earn discounts including driver training, anti-theft, five-year accident-free, federal employee, and seat belt use.
  • Auto-Owners Insurance offers discounts including anti-theft, group or association, student away at school, good student, paid in full, and company car.
  • American Family includes discounts for Steer into Savings, mySafetyValet, bundled insurance, early bird, and TimeAway discount.
  • Esurance may offer discounts for DriveSense, renters, good driver, good student, and online shopper.
  • Progressive has savings for online quote discount, multi-policy, continuous coverage, online signing, good student, homeowner, and multi-vehicle.
  • State Farm may have discounts that include good student, safe vehicle, good driver, driver’s education, and defensive driving training.
  • AAA may include discounts for good student, education and occupation, pay-in-full, good driver, multi-policy, multi-car, and AAA membership discount.

When getting free car insurance quotes, it’s a good idea to every insurance company which discounts you qualify for. A few discounts might not be available to policyholders in your area. To see insurance coverage companies with discount rates, click here.

Insurance is unique, just like you

When choosing adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

These are some specific questions can help discover if your situation would benefit from professional advice.

  • Am I covered when driving on a suspended license?
  • Can I rent a car in Mexico?
  • Are my friends covered when driving my car?
  • Am I covered if I hit a deer?
  • Am I covered if I crash into my own garage door?
  • Am I insured when driving a different vehicle?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Insurance policy coverages for a 2013 Chevy Silverado 1500

Learning about specific coverages of insurance aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverages

This pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a broken windshield, a tree branch falling on your vehicle, vandalism and fire damage. The highest amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for liability

Liability insurance protects you from damage or injury you incur to a person or their property that is your fault. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like repair bills for other people’s vehicles, court costs, medical services, attorney fees and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Coverage for collisions

This pays for damage to your Silverado 1500 resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like colliding with a tree, sideswiping another vehicle and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your Chevy Silverado 1500.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently these coverages are set the same as your liablity limits.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses like X-ray expenses, ambulance fees and hospital visits. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle 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

Smart shoppers get results

Insureds change insurance companies for a variety of reasons including questionable increases in premium, policy cancellation, an unsatisfactory settlement offer or even unfair underwriting practices. It doesn’t matter why you want to switch switching companies is not as difficult as it may seem.

We’ve covered many ideas to get a better price on 2013 Chevy Silverado 1500 insurance. The most important thing to understand is the more you quote car insurance, the better your chances of lowering your prices. Drivers may discover the biggest savings come from some of the smallest insurance companies.

As you prepare to switch companies, it’s not a good idea to buy lower coverage limits just to save a few bucks. Too many times, an insured cut collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible at the lowest possible cost while still protecting your assets.

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