2013 Chevrolet Silverado 2500HD Insurance Cost – 9 Ways to Save

Buyers have a choice when searching for low-cost Chevy Silverado 2500HD insurance. You can either spend your time contacting agents getting price quotes or use the internet to make rate comparisons.

There are both good and bad ways to shop for insurance coverage so we’re going to tell you the quickest way to compare rates for a new or used Chevy and find the lowest possible price either online or from local insurance agents.

Smart consumers take time to check insurance coverage prices on a regular basis because prices go up and down regularly. If you had the best deal on SilveradoHD insurance a few years ago other companies may now be cheaper. Block out anything you think you know about insurance coverage because you’re about to learn the fastest and easiest way to find better rates and still maintain coverage.

Find discounts on insurance coverage

Insurance can be prohibitively expensive, but discounts can save money and there are some available that many people don’t even know exist. Certain discounts will be triggered automatically when you purchase, but a few must be specially asked for prior to getting the savings. If you are not receiving all the discounts you qualify for, it’s possible you qualify for a lower rate.

  • Club Memberships – Being in specific professional or occupational memberships or organizations could trigger savings on your bill.
  • Accident Forgiveness Coverage – but some companies like Libery Mutual, GEICO and Allstate will turn a blind eye to one accident before raising your premiums as long as you don’t have any claims for a set time period.
  • College Student – living away from home attending college without a vehicle on campus can be insured at a reduced rate.
  • Defensive Driving Course – Taking part in a course in safe driver could cut 5% off your bill and easily recoup the cost of the course.
  • Low Miles Discount – Driving less may allow you to get lower prices on the low mileage vehicles.
  • Driver’s Education for Students – It’s a good idea to have your young drivers enroll in driver’s education in high school.
  • Passive Restraints and Air Bags – Factory options such as air bags or motorized seat belts can get savings as much as 30%.
  • Auto/Life Discount – Some insurance carriers give a lower rate if you buy life insurance.
  • Payment Discounts – By paying your policy upfront instead of paying each month you could save 5% or more.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only reduce individual premiums such as medical payments or collision. Just because you may think all those discounts means the company will pay you, nobody gets a free ride.

To find insurers that offer the discounts shown above, click this link.

Tailor your insurance coverage to you

When it comes to buying adequate coverage, there really is no perfect coverage plan. Every insured’s situation is different.

For instance, these questions may help you determine whether you might need professional guidance.

  • When would I need additional glass coverage?
  • Do I need PIP coverage since I have good health insurance?
  • What is no-fault insurance?
  • Is there coverage for injuries to my pets?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my camper covered by my car insurance policy?

If you’re not sure about those questions, you may need to chat with an agent. To find an agent in your area, complete this form. It’s fast, free and can help protect your family.

What car insurance coverages do you need?

Learning about specific coverages of a car insurance policy can help you determine appropriate coverage for your vehicles. Car insurance terms can be impossible to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Chevy Silverado 2500HD.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these limits are similar to your liability insurance amounts.

Collision coverage – This coverage covers damage to your Silverado 2500HD resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a parking meter, hitting a mailbox, scraping a guard rail, colliding with a tree and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Liability insurance – This coverage provides protection from injuries or damage you cause to other’s property or people that is your fault. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things such as pain and suffering, bail bonds and attorney fees. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for bills for chiropractic care, nursing services, dental work and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive insurance – This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, hitting a deer, a broken windshield and rock chips in glass. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Saving money makes a lot of cents

Cheap 2013 Chevy Silverado 2500HD insurance can be sourced on the web as well as from insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies do not offer internet price quotes and usually these regional insurance providers only sell through independent agents.

Consumers switch companies for many reasons like questionable increases in premium, high rates after DUI convictions, policy cancellation and policy non-renewal. No matter why you want to switch, choosing a new company can be pretty painless.

As you restructure your insurance plan, do not buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed liability coverage limits only to find out that a couple dollars of savings turned into a financial nightmare. Your goal is to buy enough coverage at a price you can afford.

More tips and info about auto insurance can be found by following these links: