Cheap 2013 Chevrolet Silverado 3500HD Insurance Rates

Want cheaper car insurance rates for your Chevrolet Silverado 3500HD? If you are new to online price comparisons, most likely you are confused due to the large selection of online car insurance companies and websites all promising to save you money.

It’s smart to compare premium rates as often as possible because car insurance rates are variable and change quite frequently. Despite the fact that you may have had the lowest rate for SilveradoHD coverage a couple years back there may be better deals available now. Block out anything you think you know about car insurance because I’m going to teach you how to quote online to lower your annual insurance bill.

Choosing the best insurance company for you is not that difficult. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these techniques. But drivers should learn the methods companies use to sell online and apply this information to your search.

First Step: Get free auto insurance quotes

When shopping for cheap insurance quotes, there are a couple of ways of comparing price quotes from many auto insurance companies in your state. The simplest method to compare 2013 Chevy Silverado 3500HD insurance prices consists of obtaining rate quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. One of the best ways to get the best comparison quotes is a comparison rater form like this one (opens in new window). This type of form keeps you from doing multiple quote forms for every prospective company. Completing one form will return quotes from all major companies. This is perfect if you don’t have a lot of time.
  2. A harder way to find more affordable insurance is spending the time to visit the website for each individual company and get a separate price quote. For instance, let’s say you want to see prices from Allstate, State Farm and American Family. In order to get each rate, you would have to visit each site and enter your policy data, which can get old fast.

    To view a list of companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but make sure you use equivalent coverages and limits for every quote you compare. If you use different values for each quote you can’t possibly determine which company has the best rates. Just slight variations in insurance coverages or limits may result in a large different in cost. And when comparison shopping, more quotes will improve the odds of getting a lower rate than you’re paying now.

Do you qualify for discounts?

Insuring your vehicles can cost a lot, but you can get discounts that can drop the cost substantially. Some of these disounts will be visible when you complete an application, but some must be specially asked for prior to getting the savings.

  • Claim-Free Discount – Good drivers with no accidents pay much less as compared to insureds who have frequent claims or accidents.
  • College Student – who are attending college and leave their car at home may be able to be covered for less.
  • Club Memberships – Joining a professional or civic organization may earn a discount on your next renewal.
  • Use Seat Belts – Drivers who require all vehicle occupants to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Multiple Vehicles – Having primary and secondary vehicles on a single policy can get a discount for every vehicle.

Consumers should know that most discounts do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like it’s possible to get free car insurance, it just doesn’t work that way.

To see insurance companies who offer discounts, click here.

Don’t assume everyone needs the same auto insurance coverage

When choosing the right insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions could help you determine whether your personal situation would benefit from professional advice.

  • Do I need roadside assistance coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I have coverage when making deliveries for my home business?
  • What if I owe more than I can insure my car for?
  • Who is covered when they drive my 2013 Chevy Silverado 3500HD?
  • How do I insure my teen driver?
  • When do I need to add a new car to my policy?
  • Why do I need rental car insurance?
  • Can I afford to pay high deductible claims out of pocket?
  • Can I afford to buy a different vehicle if my 2013 Chevy Silverado 3500HD is totaled?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

What determines Chevy Silverado 3500HD insurance prices?

A large part of saving on car insurance is knowing the different types of things that help calculate the level of your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this enables informed choices that could result in lower rates. Many factors are used in the calculation when quoting car insurance. Some are obvious like an MVR report, but others are less apparent such as your credit history or your vehicle rating.

The items below are some of the things that factor into your rates.

  • Prices may be lower depending on your job – Did you know your car insurance rates can be affected by your occupation? Occupations such as real estate brokers, business owners and medical professionals generally pay higher rates than the rest of us due to stressful work requirements and extremely grueling work hours. On the flip side, professions such as farmers, students and retirees receive lower rates for SilveradoHD coverage.
  • Single drivers take more risk – Having a significant other can actually save you money compared to being single. Having a significant other is viewed as being less irresponsible and insurance companies like that married couples file fewer claims.
  • Women tend to be lower risk – Statistics show that women are safer drivers than men. This data doesn’t prove that males are worse at driving than females. Women and men cause accidents in similar numbers, but the males tend to have more serious accidents. Not only that, but men also have more aggressive citations such as DWI and reckless driving.
  • Long commutes cost more – Driving a lot of miles every year the higher the price you pay to insure it. The majority of insurers rate vehicles based on their usage. Cars that have low annual miles can get a lower rate compared to those used for work or business. A policy that improperly rates your Silverado 3500HD can cost quite a bit. Verify your policy correctly shows the proper vehicle usage, because it can save money.
  • How many coverages with the same company – Most larger insurance companies apply better rates to customers who buy several policies from them, otherwise known as a multi-policy discount. Even if you already get this discount, you may still want to get quotes from other companies to guarantee you are still saving the most. You may still save even more than the discount even if you insure with multiple companies
  • You might want pay the minor claims yourself – Auto insurance companies generally give discounts to insureds that do not abuse their auto insurance. If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Your car insurance is designed for the large, substantial claims.
  • Rates are affected by your address – Choosing to live in small towns and rural areas may provide you with better prices when insuring your vehicles. People who live in big cities regularly have much more traffic and more severe claims. Less people living in that area means reduced accidents and lower theft and vandalism rates.
  • Little extras can really add up – There are many optional add-on coverages that you can buy if you don’t pay attention. Coverages like rental car coverage, better glass coverage, and additional equipment coverage could be just wasting money. They may seem good at first, but if they’re wasting money remove them and pocket the money.

Auto insurance 101

Knowing the specifics of your policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Auto collision coverage

Collision insurance covers damage to your Silverado 3500HD resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like backing into a parked car, hitting a mailbox and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverages

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a broken windshield, damage from a tornado or hurricane, theft, hitting a deer and hail damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses like surgery, X-ray expenses, chiropractic care and doctor visits. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Auto liability

This coverage will cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as medical services, pain and suffering, emergency aid and funeral expenses. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Chevy Silverado 3500HD.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Don’t be a big spender

As you prepare to switch companies, it’s very important that you do not sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced liability limits or collision coverage only to find out they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find for the lowest price and still be able to protect your assets.

We covered a lot of ways to compare 2013 Chevy Silverado 3500HD insurance rates online. The key concept to understand is the more quotes you get, the higher your chance of finding cheap insurance. Consumers could even find that the most savings is with a lesser-known regional company.

Low-cost 2013 Chevy Silverado 3500HD insurance is definitely available both online and from local insurance agents, so you need to shop insurance with both to have the best rate selection. Some insurance providers do not offer the ability to get quotes online and many times these regional insurance providers sell through local independent agencies.

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