2014 Chevrolet Silverado 2500HD Car Insurance Quotes

If you’re looking for lower-priced insurance online, are you confused by the crazy number of insurance companies available to you? consumers have so many companies to choose from that it can really be a difficult situation to find better prices.

It’s a good habit to compare premium rates as often as possible because rates are rarely the same from one policy term to another. Even if you got the best deal for SilveradoHD coverage six months ago you will most likely find a better price today. Forget all the misinformation about insurance because you’re about to find out the fastest way to eliminate unnecessary coverages and save money.

Use discounts on insurance coverage

Insurance can cost an arm and a leg, but there may be some discounts that can dramatically reduce your bill. Some discounts apply automatically at the time of quoting, but a few must be asked about before they will apply. If they aren’t giving you every credit you deserve, you are paying more than you should be.

• Senior Citizen Discount – Drivers that qualify as senior citizens can possibly qualify for a discount up to 10% for SilveradoHD coverage.
• No Claims – Insureds who avoid accidents and claims are rewarded with significantly better rates on insurance coverage quote as opposed to accident-prone drivers.
• Homeowners Pay Less – Being a homeowner can save a few bucks due to the fact that maintaining a home demonstrates responsibility.
• Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
• Government Employee Discount – Having worked for a branch of the government may reduce rates when you quote insurance coverage for SilveradoHD coverage with a few insurance coverage companies.
• One Accident Forgiven – Not really a discount, but certain companies permit an accident before your rates go up so long as you are claim-free for a particular time prior to the accident.
• Distant Student Discount – who are enrolled in higher education away from home and leave their car at home may be able to be covered for less.
• Good Driver Discount – Insureds who avoid accidents could pay up to 40% less for SilveradoHD coverage than drivers with accidents.
• Defensive Driver Discount – Completing a course that instructs on driving safety can save you 5% or more if you qualify.
• Student Driver Training – It’s a good idea to have your young drivers enroll and complete driver’s education in high school.

A quick disclaimer, some of the credits will not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that you could get a free insurance coverage policy, you aren’t that lucky.

A few of the larger companies and their offered discounts can be found below.

• American Family may have discounts that include mySafetyValet, early bird, good driver, good student, and air bags.
• State Farm offers premium reductions for anti-theft, good driver, accident-free, defensive driving training, and Steer Clear safe driver discount.
• 21st Century discounts include homeowners, anti-lock brakes, theft prevention, automatic seat belts, driver training, and student driver.
• Travelers may offer discounts for hybrid/electric vehicle, continuous insurance, payment discounts, driver training, and good student.
• Geico offers discounts including military active duty, multi-vehicle, driver training, multi-policy, and five-year accident-free.

If you want affordable insurance coverage quotes, ask each insurance company which discounts they offer. All car insurance discounts might not be offered on policies in your area. To see a list of insurance coverage companies that offer multiple discounts, click here to view.

How your Silverado 2500HD insurance costs are determined

Consumers need to have an understanding of some of the elements that play a part in calculating your premiums. When you know what positively or negatively influences your rates, this helps enable you to make changes that could result in lower premium levels.

• Deter car thieves – Owning a car with advanced anti-theft systems can save you some money. Anti-theft devices like OnStar, LoJack tracking, and tamper alarms can help prevent your vehicle from being stolen.
• Better rates for continuous coverage – Driving without insurance is illegal and any future policy may cost more because you let your insurance expire. And not only will insurance be more expensive, not being able to provide proof of insurance can result in a steep fine or even jail time. You may need to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
• What are good liability protection limits? – Your policy’s liability coverage will afford coverage if you are determined to be liable for an accident. Liability provides legal defense starting from day one. This coverage is very inexpensive compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
• Older drivers are lower risk – Older drivers are more responsible, cause fewer claims and accidents , and are generally more financially stable.Teenage drivers are known to be easily distracted when at the wheel of a vehicle so they pay higher car insurance rates.
• Stress out and pay more – Jobs such as fire fightersair traffic controllers and dentists generally have the highest rates attributed to intense work situations and lots of time spent away from family. Other careers like professors, engineers and retirees pay lower than average rates for SilveradoHD coverage.

Tailor your insurance coverage to you

When it comes to buying coverage, there really is no “best” method to buy coverage. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining whether you would benefit from professional advice.

• What companies insure drivers after a DUI or DWI?
• Am I covered if I hit a deer?
• How do I buy GAP insurance?
• Do I pay less if my vehicle is kept in my garage?
• Am I covered when driving on a suspended license?
• Do I need special endorsements for business use of my vehicle?
• Do I need PIP coverage since I have good health insurance?
• Am I covered when delivering products for my home-based business?
• What is covered by UM/UIM coverage?
• Does my policy cover me when driving someone else’s vehicle?

If it’s difficult to answer those 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.

Educate yourself about insurance coverages

Understanding the coverages of insurance aids in choosing the best coverages for your vehicles. Insurance terms can be confusing and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as vandalism, rock chips in glass, damage from flooding, damage from a tornado or hurricane and hail damage. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like pain medications, EMT expenses and chiropractic care. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Chevy Silverado 2500HD.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Liability coverages

This will cover damage or injury you incur to people or other property. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against claims like repair costs for stationary objects, emergency aid, loss of income and legal defense fees. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Collision coverage

Collision insurance will pay to fix damage to your Silverado 2500HD from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like backing into a parked car, driving through your garage door and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Make a quick buck

The cheapest 2014 Chevy Silverado 2500HD insurance can be bought from both online companies and from local agencies, so get free insurance coverage quotes from both of them to have the best chance of lowering rates. Some insurance companies may not offer online price quotes and these smaller companies provide coverage only through local independent agents.

You just learned many ideas to compare 2014 Chevy Silverado 2500HD insurance rates online. The most important thing to understand is the more rate quotes you have, the better likelihood of getting cheap insurance coverage. You may be surprised to find that the best price on insurance is with a lesser-known regional company.

Insureds change insurance companies for any number of reasons including policy cancellation, policy non-renewal, extreme rates for teen drivers or delays in responding to claim requests. Regardless of your reason for switching companies, switching companies is easier than you think.

More information is available at these links:

• Crash Avoidance Technologies FAQ (iihs.org)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)
• Distracted Driving Extends Beyond Texting (State Farm)
• Neck Injury FAQ (iihs.org)
• Vehicle Size and Weight FAQ (iihs.org)