View 2014 Chevrolet Silverado 3500HD Car Insurance Rates

Comparing insurance quotes online may appear to be difficult at first if you are someone who has never done online rate comparisons. Don’t worry though because finding lower prices is actually fairly simple.

It’s smart to do price comparisons every six months because insurance prices are usually higher with each renewal. Even if you think you had the best quotes for SilveradoHD coverage on your last policy you will most likely find a better rate today. There is too much inaccurate information about insurance online but we’re going to give you some proven techniques to buy insurance cheaper.

Choosing the best insurance company for you is not that difficult. If you have car insurance now, you stand a good chance to be able to cut costs considerably using these techniques. Nevertheless, drivers do need to understand the way companies sell online and use this information to your advantage.

First Step: Get free insurance coverage quotes

All major insurance coverage companies allow consumers to get pricing from their websites. Comparing prices online doesn’t take a lot of time because you just enter the amount of coverage you want into a form. After you complete the form, the company’s rating system will obtain information on your driving record and credit history and quotes a price based on many factors.

Online price estimates helps simplify price comparisons, but the work required to visit multiple sites and fill out multiple forms is monotonous and tiresome. But it is imperative to have as many quotes as possible if you want to get the lowest price.

The easiest way to compare rates uses one form that analyzes rates from several different companies. It’s a real time-saver, requires much less work on your part, and makes comparison shopping much more enjoyable. As soon as the form is sent, it gets priced and you are able to buy any of the price quotes you receive. If a lower price is quoted, you can simply submit the application and purchase coverage. This process takes less than 15 minutes and you will know how your current rates stack up.

To compare rates using this form now, click here to open in a new tab and begin entering your coverage information. If you have your current policy handy, we recommend you complete the form with the coverages as shown on your current policy. Doing this assures you will have an apples-to-apples comparison based on the exact same insurance coverage.

Cheaper insurance quotes with discounts

Companies that sell car insurance do not advertise every disount available in an easy-to-find place, so the list below contains some of the more common and the more hidden insurance savings.

  • Driver’s Ed – Reduce the cost of insurance for teen drivers by having them take driver’s ed class in high school.
  • Discounts for Federal Employees – Being employed by or retired from a federal job can save as much as 8% for SilveradoHD coverage with select insurance companies.
  • Online Discount – Some companies may give you up to $50 for buying your policy on your computer.
  • Smart Student Discounts – Getting good grades could provide a savings of up to 20% or more. This discount can apply up to age 25.
  • Low Miles Discount – Low mileage vehicles could qualify for discounted insurancerates on garaged vehicles.
  • Driving Data Discount – Insureds who allow data collection to study their driving habits by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if their driving habits are good.
  • Distant College Student Discount – Kids living away from home attending college and don’t have a car may be able to be covered for less.
  • Senior Citizen Rates – Seniors may receive a small decrease in premiums for SilveradoHD coverage.
  • Discounts for New Vehicles – Insuring a new car may earn a small discount due to better safety requirements for new vehicles.

A little disclaimer on discounts, most discounts do not apply the the whole policy. The majority will only reduce individual premiums such as collision or personal injury protection. Even though the math looks like you can get free auto insurance, companies wouldn’t make money that way.

To see a list of providers with the best discounts, follow this link.

Tailor your insurance coverage to you

When choosing the right insurance coverage, there really is not a perfect coverage plan. Every situation is different.

Here are some questions about coverages that can aid in determining whether you may require specific advice.

  • Do I need replacement cost coverage on my 2014 Chevy Silverado 3500HD?
  • How can I get my company to pay me more for my totalled car?
  • Are rock chip repairs covered?
  • Are all vehicle passengers covered by medical payments coverage?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I benefit by insuring my home with the same company?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Auto insurance specifics

Having a good grasp of auto insurance can help you determine the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Auto collision coverage

Collision coverage covers damage to your Silverado 3500HD caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as rolling your car, hitting a parking meter, colliding with a tree and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like ambulance fees, X-ray expenses, pain medications and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Liability

Liability insurance will cover injuries or damage you cause to other’s property or people in an accident. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as repair bills for other people’s vehicles, funeral expenses, loss of income, court costs and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2014 Chevy Silverado 3500HD.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as fire damage, hitting a bird, hail damage and a broken windshield. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.