Cheaper 2015 Chevrolet Silverado 3500HD Insurance Quotes

Trying to find the cheapest auto insurance rates for your Chevrolet Silverado 3500HD? Have you finally had enough of scraping nickels together to keep your car insured? You’re in the same situation as many other consumers. Big companies like State Farm, Allstate, GEICO and Progressive persitently shower you with advertising and consumers find it hard to see past the corporate glitz and take the time to shop coverage around.

If you are insured now or need new coverage, you can learn to find better prices while maintaining coverages. Choosing the best insurance company for you is not that difficult. Drivers just need to know the tricks to find the lowest price over the internet.

The quickest way to compare rate quotes utilizes the fact most of the larger companies allow for online access to quote your coverage. To start a quote, the only thing you need to do is give the companies some data such as how much you drive, whether you drive to work or school, driver details, and how much coverage you want. The data is instantly submitted to multiple companies and they return quotes instantly to find the best rate.

To compare rates for your 2015 Chevy Silverado 3500HD now, click here and enter the information requested.

These discounts can lower your insurance rates

Some insurers do not list every disount available in an easy-to-find place, so the list below details both the well known as well as some of the hidden discounts that you may qualify for. If you don’t get every credit available, you are throwing money away.

  • Distant College Student Discount – Any of your kids who are attending college and do not have access to a covered vehicle could qualify for this discount.
  • Senior Citizens – Drivers that qualify as senior citizens are able to get reduced rates for SilveradoHD insurance.
  • Lower Rates for Military – Having a family member in the military can result in better prices.
  • No Claim Discounts – Claim-free drivers pay less in comparison with drivers with a long claim history.
  • Good Student Discount – Performing well in school can get you a discount of up to 25%. The good student discount can last until age 25.
  • Discount for New Cars – Buying a new car model can get you a discount since newer vehicles are generally safer.
  • Paper-free Discount – A handful of insurance companies will give you a small discount for signing up on the internet.

As is typical with insurance, most discount credits are not given to the overall cost of the policy. 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, you aren’t that lucky. Any qualifying discounts should help reduce your overall premium however.

If you would like to choose from a list of insurers offering insurance discounts, click this link.

Different people need different insurance coverages

When buying the best insurance coverage, there is no best way to insure your cars. Every situation is different so this has to be addressed. Here are some questions about coverages that might help in determining if you would benefit from professional advice.

  • What discounts do I qualify for?
  • What if I don’t agree with a claim settlement offer?
  • Is my camper covered by my car insurance policy?
  • What is the ISO rating for a 2015 Chevy Silverado 3500HD?
  • Am I insured when driving a different vehicle?
  • Is motorclub coverage worth it?
  • How do I file an SR-22 for a DUI in my state?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

You can change your insurance rates

It’s important that you understand the rating factors that play a part in calculating the price you pay for auto insurance. When consumers understand what influences your rates, this enables you to make decisions that may result in cheaper rates. Multiple criteria are considered when pricing auto insurance. Some of the criteria are obvious such as your driving record, but other factors are not as apparent such as your marital status or how financially stable you are.

Shown below are some of the things utilized by car insurance companies to help set your rates.

  • Insurance premiums and driver gender – Statistics have proven that men are more aggressive behind the wheel. The data does not necessarily mean that females are better at driving than males. Both genders cause at-fault accidents in similar numbers, but the male of the species tend to have higher claims. Not only are claims higher, but men have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 are most likely to cause an accident and therefore are the most expensive to insure.
  • Location can affect price – Having an address in less populated areas has definite advantages when trying to find low car insurance rates. Less people means reduced accidents and a lower car theft rate. People in densly populated areas regularly have much more traffic and more severe claims. More time behind the wheel means more chances of being involved in an auto accident.
  • High credit rating translates to low prices – An insured’s credit rating will be a significant factor in your rate calculation. So if your credit score could use some work, you may save money insuring your 2015 Chevrolet Silverado 3500HD by spending a little time repairing your credit. People that have high credit ratings tend to file fewer claims than drivers with lower credit ratings.
  • Teen vs. experienced drivers – Older, more experienced drivers have been proven to be more responsible, cause fewer claims and accidents and receive fewer citations.Youthful drivers are known to be careless and easily distracted when behind the wheel therefore auto insurance rates are much higher.
  • Only buy what you need – There are a ton of additional extra coverages that can waste your money if you don’t pay attention. Coverages like coverage for rental cars, accidental death, and additional equipment coverage are some examples. These may sound like a good investment when buying your policy, but your money might be better spent on other coverage so consider taking them off your policy.
  • Driving citations hurt – Just one driving citation can increase rates by twenty percent. Drivers with clean records receive lower rates compared to bad drivers. Drivers who have gotten flagrant violations such as reckless driving or DUI may find that they have to to file a SR-22 with the DMV in their state in order to prevent their license from being revoked.
  • Get better rates if married – Walking down the aisle actually saves money on auto insurance. Marriage may mean you are more responsible it has been statistically shown that married couples file fewer claims.
  • Optional features that lower prices – Buying a car that has an advanced theft prevention system can help lower your premiums. Anti-theft devices like OnStar, LoJack tracking, and tamper alarms all aid in stopping car theft and help bring rates down.

Can you really save $387 a year?

Consumers constantly see and hear ads for car insurance savings from the likes of Progressive, GEICO, Allstate and State Farm. All the companies make an identical promise that you’ll save big if you move to their company.

It sounds good, but how can they all have lower policy pricing? It’s all in the numbers.

Most companies quote the lowest rates for the type of insured that will most likely be profitable. A good example of a desirable insured might have to be over the age of 45, owns a home, and the vehicle is rated for pleasure use. A customer who matches those parameters will probably get the lowest rates and as a result will probably save a lot of money.

Potential insureds who do not match these criteria will probably be forced to pay higher rates with the end result being business going elsewhere. The ads say “people who switch” not “everyone that quotes” save that much money. This is how companies can truthfully make the claims of big savings. Because of the profiling, it is so important to get a wide range of price quotes. It is impossible to guess the company that will fit your personal profile best.

Car insurance policy specifics

Understanding the coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average car insurance policy.

Protection from uninsured/underinsured drivers

This provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 2015 Chevy Silverado 3500HD.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for liability

This coverage can cover damages or injuries you inflict on people or other property. This coverage protects you against claims from other people, 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 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things like repair costs for stationary objects, medical services, bail bonds, legal defense fees and emergency aid. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Collision protection

This pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sideswiping another vehicle, damaging your car on a curb, hitting a parking meter, crashing into a building and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, damage from flooding, fire damage, damage from getting keyed and a broken windshield. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical expense insurance

Med pay and PIP coverage reimburse you for bills for things like nursing services, surgery, EMT expenses and dental work. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

What is YOUR best insurance company?

Cheaper insurance can be found both online in addition to many insurance agents, so you need to quote insurance coverage with both so you have a total pricing picture. A few companies do not offer rate quotes online and many times these small, regional companies provide coverage only through local independent agencies.

We just showed you a lot of techniques to save on 2015 Chevy Silverado 3500HD insurance. The key concept to understand is the more you quote insurance coverage, the higher your chance of finding low cost insurance coverage. You may even find the most savings is with some of the lesser-known companies. Regional companies can often insure niche markets at a lower cost than their larger competitors like Allstate and Progressive.

While you’re price shopping online, don’t be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped comprehensive coverage or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy a smart amount of coverage at the best possible price, but don’t skip important coverages to save money.

More articles