1999 Chevrolet Silverado 1500 Insurance Cost

Want better auto insurance rates? Drivers have options when trying to find low-cost Chevy Silverado 1500 insurance. They can either waste time struggling with agents to compare prices or leverage the internet to compare rates.

There is a better way to compare auto insurance rates and you need to know the best way to get price quotes on a Chevy and get the best price possible from local insurance agents and online providers.

If you have insurance now or are looking for a new policy, you will benefit by learning to find better prices while maintaining coverages. This article will help you learn how car insurance quotes work and some tricks to saving. Consumers only need an understanding of the proper way to compare price quotes on the web.

Insurance coverage policy discounts you can’t miss

Insuring your vehicles can cost a lot, but there are discounts available that could help you make your next renewal payment. Larger premium reductions will be automatically applied when you get a quote, but some may not be applied and must be manually applied before you will receive the discount.

  • Passive Restraint Discount – Factory options such as air bags or motorized seat belts could see savings of 20% or more.
  • Anti-lock Brakes – Vehicles with ABS and/or traction control can avoid accidents and earn discounts up to 10%.
  • Multi-Vehicle Discounts – Having multiple vehicles on one policy can get a discount on all vehicles.
  • Clubs and Organizations – Belonging to specific professional or occupational memberships or organizations could trigger savings on your policy.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course if it’s offered in school.
  • First Accident Forgiveness – Not a discount per se, but a handful of insurance companies allow you one accident without the usual rate increase so long as you haven’t had any claims before the accident.
  • Good Student – This discount may save you up to 25%. The discount lasts up to age 25.
  • Claim Free – Insureds who avoid accidents and claims can save substantially compared to frequent claim filers.
  • Discount for Swiching Early – A few larger companies give discounts for signing up early. You can save around 10% with this discount.
  • Savings for New Vehicles – Insuring a vehicle that is new can save up to 30% because new vehicles keep occupants safer.

While discounts sound great, it’s important to understand that many deductions do not apply to the entire policy premium. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, it’s just not the way it works.

The best insurance coverage companies and their possible discounts are detailed below.

  • American Family has savings for good student, Steer into Savings, mySafetyValet, good driver, and bundled insurance.
  • Farm Bureau offers discounts including multi-policy, youthful driver, driver training, safe driver, renewal discount, and multi-vehicle.
  • State Farm offers premium reductions for driver’s education, passive restraint, multiple policy, good student, and Steer Clear safe driver discount.
  • Travelers may include discounts for early quote, multi-policy, hybrid/electric vehicle, good student, and IntelliDrive.
  • The Hartford may offer discounts for air bag, anti-theft, defensive driver, vehicle fuel type, and good student.
  • Geico policyholders can earn discounts including seat belt use, air bags, defensive driver, driver training, emergency military deployment, and membership and employees.
  • Progressive offers discounts for online quote discount, multi-vehicle, multi-policy, good student, homeowner, and online signing.

Check with each company or agent the best way to save money. A few discounts might not apply in your state. If you would like to choose from a list of companies that provide some of the discounts listed above, click here to view.

Insurance agents can help

When it comes to buying coverage, there is no perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that can aid in determining whether or not you might need an agent’s assistance.

  • What is no-fault insurance?
  • Is my teen driver covered when they drive my company car?
  • How do I insure my teen driver?
  • How does medical payments coverage work?
  • Why is insurance for a teen driver so high?
  • Is a new car covered when I drive it off the dealer lot?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Are auto insurance companies telling the truth?

Consumers can’t escape the ads that claim the best premium rates by companies like State Farm, Geico and Progressive. All the companies make the same claim that drivers will save a bundle if you change your coverage to them.

That’s great but how can every company charge lower premium rates? This is the trick they use.

Most companies have strict underwriting profiles for the type of insured that earns them the highest profit. For example, a preferred risk might have to be over the age of 45, has a clean driving record, and insures a new vehicle. A customer that fits those parameters will get the preferred rates and will save some money.

Potential customers who do not fit these standards may receive higher premium rates which leads to the customer not purchasing. The ads say “drivers who switch” but not “all drivers who get quotes” save that much. That’s the way companies can state the savings.

This really drives home the point why drivers must get as many free car insurance quotes as possible. It’s just not possible to know which company will provide you with the cheapest rates.

Auto insurance coverage specifics

Understanding the coverages of your auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Frequently these limits are set the same as your liablity limits.

Comprehensive protection

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from getting keyed, hitting a deer and theft. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for liability

Liability insurance will cover damage or injury you incur to other’s property or people by causing an accident. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like medical services, repair bills for other people’s vehicles, repair costs for stationary objects and emergency aid. How much coverage you buy is your choice, but consider buying higher limits if possible.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as EMT expenses, dental work, hospital visits and nursing services. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Collision insurance

Collision insurance pays for damage to your Silverado 1500 resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a parking meter, sideswiping another vehicle, sustaining damage from a pot hole, scraping a guard rail and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Find Good Coverage for Less

We just covered many ways to save on 1999 Chevy Silverado 1500 insurance. The key concept to understand is the more providers you compare, the better your chances of lowering your auto insurance rates. You may even find the best price on car insurance is with the least-expected company.

When searching for cheap car insurance quotes, you should never buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped liability coverage limits only to regret that the few dollars in savings costed them thousands. The aim is to get the best coverage possible at an affordable rate while not skimping on critical coverages.

Some car insurance companies may not offer price quotes online small insurance companies prefer to sell through independent agents. Affordable 1999 Chevy Silverado 1500 insurance is possible both online and from local insurance agents, and you need to price shop both in order to have the best price selection to choose from.

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