2001 Chevrolet Silverado 3500 Insurance Quotes

There isn’t anyone who likes having to buy insurance coverage, especially knowing they could find better prices if they shop around.

Since drivers have many insurance coverage companies to choose from, it’s difficult to pick the best insurance company.

It’s smart to do rate comparisons quite often because prices trend upward over time. Despite the fact that you may have had the best deal on Silverado insurance a couple years back there may be better deals available now. Ignore everything you know about insurance coverage because you’re going to learn the right way to remove unneeded coverages and save money.

Finding the lowest cost insurance coverage can be fairly easy. In a nutshell, everyone who is required by state law to have insurance should be able to reduce their rates. Although consumers must comprehend the way companies compete online and take advantage of how the system works.

How to buy insurance coverage

Many insurance companies like State Farm and Allstate allow you to get pricing from their websites. The process is pretty painless as you simply enter on the page. After the form is submitted, their system pulls your driving and credit reports and returns pricing information based on these factors. Quoting online simplifies rate comparisons, but the process of having to visit many different websites and fill out multiple forms can be a bit repetitive. But it’s very important to do this if you are searching for lower prices.

The better way to compare rates

A better way to find lower prices utilizes a single form that obtains quotes from several companies at one time. This type of form saves time, requires less work, and makes online price comparison much more efficient. Immediately after submitting the form, it gets priced and you can select any of the quotes that you receive.

If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. It takes just a few minutes to complete and can result in significant savings.

To quickly find out how much you’re overpaying now, click here to open in new window and enter your vehicle and coverage information. If you have your current policy handy, we recommend you complete the form with the coverage information just like they are on your policy. This makes sure you are getting rate comparison quotes based on similar coverages.

Are you qualifying for every discount?

Auto insurance is neither fun to buy or cheap, but there could be available discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied at quote time, but a few need to be manually applied before they will apply.

• Discount for Good Grades – Maintaining excellent grades can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
• Professional Organizations – Having an affiliation with qualifying employment or professional organizations is a simple method to lower premiums on your next auto insurance statement.
• E-sign Discounts – A handful of companies may give you up to $50 for completing your application online.
• Auto/Life Discount – Companies who offer life insurance give lower premium rates if you buy some life insurance in addition to your auto policy.
• Discount for Swiching Early – A few auto insurance companies allow discounts for signing up before your current policy expires. It’s a savings of about 10%.

One thing to note about discounts is that many deductions do not apply the the whole policy. Most cut specific coverage prices like liability and collision coverage. Just because it seems like you could get a free auto insurance policy, auto insurance companies aren’t that generous.

To see insurance companies that can offer you the previously mentioned discounts, click here.

When in doubt talk to an agent

When it comes to choosing adequate coverage, there really is no best way to insure your cars. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that may help highlight whether or not you will benefit from professional help.

• Is a fancy paint job covered?
• Are all vehicle passengers covered by medical payments coverage?
• Am I better off with higher deductibles on my 2001 Chevy Silverado 3500?
• Am I getting all the discounts available?
• How much liability coverage do I need in my state?
• Why am I required to buy liability insurance?
• When should I buy a commercial auto policy?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area.

Car insurance coverages 101

Understanding the coverages of a car insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by car insurance companies.

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like vandalism, theft and damage from getting keyed. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision – Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as crashing into a ditch, hitting a mailbox and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Chevy Silverado 3500.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time these limits are similar to your liability insurance amounts.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for expenses such as prosthetic devices, rehabilitation expenses, nursing services, surgery and chiropractic care. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Coverage for 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 your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like structural damage, attorney fees, repair costs for stationary objects, medical expenses and medical services. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.