2002 Chevrolet Silverado 1500 Car Insurance Quotes

Want better insurance coverage rates for your Chevrolet Silverado 1500? Pricey Chevrolet Silverado 1500 insurance can dry up your personal savings and make it tough to pay other bills. Doing a rate comparison is a smart way to make sure you’re not throwing money away.

Consumers have so many car insurance companies to buy insurance from, and even though it’s nice to have a choice, it makes it harder to compare company pricing.

It’s a great practice to compare rates before your policy renews because rates change quite often. Even if you think you had the best rate for Silverado coverage on your last policy the chances are good that you can find a lower price today. There are a lot of ways to save on insurance coverage on the internet, but I’m going to show you some proven techniques to quit paying high insurance coverage rates.

The purpose of this article is to teach you how car insurance quotes work and some tips to save money. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these methods. Drivers only need to know the best way to shop online.

Buy insurance coverage online

All major insurance coverage companies such as Progressive, Geico, Allstate and State Farm provide coverage prices online. Obtaining pricing doesn’t take a lot of time as you just enter on the page. After you submit the form their rating system automatically retrieves your driving and credit reports and returns a price quote based on these factors. This makes it simple to compare prices but the time it takes to visit a lot of sites and enter the same data into a form gets old quite quickly. But it’s very important to have as many quotes as possible if you want to get better insurance coverage pricing.

The smarter way to find better insurance coverage pricing is to use a quote form that gets price quotes from several companies at one time. It saves time, eliminates repetitive work, and makes online quotes a lot less work. After sending the form, it is rated and you are able to buy any or none of the returned quotes.

If a lower price is quoted, you can click and sign and purchase the new policy. It takes 15 minutes at the most and may result in a nice savings.

In order to compare rates using this form now, click here to open in new window and complete the simple form. If you currently have coverage, we recommend you copy your coverages as shown on your current policy. This makes sure you will receive a rate comparison for the exact same coverage.

When do I need an agent’s advice?

When buying coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that might point out if your situation would benefit from professional advice.

• Is my trailer covered?
• How can I get my company to pay me more for my totalled car?
• Are my friends covered when driving my car?
• How many claims can I have before being cancelled?
• Is there coverage for injuries to my pets?
• Do I need replacement cost coverage?
• Are my tools covered if they get stolen from my vehicle?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Car insurance policy specifics

Understanding the coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are typical coverages available from car insurance companies.

Liability coverage – This coverage will cover injuries or damage you cause to people or other property that is your fault. It protects YOU from claims by 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. You commonly see limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things like legal defense fees, repair bills for other people’s vehicles, loss of income and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive car insurance – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from getting keyed, hitting a deer, a tree branch falling on your vehicle and fire damage. The most your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for expenses for things like chiropractic care, funeral costs and EMT expenses. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision – This coverage pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like crashing into a building, scraping a guard rail and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants 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. So UM/UIM coverage is very important. Frequently these limits are identical to your policy’s liability coverage.