2003 Chevrolet Silverado 3500 Insurance Quotes

Want better insurance coverage rates for your Chevrolet Silverado 3500? Having to pay for pricey Chevrolet Silverado 3500 insurance can overdraw your savings account and make it hard to pay other bills. Comparing cost estimates can be a smart way to tighten up your finances.

Numerous insurers battle for your business, and it can be difficult to compare rates to find the best rate

How to compare auto insurance quotes

The majority of larger companies like 21st Century, Allstate and State Farm make it easy to get price estimates online. The process is very simple as all you need to do is type in the coverages you want as detailed in the form. When complete, the quote system sends out for information on your driving record and credit history and returns pricing information based on the information you submitted. Online quotes makes it a lot easier to compare rates but the time it takes to visit each company’s website and repetitively type in your information is not the best way to spend an afternoon. But it’s necessary to get many rate quotes in order to get the best price possible.

A more efficient way to find lower prices utilizes a single form that gets prices from more than one company. The form is fast, eliminates repetitive work, and makes price shopping online much simpler. As soon as the form is sent, it is quoted and you can choose your choice of the price quotes you receive.

If the quotes result in lower rates, you simply finish the application and purchase the new policy. The whole process can be completed in less than 10 minutes and can result in significant savings.

To save time and get comparison pricing now, click here to open in new window and fill out the form. To compare your current rates, we recommend you copy the coverages as shown on your current policy. This makes sure you will be getting an apples-to-apples comparison for similar insurance coverage.

Affordable insurance coverage quotes with discounts

Some insurers don’t necessarily list every possible discount very well, so we took the time to find both the well known and also the lesser-known credits available to lower your premiums when you buy car insurance online.

  • Bundle and Save – When you have multiple policies with the same company you may earn nearly 15% which can help you find inexpensive car insurance.
  • Good Driver Discount – Drivers without accidents can save as much as half off their rates on Silverado coverage compared to accident prone drivers.
  • Sign Early and Save – A few larger companies give discounts for switching companies before your current expiration date. It could save around 10% when you buy car insurance online.
  • Savings for New Vehicles – Buying a new car model may earn a small discount since new model year vehicles are generally safer.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up before driving could save 15% off the personal injury premium cost.
  • Driver’s Education for Students – Require your teen driver to sucessfully take a drivers education course as it can save substantially.
  • Discount for Passive Restraints – Options like air bags and/or automatic seat belt systems can get savings of up to 25% or more.
  • Own a Home and Save – Just being a homeowner may trigger a policy discount on insurance coverage because it demonstrates responsibility.
  • 55 and Retired – Seniors are able to get a small discount on rates on Silverado coverage.
  • Multi-car Discount – Buying a policy with multiple cars or trucks with the same insurance coverage company could earn a price break for each car.

Don’t be shocked that most discount credits are not given to the entire policy premium. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, it’s just not the way it works. But any discount will help lower your overall bill.

A list of insurance coverage companies and a selection of discounts are shown below.

  • Progressive offers discounts including online quote discount, homeowner, continuous coverage, online signing, and multi-policy.
  • AAA offers discounts for multi-car, education and occupation, good student, multi-policy, and good driver.
  • Farmers Insurance may offer discounts for youthful driver, bundle discounts, good student, homeowner, and multi-car.
  • Geico may include discounts for military active duty, federal employee, multi-policy, membership and employees, air bags, and daytime running lights.
  • Esurance includes discounts for good driver, good student, anti-lock brakes, emergency road assistance, Pac-12 alumni, DriveSense, and safety device.
  • SAFECO offers premium reductions for bundle discounts, accident prevention training, teen safe driver, multi-car, and safe driver.
  • State Farm may have discounts that include anti-theft, passive restraint, multiple autos, defensive driving training, safe vehicle, and Drive Safe & Save.

If you are trying to find affordable car insurance quotes, ask all companies you are considering to apply every possible discount. Savings might not be offered on policies in every state. For a list of insurers offering insurance coverage discounts, click here to view.

Tailor your insurance coverage to you

When it comes to choosing coverage for your vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions may help you determine whether your personal situation would benefit from an agent’s advice.

  • Will I lose any money if I cancel my policy before it expires?
  • Does medical payments coverage apply to all occupants?
  • Why is insurance for a teen driver so high?
  • Am I covered if I hit a deer?
  • What can I do if my company denied a claim?
  • Do I need PIP coverage since I have good health insurance?
  • How many claims can I have before being cancelled?
  • Do I really need UM/UIM coverage?
  • What exactly is covered by my policy?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance coverages explained

Learning about specific coverages of a auto insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most auto insurance policies.

Coverage for medical expenses – Med pay and PIP coverage pay for expenses for pain medications, surgery and dental work. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision coverage – This pays for damage to your Silverado 3500 from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a parking meter, hitting a mailbox and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people 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 very important. Usually these limits are similar to your liability insurance amounts.

Comprehensive auto insurance – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, damage from getting keyed, a tree branch falling on your vehicle and a broken windshield. The most your auto 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 not worth carrying full coverage.

Coverage for liability – This will cover damage that occurs to other’s property or people that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things like legal defense fees, medical services, structural damage and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Cheaper insurance is a realistic goal

When trying to cut insurance costs, it’s not a good idea to skimp on critical coverages to save a buck or two. In many instances, an insured dropped full coverage only to regret at claim time that they should have had better coverage. Your objective should be to purchase plenty of coverage at the lowest possible cost, but do not skimp to save money.

We just showed you a lot of information how to lower your 2003 Chevy Silverado 3500 insurance prices. The most important thing to understand is the more you quote car insurance, the better your comparison will be. You may even discover the best prices are with the smaller companies. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Geico and State Farm.

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