2009 Chevrolet Silverado 2500HD Car Insurance Quotes – 9 Tips to Save

Looking for the cheapest auto insurance rates for your Chevrolet Silverado 2500HD? Finding the cheapest insurance for a Chevy Silverado 2500HD can be a painful process, but you can follow a few tricks to save time.

There is a right way and a wrong way to find auto insurance online and we’ll show you the proper way to price shop coverage for a new or used Chevy and obtain the lowest price.

It’s smart to do rate comparisons as often as possible because prices change regularly. Despite the fact that you may have had the lowest price for SilveradoHD coverage on your last policy you can probably find a better rate quote now. Block out anything you think you know about auto insurance because we’re going to demonstrate the quickest way to find better coverage at a better price.

Finding auto insurance

Comparing auto insurance rates can be a daunting task if you don’t know the fastest way to get free quotes. You could spend your day driving to local insurance agents in your area, or you can stay home and use online quoting to get the quickest rates.

Many of the larger companies belong to a marketplace where prospective buyers submit their information once, and at least one company can provide price quotes. This saves time by eliminating form submissions for every auto insurance company.

To fill out one form to compare multiple rates now click here (opens in new window).

The only drawback to doing it this way is that consumers can’t choose which companies you want to price. So if you prefer to pick specific insurance companies to compare prices, we put together a list of auto insurance companies in your area. Click here to view list.

Whichever method you choose, make sure you use nearly identical coverage limits with every price quote. If you use different deductibles you will not be able to decipher which rate is best.

Don’t believe everything you hear

Consumers get pounded daily by advertisements for cheaper car insurance from companies such as 21st Century, Allstate and State Farm. They all advertise claims that people will save just by switching your car insurance policy to them.

How does every company offer drivers better rates? This is the trick they use.

Companies require specific criteria for the type of customer that will not have excessive claims. For example, a profitable insured might be between 25 and 40, has no tickets, and drives a vehicle with a low ISO rating. Anybody who meets those qualifications will get the preferred prices and will probably save money with a new company.

Insureds who do not match this stringent profile will be charged higher premium rates which usually ends up with the customer not buying. The trick companies use is to say “drivers who switch” not “all people who quote” save that kind of money. That’s why insurance companies can make those claims.

That is why you really should get a wide range of price quotes. Because without a comparison, you cannot know which car insurance company will have the lowest rate quotes.

Get lower-cost rates with these nine discounts

Some companies don’t always list every discount very clearly, so here is a list some of the more common and also the more inconspicuous credits that may apply to you.

  • Claim Free – Insureds who avoid accidents and claims are rewarded with significantly better rates on insurance coverage quote compared to bad drivers.
  • Homeowners Savings – Just owning your own home may earn you a small savings because it shows financial diligence.
  • Paper-free Discount – Some of the larger companies give back up to $50 for buying a policy and signing up on their website.
  • Defensive Driver Discounts – Passing a driver safety course could cut 5% off your bill and make you a better driver.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in school.
  • Student Discounts – A discount for being a good student may save you up to 25%. This discount can apply up to age 25.
  • Military Deployment Discount – Having a deployed family member could mean lower premium rates.
  • Anti-lock Brake System – Cars and trucks that have anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Full Payment Discount – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.

Drivers should understand that most discount credits are not given to the overall cost of the policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that it’s possible to get free car insurance, you aren’t that lucky.

Companies that have these discounts are:

Double check with each insurance company which discounts they offer. Some discounts might not apply in every state. For a list of companies with significant discounts, follow this link.

Insurance coverage can be complex

When buying adequate coverage, there isn’t really a best way to insure your cars. Each situation is unique.

Here are some questions about coverages that may help highlight if your situation would benefit from professional advice.

  • Why am I required to buy liability insurance?
  • Why am I required to buy high-risk coverage?
  • Am I covered if I crash into my own garage door?
  • How much liability do I need to cover my assets?
  • Where can I find high-risk insurance?
  • Is my nanny covered when driving my vehicle?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Auto insurance policy specifics

Having a good grasp of auto insurance aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for collisions

This covers damage to your Silverado 2500HD caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with a tree, scraping a guard rail and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses for hospital visits, rehabilitation expenses, X-ray expenses, funeral costs and surgery. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers you and your occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Chevy Silverado 2500HD.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, vandalism and rock chips in glass. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability coverage

This provides protection from injuries or damage you cause to people or other property in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things like emergency aid, bail bonds, pain and suffering, repair bills for other people’s vehicles and loss of income. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

A penny saved is a penny earned

As you quote insurance coverage, it’s a bad idea to buy less coverage just to save a little money. Too many times, an insured dropped liability coverage limits and learned later that saving that couple of dollars actually costed them tens of thousands. The goal is to buy a smart amount of coverage at an affordable rate, but do not skimp to save money.

Drivers leave their current company for any number of reasons including poor customer service, denial of a claim, lack of trust in their agent or policy cancellation. Whatever your reason, finding a great new company can be easier than you think.

The cheapest 2009 Chevy Silverado 2500HD insurance is attainable both online and with local insurance agents, and you should compare rates from both to have the best rate selection. Some companies don’t offer online price quotes and these small, regional companies sell through independent agents.

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