How Much Does 2010 Chevrolet Silverado 2500HD Insurance Cost?

Having to pay for pricey auto insurance can stress out your bank account and force you to cut corners elsewhere. Multiple auto insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies to find the absolute best rates possible.

Compare insurance coverage rates

All major insurance coverage companies like Progressive, Geico, Allstate and State Farm make it easy to get price estimates from their websites. Getting prices online is fairly simple as all you need to do is type in your coverage information as requested by the quote form. Behind the scenes, their quoting system will order your credit score and driving record and generates a price. Being able to quote online makes it a lot easier to compare rates but having to visit several different sites and fill out multiple forms is monotonous and tiresome. Unfortunately, it is important to get many rate quotes in order to find better insurance coverage pricing.

Isn’t there an easier way to compare rates?

The quickest way to lower your rates uses just one form that gets prices from a lot of companies. The form is fast, reduces the work, and makes price shopping online much easier to do. After sending the form, your coverage is rated and you can choose any or none of the quotes returned. If the quotes result in lower rates, you can simply submit the application and buy the policy. The whole process takes 15 minutes at the most and could lower your rates considerably.

To compare pricing, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you complete the form with the insurance coverages identical to your current policy. This makes sure you will get an apples-to-apples comparison for similar coverage.

How much insurance coverage do I need?

When buying the right insurance coverage for your vehicles, there really is no one size fits all plan. Every insured’s situation is different so this has to be addressed. These are some specific questions can help discover if your insurance needs might need professional guidance.

How many claims can I have before being cancelled?
Why is insurance for a teen driver so high?
What is UM/UIM insurance?
Does my policy cover me when driving someone else’s vehicle?
Is my 2010 Chevy Silverado 2500HD covered for flood damage?
When would I need additional glass coverage?
Do I need PIP (personal injury protection) coverage in my state?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and you can get the answers you need.

Auto insurance coverages

Having a good grasp of a auto insurance policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages found on most auto insurance policies.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from getting keyed, a tree branch falling on your vehicle, fire damage, a broken windshield and hitting a deer. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage

Collision insurance will pay to fix damage to your Silverado 2500HD resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with a tree, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

UM/UIM Coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your Chevy Silverado 2500HD.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical costs insurance

Med pay and PIP coverage provide coverage for bills for things like EMT expenses, hospital visits and doctor visits. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Liability auto insurance

Liability insurance provides protection from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like structural damage, emergency aid and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.