2011 Chevrolet Silverado 3500HD Car Insurance Rates – 9 Savings Tips

Searching for the cheapest auto insurance rates for your Chevrolet Silverado 3500HD? Locating the cheapest insurance for a Chevy Silverado 3500HD can be an all-consuming task, but you can learn our auto insurance buying tips and make it easy. There are more efficient ways to find auto insurance online so you’re going to learn the proper way to price shop coverage for your Chevy and get the lowest possible price from both online companies and local agents.

It’s smart to compare rates every six months because auto insurance prices change quite often. Just because you found the best deal on SilveradoHD insurance a year ago there may be better deals available now. You can find a lot of misleading information regarding auto insurance online, but in a few minutes you can learn some great ways to reduce your auto insurance bill.

If you have a current insurance policy or are shopping for new coverage, you can use these tips to find the best rates and possibly find even better coverage. Buying cheaper protection is quite easy. Consumers only need an understanding of the proper methods to find the lowest price online.

Drivers can save with with these nine discounts

Some insurers don’t necessarily list every available discount very clearly, so the following list contains a few of the more common and also the more inconspicuous credits available to lower your premiums when you buy insurance coverage online. If you aren’t receiving every discount available, you are not getting the best rate possible.

  • Smart Student Discounts – This discount may save you up to 25%. Many companies even apply the discount to college students until age 25.
  • Home Ownership Discount – Owning a home may earn you a small savings because of the fact that having a home is proof of financial responsibility.
  • Multi-car Discount – Insuring multiple cars with the same car insurance company can get a discount on all vehicles.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags may get savings of up to 25% or more.
  • Drive Safe and Save – Safe drivers can save as much as half off their rates on SilveradoHD insurance than drivers with accident claims.
  • Federal Government Employee – Active or retired federal employment can save as much as 8% on SilveradoHD insurance depending on your company.
  • Active Military Service – Having an actively deployed family member could be rewarded with lower prices.
  • ABS Braking Discount – Cars with ABS braking systems or traction control are much safer to drive so companies give up to a 10% discount.
  • Discount for Multiple Policies – When you have multiple policies with the same company you may save nearly 15% which can help you find cheaper insurance coverage.

As a footnote on discounts, most discount credits are not given the the whole policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though you would think having all the discounts means you get insurance for free, companies wouldn’t make money that way.

The best car insurance companies and their offered discounts are shown below.

  • Farmers Insurance has savings for teen driver, bundle discounts, pay in full, business and professional, and good student.
  • State Farm includes discounts for driver’s education, anti-theft, Steer Clear safe driver discount, multiple autos, safe vehicle, defensive driving training, and student away at school.
  • Liberty Mutual offers premium reductions for multi-car, safety features, new graduate, good student, preferred payment discount, hybrid vehicle, and new vehicle discount.
  • MetLife offers discounts including accident-free, multi-policy, good driver, good student, claim-free, defensive driver
  • Progressive discounts include online signing, continuous coverage, multi-vehicle, online quote discount, good student, and homeowner.

If you need affordable insurance coverage quotes, ask each company or agent which discounts can lower your rates. All car insurance discounts may not be offered in every state. For a list of companies with significant discounts, click this link.

The quickest way to compare car insurance company rates takes advantage of the fact most larger insurance companies participate in a system to give free rates quotes. The only thing you need to do is provide details such as whether you are married, driver details, whether the vehicles are used for commuting, and if you require a SR-22. Your information is then submitted to multiple insurance providers and they return cost estimate with very little delay.

Your situation helps dictate your coverage

When it comes to choosing the right insurance coverage, there really is no perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that may help highlight whether you could use an agent’s help.

  • Will my insurance pay for OEM parts?
  • Am I covered when driving someone else’s vehicle?
  • Am I covered if I hit a deer?
  • Should I put collision coverage on all my vehicles?
  • What should my uninsured motorist coverage limits be in my state?
  • Is business property covered if stolen from my car?
  • Do I need higher collision deductibles?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Auto insurance myths debunked

Drivers can’t get away from ads that promise big savings from companies such as State Farm, Geico and Progressive. All the companies try to convey promises that you can save if you move to them.

How do they all cost less than your current company? You have to listen carefully.

Companies quote the lowest rates for the driver that will add to their bottom line. One example of this type of risk profile could possibly be between the ages of 30 and 50, has never had a policy lapse, and has a short commute. Any new insured that matches those criteria will get the preferred prices and as a result will probably save when switching.

People who may not quite match the requirements may be required to pay a more expensive rate and this results in the prospect going elsewhere. If you listen to the ad wording, they say “customers who switch” not “everyone that quotes” save money. This is how companies can advertise the savings. This really illustrates why you need to get as many free insurance coverage quotes as possible. It’s not possible to predict which auto insurance company will fit your personal profile best.

Auto insurance coverage considerations

Knowing the specifics of your policy can help you determine which coverages you need for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Liability coverage

Liability coverage will cover damage that occurs to other people or property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as repair bills for other people’s vehicles, loss of income, medical services, legal defense fees and emergency aid. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Medical costs insurance

Med pay and PIP coverage provide coverage for short-term medical expenses for ambulance fees, X-ray expenses and surgery. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

UM/UIM Coverage

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Chevy Silverado 3500HD.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as theft, vandalism, a tree branch falling on your vehicle, damage from a tornado or hurricane and damage from flooding. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision protection

This coverage covers damage to your Silverado 3500HD resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with another moving vehicle, hitting a parking meter and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Smart consumers save more

When buying insurance coverage, you should never buy poor coverage just to save money. There have been many situations where an insured cut liability limits or collision coverage and found out when filing a claim they didn’t have enough coverage. Your objective should be to purchase a proper amount of coverage at a price you can afford, but do not skimp to save money.

People leave their current company for a variety of reasons including poor customer service, being labeled a high risk driver, not issuing a premium refund or even delays in paying claims. Regardless of your reason for switching companies, finding the right auto insurance provider is less work than it seems.

Discount 2011 Chevy Silverado 3500HD insurance can be found on the web as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some auto insurance companies don’t offer online price quotes and most of the time these small insurance companies only sell coverage through independent agents.

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