2013 Chevrolet Silverado 1500 Insurance Quotes

When looking for more affordable insurance, are you frustrated by the crazy number of auto insurance companies in your area? There are so many companies available that it is a big hassle to find better prices.

Finding cheaper auto insurance coverage is not that difficult. Just about every vehicle owner who buys auto insurance will more than likely be able to find lower rates. But car owners must know how the larger insurance companies compete online and use this information to your advantage.

What impacts Chevy Silverado 1500 insurance prices?

One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the things that help determine the level of your policy premiums. When you know what positively or negatively impacts premium levels, this enables informed choices that could result in lower rates. Many different elements are used in the calculation when quoting car insurance. Some factors are common sense like an MVR report, although some other factors are less apparent like where you live or your vehicle rating.

The following are some of the most common factors insurance coverage companies consider when setting your rate level.

  • Teen drivers pay higher prices – Beginning drivers are statistically proven to get distracted easily in a vehicle so insurance coverage rates are higher. More experienced drivers are more responsible, cost insurance companies less in claims and tend to be get fewer driving tickets.
  • Men drivers tend to cost more – Over the last 50 years, statistics have shown females are less aggressive when driving. It does not mean females are better at driving than males. Females and males tend to get into at-fault accidents in similar numbers, but the men get into accidents with more damage. They also get cited for more serious violations such as reckless driving. Male drivers age 16 to 19 have the highest risk to insure so they pay the highest premiums.
  • Do you know your comp and collision deductibles? – Physical damage coverage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your Chevy. Some coverage claims would be colliding with a building, hitting a deer, and having your car stolen. Comp and collision deductibles are the amount of money you are required to spend in the event of a claim. The larger the amount you have to pay, the lower your rates will be on Silverado coverage.
  • Insurance rates in urban areas – Living in a small town has it’s advantages when trying to find low car insurance rates. Fewer drivers and short commutes means less chance of accidents as well as less vandalism and auto theft. Drivers in populated areas have to deal with more road rage incidents and much longer commute distances. Longer commute distances means higher likelihood of an accident.
  • Coverage lapses lead to higher rates – Allowing your insurance coverage policy to lapse can be a guaranteed way to increase your renewal premiums. Not only will you pay more, not being able to provide proof of insurance might get you fines and jail time.
  • Put fewer miles on your vehicle – The higher the miles on your Chevy annually the more you will pay for insurance coverage. Many insurance companies price each vehicle’s coverage determined by how the vehicle is used. Cars that do not get driven very much receive better premium rates than those that get driven frequently. It’s a smart idea to ensure your insurance coverage policy states annual mileage, because improper ratings can cost you money. An incorrectly rated Silverado 1500 may be costing you higher rates.

Do you qualify for discount insurance coverage?

Companies that sell car insurance don’t necessarily list every policy discount in a way that’s easy to find, so the list below gives a summary of both the well known as well as some of the hidden savings tricks you should be using when you buy car insurance online.

  • Discount for Passive Restraints – Factory air bags or motorized seat belts may get savings of 20 to 30 percent.
  • Driver Training Discounts – Participating in a safe driver course could save 5% or more depending on where you live.
  • Military Deployment Discount – Being deployed with a military unit may lower your insurance coverage rates slightly.
  • Paperwork-free – A few larger companies give back up to $50 just for signing your application over the internet.
  • Discount for New Cars – Buying a new car instead of a used car may earn a small discount because new model year vehicles have to meet stringent safety requirements.
  • Accident Waiver – This one isn’t a discount, but a few companies such as Liberty Mutual, Allstate and State Farm permit an accident without getting socked with a rate hike if your claims history is clear for a certain period of time.

It’s important to note that most of the big mark downs will not be given to the entire policy premium. Most only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, companies don’t profit that way.

Some companies that possibly offer some of the above discounts may include but are not limited to:

When quoting, ask every insurance company the best way to save money. Some of the earlier mentioned discounts may not be available in your area. To locate providers offering insurance coverage discounts, click this link.

Advertising myths

Popular auto insurance providers such as Progressive, Geico, Allstate and State Farm endlessly run television, radio, and online ads. All the ads convey the message of big savings just by switching your auto insurance policy to them. Is it even possible that every company can make the same claim? Just pay attention to how they say it.

Insurance companies give the best rates for the right customer that will not have excessive claims. One example of a desirable insured should be a married female, has other policies, and has great credit. A driver who fits those characteristics will get low car insurance rates and will also save if they switch.

Consumers who fall outside those standards will see higher rates and the prospect going elsewhere. The ads state “drivers that switch” not “all people who quote” can get the lowest rates when switching. This is how companies can truthfully make those claims.

Because of the profiling, you really should get as many free car insurance quotes as possible. Because you never know with any certainty which company will have the best car insurance rates for your profile.

What insurance coverages do I need?

When it comes to buying the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For example, these questions might help in determining if your situation might need professional guidance.

  • Should I sign the liability waiver when renting a car?
  • Does my 2013 Chevy Silverado 1500 qualify for pleasure use?
  • Which companies will insure high-risk drivers?
  • Do I pay less if my vehicle is kept in my garage?
  • Who is covered when they drive my 2013 Chevy Silverado 1500?
  • Which is better, split liability limits or combined limits?
  • Why am I required to get a high-risk car insurance policy?
  • What is covered by UM/UIM coverage?
  • How do I insure my teen driver?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form.

Specific coverages for a 2013 Chevy Silverado 1500

Having a good grasp of a car insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for immediate expenses for dental work, ambulance fees and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision protection

This coverage will pay to fix damage to your Silverado 1500 caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like backing into a parked car, sideswiping another vehicle, colliding with another moving vehicle and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive car insurance

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, hitting a bird, damage from a tornado or hurricane, damage from getting keyed and hail damage. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto liability insurance

Liability insurance provides protection from injuries or damage you cause to people or other property. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as emergency aid, pain and suffering and medical expenses. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Chevy Silverado 1500.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Make an honest buck

You just learned a lot of tips how to get a better price on 2013 Chevy Silverado 1500 insurance. It’s most important to understand that the more companies you get auto insurance rates for, the better your comparison will be. You may even discover the lowest rates are with a small local company.

As you quote car insurance, it’s very important that you do not reduce coverage to reduce premium. Too many times, an insured dropped uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. Your aim should be to find the BEST coverage at a price you can afford.

Some companies do not offer online quoting and most of the time these smaller companies sell through independent insurance agencies. More affordable car insurance is attainable online as well as from insurance agents, and you should compare price quotes from both in order to have the best chance of saving money.

Much more information about car insurance is located at these links: