2013 Chevrolet Silverado 2500HD Car Insurance Rates

Looking for the cheapest auto insurance rates for your Chevrolet Silverado 2500HD? Saving money on Driversauto insurance can be kind of frustrating for drivers not familiar with online price comparisons. With such a large number of companies in the marketplace, it can easily turn into a ton of work to locate the lowest rates.

It’s a good habit to take a look at other company’s rates before your next renewal because auto insurance prices change frequently. Even if you got the best price for SilveradoHD insurance a year ago other companies may now be cheaper. Forget all the misinformation about auto insurance because we’re going to demonstrate one of the easiest ways to get good coverage at a lower rate.

Finding affordable coverage is not rocket science. Essentially anyone who is required by state law to have insurance coverage most likely will be able to find better rates. But drivers must know the way insurance companies sell online and use this information to your advantage.

How to get auto insurance quotes

Effectively comparing auto insurance prices can take hours if you don’t know the fastest way to get free quotes. You could spend the better part of a day driving to insurance agencies in your area, or you can utilize online quoting to get the quickest rates.

Many popular insurance companies take part in a program that allows shoppers to send in one quote, and each participating company then returns a price quote based on that data. This prevents consumers from doing quote forms to each company.

To fill out one form to compare multiple rates now click to open in new window.

The only drawback to getting quotes like this is you can’t choose which providers you will receive quotes from. So if you prefer to choose specific insurance companies to compare, we have a page of the cheapest auto insurance companies in your area. Click here to view list.

How you compare quotes is your choice, just try to use the exact same coverage limits and deductibles on every price quote you get. If you are comparing different data it’s impossible to determine which rate is truly the best. Even a minor difference in coverage limits may result in a large different in cost. Keep in mind that comparing more quotes gives you a better chance of getting more affordable insurance.

More discounts mean cheaper premiums

Car insurance is neither fun to buy or cheap, but you might find some hidden discounts that you may not know about. Some trigger automatically when you quote, but a few need to be specifically requested before being credited.

  • Driver Education Discount – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
  • Cautious Driver Discounts – Safe drivers may save up to 50% more for SilveradoHD insurance than drivers with accidents.
  • Full Payment Discount – By paying your policy upfront rather than paying in monthly installments you may reduce your total bill.
  • Senior Discount – Mature drivers may qualify for better car insurance rates for SilveradoHD insurance.
  • Save with a New Car – Buying insurance on a new vehicle may earn a small discount because newer models keep occupants safer.
  • Homeowners Pay Less – Being a homeowner may earn you a small savings since owning and maintaining a home means you have a higher level of financial diligence.

Consumers should know that most credits do not apply to your bottom line cost. Most only cut specific coverage prices like liability and collision coverage. So even though they make it sound like you can get free auto insurance, that’s just not realistic.

Popular car insurance companies and some of their more popular discounts are included below.

  • Geico may offer discounts for defensive driver, seat belt use, anti-lock brakes, military active duty, good student, and emergency military deployment.
  • USAA discounts include vehicle storage, family discount, good student, multi-policy, driver training, defensive driver, and annual mileage.
  • Progressive offers premium reductions for multi-policy, good student, continuous coverage, online quote discount, and online signing.
  • American Family has savings for good student, multi-vehicle, early bird, accident-free, bundled insurance, TimeAway discount, and good driver.
  • Esurance offers discounts for claim free, DriveSense, online shopper, good driver, online quote, paid-in-full, and Pac-12 alumni.
  • Farmers Insurance offers discounts including electronic funds transfer, alternative fuel, switch companies, homeowner, bundle discounts, business and professional, and early shopping.
  • State Farm policyholders can earn discounts including multiple autos, multiple policy, good driver, accident-free, driver’s education, anti-theft, and safe vehicle.

When quoting, ask every insurance company to give you their best rates. Depending on the company, some discounts may not be available in your area. If you would like to choose from a list of car insurance companies who offer car insurance discounts, click here to view.

Buy more affordable insurance coverage with these tips

Smart consumers have a good feel for the different types of things that go into determining the level of your policy premiums. If you understand what determines premiums, this enables you to make decisions that can earn you much lower annual insurance costs.

  • Bump up deductibles to lower rates – Insurance for physical damage, aka comp and collision, helps pay for damage to your vehicle. Some instances where coverage would apply are running into the backend of another car, hitting a deer, and damage from a fallen tree branch. The deductibles you choose define how much you are willing to pay if a covered claim is submitted. The more money you’re willing to pay, the less your insurance coverage will be for SilveradoHD insurance.
  • Liability insurance is critical – A critical coverage on your policy, liability insurance will protect you in the event that you are found to be at fault for an accident. This coverage provides legal defense to defend your case. Liability insurance is pretty cheap compared to comp and collision, so do not skimp.
  • High premiums for younger drivers – Beginning drivers are known to be easily distracted when driving with friends therefore insurance coverage rates are much higher. Having to add a youthful driver to your policy can cause a big jump in price. Mature drivers tend to be more responsible, file fewer claims and are safer drivers.
  • Never let your coverage expire – Driving with no insurance is illegal and as a result your rates will increase for letting your insurance lapse for non-payment. Not only will rates go up, failure to provide proof of insurance may result in a hefty fine and possibly a revoked license.
  • Insurance rates in urban areas – Choosing to live in less populated areas has definite advantages when trying to find low car insurance rates. City drivers have more road rage incidents and much longer commute distances. Less people means fewer accidents and lower theft and vandalism rates.
  • Put fewer miles on your vehicle – The more you drive your Chevy in a year’s time the more it will cost to insure it. Almost all companies apply a rate based on how the vehicle is used. Autos that are left in the garage receive better premium rates than cars that get driven a lot. A policy that improperly rates your Silverado 2500HD can result in significantly higher rates. It’s always a good idea to double check that your insurance coverage declarations sheet is showing the proper vehicle usage.
  • When should you not file a insurance claims? – Companies give the lowest premiums to drivers who are not frequent claim filers. If you file a lot of claims you can look forward to either higher rates or even cancellation. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.

It’s not one size fits all

When choosing proper insurance coverage for your personal vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions might point out whether you might need an agent’s assistance.

  • Are my friends covered when driving my car?
  • Can my teen drive my company car?
  • Do I have coverage when using my vehicle for my home business?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my dog or cat covered if injured in an accident?
  • What can I do if my company won’t pay a claim?
  • Exactly who is provided coverage by my policy?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form.

Auto insurance coverage specifics

Knowing the specifics of a auto insurance policy can help you determine which coverages you need and proper limits and deductibles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 2013 Chevy Silverado 2500HD.

Since many drivers have only the minimum liability required by law, 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.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for expenses like rehabilitation expenses, hospital visits, doctor visits, pain medications and chiropractic care. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Liability

This coverage will cover damages or injuries you inflict on people or other property that is your fault. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers claims like funeral expenses, court costs and repair costs for stationary objects. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision protection

Collision coverage covers damage to your Silverado 2500HD resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as crashing into a building, sideswiping another vehicle, hitting a parking meter and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverages

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as rock chips in glass, hitting a deer and damage from flooding. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Cheaper insurance is a realistic goal

You just learned a lot of ways to get a better price on 2013 Chevy Silverado 2500HD insurance. The key thing to remember is the more companies you get premium rates for, the higher your chance of finding low cost car insurance. Consumers could even find that the lowest car insurance rates come from the least-expected company.

Cheaper auto insurance is possible from both online companies in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance providers may not have online price quotes and usually these regional carriers only sell coverage through independent insurance agencies.

As you shop your coverage around, make sure you don’t reduce coverage to reduce premium. In many instances, consumers will sacrifice comprehensive coverage or liability limits only to discover later that they should have had better coverage. Your strategy should be to get the best coverage possible at the lowest possible cost while not skimping on critical coverages.

Additional auto insurance information can be read at these links: