2014 Chevrolet Silverado 2500HD Insurance Quotes

Looking for the cheapest insurance rates for your Chevrolet Silverado 2500HD? Have you had enough of not being able to afford to make your insurance payment? You have the same problem as the majority of other people. Because you have many companies to choose from, it can be impossible to find the lowest price insurance company.

It’s a great practice to take a look at other company’s rates quite often since insurance prices are usually higher with each renewal. Just because you found the best price on SilveradoHD coverage last year you will most likely find a better rate today. Forget all the misinformation about insurance because you’re about to learn one of the quickest ways to find the best coverage while lowering your premiums.

How to buy car insurance online

There are multiple methods to shop for car insurance, but one way is easier and takes less work. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you can utilize online quoting to quickly compare rates.

All the larger companies enroll in a system where insurance shoppers enter their policy data once, and at least one company then gives them pricing based on that data. This prevents consumers from doing form submissions to each company. To find out how much you’re overpaying now click here to start a free quote.

The one downside to comparing rates this way is buyers cannot specifically choose which providers you will receive quotes from. If you prefer to choose individual companies to request quotes from, we put together a list of the cheapest car insurance companies in your area. Click to view list.

Which method you use is up to you, but do your best to use apples-to-apples deductibles and coverage limits with each company. If the quotes have different data you can’t possibly make a fair rate comparison.

Don’t overlook these insurance discounts

Insurance can be pricey, but there could be available discounts that can help lower your rates. Certain discounts will be triggered automatically at the time of quoting, but some discounts are required to be asked about prior to receiving the credit. If you check and find you aren’t receiving every discount you deserve, it’s possible you qualify for a lower rate.

  • Theft Prevention System – Cars, trucks, and SUVs that have factory anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
  • Buy New and Save – Insuring a vehicle that is new can get you a discount since newer vehicles have better safety ratings.
  • Federal Employees – Active or retired federal employment could qualify for a slight premium decrease on SilveradoHD coverage depending on your company.
  • Telematics Data – Insureds who allow companies to monitor driving patterns by using a telematic data system such as State Farm’s In-Drive might get better premium rates if they show good driving skills.
  • ABS Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • Senior Citizen Discount – If you’re over the age of 55, you may be able to get reduced rates on SilveradoHD coverage.
  • Active Military Service – Being deployed with a military unit may lower your prices slightly.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class as it can save substantially.
  • No Accidents – Drivers who stay claim-free can save substantially in comparison to policyholders that have many claims.

A little disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Some only reduce individual premiums such as liability, collision or medical payments. If you do the math and it seems like adding up those discounts means a free policy, it’s just not the way it works.

A list of insurance companies and the discounts they provide include:

  • State Farm may offer discounts for multiple autos, good driver, accident-free, multiple policy, anti-theft, and student away at school.
  • Farmers Insurance discounts include pay in full, homeowner, multi-car, electronic funds transfer, and good student.
  • Progressive policyholders can earn discounts including online quote discount, homeowner, multi-policy, good student, and multi-vehicle.
  • Geico may have discounts that include five-year accident-free, multi-policy, daytime running lights, good student, anti-lock brakes, emergency military deployment, and multi-vehicle.
  • Auto-Owners Insurance has savings for paperless, company car, anti-lock brakes, safe vehicle, teen driver, and multiple vehicles.
  • The Hartford offers discounts including driver training, good student, bundle, vehicle fuel type, air bag, and defensive driver.
  • Farm Bureau has discounts for renewal discount, good student, safe driver, driver training, youthful driver, 55 and retired, and multi-vehicle.
  • USAA offers discounts for family discount, multi-policy, new vehicle, loyalty savings, good student, and defensive driver.

Double check with each insurance company how you can save money. Some discounts may not apply to policies in your state.

When to get professional advice

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique and your policy should reflect that. For example, these questions can aid in determining whether your personal situation would benefit from professional advice.

  • How can I force my company to pay a claim?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I have coverage when pulling a U-Haul trailer?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • What vehicles should carry emergency assistance coverage?
  • I have good health insurance, so how much medical payments coverage do I need?

If it’s difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Informed drivers can lower their insurance rates

Smart consumers have a good feel for some of the factors that aid in calculating the rates you pay for insurance. If you have some idea of what determines base rates, this enables informed choices that will entitle you to better insurance rates. Many different elements are used in the calculation when premium rates are determined. Most are fairly basic such as your driving record, but some are more obscure such as your marital status or your commute time.

  • that lower rates – Owning a car that has a built-in theft deterrent system can help lower your rates. Theft deterrent systems like OnStar, LoJack tracking, and tamper alarms can help prevent your vehicle from being stolen.
  • Rates can be impacted by your occupation – Do you work in a high-stress field? Occupational choices like lawyers, executives and emergency personnel generally pay higher rates than average due to stressful work requirements and lengthy work days. Other jobs such as farmers, students and the unemployed have the lowest average rates on SilveradoHD coverage.
  • You may save more by bundling policies – Most larger insurance companies afford a discount to people who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be five, ten or even twenty percent. Even with this discount applied, it’s in your best interest to comparison shop to verify if the discount is saving money.There is a chance you can find better rates by buying from different companies
  • Don’t let your coverage lapse – Driving without insurance coverage in place can get your license suspended and your next policy will cost more because you let your insurance lapse for non-payment. Not only will you pay higher rates, not being able to provide proof of insurance may result in fines and jail time.
  • Where you call home is a factor – Residing in small towns and rural areas can save you money when it comes to insurance. Drivers who live in large cities have congested traffic and longer commutes to work. Fewer drivers means a lower chance of having an accident and lower theft and vandalism rates.
  • Safety ratings are a factor – Vehicles with good safety scores tend to have better insurance rates. Vehicles engineered for safety reduce the chance of injuries and lower rates of occupant injuries means lower claim amounts and more competitive rates for policyholders. If your Chevy has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Liability coverage – Liability insurance provides coverage if ever a jury decides you are liable for personal injury or accident damage. Liability insurance provides for a legal defense to attempt to prove you were not liable. Liability is cheap when compared to the cost of physical damage coverage, so drivers should carry high limits.

Information about specific coverages

Understanding the coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types available from insurance companies.

Liability car insurance

This coverage protects you from damage or injury you incur to other’s property or people by causing an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims like attorney fees, funeral expenses, emergency aid and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your Chevy Silverado 2500HD.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Normally these limits are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

This coverage covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like theft, hitting a bird, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage

This pays for damage to your Silverado 2500HD resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sideswiping another vehicle, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses for nursing services, hospital visits, dental work, rehabilitation expenses and X-ray expenses. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

A fool and his money are soon parted

Low-cost 2014 Chevy Silverado 2500HD insurance is available on the web and from local agencies, and you need to comparison shop both so you have a total pricing picture. Some insurance providers do not offer online price quotes and most of the time these smaller companies only sell coverage through independent insurance agencies.

When shopping online for car insurance, never skimp on critical coverages to save a buck or two. There are too many instances where an insured cut uninsured motorist or liability limits and discovered at claim time that the small savings ended up costing them much more. Your goal should be to buy a smart amount of coverage at the lowest possible cost and still be able to protect your assets.

We just showed you many ways to reduce 2014 Chevy Silverado 2500HD insurance premium rates online. The key thing to remember is the more price quotes you have, the better your chances of lowering your prices. Consumers could even find that the most savings is with an unexpected company. Some small companies may often insure only within specific states and give getter rates compared to the large companies like State Farm and Allstate.

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