How Much Does 2014 Chevrolet Silverado 3500HD Insurance Cost?

Buyers have a choice when searching for the best price on Chevy Silverado 3500HD insurance. You can either waste hours contacting agents to compare prices or use the internet to find the lowest rates. There are more efficient ways to compare car insurance rates so we’re going to tell you the quickest way to quote coverages for your Chevy and find the cheapest rates from both online companies and local agents.

It is always a good idea to get comparison quotes before your next renewal because car insurance prices are adjusted regularly by insurance companies. Even if you got the best rate for SilveradoHD insurance last year there may be better deals available now. There is a lot of wrong information about car insurance on the web, but in a few minutes you can learn the best ways to reduce your car insurance bill.

If you have insurance now or are just looking to switch companies, you can use this information to find better prices while maximizing coverage. The purpose of this post is to introduce you to how to effectively get price quotes and some tips to save money. Drivers only need to know the tricks to compare price quotes online.

How to find affordable insurance coverage

Cutting your insurance coverage rates is surprisingly easy. Consumers just need to take time comparing rates online from several insurance companies. It is quite easy and can be accomplished using a couple different methods.

  • One of the best ways to find the lowest comparison rates is a comparison rater form like this one (opens in new window). This method eliminates the need for a different quote for every prospective company. One simple form will get you price quotes instantly. It’s the fastest way to compare.
  • A slightly less efficient method to find more affordable insurance requires a visit to each individual company website and go through the quote process again. For examples sake, we’ll pretend you want to compare prices for State Farm, Allstate and Travelers. You would need to take the time to go to each site to input your insurance information, which can be really labor intensive.

    For a list of links to insurance companies in your area, click here.

  • The final method of comparing rate quotes is making phone calls or going to local insurance agencies. Quoting and buying insurance online reduces the need to sit down with an agent unless you require the professional assistance only provided by licensed agents. Although you can price shop online but buy from a local insurance agent.

Whichever method you choose, make darn sure you compare nearly identical coverages and limits for every quote you compare. If you are comparing different liability limits it will be impossible to make an equal comparison.

Auto insurance buyers beware

Consumers can’t get away from all the ads that claim the best rates from companies such as State Farm, Allstate and Geico. All the ads advertise the message that drivers can save some big amount after switching to them.

That’s great but how can every company sell you cheaper insurance coverage? This is how they do it.

Auto insurance companies look for specific characteristics for the type of driver that is profitable for them. For instance, a preferred risk could possibly be a female over age 40, owns their home, and has great credit. Any customer who matches those parameters will get very good car insurance rates and will save money with a new company.

Potential insureds who do not meet these stringent criteria will be quoted more expensive rates and business going elsewhere. The wording the ads use say “people that switch” but not “all drivers who get quotes” save the amount stated. That’s the way companies can lure you into getting a quote. That is why you should compare rate quotes every year. Because you never know with any certainty which company will have better premium rates than you’re paying now.

Discounts for cheaper car insurance rates

Companies that sell car insurance don’t necessarily list every policy discount in an easy-to-find place, so here is a list both the well known and the more hidden discounts that may be available.

  • Life Insurance – Select insurance companies reward you with lower premium rates if you buy some life insurance in addition to your auto policy.
  • Military Discounts – Being on active deployment in the military may qualify for rate reductions.
  • First Accident Forgiveness – but companies like Geico and Liberty Mutual permit an accident before your rates go up if you are claim-free for a set time period.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class if it’s offered in school.
  • Federal Government Employee – Federal government employees can save as much as 8% for SilveradoHD insurance with some car insurance companies.
  • Organization Discounts – Joining a qualifying organization can get you a small discount on your bill.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents so companies give up to a 10% discount.

Remember that most discounts do not apply the the whole policy. A few only apply to individual premiums such as liability and collision coverage. So when it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.

A few companies that may have some of the above discounts include:

If you need lower rates, check with all companies you are considering to give you their best rates. Some discounts listed above might not be offered in your state. For a list of insurance companies who offer free car insurance quotes, click this link.

You may need specialized car insurance coverage

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions may help highlight whether your personal situation would benefit from professional advice.

  • Do I pay less for low miles?
  • Should I buy additional glass protection?
  • How can I find cheaper teen driver insurance?
  • Is business equipment covered while in my vehicle?
  • Are my friends covered when driving my car?
  • How do I buy GAP insurance?
  • Am I insured when driving a different vehicle?
  • What is an SR-22 filing?
  • What should my uninsured motorist coverage limits be in my state?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance policy specifics

Having a good grasp of insurance aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2014 Chevy Silverado 3500HD.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Collision insurance

This will pay to fix damage to your Silverado 3500HD resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, hitting a mailbox, crashing into a ditch and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as doctor visits, funeral costs and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability car insurance

Liability coverage can cover damages or injuries you inflict on other’s property or people in an accident. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers claims such as repair costs for stationary objects, loss of income, pain and suffering, structural damage and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, damage from getting keyed, damage from flooding, fire damage and hitting a bird. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

What is YOUR best insurance company?

Drivers switch companies for a variety of reasons including being labeled a high risk driver, extreme rates for teen drivers, high prices or questionable increases in premium. It doesn’t matter what your reason, finding a great new company is easier than you think.

We just showed you a lot of ways to shop for 2014 Chevy Silverado 3500HD insurance online. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may even discover the lowest car insurance rates come from the least-expected company.

While you’re price shopping online, you should never skimp on critical coverages to save a buck or two. There are too many instances where someone sacrificed liability limits or collision coverage and discovered at claim time they didn’t have enough coverage. Your goal should be to get the best coverage possible at the lowest possible cost, but do not skimp to save money.

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