Lower Your 2015 Chevrolet Silverado 3500HD Insurance Quotes

Locating low-cost insurance for a Chevy Silverado 3500HD can turn out to be a lot of work, but you can follow these tips to make it easier.

There is a right way and a wrong way to find car insurance online so you’re going to learn the quickest way to compare rates for a Chevy and get the lowest price.

Get lower rates with these auto insurance discounts

Auto insurance companies don’t always list all disounts very clearly, so here is a list a few of the more well known and also the more inconspicuous credits that you can use to lower your rates.

  • Seat Belt Discounts – Forcing all vehicle occupants to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
  • Accident Forgiveness – Not a discount per se, but certain companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
  • Military Deployment Discount – Being deployed with a military unit may qualify for rate reductions.
  • Telematics Data – Policyholders that allow their company to spy on driving manner by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm might get better premium rates as long as they are good drivers.
  • Homeowners Savings – Owning a home can get you a discount because of the fact that having a home demonstrates responsibility.
  • Save with More Vehicles Insured – Having more than one vehicle with the same auto insurance company can get a discount on all vehicles.
  • Theft Deterent – Cars, trucks, and SUVs with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Fewer Miles Equal More Savings – Driving less can earn slightly better prices than normal.
  • Good Student Discount – This discount can save 20 to 25%. Earning this discount can benefit you up until you turn 25.

As is typical with insurance, most of the big mark downs will not be given to the overall cost of the policy. Most only cut individual premiums such as liability and collision coverage. So when it seems like all those discounts means the company will pay you, you won’t be that lucky.

A few popular companies and a partial list of their discounts are outlined below.

  • Farmers Insurance may include discounts for homeowner, mature driver, multi-car, youthful driver, good student, and alternative fuel.
  • Esurance offers discounts including multi-policy, claim free, multi-car, paid-in-full, defensive driver, and renters.
  • State Farm discounts include Drive Safe & Save, defensive driving training, Steer Clear safe driver discount, good driver, anti-theft, and student away at school.
  • Geico includes discounts for air bags, five-year accident-free, military active duty, seat belt use, driver training, daytime running lights, and anti-theft.
  • Allstate offers premium reductions for anti-lock brakes, new car, farm vehicle, utility vehicle, and passive restraint.

When getting free auto insurance quotes, it’s a good idea to every company which discounts they offer. Discounts might not be offered everywhere. To see auto insurance companies that offer some of these discounts, click this link.

Car insurance can get complicated

When buying coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions may help highlight if you may require specific advice.

  • When should I drop full coverage on my 2015 Chevy Silverado 3500HD?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Am I covered if I wreck a rental car?
  • Is my trailer covered?
  • Do I need roadside assistance coverage?
  • How do I file an SR-22 for a DUI in my state?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What is medical payments coverage?
  • Do I need more liability coverage?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Coverage specifics

Knowing the specifics of your auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Auto liability insurance – Liability coverage can cover damage or injury you incur to a person or their property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things like legal defense fees, medical services, court costs and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Collision – Collision insurance covers damage to your Silverado 3500HD resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with another moving vehicle, rolling your car, crashing into a building, hitting a parking meter and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers – This provides protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Silverado 3500HD.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages are set the same as your liablity limits.

Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like vandalism, hitting a bird and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense insurance – Coverage for medical payments and/or PIP kick in for immediate expenses like doctor visits, EMT expenses, pain medications, nursing services and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Make an honest buck

Insureds change insurance companies for many reasons like high rates after DUI convictions, extreme rates for teen drivers, delays in responding to claim requests and even poor customer service. It doesn’t matter why you want to switch switching insurance coverage companies can be pretty painless.

When shopping online for insurance coverage, do not skimp on critical coverages to save a buck or two. Too many times, an accident victim reduced liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The goal is to purchase plenty of coverage for the lowest price, not the least amount of coverage.

In this article, we covered a lot of information how to compare 2015 Chevy Silverado 3500HD insurance premium rates online. The key thing to remember is the more you quote auto insurance, the better your comparison will be. Drivers may discover the biggest savings come from a small mutual company.

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