How Much Does 2010 Chevrolet Silverado 3500HD Insurance Cost?

Trying to find lower auto insurance rates for your Chevrolet Silverado 3500HD? Searching for low-cost insurance for a new or used Chevy Silverado 3500HD can be a painful process, but you can use a few tricks to make it easier. There is a better way to buy auto insurance so we’re going to tell you the best way to compare rates for a new or used Chevy and locate the best price possible from local insurance agents and online providers.

You should make it a habit to compare prices quite often since insurance rates go up and down regularly. Even if you think you had the best deal for SilveradoHD coverage on your last policy the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because you’re about to learn one of the best ways to find great coverage at a great price.

Buying car insurance is easy if you know what you’re doing. If you have a policy now or are shopping for new coverage, you can use these tips to get lower rates and still get good coverage. Drivers only need an understanding of the most effective way to compare rates online.

Impacting insurance rates for a Chevy Silverado 3500HD

Consumers need to have an understanding of the different types of things that go into determining the price you pay for insurance coverage. Knowing what controls the rates you pay allows you to make educated decisions that will entitle you to lower insurance coverage prices.

  • Lower rates come with age – Young drivers have a tendency to be careless and easily distracted when driving so they pay higher insurance coverage rates. Having to add a teenage driver to your policy can be very expensive. More mature drivers are more cautious drivers, statistically cause fewer accidents and receive fewer citations.
  • Careful drivers pay lower rates – Just one citation can bump up the cost forty percent or more. Drivers who don’t get tickets tend to pay less for car insurance than their less careful counterparts. Drivers who have dangerous citations like DUI or reckless driving may need to submit a SR-22 form with the DMV in their state in order to prevent a license revocation.
  • Better credit means lower rates – Your credit history is a big factor in determining what you pay for insurance coverage. If your credit history is not that good, you could potentially save money when insuring your 2010 Chevrolet Silverado 3500HD by improving your credit score. Drivers with good credit tend to file fewer claims and have better driving records than drivers with lower credit scores.
  • Where you live is a factor – Choosing to live in small towns and rural areas is a positive aspect when talking about insurance coverage. Drivers in populated areas regularly have more traffic problems and a longer drive to work. Less people living in that area means fewer accidents and a lower car theft rate.
  • Theft deterrents lower rates – Choosing a vehicle with a theft deterrent system can get you a discount on your insurance coverage. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.
  • What are your deductibles? – The deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Examples of covered claims are running into the backend of another car, damage from fire, and windstorm damage. The more money you’re willing to pay, the less your insurance coverage will be for SilveradoHD coverage.
  • How many coverages with the same company – The majority of insurance coverage companies will give a discount to customers who buy several policies from them. It’s known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even though this discount sounds good, it’s in your best interest to comparison shop to ensure the best deal.

Best discounts on Chevy Silverado 3500HD coverage

Companies don’t necessarily list every available discount very clearly, so we researched some of the more common and the harder-to-find insurance coverage savings. If you’re not getting every credit available, you are paying more than you should be.

  • Accident Free – Drivers with accident-free driving histories pay much less as compared to bad drivers.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates for SilveradoHD coverage than drivers with accident claims.
  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. This discount can apply up to age 25.
  • New Car Discount – Adding a new car to your policy can save up to 30% compared to insuring an older model.
  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Seat Belts Save – Requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Some only apply to specific coverage prices like liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, insurance coverage companies aren’t that generous.

Companies that may offer these money-saving discounts may include but are not limited to:

Double check with each company which discounts you may be entitled to. Discounts might not apply in your area.

Beware of misleading insurance ads

Consumers constantly see and hear ads for car insurance savings by Allstate and Progressive. They all seem to say the same thing about savings if you change to their company.

How can each company make the same claim?

All companies have a preferred profile for the driver that earns them a profit. A good example of a profitable customer could be over the age of 50, has no tickets, and has great credit. Any new insured who matches those parameters will get very good rates and is almost guaranteed to cut their rates substantially.

Potential customers who don’t qualify for these standards will be quoted a more expensive rate and ends up with the driver buying from a lower-cost company. The ads say “drivers who switch” not “people who quote” save money. This is how companies can advertise the way they do. This emphasizes why you should compare many company’s rates. You cannot predict which company will provide you with the cheapest Chevy Silverado 3500HD insurance rates.

Tailor your coverage to you

When it comes to buying coverage for your vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover whether or not you might need an agent’s assistance.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is my cargo covered for damage or theft?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What are the best liability limits?
  • Is rental equipment covered for theft or damage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • How much underlying liability do I need for an umbrella policy?
  • When can my company non-renew my policy?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Specific coverages for a 2010 Chevy Silverado 3500HD

Understanding the coverages of your car insurance policy can help you determine appropriate coverage for your vehicles. Car insurance terms can be ambiguous and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision)

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as rock chips in glass, vandalism, hail damage and hitting a deer. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Chevy Silverado 3500HD.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Auto collision coverage

Collision coverage will pay to fix damage to your Silverado 3500HD resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as rolling your car, sustaining damage from a pot hole, hitting a mailbox and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Auto liability

This provides protection from damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like funeral expenses, medical services and court costs. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses like pain medications, rehabilitation expenses, dental work and funeral costs. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Keep this in mind

In this article, we presented many ideas to get a better price on 2010 Chevy Silverado 3500HD insurance. The most important thing to understand is the more you quote, the more likely it is that you will get a better rate. You may even find the most savings is with some of the smallest insurance companies.

Lower-priced insurance can be bought both online in addition to many insurance agents, so you should be comparing quotes from both to get a complete price analysis. A few companies do not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

Consumers leave their current company for many reasons like denial of a claim, unfair underwriting practices, high prices or even policy cancellation. No matter why you want to switch, finding a great new company is pretty easy and you might even save some money in the process.

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