Searching for better auto insurance rates for your Chevrolet Silverado 3500HD? Locating better insurance prices for a Chevy Silverado 3500HD could be difficult, but you can use the following methods to save time. There is a better way to shop for auto insurance so you’re going to learn the proper way to get price quotes on a Chevy and obtain the cheapest rates from local insurance agents and online providers.
If you have a policy now or need a new policy, you can follow these tips to shop for the lowest rates and still get good coverage. Finding affordable auto insurance coverage is easy if you know what you’re doing. Vehicle owners just need to know the tricks to compare prices on the web.
An important part of buying insurance is that you know some of the elements that come into play when calculating the price you pay for car insurance. Having a good understanding of what determines base rates helps enable you to make changes that can help you get lower car insurance prices.
Companies that sell car insurance don’t necessarily list all available discounts in an easy-to-find place, so we break down both the well known as well as the least known discounts you could be receiving. If they aren’t giving you every credit you qualify for, you are paying more than you should be.
A little note about advertised discounts, most discount credits are not given the the whole policy. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, you’re out of luck.
Car insurance companies that may offer these discounts include:
Check with each insurance company which discounts you may be entitled to. Savings might not apply everywhere.
When choosing coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that might help in determining if you could use an agent’s help.
If you’re not sure about those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.
Knowing the specifics of your policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.
Collision coverage pays for damage to your Silverado 3500HD resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims such as hitting a parking meter, crashing into a building and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.
Comprehensive car insurance
This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims such as damage from flooding, vandalism, hitting a bird and hitting a deer. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Liability insurance can cover damages or injuries you inflict on people or other property. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.
Liability can pay for things such as court costs, attorney fees, repair bills for other people’s vehicles and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.
Coverage for uninsured or underinsured drivers
This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your 2011 Chevy Silverado 3500HD.
Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Coverage for medical expenses
Medical payments and Personal Injury Protection insurance pay for expenses for things like surgery, X-ray expenses, funeral costs and prosthetic devices. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Drivers who switch companies do it for a number of reasons such as not issuing a premium refund, questionable increases in premium, delays in responding to claim requests and even unfair underwriting practices. Regardless of your reason, choosing a new insurance company is not as hard as you think.
Low-cost 2011 Chevy Silverado 3500HD insurance can be bought from both online companies as well as from independent agents, so compare prices from both to have the best rate selection. There are still a few companies who don’t offer you the ability to get quotes online and these small insurance companies work with independent agents.
As you prepare to switch companies, never skimp on coverage in order to save money. Too many times, drivers have reduced liability limits or collision coverage to discover at claim time that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.
More tips and info about auto insurance is available in these articles: