2012 Chevrolet Silverado 2500HD Insurance Cost

Looking for better auto insurance rates for your Chevrolet Silverado 2500HD? Finding better insurance prices for a Chevy Silverado 2500HD can be a painful process, but you can learn a few tricks to save time. There are both good and bad ways to buy auto insurance and we’ll show you the proper way to get price quotes for a new or used Chevy and obtain the lowest possible price either online or from local insurance agents.

It’s important to compare rates quite often since insurance rates are usually higher with each renewal. Just because you had the best deal for SilveradoHD coverage two years ago you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about auto insurance online, so by reading this article, you’re going to learn the easiest ways to quit paying high auto insurance rates.

Choosing the best insurance company for you is easy if you know what you’re doing. If you are insured now or are shopping for new coverage, you can follow these tips to get lower rates and possibly find even better coverage. Vehicle owners only need to know the most effective way to compare price quotes over the internet.

Car Insurance Quote Comparison

Most companies such as Progressive, Allstate and GEICO allow you to get coverage price quotes on their websites. Obtaining pricing is quite simple as you just enter your coverage preferences as detailed in the form. Once entered, the company’s rating system sends out for your driving and credit reports and gives you a price quote based on these factors.

Quoting online makes comparing rates easy, but having to visit each company’s website and repetitively enter the same data into a form can be a bit repetitive. But it is imperative to do this if you want to find better car insurance pricing.

There is a better way to compare rates

The preferred way to lower your car insurance bill requires only one form that obtains quotes from a lot of companies. It saves time, eliminates form submissions, and makes online quotes much easier to do. Immediately after you send the form, it gets priced and you can choose any or none of the price quotes you receive. If one or more price quotes are lower than your current rates, you simply finish the application and buy the policy. It just takes a couple of minutes and may save quite a bit of money.

To get comparison pricing now, simply click here to open in new window and begin entering your coverage information. If you have coverage now, it’s recommended you replicate the limits and deductibles just like they are on your policy. This way, you will get a price comparison based on the exact same insurance coverage.

Pay less by taking advantage of discounts

Car insurance companies don’t list all their discounts in an easy-to-find place, so we researched some of the best known and also the lesser-known discounts you could be receiving. If they aren’t giving you every credit possible, you are throwing money away.

  • Good Student – Getting good grades can earn a discount of 20% or more. The discount lasts until age 25.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Chevy could be rewarded with better rates on cars that stay parked.
  • Auto/Life Discount – Select insurance companies reward you with a discount if you purchase life insurance from them.
  • No Accidents – Drivers with accident-free driving histories can save substantially as compared to accident-prone drivers.
  • Accident Waiver – Certain companies allow you one accident without raising rates if you are claim-free for a particular time prior to the accident.
  • College Student – Youth drivers who live away from home and do not have a car may be able to be covered for less.
  • Safe Drivers – Safe drivers may save up to 50% more for SilveradoHD coverage than drivers with accidents.

It’s important to understand that most credits do not apply the the whole policy. Some only reduce specific coverage prices like medical payments or collision. So when the math indicates it’s possible to get free car insurance, you’re out of luck.

To see a list of insurers who offer auto insurance discounts, click this link.

Chevy Silverado 2500HD insurance rates have many determining factors

It’s important that you understand the factors that help determine your auto insurance rates. Knowing what influences your rates allows you to make educated decisions that could result in much lower annual insurance costs.

  • Pay less if you’re married – Having a spouse can get you a discount on your auto insurance policy. It translates into being more mature than a single person and it’s statistically proven that being married results in fewer claims.
  • Where you live is a factor – Living in small towns and rural areas can save you money when it comes to auto insurance. Less people living in that area translates into fewer accidents and a lower car theft rate. Urban drivers have to deal with traffic congestion and a longer drive to work. More time on the road can result in more accidents.
  • Don’t sacrifice liability coverage – Liability insurance is the protection in the event that a court rules you are at fault for damages from an accident. It provides legal defense which can be incredibly expensive. Liability is cheap compared to physical damage coverage, so buy as much as you can afford.
  • Never go without insurance – Driving your car without having proper coverage is illegal and as a result your rates will increase for letting your insurance lapse. And not only will insurance be more expensive, failure to provide proof of insurance will get you a hefty fine and possibly a revoked license.
  • Policy add-ons can waste money – There are many extra coverages that you can get tricked into buying on your 2012 Silverado 2500HD policy. Coverages for personal injury protection, accidental death and term life insurance are some examples. These may sound like a good investment when talking to your agent, but if they’re wasting money eliminate them to save money.
  • Better credit scores mean better rates – Having a bad credit score is a important factor in determining what you pay for auto insurance. Drivers who have good credit tend to be better drivers and file fewer claims than those with poor credit. If your credit is low, you could be paying less to insure your 2012 Chevrolet Silverado 2500HD by improving your rating.

Your coverage should be tailored to you

When it comes to buying the right insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.

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

  • Am I missing any policy discounts?
  • Is my camper covered by my car insurance policy?
  • Is a new car covered when I drive it off the dealer lot?
  • Can I afford to buy a different vehicle if my 2012 Chevy Silverado 2500HD is totaled?
  • Is my custom paint covered by insurance?
  • Should I have combined single limit or split liability limits?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Specifics of your insurance policy

Having a good grasp of a insurance policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses like doctor visits, EMT expenses, surgery and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

Liability coverage can cover damage that occurs to a person or their property by causing an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like bail bonds, repair costs for stationary objects, medical expenses and medical services. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Collision coverage

Collision insurance will pay to fix damage to your Silverado 2500HD from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like crashing into a building, backing into a parked car and rolling your car. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Comprehensive protection

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, a broken windshield, damage from getting keyed and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Shop Smart and Save

People leave their current company for many reasons like high prices, unfair underwriting practices, delays in paying claims and policy non-renewal. Whatever your reason, finding the right insurance provider is pretty easy and you might even save some money in the process.

When trying to cut insurance costs, it’s not a good idea to skimp on coverage in order to save money. There are many occasions where someone sacrificed liability coverage limits only to find out they didn’t have enough coverage. The ultimate goal is to find the BEST coverage at an affordable rate.

Cheap 2012 Chevy Silverado 2500HD insurance can be found online in addition to many insurance agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

Additional information