2013 Chevrolet Silverado 3500HD Insurance Rates – 7 Policy Discounts

Want cheaper insurance rates? Drivers have many options when trying to find the best price on Chevy Silverado 3500HD insurance. They can either waste time calling around to compare prices or utilize the internet to compare rates. There is a better way to find insurance online and you need to know the proper way to quote coverages on a Chevy and obtain the best price possible from local insurance agents and online providers.

If you have a current auto insurance policy or are shopping for new coverage, you can use this information to get lower rates while maximizing coverage. This article will help educate you on the most effective way to quote insurance and some tricks to saving. Vehicle owners just need to know the best way to compare rates over the internet.

The method we recommend to compare insurance rates from multiple companies takes advantage of the fact most larger insurance companies pay for the opportunity to compare rate quotes. The one thing you need to do is provide a little information such as marital status, driver ages, the type of vehicles you drive, and if the car is leased. That information is then submitted to multiple top-rated companies and you will receive price estimates within a short period of time.

To find lower rates now, click here and complete the quick form.

Tailor your coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions could help you determine whether you would benefit from an agent’s advice.

  • Do I need higher collision deductibles?
  • How much underlying liability do I need for an umbrella policy?
  • Does my 2013 Chevy Silverado 3500HD qualify for pleasure use?
  • What if I total my 2013 Chevy Silverado 3500HD and owe more than it’s worth?
  • Should I buy more coverage than the required minimum liability coverage?
  • Does my policy cover me when driving someone else’s vehicle?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed 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.

What auto insurance coverages do you need?

Having a good grasp of a auto insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Chevy Silverado 3500HD.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Comprehensive coverage – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a bird, damage from getting keyed, falling objects and damage from flooding. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for expenses for ambulance fees, prosthetic devices and funeral costs. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Auto liability – This coverage will cover damage or injury you incur to other people or property. It protects YOU from claims by other people, and doesn’t cover 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 values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like loss of income, repair bills for other people’s vehicles, court costs and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like backing into a parked car, crashing into a ditch, hitting a mailbox, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.