1999 Chevrolet Silverado 1500 Insurance Quotes – 6 Tricks for Cheapest Rates

Searching for the cheapest insurance coverage rates for your Chevrolet Silverado 1500? Sick and tired of scraping the payment together to buy car insurance? Your situation is no different than many other drivers. Since consumers have many options when it comes to insurance coverage, it is very difficult to find the best insurance company.

Compare the Market for Insurance

There are several ways you can shop for Chevy Silverado 1500 insurance and some are less time-consuming than others. You can waste a few hours (or days) driving to agents in your area, or you could save time and use the web to achieve your goal.

All the larger companies take part in a program that enables customers to enter their coverage request one time, and at least one company returns a rated price based on that data. This system prevents you from having to do quote forms to each individual insurance company.

To fill out one form to compare multiple rates now click here to open in new window.

The one disadvantage to comparing rates this way is that you can’t choose which providers you will receive quotes from. If you wish to select from a list of companies to compare prices, we have assembled a list of companies who write insurance in your area. Click here to view list.

However you get your quotes, double check that you are using identical coverage limits and deductibles for each price quote. If your comparisons have different values for each quote it will be next to impossible to make a fair comparison for your Chevy Silverado 1500.

How to reduce Chevy Silverado 1500 insurance rates

Companies don’t always list every available discount very well, so we break down both the well known and the harder-to-find discounts you could be receiving. If you don’t get every credit you deserve, you are throwing money away.

  • Senior Discount – Mature drivers may qualify for reduced rates for Silverado insurance.
  • Military Discounts – Being on active duty in the military could mean lower rates.
  • Homeowners Pay Less – Owning a house can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Organization Discounts – Participating in a professional or civic organization could qualify you for a break on your policy for Silverado insurance.
  • New Vehicle Savings – Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of more than 20%.

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comp or med pay. Just because you may think it’s possible to get free car insurance, you won’t be that lucky.

For a list of companies with the best auto insurance discounts, follow this link.

Tailor your coverage to you

When it comes to choosing coverage, there is no best way to insure your cars. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that may help highlight if you would benefit from professional advice.

  • Is my babysitter covered when using my vehicle?
  • Do I need added coverage for expensive stereo equipment?
  • How can I get high-risk coverage after a DUI?
  • Why is insurance for a teen driver so high?
  • Does insurance cover damages from a DUI accident?
  • Do I have coverage when using my vehicle for my home business?
  • How high should my uninsured/underinsured coverage be in my state?
  • Exactly who is provided coverage by my policy?
  • How much can I save by bundling my policies?
  • Do I have any recourse if my insurance company denies a claim?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Specific coverages for a Chevy Silverado 1500

Learning about specific coverages of your auto insurance policy helps when choosing appropriate coverage for your vehicles. Auto insurance terms can be confusing and coverage can change by endorsement. These are the usual coverages offered by auto insurance companies.

Comprehensive coverage (or Other than Collision)

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from getting keyed, falling objects and rock chips in glass. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 1999 Chevy Silverado 1500.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Auto collision coverage

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a building, crashing into a ditch, backing into a parked car and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability car insurance

This coverage will cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that translate to $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 coverage protects against claims such as pain and suffering, legal defense fees and loss of income. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses for things like EMT expenses, funeral costs, nursing services and chiropractic care. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Money doesn’t grow on trees

Budget-conscious 1999 Chevy Silverado 1500 insurance can be purchased online as well as from independent agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies don’t offer you the ability to get quotes online and these small, regional companies work with independent agents.

When buying insurance coverage, you should never buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed liability limits or collision coverage and learned later that the few dollars in savings costed them thousands. The aim is to buy the best coverage you can find for the lowest price while still protecting your assets.

Additional car insurance information is available on the following sites: