2000 Chevrolet Silverado 1500 Insurance Quotes – 6 Discounts for Best Rates

Searching for lower car insurance rates for your Chevrolet Silverado 1500? Are you overwhelmed by the dozens of car insurance options? You’re not alone. Drivers have so many choices that it can quickly become a big hassle to find the perfect company for you.

Smart consumers take time to get comparison quotes once or twice a year because insurance rates change regularly. Just because you had the best deal for Silverado insurance two years ago the chances are good that you can find a lower rate today. Starting right now, forget all the misinformation about car insurance because I’m going to teach you one of the best ways to find better rates and still maintain coverage.

If you currently have car insurance, you will most likely be able to reduce your rates substantially using these tips. This information will help you learn how to get online quotes. But vehicle owners must know the way insurance companies sell insurance online because it can help you find the best coverage.

Compare Insurance Coverage Today

To find the best insurance coverage prices, there are several ways of comparing price quotes and find the best price. The easiest way by far to find the lowest 2000 Chevy Silverado 1500 rates is simply to get online rate quotes. This is very easy and can be done in just a few minutes using one of these methods.

The fastest way to get quotes for comparison is a comparison rater form click to view form in new window. This method saves time by eliminating separate quotation requests for each company. One form submission will get you rate comparisons from many national carriers. Just one form and you’re done.

A more difficult way to get comparison quotes consists of going to the website of each company and complete a new quote form. For examples sake, we’ll assume you want rates from Geico, Safeco and Farmers. To get each rate you have to take the time to go to each site and enter your policy data, which is why most consumers use the first method.

For a list of links to companies insuring cars in your area, click here.

The hardest way to compare rates is driving around to and from local insurance agencies. Shopping for insurance coverage online makes this process obsolete unless you prefer the trained guidance of a licensed agent. It is possible to comparison shop your insurance online and get advice from an agent in your area and we’ll touch on that later.

It’s up to you how you get prices quotes, just ensure you’re using exactly the same quote information for each comparison quote. If you compare mixed coverages you will not be able to make a fair comparison for your Chevy Silverado 1500. Just a small difference in limits may result in large price differences. And when comparison shopping, quoting more helps locate the best price.

It’s not one size fits all

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions could help you determine whether your personal situation might need an agent’s assistance.

• When can my company non-renew my policy?
• Am I covered if I break a side mirror?
• Is my babysitter covered when using my vehicle?
• Do I need PIP coverage since I have good health insurance?
• Am I covered when driving a rental car?
• What discounts do I qualify for?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form.

Auto insurance specifics

Knowing the specifics of a auto insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Chevy Silverado 1500.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like rehabilitation expenses, pain medications and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision coverages – Collision insurance covers damage to your Silverado 1500 resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like sideswiping another vehicle, driving through your garage door and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability auto insurance – This coverage protects you from damage that occurs to a person or their property. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for things like pain and suffering, repair costs for stationary objects, repair bills for other people’s vehicles and bail bonds. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Comprehensive auto insurance – This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, rock chips in glass, hail damage, falling objects and damage from a tornado or hurricane. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.