Lower Your 2004 Chevrolet Silverado 1500 Insurance Quotes

Looking for the cheapest auto insurance rates for your Chevrolet Silverado 1500? Comparison shopping for auto insurance can seem to be a challenge for consumers not familiar with comparison shopping online. Drivers have so many choices that it can easily become a lot of work to locate the lowest price.

Quick Auto Insurance Quotes

There are multiple methods you can shop for 2004 Chevy Silverado 1500 auto insurance but one way is more efficient than others. You could spend your day driving to insurance agencies in your area, or you can utilize online quoting to get pricing more quickly.

Many companies participate in an industry program that allows shoppers to enter their coverage request one time, and each company can give them a price determined by their information. This saves time by eliminating form submissions to each company.

To use this form to compare 2004 Chevy Silverado 1500 insurance rates click to open in new window.

The one disadvantage to doing it this way is buyers cannot specifically choose the companies to get pricing from. If you would rather choose specific providers for rate comparison, we have a listing of auto insurance companies in your area. View list of insurance companies.

Whichever method you choose, make sure you use the exact same coverage limits and deductibles with every price quote. If you have different deductibles it’s impossible to find the best deal for your Chevy Silverado 1500. Having just a slight variation in insurance coverages can make a big difference in price. It’s important to know that having more price comparisons helps you find lower pricing.

Take advantage of discounts

Auto insurance companies do not advertise all their discounts in an easy-to-find place, so we took the time to find some of the best known and the more hidden insurance savings.

  • Clubs and Organizations – Participating in a civic or occupational organization may earn a discount when buying insurance for Silverado insurance.
  • Early Signing – Some companies give discounts for signing up before your current expiration date. This can save 10% or more.
  • Good Students Pay Less – This discount can save 20 to 25%. This discount can apply well after school through age 25.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Silverado insurance than drivers with accident claims.
  • Claim Free – Drivers with accident-free driving histories pay much less when compared with accident-prone drivers.
  • Driver’s Ed – Require your teen driver to successfully complete driver’s ed class in school.

It’s important to understand that some credits don’t apply to all coverage premiums. Most only cut the cost of specific coverages such as collision or personal injury protection. Just because you may think you could get a free insurance policy, insurance companies aren’t that generous.

Insurance companies that may have these benefits include:

Check with every prospective company which discounts they offer. Some discounts might not apply in every state.

How to know if you need help

When it comes to buying the best car insurance coverage for your vehicles, there is no best way to insure your cars. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining if you might need an agent’s assistance.

  • Is my nanny covered when driving my vehicle?
  • What are the best liability limits?
  • Can I afford low physical damage deductibles?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I covered when driving a rental car?
  • Can I still get insurance after a DUI?
  • Am I covered if I hit a deer?
  • Should I rate my 2004 Chevy Silverado 1500 as pleasure use or commute?
  • Should I get collision insurance on every vehicle?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Auto insurance coverage information

Understanding the coverages of insurance can be of help when determining appropriate coverage for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Collision coverage

Collision insurance pays for damage to your Silverado 1500 resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like sideswiping another vehicle, scraping a guard rail, hitting a mailbox, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical expense insurance

Med pay and PIP coverage kick in for immediate expenses such as hospital visits, chiropractic care, dental work and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Liability car insurance

Liability insurance provides protection from damages or injuries you inflict on people or other property that is your fault. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers things such as loss of income, repair bills for other people’s vehicles, attorney fees and legal defense fees. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as rock chips in glass, falling objects and damage from getting keyed. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Never pay more for less

In this article, we presented a lot of ways to get a better price on 2004 Chevy Silverado 1500 insurance. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest rates come from some of the lesser-known companies.

The cheapest insurance can be purchased online and also from your neighborhood agents, so compare prices from both to get a complete price analysis. Some insurance coverage companies may not provide you the ability to get quotes online and these smaller companies work with independent agents.

Drivers who switch companies do it for many reasons like being labeled a high risk driver, not issuing a premium refund, high rates after DUI convictions and even delays in responding to claim requests. It doesn’t matter what your reason, finding the right insurance coverage provider can be easy and end up saving you some money.

More tips and info about insurance coverage can be read at these sites: