2007 Chevrolet Silverado 1500 Insurance Quotes

Drivers have a choice when trying to find the best price on Chevy Silverado 1500 insurance. They can either spend hours driving around trying to get quotes or use the internet to get rate quotes. There is a right way and a wrong way to buy car insurance and you need to know the absolute fastest way to get price quotes for a Chevy and find the lowest price.

Buying car insurance is easy if you know what you’re doing. If you currently have a car insurance policy, you will most likely be able to save some money using these tips. Drivers only need to know the best way to shop their coverage around online.

Do you qualify for a discount?

Auto insurance companies do not advertise all available discounts very well, so we break down some of the more common as well as the least known discounts you could be receiving. If you don’t get every credit available, you are throwing money away.

  • Club Memberships – Belonging to certain professional organizations could qualify you for a break when shopping for car insurance on Silverado coverage.
  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • Distant Student – Kids in college who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Military Rewards – Being on active duty in the military may qualify for rate reductions.
  • Sign Online – Some insurance companies will give a small break for buying a policy and signing up on their website.
  • Auto/Home Discount – If you insure your home and vehicles with one company you will save 10% to 20% off each policy.
  • Federal Government Employee – Simply working for the federal government may qualify you for a discount on Silverado coverage depending on your company.
  • Braking Control Discount – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.

It’s important to note that many deductions do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like all the discounts add up to a free policy, it just doesn’t work that way.

Car insurance companies that may have some of the above discounts include:

Before buying, ask every prospective company which discounts they offer. All car insurance discounts might not be offered in every state.

Finding Auto Insurance Deals

There are multiple methods you can shop for 2007 Chevy Silverado 1500 auto insurance but one way is more efficient than others. You could spend your day talking to local insurance agents in your area, or you could use online quoting to get pricing more quickly.

Most car insurance companies take part in a program where prospective buyers send in one quote, and every company can provide price quotes for coverage. This eliminates the need for quote requests to each company.

To participate in this free quote system, click here (opens in new window).

The single downside to using this type of form is buyers cannot specifically choose which carriers to receive prices from. If you prefer to choose specific insurance companies to compare rates, we have assembled a list of auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just double check that you are using apples-to-apples coverage information for each comparison quote. If the quotes have differing limits then you won’t be able to make a fair comparison for your Chevy Silverado 1500.

What coverages do I need?

When it comes to choosing the best insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that might point out if your insurance needs may require specific advice.

  • Should I carry comprehensive and collision coverage?
  • Do I need rental car coverage?
  • Is pleasure use cheaper than using my 2007 Chevy Silverado 1500 to commute?
  • Why is insurance for a teen driver so high?
  • How can I get high-risk coverage after a DUI?
  • Is my ex-spouse still covered by my policy?
  • Is there coverage for injuries to my pets?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage breakdown

Having a good grasp of your policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Collision coverage

Collision coverage covers damage to your Silverado 1500 resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like colliding with another moving vehicle, crashing into a building, rolling your car and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Liability auto insurance

Liability insurance protects you from damages or injuries you inflict on other people or property in an accident. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability insurance covers things such as pain and suffering, repair costs for stationary objects, medical services, attorney fees and medical expenses. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as doctor visits, rehabilitation expenses and funeral costs. They are used in conjunction with a health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like vandalism, rock chips in glass and hail damage. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Chevy Silverado 1500.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Smart shoppers get results

You just read a lot of ways to save on 2007 Chevy Silverado 1500 insurance. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. You may even discover the lowest premiums are with the smaller companies.

Drivers who switch companies do it for many reasons like being labeled a high risk driver, lack of trust in their agent, questionable increases in premium and even high rates after DUI convictions. It doesn’t matter what your reason, finding a great new company is not as hard as you think.

Lower-priced insurance is definitely available on the web as well as from independent agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who don’t offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

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