2009 Chevrolet Silverado 3500HD Car Insurance Rates

Want cheaper insurance coverage rates for your Chevrolet Silverado 3500HD? If shopping for insurance coverage online is new to you, it’s easy to get confused due to the large number of insurance coverage companies offering coverage.

How to Get Auto Insurance Comparison Quotes

To find the best auto insurance prices, there are several ways of comparing rate quotes and find the best price. One of the best ways to find the cheapest 2009 Chevy Silverado 3500HD insurance rates is to get quotes online. It is quite easy and can be accomplished in several different ways.

  1. Probably the best way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This type of form saves time by eliminating separate quotes for each company. One simple form gets you price quotes direct from many companies. This is by far the quickest method.
  2. A different way to find lower rates requires a trip to each company website and request a quote. For sake of this example, we’ll assume you want rates from Nationwide, Liberty Mutual and Geico. To find out each rate you need to visit each site to input your insurance information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

However you get your quotes, be sure to compare apples-to-apples information for each price quote. If you are comparing different liability limits it will be very difficult to make a fair comparison for your Chevy Silverado 3500HD. Just a small difference in insurance coverages can result in a big premium difference. Just keep in mind that having more price comparisons will improve the odds of getting a better price.

Car insurance is unique, just like you

When choosing the best insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every situation is different.

For example, these questions can aid in determining whether your personal situation will benefit from professional help.

  • Does insurance cover tools stolen from my truck?
  • Is my cargo covered for damage or theft?
  • Am I better off with higher deductibles on my 2009 Chevy Silverado 3500HD?
  • Are rental cars covered under my policy?
  • Should I put collision coverage on all my vehicles?
  • At what point should I drop full coverage?
  • Am I covered if hit by an uninsured driver?

If you can’t answer these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance coverage information

Knowing the specifics of insurance aids in choosing the best coverages for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive coverages

This pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as fire damage, falling objects, damage from getting keyed, a tree branch falling on your vehicle and hail damage. The highest amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for bills for things like funeral costs, pain medications, prosthetic devices, dental work and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

This coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Silverado 3500HD.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Liability coverage

Liability insurance provides protection from damages or injuries you inflict on a person or their property in an accident. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability insurance covers things such as emergency aid, medical services, structural damage, attorney fees and funeral expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision protection

This coverage covers damage to your Silverado 3500HD caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with another moving vehicle, driving through your garage door, scraping a guard rail, hitting a parking meter and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.