Cheaper 2014 Chevrolet Silverado 3500HD Insurance Rates

Searching for the cheapest auto insurance rates for your Chevrolet Silverado 3500HD? Finding lower rates for auto insurance is always a challenge for people who are new to shopping for insurance online. There are so many choices that it can be a ton of work to find lower rates.

Why your Chevy Silverado 3500HD might be costing you more

It’s important that you understand the rating factors that come into play when calculating car insurance rates. Knowing what impacts premium levels helps enable you to make changes that will entitle you to much lower annual insurance costs.

The list below includes some of the factors that factor into prices.

  • Extra add-on coverages are wasting money – There are quite a few extra bells and whistles you can purchase if you aren’t careful. Insurance for personal injury protection, better glass coverage and additional equipment coverage are some examples. They may seem good initially, but now you might not need them so eliminate the coverages to reduce your premium.
  • High credit ratings translate to low rates – A driver’s credit score is a important factor in calculating your car insurance rates. So if your credit is lower than you’d like, you could save money insuring your 2014 Chevrolet Silverado 3500HD by repairing your credit. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers with poor credit.
  • High numbers of claims are not good – If you are a frequent claim filer, you can definitely plan on higher rates. Car insurance companies give lower rates to insureds who file claims infrequently. Insurance coverage is intended for major claims that would cause financial hardship.
  • Bad driving skills means higher rates – Drivers who don’t get tickets tend to pay less for car insurance than people who have multiple driving citations. Only having one ticket can bump up the cost twenty percent or more. Drivers who get severe violations like DUI or reckless driving may be required to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
  • Lower rates with optional equipment – Owning a car with an alarm system can save you a little every year. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your vehicle from being stolen.
  • Are you male or female? – Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean women are better drivers. They both tend to get into accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to get more serious tickets like DUI and reckless driving. Youthful male drivers are the most expensive to insure and therefore are the most expensive to insure.
  • Do you know your deductibles? – Physical damage deductibles define the amount you are willing to pay if you file a covered claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply could be running into the backend of another car, collision with an animal, and burglary. The more you are required to pay out-of-pocket, the less your car insurance will be for SilveradoHD coverage.
  • Do you have a high stress job? – Jobs such as real estate brokers, architects and accountants have higher rates than average because of high stress levels and long work days. On the flip side, professions such as actors, athletes and retirees get better rates for SilveradoHD coverage.

Cheap Car Insurance Comparisons

There are several ways to compare rate quotes and find the best price. The easiest way to find the lowest 2014 Chevy Silverado 3500HD rates is to perform an online rate comparison. This can be accomplished in just a few minutes using one of these methods.

  1. The single most time-saving way to find the lowest comparison rates is an all-inclusive rate comparison click here to open form in new window. This form eliminates the need for separate quotes for every car insurance company. Just one form will return quotes from multiple companies. Just one form and you’re done.
  2. A different way to find lower rates requires a trip to each individual company website to request a price quote. For example, let’s assume you want to compare rates from Auto-Owners, Geico and Allstate. To get rate quotes you would need to take the time to go to each site to enter your coverage information, which is why the first method is quicker.

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

Whichever method you choose, ensure you’re using identical quote information on every quote. If you use mixed coverages you can’t possibly determine the best price for your Chevy Silverado 3500HD. Having just a slight variation in coverages can make a big difference in price. And when price shopping your coverage, more quotes will enable you to find a lower rate.

Save on 2014 Chevy Silverado 3500HD insurance

Companies offering auto insurance don’t list all available discounts in a way that’s easy to find, so we researched some of the more common and also the lesser-known savings tricks you should be using.

  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy qualifies for this discount.
  • Seat Belts Save more than Lives – Requiring all passengers to use a seat belt could cut 10% or more off your medical payments premium.
  • Senior Citizens – If you qualify as a senior citizen, you may qualify for reduced rates for SilveradoHD coverage.
  • Clubs and Organizations – Being a member of certain professional organizations could qualify you for a break when buying insurance for SilveradoHD coverage.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
  • Defensive Driving Course – Successfully completing a course in driver safety could cut 5% off your bill if your company offers it.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.

It’s important to note that most discounts do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as comp or med pay. So despite the fact that it appears having all the discounts means you get insurance for free, companies wouldn’t make money that way.

To see a list of providers with the best insurance discounts, click this link.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there is no perfect coverage plan. Every situation is different.

For example, these questions can help discover whether your personal situation may require specific advice.

  • Is my camper covered by my car insurance policy?
  • What is the ISO rating for a 2014 Chevy Silverado 3500HD?
  • Does having multiple vehicles earn me a discount?
  • Do I have coverage for damage caused while driving under the influence?
  • When should I buy a commercial auto policy?
  • Can my teen drive my company car?
  • How do I buy GAP insurance?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Does medical payments coverage apply to all occupants?
  • Where can I find DUI or SR-22 insurance?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form.

Specific coverages for a Chevy Silverado 3500HD

Learning about specific coverages of your policy can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Collision – This will pay to fix damage to your Silverado 3500HD resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as backing into a parked car, colliding with another moving vehicle, hitting a parking meter and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

UM/UIM Coverage – This provides protection when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Chevy Silverado 3500HD.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for rehabilitation expenses, X-ray expenses, doctor visits, prosthetic devices and surgery. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from getting keyed, a tree branch falling on your vehicle, falling objects and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Liability insurance – This will cover damage or injury you incur to other’s property or people. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like medical services, structural damage, pain and suffering and court costs. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Buy online or local, you save

In this article, we covered a lot of techniques to get a better price on 2014 Chevy Silverado 3500HD insurance. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. Consumers could even find that the most savings is with a lesser-known regional company.

Drivers change insurance companies for many reasons like delays in paying claims, not issuing a premium refund, unfair underwriting practices and poor customer service. It doesn’t matter why you want to switch switching companies is actually quite simple.

Low-cost insurance can be bought from both online companies and with local insurance agents, so compare prices from both to get a complete price analysis. There are still a few companies who do not offer online price quotes and these small, regional companies work with independent agents.

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