2015 Chevrolet Silverado 1500 Insurance Quotes – 7 Ideas for Cheapest Rates

Are you tired of paying out the nose to buy car insurance? You are in the same boat as many other drivers.

There are many auto insurance companies to insure vehicles with, and even though it’s nice to be able to choose, lots of choices makes it harder to find a good deal.

Insurance Quote Comparison

The are a couple different ways of comparing rate quotes from different insurance companies. By far the easiest way to find the cheapest 2015 Chevy Silverado 1500 insurance rates consists of shopping online. This is very easy and can be done in just a few minutes using one of these methods.

  1. The best way to get quotes for comparison is a comparison rater form (click to open form in new window). This method saves time by eliminating boring form submissions for each company. One simple form gets you coverage quotes from insurance companies with the best prices.
  2. Another way to get comparison quotes consists of visiting the website for every company you want to comare to complete a price quote. For example, let’s assume you want rates from State Farm, Esurance and American Family. You would have to take the time to go to each site and enter your information, which is why the first method is quicker.

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

Whichever method you choose, make darn sure you compare the exact same deductibles and coverage limits for every quote you compare. If you have different values for each quote it’s not possible to find the best deal for your Chevy Silverado 1500. Having just a slight variation in coverage limits could mean much higher rates. And when quoting insurance, remember that more quotes provides better odds of finding lower pricing.

Pay less for 2015 Chevy Silverado 1500 insurance

Auto insurance companies do not list every discount very well, so we took the time to find both well-publicized and the harder-to-find savings tricks you should be using.

  • Sign Early and Save – A few companies offer discounts for buying a policy before your current expiration date. It can save you around 10%.
  • Safe Drivers – Safe drivers may save up to 50% more for Silverado insurance than less cautious drivers.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get better insurance rates for Silverado insurance.
  • Claim Free – Drivers who don’t have accidents can save substantially as compared to bad drivers.
  • Military Rewards – Having a deployed family member can result in better rates.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
  • Discount for New Cars – Insuring a new car is cheaper due to better safety requirements for new cars.

It’s important to note that some of the credits will not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like you could get a free insurance policy, it doesn’t quite work that way.

For a list of insurance companies with the best insurance discounts, click here to view.

Tailor your coverage to you

When buying coverage for your personal vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions might point out whether or not you might need professional guidance.

  • Is my teenager covered with friends in the car?
  • Does having multiple vehicles earn me a discount?
  • Why am I required to get a high-risk car insurance policy?
  • Do I need an umbrella policy?
  • Do I get a pro-rated refund if I cancel my policy early?
  • How do I insure my teen driver?
  • Does my liability insurance cover pulling a trailer or camper?
  • What is the rate difference between pleasure use and commuting?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Information about specific coverages

Knowing the specifics of car insurance helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverages available from car insurance companies.

Insurance for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses for things like doctor visits, funeral costs and chiropractic care. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability

Liability coverage provides protection from injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as structural damage, court costs and pain and suffering. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sideswiping another vehicle, hitting a mailbox and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from getting keyed, a broken windshield, theft and vandalism. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

More comparisons equals lower rates

Cheaper 2015 Chevy Silverado 1500 insurance is available on the web and with local insurance agents, and you need to price shop both to have the best selection. A few companies do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

We’ve covered many tips how you can compare insurance prices online. The key concept to understand is the more price quotes you have, the better likelihood of reducing your rate. Consumers could even find that the lowest rates come from a small mutual company. Regional companies may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive or Geico.

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