Cheap 2015 Chevrolet Silverado 3500HD Car Insurance Quotes

Looking for the cheapest car insurance rates for your Chevrolet Silverado 3500HD? Have you had enough of paying out the nose to buy car insurance? You are no different than many other drivers. Popular companies such as State Farm, Allstate, Geico and Progressive all claim big savings, bombarding you with advertising and it can be hard to see through the deception and effectively compare rates to find the best deal.

If you are insured now or need new coverage, you can use these techniques to get lower rates while maximizing coverage. Buying car insurance is easy if you know what you’re doing. Drivers only need to know the proper methods to compare prices online.

Fast and Easy Car Insurance Quotes

Cutting your car insurance rates is actually quite simple. The only thing you need to do is spend a few minutes comparing rates online from several insurance companies. This can be done in several different ways.

  1. One of the best ways to compare a lot of rates at once is a comparison rater form click to view form in new window. This form eliminates the need for a different quote to each individual car insurance company. Taking the time to complete one form compares rates from multiple companies.
  2. A slightly less efficient method to find lower rates consists of visiting each company’s website to complete a price quote. For examples sake, let’s say you want to compare rates from Geico, Safeco and Allstate. You would have to take the time to go to each site and enter your policy data, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but ensure you are comparing identical coverage information with each company. If each company quotes mixed coverages you will not be able to determine which rate is truly the best.

It’s not one size fits all

When choosing adequate coverage, there really is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that could help you determine if you could use an agent’s help.

  • When should I buy a commercial auto policy?
  • Is my babysitter covered when using my vehicle?
  • How do I file an SR-22 for a DUI in my state?
  • Is extra glass coverage worth it?
  • What vehicles should carry emergency assistance coverage?
  • What is high-risk coverage and where do I buy it?
  • Do I need more liability coverage?
  • Does my personal policy cover me when driving out-of-state?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Coverage specifics

Knowing the specifics of your insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are typical coverages found on most insurance policies.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, rock chips in glass, hail damage, falling objects and vandalism. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as chiropractic care, X-ray expenses, nursing services and doctor visits. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Chevy Silverado 3500HD.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as rolling your car, scraping a guard rail, sideswiping another vehicle, damaging your car on a curb and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Liability coverage – This can cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as medical expenses, repair bills for other people’s vehicles, emergency aid and court costs. How much coverage you buy is your choice, but you should buy as much as you can afford.