2017 Chevrolet Silverado 3500HD Insurance Quotes – 7 Policy Discounts

Searching for lower insurance rates for your Chevrolet Silverado 3500HD? Feeling guilty for buying high-priced insurance? You’re preaching to the choir because you’re not the only one.

Numerous insurance companies battle for your insurance dollar, and because of this it can be hard to compare car insurance companies to get the best rates possible.

If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these techniques. Choosing the best insurance company for you is not rocket science. But drivers need to learn how companies price insurance differently and take advantage of how the system works.

Where can I get the cheapest insurance coverage?

Effectively comparing insurance coverage prices can take hours if you don’t know the fastest way to get free quotes. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you could use online quotes to get the quickest rates.

Most of the larger companies are enrolled in a marketplace that allows shoppers to enter their policy data once, and at least one company provides a quote based on that information. This prevents consumers from doing repetitive form submissions to each individual insurance coverage company.

To fill out one form to compare multiple rates now click to open in new window.

The one downside to comparing rates this way is you cannot specify the insurers to get quotes from. So if you want to choose from a list of companies to compare, we have a listing of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

Whichever way you choose to compare rates, make absolute certain that you use apples-to-apples coverage limits for each price quote. If you compare different data it will be impossible to get a fair rate comparison. Just slight variations in insurance coverages or limits can make a big difference in price. And when quoting insurance coverage, remember that comparing a large number of companies increases your odds of finding better pricing.

The ad said I’d save $456 a year!

Popular car insurance providers such as Allstate, Geico and Progressive continually stream ads on television and other media. All the companies state the claim of big savings just by moving your coverage. Is it even possible that every company can offer you a better deal? It’s all in the wording.

Car insurance companies have underwriting criteria for the type of driver they prefer to insure. One example of a desirable risk might be over the age of 35, carries full coverage, and insures a new vehicle. Any new insured who meets those qualifications will get low prices and will probably pay quite a bit less when switching companies.

People who cannot meet those criteria will probably have to pay a higher premium which translates to the customer not buying. The trick is to say “drivers who switch” not “everyone who quotes” will save that much if they switch. That’s the way companies can truthfully make those statements.

This illustrates why drivers should get insurance quotes as often as possible. It’s just not possible to know with any certainty which company will provide you with the cheapest premium rates.

Use discounts on car insurance

Companies don’t necessarily list their entire list of discounts very well, so the below list has both the well known and also the lesser-known discounts that may be available.

  • Sign Early and Save – Some companies reward drivers for switching policies early. You can save around 10% with this discount.
  • Defensive Driver Discount – Passing a driver safety class may get you a small discount if you qualify.
  • Discounts for Cautious Drivers – Insureds who avoid accidents could pay up to 40% less on SilveradoHD coverage compared to accident prone drivers.
  • No Claims – Insureds with no claims or accidents have much lower rates in comparison to policyholders that have many claims.
  • Anti-lock Brake System – Vehicles that have steering control and anti-lock brakes prevent accidents so companies give up to a 10% discount.
  • Multiple Vehicles – Buying insurance for several vehicles with the same car insurance company can get a discount on all vehicles.
  • Distant Student Discount – Older children who are enrolled in higher education away from home and leave their car at home may be insured at a cheaper rate.

It’s important to understand that most credits do not apply to the entire policy premium. A few only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like you could get a free car insurance policy, you won’t be that lucky. Any qualifying discounts should help reduce the cost of coverage.

The best car insurance companies and a selection of discounts are shown below.

  • State Farm offers discounts for driver’s education, defensive driving training, Steer Clear safe driver discount, good driver, accident-free, and passive restraint.
  • Progressive has discounts for homeowner, multi-vehicle, online signing, good student, and continuous coverage.
  • Travelers may have discounts that include new car, home ownership, multi-policy, student away at school, and multi-car.
  • American Family has savings for Steer into Savings, air bags, bundled insurance, accident-free, TimeAway discount, and early bird.
  • Liberty Mutual offers discounts including newly married, teen driver discount, exclusive group savings, new move discount, and hybrid vehicle.

Before buying, ask all the companies how you can save money. A few discounts may not be available everywhere. To view providers who offer online car insurance quotes, click here to view.

Tailor your insurance coverage to you

When buying coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions might point out if your situation may require specific advice.

  • Do I have coverage when using my vehicle for my home business?
  • Does my insurance cover a custom paint job?
  • When would I need rental car insurance?
  • Does my medical payments coverage pay my health insurance deductible?
  • Why do I only qualify for high-risk insurance?
  • Should I put collision coverage on all my vehicles?
  • Is my teen driver covered when they drive my company car?
  • Can I drive in Mexico and have coverage?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Parts of your insurance policy

Learning about specific coverages of insurance helps when choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverages offered by insurance companies.

Auto liability – This can cover damage or injury you incur to a person or their property by causing an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values 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 limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like court costs, repair costs for stationary objects and legal defense fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance – This coverage 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 insurance covers things such as hitting a deer, fire damage, hail damage, hitting a bird and a broken windshield. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for short-term medical expenses for ambulance fees, dental work and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your 2017 Chevy Silverado 3500HD.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Collision – This coverage will pay to fix damage to your Silverado 3500HD from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a building, driving through your garage door, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Affordable insurance is out there

As you go through the steps to switch your coverage, make sure you don’t reduce needed coverages to save money. In too many instances, an accident victim reduced liability coverage limits only to find out that it was a big mistake. Your goal should be to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.

More affordable auto insurance is definitely available from both online companies and from local agencies, so get free insurance quotes from both of them so you have a total pricing picture. Some insurance companies may not offer the ability to get quotes online and these small, regional companies sell through local independent agents.

For more information, link through to the articles below: