Compare 1999 Chevrolet Silverado 2500 Car Insurance Quotes

Looking for lower auto insurance rates for your Chevrolet Silverado 2500? Finding low-cost insurance for a Chevy Silverado 2500 can be a lot of work, but you can learn these tips to make it easier. There are more efficient ways to compare auto insurance rates and we’ll show you the proper way to compare rates for a Chevy and get the cheapest rates from both online companies and local agents.

If you are insured now or need new coverage, you will benefit by learning to find the best rates while maintaining coverages. Buying affordable auto insurance coverage is not that difficult. Consumers just need to understand the proper way to buy auto insurance online.

Low Cost Auto Insurance

Shopping for lower auto insurance rates can take hours if you don’t understand the most efficient way to do it. You could spend the better part of a day talking to agents in your area, or you could use online quotes to maximize your effort.

Most major companies belong to a marketplace that allows shoppers to only type in their quote data once, and each company then returns a price quote for coverage. This prevents consumers from doing quote requests to each company.

To find out how much you can save on auto insurance click to open in new window.

The one downside to using this type of form is that consumers can’t choose which insurance companies to get pricing from. If you wish to select specific insurance companies to receive pricing from, we have assembled a list of auto insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, compare the exact same information for each price quote. If you use mixed coverages you will not be able to determine the best price for your Chevy Silverado 2500.

Advertising myths

Consumers can’t ignore all the ads for cheaper car insurance by State Farm, Allstate and Geico. All the companies say the same thing about savings if you move to their company.

How does each company make almost identical claims?

All the different companies have a certain “appetite” for the right customer they prefer to insure. For instance, a desirable insured could possibly be a mature driver, is a homeowner, and has great credit. A propective insured who meets those qualifications will get very good rates and is almost guaranteed to save when switching.

Consumers who are not a match for the “perfect” profile will have to pay higher rates which leads to business not being written. The ads state “customers that switch” but not “drivers who get quotes” save that much. That is how companies can truthfully advertise the way they do. Because of the profiling, drivers must quote coverage with many companies. You cannot predict which insurance companies will give you the biggest savings on Chevy Silverado 2500 insurance.

Complexity of Chevy Silverado 2500 insurance rates

Consumers need to have an understanding of the rating factors that play a part in calculating insurance rates. Understanding what impacts premium levels enables informed choices that may reward you with big savings.

  • Where you reside plays a part – Choosing to live in a small town can be a good thing when insuring your vehicles. Fewer drivers means a lower chance of having an accident and a lower car theft rate. Drivers in populated areas regularly have much more traffic to deal with and longer commutes to work. Higher commute times can result in more accidents.
  • How credit affects insurance rates – Your credit score is a important factor in determining your rates. So if your credit history is lower than you’d like, you could be paying less to insure your 1999 Chevrolet Silverado 2500 by improving your rating. People with high credit scores tend to be more responsible than those with poor credit.
  • Rates may be lower depending on your job – Careers like doctors, architects and stock brokers have the highest rates because of job stress and long work days. On the other hand, professions such as scientists, students and the unemployed get better rates on Silverado insurance.
  • Don’t get talked into coverage you don’t need – There are many extra coverages that you can get tricked into buying when buying insurance. Insurance for vanishing deductibles, accidental death and additional equipment coverage may be wasting your money. They may seem like a good idea when talking to your agent, but now you might not need them so eliminate the coverages to reduce your premium.

Discounts mean cheaper Chevy Silverado 2500 insurance rates

Car insurance companies don’t always publicize every discount in an easy-to-find place, so we researched some of the best known and the more hidden car insurance savings. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Discount for Swiching Early – Select companies give a discount for switching to them before your current expiration date. The savings is around 10%.
  • New Vehicle Savings – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Federal Employees – Simply working for the federal government may qualify you for a discount on Silverado insurance with select insurance companies.
  • Senior Citizens – Older drivers can possibly qualify for reduced rates on Silverado insurance.
  • One Accident Forgiven – Certain companies will allow you to have one accident before your rates go up if you are claim-free for a particular time prior to the accident.

It’s important to understand that many deductions do not apply to your bottom line cost. Most only reduce individual premiums such as comp or med pay. Just because it seems like adding up those discounts means a free policy, you won’t be that lucky.

Car insurance companies who might offer these money-saving discounts may include but are not limited to:

It’s a good idea to ask every prospective company which discounts they offer. Savings may not be available in your state.

Tailor your coverage to you

When choosing adequate coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining if you will benefit from professional help.

  • Is my state a no-fault state?
  • Do I need added coverage for expensive stereo equipment?
  • Should I have a commercial auto policy?
  • Do I benefit by insuring my home with the same company?
  • Do I have coverage if my license is suspended?
  • Does my 1999 Chevy Silverado 2500 qualify for pleasure use?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is extra glass coverage worth it?
  • Do I need motorclub coverage?
  • I don’t drive much so do I pay less?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Insurance coverage specifics

Having a good grasp of insurance can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability – This provides protection from injuries or damage you cause to other people or property that is your fault. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as pain and suffering, structural damage, medical services, emergency aid and attorney fees. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Collision coverages – This will pay to fix damage to your Silverado 2500 from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like colliding with another moving vehicle, rolling your car, colliding with a tree, hitting a mailbox and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like funeral costs, dental work and ambulance fees. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like falling objects, hitting a bird, vandalism and rock chips in glass. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

One last thing

When trying to cut insurance costs, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many cases where an insured dropped comprehensive coverage or liability limits and learned later that the small savings ended up costing them much more. The ultimate goal is to get the best coverage possible at the best price.

In this article, we presented many ideas to lower your 1999 Chevy Silverado 2500 insurance rates. The most important thing to understand is the more you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest priced auto insurance comes from a lesser-known regional company.

Lower-priced insurance is attainable on the web and also from your neighborhood agents, so you should compare both in order to have the best chance of saving money. Some auto insurance companies may not provide online price quotes and these smaller companies work with independent agents.

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