Save on 2007 Chevrolet Silverado 3500HD Insurance Rates

Are you a victim of an underperforming, overpriced auto insurance policy? Trust us, there are many people just like you. Consumers have many insurance companies to choose from, and although it’s nice to have a selection, it makes it harder to find the lowest cost provider.

Consumers need to compare prices occasionally because rates change regularly. Just because you found the lowest rates for SilveradoHD coverage six months ago a different company probably has better rates today. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the proper way to properly buy coverages while reducing your premium.

Finding the best rates is easy if you know what you’re doing. If you have a policy now or are just looking to switch companies, you can learn to shop for the lowest rates and still get good coverage. Vehicle owners just need to know how to compare price quotes online.

How to Compare Auto Insurance

Getting a lower price on 2007 Chevy Silverado 3500HD insurance can be relatively painless. You just need to invest a little time comparing rate quotes online from several insurance companies. This can be done in just a few minutes using one of these methods.

The recommended way to find the lowest comparison rates would be an industry-wide quote request form (click to open form in new window). This type of form prevents you from having to do separate quotes for each company. One form will return price quotes from auto insurance companies with the best prices.
A more difficult way to get quotes online requires you to visit each company website to complete a price quote. For example, let’s say you want rates from Liberty Mutual, Progressive and Travelers. To get each rate you have to take the time to go to each site to enter your coverage information, which is why the first method is quicker.
For a list of links to companies insuring cars in your area, click here.

However you get your quotes, make absolute certain that you use the exact same coverage limits and deductibles for each comparison quote. If you compare differing limits then you won’t be able to make an equal comparison.

You are unique and your car insurance should be too

When it comes to buying the right insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions may help highlight if your situation may require specific advice.

Is my custom paint covered by insurance?
Is business equipment covered while in my vehicle?
When should I drop full coverage on my 2007 Chevy Silverado 3500HD?
Am I covered when driving a rental car?
Should I buy additional glass protection?
When should my teen driver be added to my policy?
If my pet gets injured in an accident are they covered?
Am I covered if I hit a deer?
Do I need PIP (personal injury protection) coverage in my state?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Insurance specifics

Understanding the coverages of insurance can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages found on most insurance policies.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as scraping a guard rail, rolling your car, hitting a parking meter, hitting a mailbox and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverages

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, hail damage and hitting a bird. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for expenses for things like rehabilitation expenses, dental work and prosthetic devices. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Auto liability

This protects you from injuries or damage you cause to a person or their property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as repair costs for stationary objects, funeral expenses, pain and suffering, structural damage and medical services. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Silverado 3500HD.

Since a lot of 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 very important.