2008 Chevrolet Silverado 3500HD Insurance Quotes

Are you sick and tired of not being able to afford to buy car insurance? Your situation is no different than many other drivers. You have so many car insurance companies to pick from, and even though it’s nice to have multiple companies, it can be more difficult to get the best deal.

Pricing the lowest cost protection is easy if you know what you’re doing. If you have a current auto insurance policy or are looking for a new policy, you can use these techniques to find better prices and still get good coverage. Consumers just need to know how to find the lowest price online.

Vehicle Insurance Comparison

Finding lower car insurance rates can be surprisingly simple. All that’s required is to take the time comparing rates provided by online insurance companies. This can be done in a couple of different ways.

  1. Probably the best way to get quotes for comparison is an all-inclusive rate comparison click here to open form in new window. This form eliminates the need for separate forms for every car insurance company. In just a few minutes this one form compares rates from all major companies.
  2. A different way to get comparison quotes is to take the time to go to the website for each individual company to complete a price quote. For instance, let’s assume you want to compare rates from Allstate, Esurance and Travelers. To get each rate you have to take the time to go to each site and enter your information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.

Whichever way you use, double check that you are using the exact same coverage limits and deductibles for each price quote. If you use mixed coverages it will be very difficult to truly determine the lowest rate.

Don’t miss out on these money-saving discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available that you may not know about. Certain discounts will be applied at quote time, but a few need to be specifically requested before you will receive the discount. If you don’t get every credit you deserve, you are paying more than you should be.

  • Senior Discount – Mature drivers can possibly qualify for reduced rates for SilveradoHD coverage.
  • Service Members Pay Less – Having a family member in the military could be rewarded with lower premiums.
  • No Charge for an Accident – A few companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
  • College Student – Children living away from home attending college and do not have a car can receive lower rates.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off your medical payments premium.

It’s important to understand that most discount credits are not given to your bottom line cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, it doesn’t quite work that way. But all discounts will bring down your overall premium however.

Insurance companies who might offer these benefits include:

It’s a good idea to ask each company how you can save money. Discounts might not be offered in every state.

Do I need special coverages?

When it comes to buying coverage, there really is not a “perfect” insurance plan. 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 your insurance needs might need an agent’s assistance.

  • If my pet gets injured in an accident are they covered?
  • Is other people’s property covered if stolen from my vehicle?
  • Am I getting all the discounts available?
  • Does medical payments coverage apply to all occupants?
  • Is my 2008 Chevy Silverado 3500HD covered for flood damage?
  • Do I need more liability coverage?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Chevy Silverado 3500HD insurance premiums are calculated by many factors

Smart consumers have a good feel for the different types of things that help determine the rates you pay for auto insurance. Understanding what determines base rates helps enable you to make changes that may reward you with much lower annual insurance costs.

  • A clean driving record saves money – Your driving record impacts your car insurance rates tremendously. Even a single citation can boost insurance rates forty percent or more. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers who get severe violations like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with the DMV in their state in order to drive a vehicle legally.
  • Low deductibles can be expensive – Physical damage insurance, also known as collision and other-than-collision, protects your Chevy from damage. A few examples of covered claims are a windshield shattered by a rock, damage from fire, or theft. The deductibles are the amount of money you are required to spend before a claim is paid by your company. The more expense you have to pay, the lower your rates will be for SilveradoHD coverage.
  • Do you need those extra coverages? – There are many add-on coverages that you can get tricked into buying if you aren’t careful. Insurance for rental car reimbursement, accidental death and membership fees may be costing you every month. These coverages may sound good when talking to your agent, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Safer cars cost less to insure – Cars with high safety ratings can get you lower premiums. These vehicles reduce injuries and fewer injuries means less money paid by your insurance company passed on to you as lower rates. If your Chevy Silverado 3500HD is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Having a spouse can save you money – Having a spouse can actually save you money on your auto insurance policy. It translates into being more mature and it’s statistically proven that being married results in fewer claims.
  • Theft deterrents lower rates – Choosing a vehicle with an alarm system can get you a discount on your auto insurance. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.
  • With age comes lower rates – Teenage drivers tend to be more careless behind the wheel so auto insurance rates are higher. Adding a teen driver onto your auto insurance can break the bank. Older drivers are viewed as being more responsible, tend to file fewer claims and tend to be better behind the wheel.

Insurance coverage options for a 2008 Chevy Silverado 3500HD

Knowing the specifics of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. These are typical coverages found on the average insurance policy.

Protection from uninsured/underinsured drivers

This provides protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Chevy Silverado 3500HD.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are set the same as your liablity limits.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for expenses such as dental work, funeral costs, prosthetic devices, pain medications and surgery. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Coverage for collisions

Collision coverage will pay to fix damage to your Silverado 3500HD from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like sustaining damage from a pot hole, crashing into a ditch and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, hitting a bird, vandalism and damage from getting keyed. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability insurance

This will cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like court costs, medical services, legal defense fees, funeral expenses and structural damage. How much coverage you buy is your choice, but buy as large an amount as possible.

Save for a rainy day

In this article, we presented many tips how you can reduce 2008 Chevy Silverado 3500HD insurance prices online. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. Consumers could even find that the best prices are with a small local company. Some small companies may have significantly lower rates on certain market segments compared to the large companies like Progressive and Geico.

Lower-priced insurance is possible online and also from your neighborhood agents, and you need to comparison shop both to have the best selection. Some insurance companies may not provide you the ability to get quotes online and these smaller companies work with independent agents.

Additional detailed information can be read at these sites: