Cheaper 2013 Chevrolet Silverado 2500HD Insurance Quotes

Want the cheapest insurance coverage rates for your Chevrolet Silverado 2500HD? Have you had enough of paying out the nose each month for car insurance? Your situation is no different than most other car owners.

Multiple insurance companies compete to insure your vehicles, and because of this it can be hard to compare auto insurance companies to find the absolute lowest cost out there.

Get lower rates on Chevy Silverado 2500HD insurance

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that can drop the cost substantially. Some trigger automatically when you get a quote, but a few need to be inquired about before you get the savings.

  • Federal Employees – Active or retired federal employment can save as much as 8% for SilveradoHD coverage with select insurance companies.
  • Pay Upfront and Save – By paying your policy upfront instead of paying each month you may reduce your total bill.
  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Military Discounts – Being on active duty in the military may qualify for rate reductions.
  • 55 and Retired – Mature drivers can possibly qualify for reduced rates for SilveradoHD coverage.
  • Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Paperwork-free – Certain companies give back up to $50 for buying a policy and signing up digitally online.
  • Safety Course Discount – Taking part in a defensive driving course could cut 5% off your bill if your company offers it.

Consumers should know that some of the credits will not apply the the whole policy. Some only apply to specific coverage prices like comp or med pay. Even though it may seem like you can get free auto insurance, it doesn’t quite work that way. Any qualifying discounts will bring down your premiums.

For a list of insurance companies with the best auto insurance discounts, click this link.

How to Compare Insurance Coverage Rates

Shopping for lower insurance coverage rates can be a daunting task if you don’t know the most efficient way to do it. You could waste time driving to agents in your area, or you could use the internet to quickly compare rates.

Many of the larger companies belong to an insurance system where prospective buyers enter their coverage request one time, and each participating company then gives them pricing. This saves time by eliminating form submissions for each company.

To participate in this free quote system, click here (opens in new window).

The one disadvantage to doing it this way is that consumers can’t choose the providers you will receive quotes from. So if you prefer to pick specific providers to compare rates, we put together a list of companies who write insurance coverage in your area. View list of insurance companies.

Whichever method you choose, compare identical coverages and limits for each price quote. If you use different limits and deductibles on each one you will not be able to make a fair comparison for your Chevy Silverado 2500HD. Having just a slight variation in insurance coverages can make a big difference in price. Keep in mind that having more price comparisons will improve the odds of getting the best rates.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there really is no best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions could help you determine if you may require specific advice.

  • Do I need motorclub coverage?
  • Can I get a multi-policy discount?
  • Where can I get insurance after a DUI in my state?
  • Am I better off with higher deductibles on my 2013 Chevy Silverado 2500HD?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is rental equipment covered for theft or damage?
  • What happens if I owe more than my 2013 Chevy Silverado 2500HD is worth?

If you can’t answer these questions but you know they apply to you 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 car insurance policy

Having a good grasp of your policy can be of help when determining the best coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types offered by car insurance companies.

Auto liability insurance

Liability coverage will cover damage that occurs to a person or their property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for 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 policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like emergency aid, court costs, repair costs for stationary objects and attorney fees. How much coverage you buy is your choice, but you should buy higher limits if possible.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills such as surgery, X-ray expenses, chiropractic care, pain medications and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your 2013 Chevy Silverado 2500HD.

Due to the fact that 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. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, hitting a deer, a tree branch falling on your vehicle and fire damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a parking meter, crashing into a building, colliding with a tree, rolling your car and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Knowledge is power

When buying insurance coverage, you should never buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice liability coverage limits to discover at claim time they didn’t have enough coverage. The ultimate goal is to find the BEST coverage at a price you can afford, not the least amount of coverage.

The cheapest 2013 Chevy Silverado 2500HD insurance is possible both online as well as from independent agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies don’t offer online price quotes and most of the time these smaller companies sell through independent agents.

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