Cheaper 2013 Chevrolet Silverado 3500HD Car Insurance Rates

Want cheaper auto insurance rates for your Chevrolet Silverado 3500HD? No one cherishes buying auto insurance, particularly when their premiums are through the roof. With consumers having so many options, it’s nearly impossible to locate the right insurer.

How to save on 2013 Chevy Silverado 3500HD insurance

The cost of insuring your cars can be expensive, but there could be available discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time of purchase, but a few need to be inquired about before being credited. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Distant Student – Any of your kids who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
  • Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
  • Multiple Policy Discount – When you have multiple policies with the same company you could get a discount of up to 20% off your total premium.
  • Multi-car Discount – Insuring more than one vehicle on one policy qualifies for this discount.

It’s important to note that most of the big mark downs will not be given the the whole policy. Some only reduce individual premiums such as comp or med pay. Just because it seems like you would end up receiving a 100% discount, it doesn’t quite work that way. Any qualifying discounts will bring down your overall premium however.

Companies that may have some of the above discounts include:

Check with every prospective company which discounts they offer. Some discounts might not be offered everywhere.

Tailor your coverage to you

When choosing the best insurance coverage coverage, there really is no best way to insure your cars. Each situation is unique and your policy should reflect that. Here are some questions about coverages that may help you determine if you might need an agent’s assistance.

  • What is medical payments coverage?
  • Am I covered if my car is in a flood?
  • How do I insure my teen driver?
  • I don’t drive much so do I pay less?
  • Can my babysitter drive my car?
  • What exactly is covered by my policy?
  • What is UM/UIM insurance?
  • When should I remove comp and collision on my 2013 Chevy Silverado 3500HD?
  • Can I make deliveries for my home business?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Save $392 a year. For real?

Consumers can’t get away from ads for cheaper car insurance from companies such as 21st Century, Allstate and State Farm. All the ads have a common claim that you can save if you change your policy.

But how can every company make the same claim?

Different companies can use profiling for the right customer they prefer to insure. An example of a desirable insured could possibly be over the age of 40, has no prior claims, and drives less than 10,000 miles a year. A driver that hits that “sweet spot” will get the preferred rates and most likely will cut their rates substantially.

Potential insureds who are not a match for these standards will have to pay a higher premium which usually ends up with the customer not buying. Company advertisements say “customers that switch” but not “drivers who get quotes” save money. That’s why companies can truthfully make those claims.

Because of the profiling, it is so important to get as many quotes as possible. It’s just too difficult to predict which company will give you the biggest savings on Chevy Silverado 3500HD insurance.

The coverage is in the details

Having a good grasp of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types offered by insurance companies.

Comprehensive coverages

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like falling objects, hitting a deer, damage from flooding and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage

Collision coverage will pay to fix damage to your Silverado 3500HD from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with another moving vehicle, crashing into a building, backing into a parked car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

This coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2013 Chevy Silverado 3500HD.

Due to the fact that many 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 should not be overlooked. Normally these limits do not exceed the liability coverage limits.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like nursing services, chiropractic care, surgery, hospital visits and dental work. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Liability coverages

Liability insurance can cover injuries or damage you cause to people or other property that is your fault. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as bail bonds, legal defense fees, attorney fees and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Online plus local equals savings

Low-cost 2013 Chevy Silverado 3500HD insurance is available both online as well as from independent agents, and you should be comparing both to have the best selection. A few companies don’t offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

As you shop your coverage around, it’s very important that you do not buy poor coverage just to save money. In too many instances, someone sacrificed uninsured motorist or liability limits and found out when filing a claim that it was a big error on their part. Your goal should be to find the BEST coverage at a price you can afford, not the least amount of coverage.

You just learned a lot of ways to save on insurance. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding lower rates. Consumers may even find the lowest rates come from some of the lesser-known companies. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate and Progressive.

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