Save on 2018 Chevrolet Silverado 3500HD Insurance Rates

No one likes paying for insurance, especially when they could find lower prices if they just compared rates. Numerous car insurance companies battle to insure your vehicles, and it can be difficult to compare rates to find the lowest rate possible.

You should take the time to compare rates once or twice a year since prices tend to go up over time. Even if you got the best rates on SilveradoHD insurance a couple years back other companies may now be cheaper. Block out anything you think you know about insurance because you’re going to learn one of the easiest ways to find lower rates on insurance.

If you have a policy now or are just looking to switch companies, you will benefit by learning to find better prices and still get good coverage. Finding the best rates is quite easy. Drivers only need an understanding of the most effective way to compare company rates over the internet.

Compare insurance coverage quotes

Getting a cheaper price on 2018 Chevy Silverado 3500HD insurance doesn’t have to be difficult. You just have to take a couple of minutes to compare rate quotes provided by online insurance companies. Comparing prices online can be done in just a few minutes using one of these methods.

  1. The recommended way to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This type of form keeps you from doing boring form submissions for every prospective company. Completing one form gets coverage cost estimates direct from many companies.
  2. A more difficult way to compare prices is to take the time to go to each company’s website and get a separate price quote. For examples sake, let’s say you want to compare prices for USAA, State Farm and Allstate. In order to get each rate, you would have to visit each site and enter your information, which can take a lot of time.

    For a list of links to companies insuring cars in your area, click here.

Whichever way you choose to compare rates, double check that you are using the same coverage information on every quote you get. If your comparisons have different limits and deductibles on each one it will be very difficult to determine the best price for your Chevy Silverado 3500HD.

How do I know if I need professional advice?

When it comes to buying proper insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique and your policy should reflect that. For instance, these questions may help you determine if you may require specific advice.

  • Should I carry comprehensive and collision coverage?
  • If my pet gets injured in an accident are they covered?
  • How can I get high-risk coverage after a DUI?
  • Is extra glass coverage worth it?
  • What is roadside assistance coverage?
  • Are split liability limits better than a combined single limit?
  • Do I have newly-aquired coverage?
  • Do I have coverage when using my vehicle for my home business?
  • Is a blown tire covered by insurance?
  • Do I need to file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and may give you better protection.

Specifics of your insurance policy

Learning about specific coverages of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most insurance policies.

Uninsured and underinsured coverage

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Silverado 3500HD.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Collision protection

Collision insurance will pay to fix damage to your Silverado 3500HD from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like sideswiping another vehicle, backing into a parked car and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Liability auto insurance

This coverage protects you from damages or injuries you inflict on other people or property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for 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 commonly see policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like repair bills for other people’s vehicles, attorney fees and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Coverage for medical payments

Med pay and PIP coverage pay for immediate expenses such as nursing services, rehabilitation expenses, pain medications and hospital visits. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverages

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

Comprehensive insurance covers things such as rock chips in glass, hail damage, damage from a tornado or hurricane and hitting a deer. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.