2002 Chevrolet Silverado 2500HD Car Insurance Quotes

Are you at wits end from not being able to scrape enough together to pay auto insurance each month? You’re in the same situation as many other consumers. With vehicle owners having so many choices of insurance companies, it can be hard to choose the most cost effective insurer.

Low cost auto insurance quotes online

There are a variety of methods to shop for auto insurance, but one way is easier and takes less work. You can waste a lot of time talking to insurance companies in your area, or you can stay home and use online quoting to get rates in a matter of minutes.

Most of the best insurance companies participate in a marketplace that allows shoppers to send in one quote, and each participating company then gives them pricing based on the submitted data. This prevents consumers from doing quotation requests to each company. To compare pricing click to open in new window.

One minor caviat to getting quotes like this is that consumers can’t choose which carriers you want to price. If you would rather choose specific insurance companies to receive pricing from, we have a page of auto insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just be sure to compare the same deductibles and coverage limits for each quote you get. If you enter unequal deductibles or liability limits it will be nearly impossible to determine which company has the best rates.

Cheap car insurance rates with discounts

Some insurance providers do not list every available discount in a way that’s easy to find, so below is a list both the well known and the more hidden discounts that may be available.

• Senior Citizens – If you qualify as a senior citizen, you may qualify for lower premium rates on SilveradoHD insurance.
• Government Employees – Employees or retirees of the government could provide a small rate reduction on SilveradoHD insurance depending on your company.
• Defensive Driver Discounts – Taking time to complete a course teaching defensive driving skills may get you a small discount depending on where you live.
• No Accidents – Drivers who stay claim-free are rewarded with significantly better rates on auto insurance quote as opposed to frequent claim filers.
• Multi-policy Discount – If you insure your home and vehicles with one company you may earn up to 20% and get you affordable auto insurance.
• Auto/Life Discount – Some companies give a break if you buy some life insurance too.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS and/or traction control are safer to drive and earn discounts up to 10%.
• Homeowners Discount – Owning your own home or condo can save you money since owning and maintaining a home requires a higher level of personal finance.

As a sidenote, most discounts do not apply to your bottom line cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. Even though it appears adding up those discounts means a free policy, nobody gets a free ride.

A list of car insurance companies and a summarized list of policyholder discounts are shown below.

• State Farm discounts include driver’s education, defensive driving training, anti-theft, accident-free, and multiple autos.
• GEICO may have discounts that include federal employee, membership and employees, defensive driver, multi-policy, and driver training.
• SAFECO includes discounts for homeowner, multi-car, bundle discounts, teen safety rewards, drive less, and teen safe driver.
• Farmers Insurance has discounts for teen driver, alternative fuel, pay in full, distant student, early shopping, good student, and multi-car.
• AAA offers discounts for multi-car, good driver, education and occupation, good student, pay-in-full, and anti-theft.
• USAA offers discounts including new vehicle, safe driver, good student, vehicle storage, multi-vehicle, and defensive driver.

If you need lower rates, check with every company to give you their best rates. All car insurance discounts might not apply in your area.

Tailor your car insurance coverage to you

When it comes to choosing adequate coverage, there isn’t really a single plan that fits everyone. 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 you might need an agent’s assistance.

• If my 2002 Chevy Silverado 2500HD is totaled, can I afford another vehicle?
• Should I carry comprehensive and collision coverage?
• Am I covered if my car is in a flood?
• Does my 2002 Chevy Silverado 2500HD qualify for pleasure use?
• How much underlying liability do I need for an umbrella policy?
• I have good health insurance, so how much medical payments coverage do I need?
• Is my ex-spouse still covered by my policy?
• How much liability do I need to cover my assets?

If you can’t answer these questions then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It only takes a few minutes and can help protect your family.

Insurance coverages and their meanings

Understanding the coverages of insurance can help you determine appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Shown next are the usual coverages found on the average insurance policy.

Liability coverage – This coverage will cover injuries or damage you cause to people or other property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like pain and suffering, funeral expenses, structural damage and medical expenses. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Collision coverages – Collision insurance pays for damage to your Silverado 2500HD caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a mailbox, colliding with another moving vehicle, driving through your garage door, sideswiping another vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Comprehensive insurance – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a deer, a tree branch falling on your vehicle, rock chips in glass, fire damage and hail damage. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as rehabilitation expenses, chiropractic care, EMT expenses and dental work. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.