Save on 2006 Chevrolet Silverado 2500HD Insurance Quotes

Confused by the dozens of auto insurance providers? drivers have so many providers available that it can quickly become a challenge to find the perfect company for you.

Quote auto insurance online

Many insurance companies such as GEICO, State Farm and Progressive allow you to get coverage price quotes from their websites. Doing online price comparisons is fairly straightforward as you just enter into the quote form. When the form is submitted, the system obtains information on your driving record and credit history and returns a price quote based on these and other factors.

This makes it easy to compare insurance prices but having to visit each company’s website and repetitively type in the same information is a big time waster. But it’s necessary to have as many quotes as possible if you are searching for a lower rate.

An easier way to get multiple rate quotes makes use of a single form that analyzes rates from more than one company. It saves time, helps eliminate reptitive entry, and makes quoting online much simpler. After your information is entered, it is quoted with multiple companies and you can pick any or none of the returned quotes.

If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. The entire process takes less than 15 minutes and you’ll know if lower rates are available.

To save time and compare rates now, simply click here to open in new window and input your coverage information. To compare your current rates, we recommend you enter the coverages identical to your current policy. This helps ensure you will receive an apples-to-apples comparison based on similar coverages.

Take advantage of every car insurance discount

Some companies don’t list all available discounts very clearly, so the list below details both the well known as well as the least known savings tricks you should be using when you buy insurance coverage online. If you aren’t receiving every discount you deserve, you could be getting lower rates.

  • Telematics Devices – Drivers who elect to allow driving data collection to analyze vehicle usage by using a telematics device such as State Farm’s In-Drive might get better premium rates if they are good drivers.
  • Driver’s Education for Students – Teen drivers should successfully complete driver’s ed class in school.
  • Distant Student – Any of your kids living away from home attending college and don’t have a car may be insured at a cheaper rate.
  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and will qualify for a discount on a insurance coverage quote.
  • Club Memberships – Affiliation with qualifying clubs or civic groups could trigger savings on your bill.
  • New Car Discount – Buying a new car instead of a used car is cheaper since newer models have better safety ratings.

As a sidenote, some credits don’t apply to all coverage premiums. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, insurance companies wouldn’t stay in business. Any amount of discount will reduce your overall bill.

Large car insurance companies and a summarized list of policyholder discounts include:

  • Progressive has savings for multi-policy, multi-vehicle, continuous coverage, online quote discount, homeowner, good student, and online signing.
  • Farmers Insurance includes discounts for mature driver, homeowner, business and professional, electronic funds transfer, and multi-car.
  • Farm Bureau may offer discounts for multi-vehicle, good student, multi-policy, 55 and retired, and youthful driver.
  • State Farm may have discounts that include Drive Safe & Save, multiple policy, student away at school, good student, accident-free, and passive restraint.
  • GEICO has discounts for emergency military deployment, seat belt use, five-year accident-free, federal employee, and military active duty.
  • SAFECO offers discounts for teen safety rewards, drive less, accident prevention training, anti-theft, bundle discounts, homeowner, and multi-car.
  • Liberty Mutual discounts include preferred payment discount, multi-car, multi-policy, hybrid vehicle, and safety features.

Before purchasing a policy, check with every insurance company what discounts are available to you. All car insurance discounts might not be offered in your state. To locate companies that have a full spectrum of discounts, follow this link.

How to know if you need help

When buying the best insurance coverage coverage, there really is not a best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining whether or not you would benefit from an agent’s advice.

  • Am I covered when driving someone else’s vehicle?
  • Which companies will insure high-risk drivers?
  • Are my friends covered when driving my car?
  • Will filing a claim cost me more?
  • Is my nanny covered when driving my vehicle?
  • What happens if I owe more than my 2006 Chevy Silverado 2500HD is worth?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form.

Car insurance policy coverages for a Chevy Silverado 2500HD

Having a good grasp of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision) – This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hitting a deer, fire damage and a broken windshield. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage – This pays for damage to your Silverado 2500HD caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as damaging your car on a curb, crashing into a building, sustaining damage from a pot hole, hitting a mailbox and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability car insurance – Liability insurance provides protection from damage or injury you incur to other’s property or people in an accident. It protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as bail bonds, repair costs for stationary objects, medical expenses, attorney fees and legal defense fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for expenses for doctor visits, prosthetic devices, dental work and pain medications. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

A little work can save a LOT of money

Some insurance providers do not provide the ability to get a quote online and these smaller providers only sell through independent agents. More affordable car insurance is possible online as well as from insurance agents, so you should compare both to have the best chance of lowering rates.

In this article, we covered a lot of information how to get a better price on 2006 Chevy Silverado 2500HD insurance. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. You may even discover the lowest priced car insurance comes from the least-expected company.

Consumers leave their current company for a variety of reasons including denial of a claim, not issuing a premium refund, high rates after DUI convictions or delays in paying claims. Whatever your reason, switching car insurance companies is actually quite simple.

For more information, feel free to browse the articles below: