View 2007 Chevrolet Silverado 3500HD Insurance Quotes

Having to pay for pricey auto insurance can bottom out your personal savings and force you to tighten up your finances. Doing a price comparison is a great way to lower your bills every month.

Popular companies such as State Farm and GEICO all claim big savings with TV and radio ads and it can be hard to see past the corporate glitz and effectively compare rates to find the best deal.

How to compare insurance coverage rate quotes

There are a lot of ways to compare insurance coverage prices and some are more efficient than others. You can waste hours talking to local insurance agents in your area, or you could save time and use the web to get pricing more quickly.

Most car insurance companies participate in an industry program that enables customers to send in one quote, and every company then returns a price quote based on the submitted data. This saves time by eliminating form submissions to each company.

To fill out one form to compare multiple rates now click here to open in new window.

The only downside to doing it this way is you cannot specify the providers you will receive quotes from. If you would rather choose specific providers to receive pricing from, we have a listing of insurance coverage companies in your area. Click here to view list.

It’s up to you which method you use, but compare equivalent quote data for each comparison quote. If each company quotes different limits and deductibles on each one you will not be able to make a fair comparison for your Chevy Silverado 3500HD.

Ads can be misleading

Consumers can’t get away from ads for cheaper auto insurance by Progressive, GEICO, Allstate and State Farm. They all seem to state the claim that you’ll save big if you switch your policy.

Is it even possible that every company can make almost identical claims? Here is how they do it.

Many companies require specific criteria for the type of insured that will be a good risk. An example of a profitable risk profile may be over age 30, has no prior claims, and insures a new vehicle. A driver that hits that “sweet spot” will get very good prices and will also save quite a bit of money when switching.

Drivers who do not meet the requirements will have to pay higher prices which usually ends up with the customer buying from a different company. The ads state “people that switch” not “all people who quote” save that kind of money. This is how insurance companies can confidently make claims that they all have the best car insurance rates. Because every company is different, it’s extremely important to get price quotes at each policy renewal. It’s just not possible to know which company will give you the biggest savings.

Discount auto insurance quotes

Some companies don’t necessarily list every possible discount very well, so we researched a few of the more common and the more hidden discounts that you can inquire about if you buy car insurance online.

  • Low Mileage Discounts – Maintaining low annual mileage can earn discounted auto insurancerates on garaged vehicles.
  • Senior Citizen Discount – If you’re over the age of 55, you may be able to get a small discount on rates on SilveradoHD insurance.
  • Distant Student – Youth drivers who are attending college and do not take a car to college may qualify for this discount.
  • Driver’s Education for Students – Teen drivers should participate in a local driver’s education class if offered at their school.
  • Discounts for Safe Drivers – Accident-free drivers could pay up to 40% less on SilveradoHD insurance than less cautious drivers.

A little note about advertised discounts, some credits don’t apply to the entire cost. The majority will only reduce individual premiums such as liability and collision coverage. So when the math indicates you can get free auto insurance, that’s just not realistic.

To locate providers offering auto insurance discounts, click this link.

Tailor your auto insurance coverage to you

When choosing proper insurance coverage, there is no one size fits all plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that might point out whether or not you could use an agent’s help.

  • Should I have combined single limit or split liability limits?
  • Why am I required to buy liability insurance?
  • What if I total my 2007 Chevy Silverado 3500HD and owe more than it’s worth?
  • Why am I required to buy high-risk coverage?
  • Is my state a no-fault state?
  • Exactly who is provided coverage by my policy?
  • What is roadside assistance coverage?
  • Is my 2007 Chevy Silverado 3500HD covered for flood damage?
  • What companies insure drivers after a DUI or DWI?
  • What is covered by UM/UIM coverage?

If you don’t know the answers to these questions then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage specifics

Knowing the specifics of insurance can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on the average insurance policy.

Comprehensive insurance

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hail damage, vandalism and hitting a bird. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like prosthetic devices, rehabilitation expenses, chiropractic care and ambulance fees. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your Chevy Silverado 3500HD.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Auto collision coverage

Collision insurance pays for damage to your Silverado 3500HD from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like crashing into a building, damaging your car on a curb, colliding with a tree and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability car insurance

Liability insurance provides protection from injuries or damage you cause to other’s property or people by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

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 translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like attorney fees, repair costs for stationary objects, bail bonds and pain and suffering. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

One last thing

Throughout this article, we presented a lot of techniques to save on 2007 Chevy Silverado 3500HD insurance. The key thing to remember is the more price quotes you have, the higher your chance of finding cheaper car insurance. You may even discover the lowest rates come from a company that doesn’t do a lot of advertising. These smaller insurers often have lower auto insurance rates on specific markets than the large multi-state companies such as Allstate, GEICO and Progressive.

As you go through the steps to switch your coverage, it’s a bad idea to reduce coverage to reduce premium. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits and learned later that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage at the best price, but do not skimp to save money.

Cost effective 2007 Chevy Silverado 3500HD insurance can be found on the web in addition to local insurance agencies, so you should compare both to get a complete price analysis. Some car insurance companies may not provide the ability to get quotes online and these regional carriers only sell through local independent agents.

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