Compare 2012 Chevrolet Silverado 3500HD Insurance Quotes

Trying to find the cheapest insurance rates? Buyers have a choice when searching for low-cost Chevy Silverado 3500HD insurance. You can either spend your time struggling with agents getting price quotes or use the internet to get rate quotes. There are more efficient ways to buy insurance so we’re going to tell you the best way to price shop coverage for a Chevy and find the lowest possible price from both online companies and local agents.

Buying car insurance is not that difficult. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these tips. Drivers just need to understand the best way to compare price quotes over the internet.

How to compare insurance price quotes

Getting a cheaper price on 2012 Chevy Silverado 3500HD insurance is an easy way to save money. All that’s required is to take the time comparing rates to find out which insurance company has low cost auto insurance quotes. This can be accomplished in several different ways.

The easiest and least time consuming way to find low rates would be an industry-wide quote request form (click to open form in new window). This method keeps you from doing separate quotes for each company. Just one form will return price quotes from several companies. It’s the fastest way to compare.
A harder way to analyze rates requires you to visit each company website and fill out their own quote form. For example, let’s say you need rates from Farmers, Safeco and Travelers. In order to get each rate, you would have to spend time going to each site individually to enter the same coverage data repeatedly, which can get old fast.
For a list of links to insurance companies in your area, click here.

The method you choose is up to you, but be sure to compare apples-to-apples coverage data on every quote you get. If you have different liability limits you will not be able to make an equal comparison.

Double check you’re getting these premium-slashing discounts

Insurance can be pricey, but there could be available discounts to reduce the price significantly. Some discounts apply automatically at the time of quoting, but less common discounts must be manually applied prior to getting the savings.

Anti-lock Brake Discount – Cars and trucks equipped with ABS or steering control have fewer accidents so you can save 10 percent or more.
Good Driver Discounts – Drivers who avoid accidents can pay as much as 50% less for SilveradoHD insurance than drivers with accident claims.
Homeowners Savings – Simply owning a home can get you a discount because it requires personal responsibility.
Save over 55 – Seniors can possibly qualify for lower premium rates for SilveradoHD insurance.
Payment Discounts – If you pay your bill all at once instead of making monthly payments you can avoid monthly service charges.

As a disclaimer on discounts, some credits don’t apply to all coverage premiums. Most cut individual premiums such as physical damage coverage or medical payments. Even though it may seem like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

A few companies that possibly offer most of these discounts include:

It’s a good idea to ask every company which discounts can lower your rates. Discounts might not be offered in your area.

Do I need special coverages?

When choosing the best insurance coverage, there really is not a best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that might help in determining whether you may require specific advice.

Is a fancy paint job covered?
Are my friends covered when driving my 2012 Chevy Silverado 3500HD?
Can I rate high risk drivers on liability-only vehicles?
Do I need PIP (personal injury protection) coverage in my state?
Are all vehicle passengers covered by medical payments coverage?
Does car insurance cover theft of personal property?
If my pet gets injured in an accident are they covered?
When can my company non-renew my policy?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Information about specific coverages

Learning about specific coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hitting a deer, a broken windshield and vandalism. The maximum amount your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Insurance for medical payments

Med pay and PIP coverage pay for expenses such as hospital visits, dental work, doctor visits, EMT expenses and rehabilitation expenses. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Liability car insurance

This coverage will cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as attorney fees, emergency aid and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Auto collision coverage

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as hitting a mailbox, colliding with another moving vehicle and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they 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 only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.