2015 Chevrolet Silverado 3500HD Insurance Rates

Searching for the cheapest insurance coverage rates for your Chevrolet Silverado 3500HD? Are you drained from not being able to scrape enough together to pay high insurance coverage rates every month? You have the same problem as millions of other people. Many car insurance companies compete to insure your vehicles, and because of this it can be hard to compare insurance companies and uncover the absolute lowest price

It’s important to price shop coverage before your next renewal because insurance coverage prices are variable and change quite frequently. Just because you found the best price for SilveradoHD insurance two years ago the chances are good that you can find a lower rate today. Block out anything you think you know about insurance coverage because you’re about to learn the best methods to eliminate unnecessary coverages and save money.

The quickest way to compare policy rates takes advantage of the fact auto insurance companies actually pay money for the chance to give free rates quotes. All you need to do is spend a couple of minutes providing details like driver ages, your occupation, if you have a valid license, and if you’re married. That rating information is submitted instantly to many of the top insurers and they provide comparison quotes quickly.

If you would like to compare rates now, click here and find out if lower rates are available.

Take policy discounts and save

Some providers do not advertise the complete list of policy discounts in an easy-to-find place, so the list below details some of the best known and also the more inconspicuous ways to save on car insurance.

  • ABS Braking Discount – Anti-lock brake equipped vehicles can stop better under adverse conditions so companies give up to a 10% discount.
  • Discount for Passive Restraints – Factory air bags or motorized seat belts can receive discounts of up to 25% or more.
  • No Accidents – Good drivers with no accidents have much lower rates as compared to drivers with a long claim history.
  • Low Miles Discount – Driving less could be rewarded with better prices on cars that stay parked.
  • Defensive Driver Discounts – Taking time to complete a driver safety class could possibly earn you a 5% discount if you qualify.
  • Homeowners Pay Less – Being a homeowner can get you a discount since home ownership means you have a higher level of financial diligence.
  • No Charge for an Accident – This one isn’t a discount, but certain companies allow you one accident before they charge you more for coverage so long as you haven’t had any claims prior to being involved in the accident.

One thing to note about discounts is that many deductions do not apply to all coverage premiums. Most cut the price of certain insurance coverages like medical payments or collision. So even though you would think it’s possible to get free car insurance, insurance companies wouldn’t stay in business. Any qualifying discounts should help reduce your overall bill.

A list of car insurance companies and some of their more popular discounts are detailed below.

  • 21st Century has discounts for student driver, 55 and older, teen driver, defensive driver, air bags, theft prevention, and early bird.
  • State Farm policyholders can earn discounts including anti-theft, student away at school, good student, defensive driving training, and safe vehicle.
  • AAA offers premium reductions for multi-policy, multi-car, pay-in-full, good student, good driver, and education and occupation.
  • Liberty Mutual includes discounts for new graduate, preferred payment discount, safety features, good student, new move discount, and new vehicle discount.
  • Progressive may include discounts for homeowner, good student, online signing, multi-vehicle, multi-policy, and online quote discount.

If you need lower rates, check with each company or agent how you can save money. Some discounts listed above might not be available to policyholders in every state. To view companies who offer online car insurance quotes, click here.

Which policy gives me the best coverage?

When it comes to choosing the right insurance coverage, there really is no “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that might point out if your insurance needs could use an agent’s help.

  • If my 2015 Chevy Silverado 3500HD is totaled, can I afford another vehicle?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I better off with higher deductibles on my 2015 Chevy Silverado 3500HD?
  • Am I covered when driving someone else’s vehicle?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How do I insure my teen driver?
  • Is my teenager covered with friends in the car?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Coverages available on your policy

Understanding the coverages of your insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are the normal coverages offered by insurance companies.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for bills like EMT expenses, chiropractic care, X-ray expenses and nursing services. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage – Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as vandalism, theft, rock chips in glass and falling objects. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for liability – This provides protection from damage that occurs to other people or property that is your fault. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is a combined limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as emergency aid, legal defense fees and court costs. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Collision coverage – This covers damage to your Silverado 3500HD caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as damaging your car on a curb, sustaining damage from a pot hole, crashing into a building and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually these coverages do not exceed the liability coverage limits.

In Summary

Some insurance companies do not offer the ability to get a quote online and many times these smaller companies provide coverage only through local independent agents. Discount 2015 Chevy Silverado 3500HD insurance is available online and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture.

As you quote auto insurance, it’s not a good idea to buy poor coverage just to save money. There have been many situations where drivers have reduced uninsured motorist or liability limits only to find out that it was a big error on their part. The ultimate goal is to purchase plenty of coverage at the best cost.

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