2016 Chevrolet Silverado 2500HD Car Insurance Quotes – 9 Policy Discounts

Pricey auto insurance can take a big chunk out of your personal savings and put a big crunch on your finances. Performing a price comparison is a great way to ensure you are getting the best deal.

Consumers have multiple insurers to pick from, and though it is a good thing to have a choice, it can be more difficult to compare rates and cut insurance costs.

The purpose of this post is to tell you the most effective way to quote insurance and some money-saving tips. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these methods. Although consumers do need to learn the way insurance companies market on the web and use this information to your advantage.

How to compare insurance quotes

Most major insurance companies such as Progressive, Allstate and GEICO provide prices for coverage directly from their websites. Comparing rates online is fairly simple because it’s just a matter of typing in the coverage amounts you desire on the page. When complete, the company’s rating system makes automated requests for your credit score and driving record and returns a price quote. This makes it simple to compare prices but having to visit several different sites and enter the same data into a form is monotonous and tiresome. But it’s absolutely necessary to perform this step in order to get the lowest price.

The preferred way to compare rates is to use a quote form that analyzes rates from a lot of companies. The form is fast, reduces the work, and makes price shopping online much more enjoyable and efficient. As soon as the form is sent, your coverage is rated and you are able to buy any of the quotes returned.

If you find a better price it’s easy to complete the application and purchase the new policy. This process can be completed in a matter of minutes and may result in a nice savings.

To save time and find out how much you’re overpaying now, click here to open in a new tab and enter your information. If you currently have coverage, we recommend you complete the form with identical to your current policy. This way, you will have an apples-to-apples comparison for exact coverage.

Insurance coverage buyers beware

Respected companies like Progressive, Allstate and GEICO continually stream ads on television and other media. All the companies advertise the message that you’ll save big just by switching your coverage. Is it even possible that every company can make almost identical claims? This is the trick they use.

Insurance coverage companies quote their best rates for the type of insured that earns them the most money. An example of a profitable customer could possibly be between 30 and 50, has no claims, and the vehicle is rated for pleasure use. A customer that hits that “sweet spot” will qualify for the lowest prices and as a result will probably save a lot if they switch.

Insureds who don’t measure up to the “perfect” profile must pay higher prices which results in the driver buying from a lower-cost company. The trick is to say “drivers who switch” not “all people who quote” save money. That’s the way companies can truthfully make it sound like they have such great premium rates.

That is why it is so important to quote coverage with many companies. It is impossible to guess which insurance coverage company will be your best fit.

Car insurance discounts are available to lower your rates

Some insurance providers do not list every available discount very well, so the list below gives a summary of some of the more common in addition to some of the lesser obvious savings tricks you should be using when you buy car insurance online. If you are not receiving all the discounts available, you are paying more than you should be.

  • Full Payment Discount – By making one initial payment rather than paying monthly you can actually save on your bill.
  • No Accidents – Drivers with accident-free driving histories have much lower rates as compared to insureds who have frequent claims or accidents.
  • E-sign – A few larger companies will discount your bill up to fifty bucks get car insurance digitally online.
  • Professional Organizations – Being a member of a professional or civic organization is a good way to get lower rates on your next car insurance statement.
  • Discount for Multiple Policies – If you have multiple policies with the same company you may save as much as 10 to 15 percent.
  • Use Seat Belts – Forcing all vehicle occupants to fasten their seat belts could save 15% off PIP or medical payments premium.
  • Braking Control Discount – Cars and trucks with ABS and/or traction control can reduce accidents and therefore earn up to a 10% discount.
  • Accident Forgiveness Coverage – but a handful of insurance companies allow you one accident before hitting you with a surcharge if you have no claims prior to being involved in the accident.
  • Own a Home and Save – Owning a house can get you a discount since home ownership demonstrates responsibility.

Don’t be surprised that most discounts do not apply to all coverage premiums. The majority will only reduce individual premiums such as medical payments or collision. Despite the appearance that it’s possible to get free car insurance, you aren’t that lucky.

A partial list of companies who might offer these discounts include:

Check with each company or agent which discounts you may be entitled to. Discounts might not apply in your area.

Everyone needs different auto insurance coverages

When buying adequate coverage, there really is no “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that can aid in determining whether you would benefit from professional advice.

  • Should I get collision insurance on every vehicle?
  • If my 2016 Chevy Silverado 2500HD is totaled, can I afford another vehicle?
  • Do I need roadside assistance coverage?
  • Do I pay less for low miles?
  • Am I covered when pulling a rental trailer?
  • Is my teenager covered with friends in the car?
  • Is a blown tire covered by insurance?
  • What is no-fault insurance?
  • Do I need PIP coverage since I have good health insurance?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance coverage considerations

Understanding the coverages of a auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages found on most auto insurance policies.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your Chevy Silverado 2500HD.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for bills for things like EMT expenses, X-ray expenses and rehabilitation expenses. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Collision – This covers damage to your Silverado 2500HD from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for things like colliding with another moving vehicle, crashing into a ditch, colliding with a tree, hitting a parking meter and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – This coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hail damage, a tree branch falling on your vehicle and fire damage. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverages – Liability insurance will cover damage that occurs to other people or property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like structural damage, loss of income, repair bills for other people’s vehicles and court costs. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Quote more. Save more.

Some insurance companies may not have rate quotes online and many times these regional carriers only sell coverage through local independent agents. Budget-conscious 2016 Chevy Silverado 2500HD insurance is possible online in addition to local insurance agencies, so you need to compare both to have the best chance of lowering rates.

When you buy car insurance online, never sacrifice coverage to reduce premiums. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your strategy should be to buy the best coverage you can find for the lowest price.

More detailed car insurance information can be read by following these links: