How Much Does 2016 Chevrolet Silverado 3500HD Car Insurance Cost?

Looking for the cheapest auto insurance rates for your Chevrolet Silverado 3500HD? Finding cheap auto insurance could be kind of frustrating for drivers who are beginners to buying insurance online. Consumers have so many agents and companies to choose from that it can easily be a difficult situation to find the lowest price.

Consumers should take time to get comparison quotes as often as possible because prices fluctuate regularly. Despite the fact that you may have had the lowest rates on SilveradoHD insurance six months ago other companies may now be cheaper. Don’t believe everything you read about auto insurance on the web, but in a few minutes you can learn some of the best ways to stop overpaying for insurance.

Cheapest auto insurance price quotes

When shopping for low cost car insurance quotes, there are a couple of ways to compare rate quotes from many different insurance companies. The easiest way to find competitive Chevy Silverado 3500HD insurance rates consists of shopping online. It’s really quite simple and can be done by using one of the methods below.

  1. The single most time-saving way consumers can analyze rates would be an industry-wide quote request form click to view form in new window. This form saves time by eliminating boring form submissions for every company. One quote request will return quotes from all major companies. It’s definitely the quickest method.
  2. A harder way to analyze rates consists of visiting each company website to complete a price quote. For sake of this example, we’ll assume you want comparison quotes from GEICO, Liberty Mutual and American Family. You would be required to spend time on each company’s site and punch in your information repeatedly, which can take a lot of time.

    To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just make sure you use identical coverage data with each company. If you use mixed coverages you can’t possibly truly determine the lowest rate. Slightly different limits may cause a big price difference. And when comparison shopping, comparing more company’s prices gives you a better chance of getting the best rates. Not every company provides rate quotes online, so it’s important to also get price estimates from the smaller companies as well.

Tailor your insurance coverage to you

When it comes to buying proper insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that may help highlight whether or not you might need professional guidance.

  • Does my car insurance cover rental cars?
  • Will filing a claim cost me more?
  • Does medical payments coverage apply to all occupants?
  • Am I covered when driving someone else’s vehicle?
  • Which is better, split liability limits or combined limits?
  • What if I don’t agree with a claim settlement offer?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Insurance coverage breakdown

Understanding the coverages of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for bills for things like surgery, doctor visits and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Coverage for uninsured or underinsured drivers – This gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Collision – Collision insurance covers damage to your Silverado 3500HD resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a parking meter, sideswiping another vehicle, scraping a guard rail, colliding with a tree and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Comprehensive insurance – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as falling objects, rock chips in glass, hitting a bird and vandalism. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverages – Liability coverage can cover damage or injury you incur to other’s property or people. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as loss of income, pain and suffering and medical services. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.