Compare 2017 Chevrolet Silverado 3500HD Car Insurance Rates

No one in their right mind is fond of buying insurance, in particular when they are paying too much.

Many car insurance companies vie to insure your vehicles, so it’s not easy to compare every insurance company and get the best coverage at the lowest rate possible.

If you currently have car insurance, you will most likely be able to lower your premiums substantially using these techniques. Buying car insurance is not rocket science. Nevertheless, consumers must learn the methods companies use to market insurance on the web and apply this information to your search.

Cheaper rates with discounts

Some providers don’t always publicize every available discount in a way that’s easy to find, so here is a list some of the best known and also the lesser-known credits that may apply to you.

  • Homeowners Savings – Simply owning a home can save you money because of the fact that having a home means you have a higher level of financial diligence.
  • Club Memberships – Affiliation with a civic or occupational organization could qualify you for a break on your policy.
  • E-sign – Some of the larger companies will give you a small discount get auto insurance on their website.
  • Discount for Passive Restraints – Factory air bags may earn rate discounts of up to 25% or more.
  • Braking Control Discount – Cars, trucks, and SUVs with ABS and/or traction control can stop better under adverse conditions and will save you 10% or more.

A little disclaimer on discounts, some credits don’t apply to your bottom line cost. Most only apply to individual premiums such as medical payments or collision. So when it seems like you could get a free auto insurance policy, you’re out of luck. But any discount will definitely reduce your policy premiums.

The best auto insurance companies and a summarized list of policyholder discounts can be found below.

  • Farmers Insurance may have discounts that include youthful driver, multi-car, teen driver, electronic funds transfer, business and professional, pay in full, and good student.
  • State Farm includes discounts for multiple autos, defensive driving training, accident-free, driver’s education, Drive Safe & Save, and safe vehicle.
  • Liberty Mutual offers premium reductions for new vehicle discount, new move discount, teen driver discount, good student, newly married, and new graduate.
  • MetLife may include discounts for good driver, defensive driver, good student, claim-free, accident-free, multi-policy
  • Progressive policyholders can earn discounts including continuous coverage, good student, multi-policy, homeowner, and online quote discount.

If you are trying to find cheaper auto insurance quotes, ask every prospective company which discounts they offer. Depending on the company, some discounts might not be offered in your area.

What is the best insurance coverage?

When it comes to buying coverage, there is no perfect coverage plan. Every situation is different and your policy should reflect that. Here are some questions about coverages that may help you determine whether or not you would benefit from professional advice.

  • Which is better, split liability limits or combined limits?
  • Can I still get insurance after a DUI?
  • Why am I required to buy liability insurance?
  • How can I force my company to pay a claim?
  • Do I pay less if my vehicle is kept in my garage?
  • Do I need replacement cost coverage on my 2017 Chevy Silverado 3500HD?
  • Is my camper covered by my car insurance policy?
  • Does my 2017 Chevy Silverado 3500HD qualify for pleasure use?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Who is covered when they drive my 2017 Chevy Silverado 3500HD?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Advertising and auto insurance

Auto insurance providers like Allstate, GEICO and Progressive regularly use ads on television and other media. They all seem to make the same claim that people will save after switching your auto insurance coverage to their company. How is it plausible that every one can say the same thing? This is the way they can do it.

Auto insurance companies give the cheapest rates for a prospective insured that earns them the most money. An example of a desirable insured might be over the age of 50, carries high limits, and drives less than 7,500 miles a year. Any customer who meets those qualifications may get the lowest car insurance rates and is almost guaranteed to cut their rates substantially.

Consumers who are not a match for those criteria must pay a more expensive rate which results in the customer buying from a different company. The trick is to say “drivers who switch” but not “everyone who gets a quote” save that much. That’s the way insurance companies can advertise the way they do.

Because of the profiling, drivers should compare free auto insurance quotes often. You cannot predict which company will give you the biggest savings.

Insurance coverages 101

Knowing the specifics of insurance aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are the normal coverages found on the average insurance policy.

Liability – This coverage protects you from injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things such as repair costs for stationary objects, repair bills for other people’s vehicles, loss of income and court costs. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Collision – Collision insurance covers damage to your Silverado 3500HD caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a parking meter, crashing into a ditch, backing into a parked car and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage – This coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your 2017 Chevy Silverado 3500HD.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage – This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, hail damage and falling objects. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as funeral costs, surgery, chiropractic care, prosthetic devices and ambulance fees. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Get your money’s worth

You just learned quite a bit of information on how to save on 2017 Chevy Silverado 3500HD insurance. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting the cheapest auto insurance. You may even find the lowest priced insurance comes from a company that doesn’t do a lot of advertising. These companies may have significantly lower prices on certain market segments as compared to the big name companies such as Progressive or GEICO.

There are still a few companies who may not offer rates over the internet and most of the time these smaller companies provide coverage only through independent insurance agencies. Cheap 2017 Chevy Silverado 3500HD insurance is definitely available both online and from local insurance agents, so you need to compare both in order to have the best price selection to choose from.

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