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Chevrolet Silverado 3500HD Insurance Cost

Comparing car insurance by quoting online saves time, is easy to do, plus you can save money. The key to finding lower rates is getting rates from all companies so you can compare the lowest rate quotes.

Using the web to shop for car insurance direct can be difficult if you are a beginner to quoting online. But don't be discouraged because it's actually quite easy. There are several ways of comparing rates from local car insurance companies. By far the easiest way to find the lowest Silverado 3500HD insurance rates involves getting comparison quotes online. This can be done by visiting this page.

Rates are determined by the following

Car insurance premiums on a Chevrolet Silverado 3500HD can be significantly different and are calculated by many factors. Including but not limited to:

  • Tickets increase premiums
  • Better credit means lower rates
  • Male rates may be higher
  • Higher deductibles save money
  • Crash test rating for your Silverado 3500HD
  • Your occupation
  • Your coverage level
  • Home ownership saves money

An additional factor that can impact Silverado 3500HD insurance cost is the year of the vehicle. Used vehicles have a lower value than newer models so the cost to replace them may end up costing you less. On the flip side, newer vehicles may have safety features like lane departure warning system, anti-lock brakes, and adaptive headlights that may help provide discounts that lower premiums.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Liability coverages

This can cover damage or injury you incur to people or other property. Liability coverage protects against claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy as large an amount as possible.

Collision insurance

This coverage covers damage to your Chevrolet resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company. Collision coverage for your Silverado 3500HD can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to get cheaper Silverado 3500HD insurance cost.

Comprehensive coverages

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. PIP coverage is not an option in every state but can be used in place of medical payments coverage.

How Much are Chevrolet Silverado 3500HD Insurance Rates?