Cheap 2006 Chevrolet Silverado 2500HD Insurance Quotes

Looking for lower auto insurance rates? Shoppers have options when shopping for the best price on Chevy Silverado 2500HD insurance. They can either waste time struggling with agents getting price quotes or leverage the internet to compare rates. There is a better way to find auto insurance online and we’ll show you the best way to compare rates on a Chevy and get the best price possible from local insurance agents and online providers.

Don’t overlook these discounts

Companies that sell car insurance do not list all available discounts in an easy-to-find place, so here is a list both well-publicized as well as the least known savings tricks you should be using. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • 55 and Retired – Mature drivers can possibly qualify for a small decrease in premiums for SilveradoHD coverage.
  • Service Members Pay Less – Having a family member in the military could mean lower rates.
  • Low Mileage Discounts – Keeping the miles down on your Chevy can earn better rates on cars that stay parked.
  • Student in College – Any of your kids living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Auto/Home Discount – If you insure your home and vehicles with one insurance company you may earn approximately 10% to 15%.
  • Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Payment Discounts – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you can get free auto insurance, it just doesn’t work that way.

For a list of insurance companies with discount car insurance rates, follow this link.

How to Compare Insurance Costs

Finding cheaper 2006 Chevy Silverado 2500HD insurance prices can be surprisingly simple. All you need to do is spend a few minutes comparing price quotes online with multiple companies. This is very easy and can be done using a couple different methods.

Probably the best way to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This form eliminates the need for separate forms to each individual insurance company. Filling out one form compares rates from many national carriers. It’s definitely the quickest method.

A more time consuming way to get comparison quotes requires you to visit the website of each company and fill out their own quote form. For instance, we’ll assume you want to compare Auto-Owners, State Farm and Allstate. To get rate quotes you would need to go to every website and enter your policy data, which is why the first method is more popular.

For a list of links to companies insuring cars in your area, click here.

It’s your choice how you get your quotes, but ensure you’re using apples-to-apples coverage information for every company. If you use differing limits it will be impossible to decipher which rate is best.

Is my situation unique?

When it comes to choosing proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Every situation is different.

These are some specific questions might point out if you would benefit from professional advice.

  • Am I covered when delivering products for my home-based business?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I have any recourse if my insurance company denies a claim?
  • How can I get high-risk coverage after a DUI?
  • Is my teen driver covered when they drive my company car?
  • Am I covered if I crash into my own garage door?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Auto insurance coverage information

Having a good grasp of insurance aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Coverage for liability

This protects you from damage that occurs to other people or property. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things like repair costs for stationary objects, structural damage, legal defense fees and court costs. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision coverage protection

Collision insurance pays for damage to your Silverado 2500HD from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as sideswiping another vehicle, crashing into a ditch and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 2006 Chevy Silverado 2500HD.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as ambulance fees, chiropractic care, prosthetic devices and surgery. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers all vehicle occupants and also covers being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive insurance

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from getting keyed, theft, damage from a tornado or hurricane and rock chips in glass. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Be a smart shopper

We’ve covered a lot of techniques to get a better price on 2006 Chevy Silverado 2500HD insurance. The key concept to understand is the more providers you compare, the higher your chance of finding lower rates. You may even discover the best prices are with the least-expected company.

Insureds who switch companies do it for a number of reasons such as high prices, poor customer service, high rates after DUI convictions or lack of trust in their agent. No matter why you want to switch, choosing a new company can be easy and end up saving you some money.

The cheapest insurance can be found from both online companies and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies may not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

Even more information can be read by following these links: