Compare 2011 Chevrolet Silverado 2500HD Car Insurance Rates

Searching for lower insurance rates for your Chevrolet Silverado 2500HD? Have you fallen victim to high-priced insurance? Trust us, you are not the only one feeling buyer’s remorse. There are many auto insurance companies to pick from, and although it’s a good thing to have a selection, it can be more difficult to adequately compare rates.

Take discounts and save

Car insurance is not cheap, buy you may qualify for discounts that you may not know about. A few discounts will automatically apply at the time of purchase, but lesser-known reductions have to be specifically requested before being credited. If you don’t get every credit possible, you’re just leaving money on the table.

  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
  • Low Mileage Discounts – Fewer annual miles on your Chevy could qualify for discounted rates on garaged vehicles.
  • Own a Home – Owning a house may trigger a auto insurance policy discount because of the fact that having a home shows financial diligence.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off your PIP or medical payments premium.
  • Student in College – Kids in college living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Accident Waiver – A few companies will forgive one accident before your rates go up if your claims history is clear for a set time period.
  • Good Student – A discount for being a good student can earn a discount of 20% or more. The discount lasts up until you turn 25.

As a disclaimer on discounts, most discount credits are not given the the whole policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like you can get free auto insurance, companies wouldn’t make money that way. Any qualifying discounts will reduce the amount you have to pay.

To see a list of insurers with discount auto insurance rates, follow this link.

Low Cost Auto Insurance

There are several ways to compare Chevy Silverado 2500HD auto insurance prices but some are easier and takes less work. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you could save time and use the internet to achieve your goal.

All the larger companies take part in a program that enables customers to submit one quote, and each company then gives them pricing based on that information. This prevents consumers from doing quotation requests for each company you want a rate for.

To find out how much you’re overpaying now click here to open in new window.

The single downside to using this type of form is you don’t know exactly the companies you will receive quotes from. So if you want to choose individual companies to request quotes from, we have a page of the cheapest auto insurance companies in your area. Click to view list.

Whichever method you choose, make sure you use the exact same coverage information on every quote. If you compare different values for each quote it will be next to impossible to truly determine the lowest rate.

Which policy gives me the best coverage?

When buying the right insurance coverage, there isn’t really a best way to insure your cars. Every situation is different so your insurance needs to address that. Here are some questions about coverages that can help discover if your situation could use an agent’s help.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • When should I not file a claim?
  • Should I put collision coverage on all my vehicles?
  • When should I drop full coverage on my 2011 Chevy Silverado 2500HD?
  • Are my friends covered when driving my 2011 Chevy Silverado 2500HD?
  • Can I rent a car in Mexico?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Can I afford to pay high deductible claims out of pocket?
  • What if I owe more than I can insure my car for?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Auto insurance policy coverages for a Chevy Silverado 2500HD

Knowing the specifics of auto insurance aids in choosing appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages available from auto insurance companies.

Auto collision coverage

This pays for damage to your Silverado 2500HD caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like scraping a guard rail, crashing into a building and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for bills such as doctor visits, surgery, EMT expenses and pain medications. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, a tree branch falling on your vehicle, hail damage, a broken windshield and damage from flooding. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Chevy Silverado 2500HD.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability coverage

Liability coverage will cover damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as legal defense fees, medical expenses, emergency aid, structural damage and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

In conclusion

Cheaper 2011 Chevy Silverado 2500HD insurance can be found online and also from your neighborhood agents, so you should compare both to have the best selection. A few companies may not provide online price quotes and these regional insurance providers work with independent agents.

As you prepare to switch companies, it’s very important that you do not skimp on critical coverages to save a buck or two. There are a lot of situations where consumers will sacrifice full coverage and learned later that the savings was not a smart move. Your strategy should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

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