2014 Chevrolet Silverado 2500HD Insurance Quotes – 8 Savings Tips

Searching for better auto insurance rates for your Chevrolet Silverado 2500HD? Overpriced Chevrolet Silverado 2500HD insurance can take a big chunk out of your savings account and force you to prioritize other expenses. Comparing price quotes is a great way to help make ends meet. Consumers have many insurance companies to choose from, and though it is a good thing to be able to choose, it makes it harder to find a good deal.

Buying car insurance is not that difficult. If you have car insurance now, you stand a good chance to be able to save some money using this information. Drivers just need to know the most efficient way to compare prices online.

Cheap Car Insurance Comparisons

There are multiple methods to compare 2014 Chevy Silverado 2500HD car insurance quotes, but there is one way that is less time-consuming than others. You could waste time discussing policy coverages with agents in your area, or you could save time and use online quotes to get the quickest rates.

Most of the larger companies belong to a marketplace where insurance shoppers only type in their quote data once, and at least one company returns a rated price for coverage. This system prevents you from having to do repetitive form submissions to each company. To access this free quoting program, click here to start a free quote.

One minor caviat to using this type of form is that consumers can’t choose the providers you want pricing from. If you wish to select specific providers to compare rates, we have a page of the cheapest car insurance companies in your area. Click to view list.

Whichever method you choose, ensure you are comparing exactly the same coverages with every price quote. If you enter different limits and deductibles on each one it will be very difficult to make an equal comparison.

Is my situation unique?

When it comes to buying coverage, there really is not a “best” method to buy coverage. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that may help you determine whether or not you will benefit from professional help.

• Do I need medical payments coverage since I have good health insurance?
• Do I have coverage when making deliveries for my home business?
• Are there companies who specialize in insuring high-risk drivers?
• How do I file an SR-22 for a DUI in my state?
• Do I get a pro-rated refund if I cancel my policy early?
• Which is better, split liability limits or combined limits?
• Am I covered if I drive in a foreign country?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and you can get the answers you need.

Specific coverage details

Knowing the specifics of your auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages available from auto insurance companies.

Comprehensive coverage (or Other than Collision)

This pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, hitting a bird, damage from a tornado or hurricane, rock chips in glass and falling objects. The most your auto 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 Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Chevy Silverado 2500HD.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability insurance

Liability coverage can cover damage or injury you incur to other people or property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like emergency aid, legal defense fees, repair costs for stationary objects and structural damage. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Insurance for medical payments

Med pay and PIP coverage provide coverage for immediate expenses for things like funeral costs, X-ray expenses, doctor visits, hospital visits and dental work. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Collision protection

This will pay to fix damage to your Silverado 2500HD resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sustaining damage from a pot hole, rolling your car and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.