2015 Chevrolet Silverado 2500HD Car Insurance Quotes – 8 Tips for Best Rates

Trying to find the cheapest auto insurance rates for your Chevrolet Silverado 2500HD? Are you tired of robbing Peter to pay Paul each month for car insurance? Your situation is no different than many other drivers.

Lots of insurance companies contend for your business, so it’s not easy to compare every provider to discover the definitive lowest price

If you currently have car insurance, you will most likely be able to cut costs considerably using these methods. Buying car insurance is quite easy. Although car owners must know the way insurance companies sell online because it can help you find the best coverage.

How to Compare Insurance Coverage Rates

There are multiple methods to shop for 2015 Chevy Silverado 2500HD insurance coverage, but some are more efficient than others. You could spend the better part of a day driving to insurance agencies in your area, or you could save time and use the internet to get the quickest rates.

The majority of car insurance companies belong to an insurance system that enables customers to enter their policy data once, and every company returns a competitive quote for coverage. This system prevents you from having to do quote forms to each individual insurance coverage company.

To find out how much you can save on insurance coverage click here to open in new window.

The only drawback to doing it this way is you can’t choose which companies you will receive quotes from. If you wish to select individual companies to request quotes from, we have a page of companies who write insurance coverage in your area. View list of insurance companies.

Whichever method you choose, ensure you’re using the exact same coverage information on every quote. If the quotes have differing limits then you won’t be able to make an equal comparison. Just a small difference in insurance coverages can mean a large discrepancy in price. Just keep in mind that obtaining a wide range of quotes helps you find lower pricing.

These eight discounts can lower your rates

Car insurance can cost a lot, but there are discounts available to cut the cost considerably. A few discounts will automatically apply at quote time, but less common discounts must be asked about prior to getting the savings.

  • Government Employees – Simply working for the federal government can earn a discount up to 10% for SilveradoHD coverage depending on your company.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can get savings of 20% or more.
  • No Claims – Drivers with accident-free driving histories pay much less as compared to accident-prone drivers.
  • Use Seat Belts – Drivers who require all occupants to use a seat belt can save up to 15% off your medical payments premium.
  • Sign Online – A few companies will discount your bill up to fifty bucks just for signing your application digitally online.
  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Accident Waiver – Certain companies will forgive one accident without raising rates so long as you haven’t had any claims for a certain period of time.
  • Club Memberships – Participating in certain professional organizations could qualify you for a break when shopping for insurance coverage for SilveradoHD coverage.

Drivers should understand that most discount credits are not given the the whole policy. Most only apply to specific coverage prices like comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, it just doesn’t work that way. Any qualifying discounts will bring down your premiums.

A partial list of companies that may offer these money-saving discounts may include but are not limited to:

Check with each insurance company how you can save money. Some discounts may not apply in every state.

Different people need different coverages

When buying proper insurance coverage for your vehicles, there is no one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions can help discover whether or not you might need an agent’s assistance.

  • Am I covered if I crash into my own garage door?
  • Are rental cars covered under my policy?
  • Am I covered when pulling a rental trailer?
  • How can I force my company to pay a claim?
  • Exactly who is provided coverage by my policy?
  • Am I covered if I break a side mirror?
  • Is my 2015 Chevy Silverado 2500HD covered for flood damage?
  • Do I need rental car coverage?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Can switching companies really save?

Car insurance providers like GEICO, State Farm and Progressive constantly bombard you with television and radio advertisements. They all say the same thing that you can save if you switch to their company. How does each company make the same claim? This is how they do it.

All companies have a certain “appetite” for the type of driver that is profitable for them. For instance, a desirable insured might be profiled as between 30 and 50, has no driving citations, and has a high credit rating. A customer getting a price quote that hits that “sweet spot” will qualify for the lowest rates and most likely will save when switching.

Potential insureds who don’t meet the requirements will be quoted a more expensive rate which leads to business going elsewhere. The ad wording is “people who switch” not “people who quote” save that kind of money. That’s why companies can truthfully advertise the savings.

This emphasizes why it is so important to quote coverage with many companies. It’s not possible to predict the company that will fit your personal profile best.

Detailed coverages of your insurance policy

Understanding the coverages of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages available from insurance companies.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for things like damaging your car on a curb, driving through your garage door, sideswiping another vehicle, colliding with another moving vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses like chiropractic care, doctor visits, dental work, rehabilitation expenses and surgery. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Chevy Silverado 2500HD.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

Liability

Liability coverage will cover damage or injury you incur to a person or their property. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is 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 pays for claims like loss of income, emergency aid, medical expenses, medical services and structural damage. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like rock chips in glass, hitting a bird, hitting a deer and damage from a tornado or hurricane. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Smart consumers save more

The cheapest 2015 Chevy Silverado 2500HD insurance is definitely available online as well as from independent agents, and you need to price shop both to have the best selection. There are still a few companies who don’t offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

You just read many ways to get a better price on insurance. The key concept to understand is the more you quote, the higher the chance of saving money. You may even discover the most savings is with the least-expected company. They can often provide lower rates in certain areas than the large multi-state companies such as Progressive and GEICO.

When buying insurance coverage, it’s a bad idea to sacrifice coverage to reduce premiums. There are a lot of situations where someone sacrificed full coverage only to discover later that it was a big error on their part. Your aim should be to purchase a proper amount of coverage at the best price while still protecting your assets.

Much more information about auto insurance can be read at these links: