Save on 2006 Chevrolet Silverado 2500HD Insurance Quotes

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Sep 29, 2017

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It’s all about you. We want to help you make the right coverage choices.

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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Want the cheapest insurance coverage rates for your Chevrolet Silverado 2500HD? Price shopping your insurance coverage is always hard for people who are new to shopping for insurance online. You have so many companies to choose from that it can quickly become a real hassle to find lower rates.

Choosing the best insurance company for you is not rocket science. Essentially everyone who has to buy insurance stands a good chance to be able to reduce their rates. But drivers need to have an understanding of how insurance companies price insurance differently.

The method we recommend to get policy rate comparisons is to understand most larger insurance companies provide online access to give you rate quotes. To begin a comparison, all you need to do is provide a little information including if you have an active license, any included safety features, how you use your vehicles, and how much you drive. Your insurance information is instantly sent to multiple companies and they return rate quotes within a short period of time.

To start a rate quote now, click here and complete the form.

Do I just need basic coverages?

When choosing coverage for your vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine whether your personal situation might need an agent’s assistance.

  • What is PIP insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Can my babysitter drive my car?
  • Is my cargo covered for damage or theft?
  • How much liability do I need to cover my assets?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered if hit by an uninsured driver?
  • Is my Chevy Silverado 2500HD covered if I use it for business?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Educate yourself about auto insurance coverages

Knowing the specifics of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Liability insurance – Liability coverage can cover damage or injury you incur to people or other property by causing an accident. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims like medical expenses, loss of income and medical services. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Comprehensive auto coverage – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, damage from flooding and a broken windshield. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

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

Collision can pay for claims like hitting a parking meter, scraping a guard rail, colliding with another moving vehicle and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for bills like EMT expenses, hospital visits, rehabilitation expenses and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

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