Lower Your 2013 Chevrolet Silverado 3500HD Insurance Cost
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UPDATED: May 12, 2022
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Expensive insurance coverage can overdraw your savings account and put a big crunch on your finances. Comparing price quotes is free and is an excellent way to reduce premiums and put more money in your pocket. You have so many insurers to pick from, and although it’s nice to be able to choose, having more car insurance companies makes it harder to compare company pricing.
Finding the best rates is easy if you know what you’re doing. If you are insured now or need a new policy, you can follow these tips to shop for the lowest rates and still get good coverage. Drivers just need to know the best way to buy insurance over the internet.
Comprehensive Car Insurance Comparison Quotes
Comparing car insurance rates can be challenging if you aren’t aware of the easiest way. You can waste hours discussing policy coverages with local insurance agents in your area, or you could use online quotes to get rate comparisons in just a few minutes.
Many companies belong to an insurance system that enables customers to complete one form, and each participating company can provide price quotes determined by their information. This prevents consumers from doing quote forms to every company.
To compare pricing click here to open in new window.
The single downside to using this type of system is that consumers can’t choose which carriers to receive prices from. So if you prefer to pick individual companies to compare, we have a listing of companies who write car insurance in your area. Click to view list.
Whichever way you use, compare apples-to-apples coverages and limits with every price quote. If you are comparing different deductibles it’s impossible to determine which rate is truly the best.
Best discounts on Chevy Silverado 3500HD coverage
Companies that sell car insurance do not advertise all their discounts very clearly, so we break down both well-publicized and the harder-to-find insurance savings. If you’re not getting every credit available, you’re just leaving money on the table.
- Service Members Pay Less – Having a family member in the military could be rewarded with lower premiums.
- Driver Safety – Taking a course teaching defensive driving skills can save you 5% or more if your company offers it.
- Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
- Student Driver Training – Have your child take driver’s ed class if offered at their school.
- Early Switch Discount – Some insurance companies reward drivers for switching to them before your current policy expires. It’s a savings of about 10%.
- Save over 55 – Mature drivers can possibly qualify for a discount up to 10% for SilveradoHD coverage.
- Federal Government Employee – Employees or retirees of the government could cut as much as 10% off for SilveradoHD coverage depending on your company.
- Multiple Policy Discount – When you combine your home and auto insurance with one company you may save 10% to 20% off each policy.
It’s important to note that some of the credits will not apply to all coverage premiums. Most only reduce specific coverage prices like liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, companies wouldn’t make money that way.
For a list of providers with the best insurance discounts, click this link.
Your Chevy Silverado 3500HD insurance rate is a complex equation
Consumers need to have an understanding of some of the elements that help determine the rates you pay for insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that may reward you with lower insurance prices.
- Your credit rating is important – A driver’s credit score is a big factor in calculating your insurance rates. Consumers who have excellent credit tend to be less risk to insure than drivers who have lower credit ratings. If your credit score is low, you could potentially save money when insuring your 2013 Chevrolet Silverado 3500HD by repairing your credit.
- Pay less after the wedding – Having a spouse can actually save you money on your policy. It is viewed as being more mature and responsible and statistics show married couples file fewer claims.
- Safer cars cost less to insure – Vehicles with good safety scores can get you lower premiums. The safest vehicles protect occupants better and lower injury rates translates into savings for insurance companies and thus lower rates. If your Chevy Silverado 3500HD has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
- Do you have a high stress job? – Did you know that where you work can have an impact on rates? Careers like judges, executives and accountants tend to pay higher rates than average in part from high stress and long work days. On the flip side, professions such as farmers, athletes and homemakers have the lowest average rates for SilveradoHD coverage.
- Liability coverage protects you – Your policy’s liability coverage will protect you if ever you are found to be at fault for personal injury or accident damage. It provides legal defense which can cost thousands of dollars. This coverage is very inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
- Your age impacts your rates – Teenage drivers are statistically proven to be careless and easily distracted when driving so insurance rates are higher. If you’ve ever had to add a teenage driver onto your insurance can be quite pricey. More mature drivers are more cautious drivers, file fewer claims and get fewer tickets.
- Equipment add-ons that lower insurance rates – Owning a car with a theft deterrent system can save you a little every year. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your vehicle from being stolen.
- Your location is important – Residing in a small town can save you money when it comes to insurance. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims. City drivers have to deal with traffic congestion and longer commutes to work. More time on the road can result in more accidents.
Tailor your coverage to you
When it comes to buying the best auto insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that may help highlight if your insurance needs would benefit from professional advice.
- Can I rate high risk drivers on liability-only vehicles?
- Do I need to file an SR-22 for a DUI in my state?
- Does my car insurance cover rental cars?
- Is borrowed equipment or tools covered if stolen or damaged?
- Is my state a no-fault state?
- If my 2013 Chevy Silverado 3500HD is totaled, can I afford another vehicle?
- Do I have coverage if my license is suspended?
If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.
Consumers constantly see and hear ads for car insurance savings by companies like Allstate and Progressive. All the companies have a common claim that you’ll save big if you switch to them.
How can each company claim to save you money? This is how they do it.
All companies have a certain “appetite” for the type of driver that makes them money. An example of a driver they prefer might be over the age of 50, has no driving citations, and drives less than 7,500 miles a year. A driver who meets those qualifications receives the best rates and is almost guaranteed to save a lot of money.
Drivers who don’t measure up to this ideal profile will have to pay more money which usually ends up with the customer not buying. Company advertisements say “people who switch” not “everybody who quotes” save that much money. That’s the way companies can truthfully claim big savings. Because of the profiling, drivers must get as many quotes as possible. It’s impossible to know which auto insurance company will fit your personal profile best.
Insurance coverage considerations
Understanding the coverages of your policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages found on the average insurance policy.
Med pay and Personal Injury Protection (PIP)
Medical payments and Personal Injury Protection insurance kick in for immediate expenses like dental work, funeral costs, EMT expenses and ambulance fees. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay
Liability insurance can cover damage that occurs to people or other property. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.
Liability can pay for things like emergency aid, medical expenses and legal defense fees. How much coverage you buy is your choice, but buy as much as you can afford.
This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things like falling objects, hitting a deer and a broken windshield. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Collision insurance will pay to fix damage to your Silverado 3500HD 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 protects against things like sideswiping another vehicle, colliding with another moving vehicle and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Chevy Silverado 3500HD.
Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Shop around and save
In this article, we covered many ways to reduce 2013 Chevy Silverado 3500HD insurance prices online. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may even find the best price on insurance is with some of the smallest insurance companies. These companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.
When shopping online for insurance, don’t be tempted to buy less coverage just to save a little money. In too many instances, someone dropped full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy the best coverage you can find at a price you can afford while still protecting your assets.
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