2014 Chevrolet Silverado 3500HD Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 25, 2024

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Trying to find cheaper insurance coverage rates for your Chevrolet Silverado 3500HD? No car owner likes paying for insurance coverage, especially knowing the cost is too high.

Many insurers vie for your business, so it’s not easy to compare every company and get the definite lowest price

Auto insurance discounts are available to slash your rates

Auto insurance can be pricey, but there are discounts available to help offset the cost. Most are applied at the time you complete a quote, but less common discounts must be specially asked for before you will receive the discount.

  • Seat Belts Save – Requiring all passengers to wear their seat belts could save 15% off the PIP or medical payment premium.
  • Drive Safe and Save – Drivers who avoid accidents can save as much as half off their rates for SilveradoHD insurance than drivers with accident claims.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discounted rate on car insurance if you buy auto and life insurance together.
  • Switch and Save Discount – A few larger companies offer discounts for switching to them before your current expiration date. It can save you around 10%.
  • Discounts for Government Workers – Active or former government employment could qualify for a slight premium decrease for SilveradoHD insurance with a few auto insurance companies.
  • Anti-theft System – Cars equipped with anti-theft or alarm systems can help prevent theft so companies will give you a small discount.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the overall cost of the policy. Most cut specific coverage prices like liability and collision coverage. So when the math indicates you can get free auto insurance, you’re out of luck.

To choose insurance companies who offer online auto insurance quotes, enter your zip code here.

Buy cheap auto insurance with these tips

Many different elements are taken into consideration when premium rates are determined. Some factors are common sense like an MVR report, although others are more transparent such as your credit history and annual miles driven.

Shown below are some of the most rate-impacting factors auto insurance companies consider when setting your rates.

  • Premiums drop with age – Teenage drivers have been known to get distracted easily behind the wheel and because of this, their auto insurance rates are much higher. If you’ve ever had to add a young driver to your auto insurance policy can cause a big jump in price. Older, more experienced drivers are shown to be more cautious, file fewer claims and receive fewer citations.
  • Don’t cut corners with liability protection – The liability section of your policy is the protection if you are found to be at fault for physical damage or personal injury to other. It provides for a legal defense which can cost a lot. Liability insurance is pretty cheap compared to physical damage coverage, so do not cut corners here.
  • Your location is a factor – Residing in areas with lower population is a positive aspect when it comes to auto insurance. Fewer people translates into fewer accidents and lower theft and vandalism rates. Drivers who live in large cities regularly have much more traffic and longer commute times. More time behind the wheel means higher likelihood of an accident.
  • Small coverages can add up – There are a lot of add-on coverages that can add up if you aren’t diligent. Add-on coverages like rental car coverage, better glass coverage, and Farm Bureau memberships are some examples. They may seem good when deciding what coverages you need, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
  • The higher your credit score the lower your premiums – Having a bad credit history is likely to be a major factor in calculating your premium rate. If your credit score is low, you could save money insuring your 2014 Chevrolet Silverado 3500HD by repairing your credit. Insureds with very high credit ratings tend to file fewer claims and have better driving records than drivers with worse credit.

Everyone needs different insurance coverages

When it comes to choosing the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that These are some specific questions can help discover if your situation would benefit from an agent’s advice.

  • What is roadside assistance coverage?
  • Can I drive in Mexico and have coverage?
  • Am I covered when using my vehicle for business?
  • Can I afford low physical damage deductibles?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I need replacement cost coverage?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Specific coverage details

Having a good grasp of your car insurance policy can help you determine the right coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverages offered by car insurance companies.

Auto collision coverage

This coverage covers damage to your Silverado 3500HD caused by collision 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 coverage pays for things like damaging your car on a curb, driving through your garage door, rolling your car and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also bump up the deductible to bring the cost down.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as chiropractic care, funeral costs, X-ray expenses and pain medications. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Liability insurance

Liability coverage can cover damage that occurs to other people or property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like loss of income, funeral expenses, medical expenses, emergency aid and attorney fees. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Comprehensive protection

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like vandalism, damage from getting keyed, a broken windshield and fire damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Shop Smart and Save

Cost effective 2014 Chevy Silverado 3500HD insurance can be sourced online and also from your neighborhood agents, and you need to price shop both to have the best rate selection. A few companies may not offer internet price quotes and most of the time these small, regional companies only sell coverage through independent agents.

As you quote auto insurance, never skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice liability coverage limits only to regret they didn’t purchase enough coverage. Your aim should be to purchase plenty of coverage for the lowest cost, but do not skimp to save money.

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