2017 Chevrolet Silverado 3500HD Insurance Quotes 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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Wish you could get out of an expensive car insurance policy? Believe me when I say you are not the only one feeling buyer’s remorse.

Multiple auto insurance companies compete for your business, and it can be difficult to compare rates and uncover the absolute best rate

Do you qualify for discount insurance coverage?

The cost of insuring your cars can be expensive, but you may be missing some discounts that you may not even be aware of. Certain reductions will be credited at the time of purchase, but a few must be asked for prior to receiving the credit. If you check and find you aren’t receiving every discount you deserve, you are not getting the best rate possible.

  • Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of 25 to 30%.
  • Government Employees – Employees or retirees of the government may reduce rates when you quote insurance coverage for SilveradoHD coverage with certain companies.
  • Organization Discounts – Having an affiliation with qualifying employment or professional organizations can get you a small discount on your bill.
  • Homeowners Savings – Owning a home can earn you a little savings because of the fact that having a home means you have a higher level of financial diligence.
  • Theft Deterrent – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • New Car Discount – Buying coverage on a new vehicle may earn a small discount because newer vehicles have to meet stringent safety requirements.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to use their safety belts can save a little on the medical payments or PIP coverage costs.
  • Safe Drivers – Accident-free drivers may receive a discount up to 45% for SilveradoHD coverage than their less cautious counterparts.
  • Life Insurance – Some insurance companies give a discount if you purchase a life insurance policy as well.
  • Accident Free – Good drivers with no accidents are rewarded with significantly better rates on insurance coverage quote in comparison to frequent claim filers.

Just know that some credits don’t apply to the overall cost of the policy. Some only reduce individual premiums such as comprehensive or collision. If you do the math and it seems like you could get a free insurance coverage policy, insurance coverage companies aren’t that generous.

Some of the larger companies that may offer many of the previously listed discounts are:

  • Progressive
  • American Family
  • MetLife
  • The Hartford

When quoting, ask each company or agent the best way to save money. Some discounts may not apply to policies in your area. To see insurers that offer some of these discounts, enter your zip code here.

How do car insurance companies determine Chevy Silverado 3500HD insurance costs?

Many things are part of the equation when premium rates are determined. Some are pretty understandable like an MVR report, but other factors are less apparent such as your credit history or how safe your car is.

  • Save money by having multiple policies – Some insurance companies provide better rates to clients that have more than one policy. It’s known as a multi-policy discount. Discounts can be ten or even fifteen percent. Even if you qualify for this discount already, it’s still a good idea to comparison shop to guarantee you are still saving the most. You may still be able to save even more even if you have your coverage with different companies.
  • Your age impacts your costs – Young drivers are statistically shown to get distracted easily when at the wheel of a vehicle so they pay higher insurance rates. Older people have been proven to be more responsible, tend to file fewer claims .
  • Marriage can lower prices – Having a spouse may earn you lower rates on insurance. Marriage generally demonstrates drivers are more financially stable and statistics show married drivers tend to have fewer serious accidents.
  • Low coverage deductibles cost more – Comprehensive and collision coverage deductibles state the amount of money the insured will be required to pay if a claim is determined to be covered. Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some examples of claims that would be covered are collision with another vehicle, vandalism, or theft of your vehicle. The more money you pay before a claim is paid (deductible), the less your company will charge you for insurance for SilveradoHD coverage.
  • Small claims can cost you – If you are a frequent claim filer, you should expect much higher rates or policy non-renewal. Auto insurance companies provide better rates to insureds who only file infrequent claims. Your car insurance is intended for claims that you cannot pay yourself.
  • Defend yourself with liability – A critical coverage on your policy, liability insurance will protect you if you are found to be at fault for an accident. Your liability coverage provides for a legal defense up to the limits shown on your policy. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • GPS tracking and theft deterrents reduce prices – Owning a car with advanced anti-theft systems can earn a premium discount. Advanced theft deterrents like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop auto theft.
  • Where you reside is a factor – Residing in less populated areas has it’s advantages if you are looking for the lowest rates. Lower population translates into fewer accidents and a lower car theft rate. Urban drivers tend to have more road rage incidents and a longer drive to work. More time behind the wheel statistically corresponds to a higher accident and claim rate.

What insurance coverages do I need?

When it comes to buying proper insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions might point out if you might need professional guidance.

  • Does insurance cover tools stolen from my truck?
  • Do I have any recourse if my insurance company denies a claim?
  • Will my insurance pay for OEM parts?
  • How do I file an SR-22 for a DUI in my state?
  • Are rock chip repairs covered?
  • Does my car insurance cover rental cars?
  • Where can I find DUI or SR-22 insurance?
  • Do I need Motor Club coverage?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and enter your zip code.

Car insurance 101

Knowing the specifics of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average insurance policy.

Auto liability – This will cover damages or injuries you inflict on people or other property. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. 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 property damage coverage for $100,000.

Liability can pay for claims like repair bills for other people’s vehicles, structural damage, attorney fees and bail bonds. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Chevy Silverado 3500HD.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision – This coverage covers damage to your Silverado 3500HD from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like backing into a parked car, crashing into a building, driving through your garage door and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like doctor visits, funeral costs and X-ray expenses. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, a broken windshield, rock chips in glass, fire damage and hitting a bird. The maximum amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Quote often and quote early

As you prepare to switch companies, it’s not a good idea to skimp on coverage in order to save money. There are many occasions where an accident victim reduced full coverage only to discover later they didn’t have enough coverage. Your focus should be to buy a smart amount of coverage at a price you can afford while still protecting your assets.

Discount 2017 Chevy Silverado 3500HD insurance can be sourced both online and with local insurance agents, so you should compare both in order to have the best chance of saving money. A few companies may not have the ability to get a quote online and these regional carriers only sell coverage through independent insurance agents.

We covered a lot of information how to get a better price on 2017 Chevy Silverado 3500HD insurance. It’s most important to understand that the more times you quote, the better chance you’ll have of finding low cost insurance coverage. You may even discover the most savings is with some of the smallest insurance companies. They may cover specific market segments cheaper as compared to the big name companies such as Allstate and Progressive.

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