Lower Your 2018 Chevrolet Silverado 3500HD Insurance Rates 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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Looking for better insurance coverage rates for your Chevrolet Silverado 3500HD? Shopping for lower priced insurance coverage may seem to be impossible for consumers that are not comfortable with quoting and comparing rates and buying insurance coverage on the web. With so many insurance agents and companies, how can you efficiently compare every possible option in order to find the best pricing?

It’s important to do price comparisons occasionally because rates trend upward over time. Even if you got the lowest rate on SilveradoHD coverage two years ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance coverage because you’re going to learn the tricks you need to know to save on insurance coverage.

If you have car insurance now, you will most likely be able to lower your premiums substantially using these techniques. This article will familiarize you with how to effectively get price quotes and some money-saving tips. But consumers do need to understand how insurance companies market on the web because it can help you find the best coverage.

Cheap insurance

Most major insurance companies allow consumers to get insurance quotes on their websites. Doing online price comparisons is fairly straightforward as all you need to do is type in the coverages you want as detailed in the form. Once entered, the company’s rating system automatically orders information on your driving record and credit history and generates a price based on many factors.

Being able to quote online streamlines rate comparisons, but the work required to visit several different sites and complete many quote forms is monotonous and tiresome. Unfortunately, it is important to get many rate quotes if you are searching for the lowest price.

An easier way to find cheaper rates utilizes a single form to obtain quotes from a lot of companies. The form is fast, reduces the work, and makes online price comparison much easier. After your information is entered, it gets priced and you can select any or none of the resulting price quotes. If you find a better price you simply finish the application and buy the policy. The entire process can be completed in less than 10 minutes and could lower your rates considerably.

To quickly compare pricing, simply enter your zip code here and enter your vehicle and coverage information. If you have coverage now, it’s recommended you input deductibles and limits as close as possible to your current policy. Using the same limits helps guarantee you will get a price comparison for similar coverage.

Insurance coverage advertisements

Big name companies like State Farm and Allstate continually stream ads on television and other media. All the ads try to convey promises about saving some big amount just by moving to them. How is it plausible that every one can charge you less for car insurance? This is the way they can do it.

Insurance companies provide the lowest rates for the type of customer they prefer to insure. For example, a driver they prefer might be described as between 25 and 40, has never had a claim, and drives less than 7,500 miles a year. A driver that matches those criteria will get a cheap rate quote and will probably save quite a bit of money when switching.

Insureds who don’t measure up to these stringent criteria will be charged a higher premium and this can result in business going elsewhere. The wording the ads use say “customers that switch” not “everybody who quotes” save money. This is how insurance companies can advertise the way they do. Because of this risk profiling, you should compare price quotes frequently. It’s impossible to know which insurance coverage company will provide the lowest rates.

Four tips to get cheap insurance prices

Many different elements are used when pricing auto insurance. Some of the criteria are obvious like an MVR report, although others are not quite as obvious such as your credit history or your commute time.

The factors shown below are most of the major factors utilized by car insurance companies to help set your rate level.

  • Improve your credit score and save – A driver’s credit rating can be an important factor in calculating your auto insurance rates. Drivers who have high credit ratings tend to file fewer claims as compared to drivers with worse credit. If your credit history is low, you may save money insuring your 2018 Chevrolet Silverado 3500HD by improving your credit score.
  • Women pay lower prices – The statistics show females are less aggressive when driving. However, don’t assume that females are better at driving than males. Men and women are responsible for auto accidents at about the same rate, but the males get into accidents with more damage. Not only are claims higher, but men get more serious tickets like reckless driving and DUI. Male teenagers cause the most accidents and therefore pay the highest rates.
  • Where you live – Living in small towns and rural areas is a good thing when it comes to auto insurance. Fewer drivers and short commutes means reduced accidents as well as less vandalism and auto theft. People who live in big cities have to deal with more aggressive driving styles and much longer commute distances. The longer drive time means higher likelihood of an accident.
  • How old are your drivers? – More experienced drivers are more cautious drivers, statistically cause fewer accidents and get fewer tickets. Young drivers have been known to be careless and easily distracted in a vehicle therefore auto insurance rates are much higher.

These discounts can lower your auto insurance quotes

Some companies do not advertise every policy discount very clearly, so the list below gives a summary of a few of the more common as well as some of the hidden auto insurance savings.

  • Anti-lock Brakes – Cars equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
  • Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Driver’s Ed – Cut your cost by having your teen driver participate in a local driver’s education class if it’s offered in school.
  • Student in College – who are attending college and won’t have access to an insured vehicle may qualify for this discount.
  • Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a discounted price on car insurance if you buy some life insurance too.
  • Telematics Discount – Insureds that choose to allow data collection to analyze driving manner by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot may see discounts if they have good driving habits.
  • Theft Deterrent System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will qualify for a discount on a car insurance quote.
  • Discounts for Government Workers – Being employed by or retired from a federal job may reduce rates when you quote car insurance on SilveradoHD coverage depending on your company.
  • Seat Belts Save more than Lives – Drivers who require all occupants to fasten their seat belts can save a little off PIP or medical payments premium.

Policy discounts save money, but most discount credits are not given to the entire policy premium. Most cut the cost of specific coverages such as liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, companies don’t profit that way.

If you would like to see a list of insurers that offer many of these discounts, enter your zip code here.

Different people need different insurance coverage coverages

When choosing coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out if your situation may require specific advice.

  • How much liability insurance is required?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Should I have combined single limit or split liability limits?
  • How can I get high-risk coverage after a DUI?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I pay less if my vehicle is kept in my garage?
  • How much liability do I need to cover my assets?
  • Am I covered when delivering products for my home-based business?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out your zip code.

The coverage is in the details

Having a good grasp of a car insurance policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive coverages – This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like theft, fire damage and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision – Collision coverage covers damage to your Silverado 3500HD caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a building, scraping a guard rail, damaging your car on a curb, hitting a parking meter and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for bills for things like X-ray expenses, rehabilitation expenses and prosthetic devices. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Uninsured and underinsured coverage – Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your Chevy Silverado 3500HD.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for liability – This provides protection from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which means $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 coverage protects against things like loss of income, pain and suffering, emergency aid, bail bonds and medical services. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Saving money makes a lot of cents

Insureds change insurance companies for any number of reasons including being labeled a high risk driver, policy cancellation, an unsatisfactory settlement offer or poor customer service. It doesn’t matter what your reason, finding a great new company is not as difficult as it may seem.

You just read some good ideas how to save on 2018 Chevy Silverado 3500HD insurance. The key concept to understand is the more rate quotes you have, the better likelihood of getting low cost car insurance. Drivers may discover the lowest priced insurance coverage comes from the least-expected company.

Lower-priced 2018 Chevy Silverado 3500HD insurance can be purchased online in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. A few companies may not offer price quotes online and usually these regional carriers only sell through independent agents.

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