2022 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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Searching for better insurance prices for your Chevy Silverado 3500HD can be difficult, but you can use the following methods to make it easier. There is a better way to shop for car insurance so we’re going to tell you the absolute fastest way to get price quotes on a Chevy and find the lowest possible price from local insurance agents and online providers.

Get affordable rates with these discounts

Not too many consumers would say car insurance is affordable, but there could be available discounts that can drop the cost substantially. Most are applied at the time of purchase, but once in a while a discount must be asked about prior to getting the savings.

  • Early Payment Discounts – If paying your policy premium upfront rather than spreading payments over time you can avoid the installment charge.
  • Senior Citizen Discount – If you’re over the age of 55, you may be able to get reduced rates for SilveradoHD insurance.
  • Claim-Free Discount – Claim-free drivers pay less in comparison with frequent claim filers.
  • Anti-lock Brakes – Cars and trucks with ABS and/or traction control can stop better under adverse conditions and the ABS can save up to 10%.
  • Defensive Driver Discount – Taking time to complete a safe driver course could save 5% or more and also improve your driving technique.
  • Telematics Discount – Drivers who elect to allow driving data submission to track their driving habits by installing a telematics device like Allstate’s Drivewise could possibly reduce rates as long as the data is positive.

Please keep in mind that most discounts do not apply to the entire policy premium. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like you could get a free car insurance policy, companies wouldn’t make money that way. But any discount will lower the amount you pay for coverage.

A list of companies and some of the discounts can be found below.

  • Progressive has discounts for continuous coverage, homeowner, multi-vehicle, multi-policy, online quote discount, and online signing.
  • MetLife may offer discounts for defensive driver, good student, accident-free, good driver, claim-free, and multi-policy.
  • Mercury Insurance offers discounts including multi-car, age of vehicle, location of vehicle, multi-policy, accident-free, professional/association, and low natural disaster claims.
  • Nationwide may include discounts for family plan, good student, Farm Bureau membership, business or organization, easy pay, anti-theft, and accident-free.
  • GEICO offers discounts for five-year accident-free, air bags, good student, driver training, seat belt use, and anti-lock brakes.
  • AAA policyholders can earn discounts including education and occupation, multi-policy, anti-theft, pay-in-full, and AAA membership discount.

When comparing rates, check with every company the best way to save money. Some discounts listed above might not apply in your area. If you would like to see a list of companies with the best discounts, enter your zip code here.

Low cost car insurance price quotes

Effectively comparing car insurance prices can be a lot of work if you aren’t aware of the most efficient way. You can spend countless hours driving to insurance agencies in your area, or you could save time and use online quoting to accomplish the same thing much quicker.

Many popular insurance companies belong to a marketplace that enables customers to enter their coverage request one time, and every company can provide price quotes. This prevents consumers from doing repetitive form submissions for each company. To access this free quoting program, enter your zip code here.

The one disadvantage to comparing rates this way is you can’t choose which insurance companies to get quotes from. If you would rather choose specific insurance companies to compare prices, we have a listing of the cheapest car insurance companies in your area. Click to enter zip code.

Compare rates however you want, just be sure you’re using apples-to-apples deductibles and coverage limits for each comparison quote. If you compare differing limits it’s impossible to make a fair comparison for your Chevy Silverado 3500HD.

How your Silverado 3500HD insurance rates are determined

It’s important that you understand the factors that help determine your policy premiums. When you know what positively or negatively determines base rates, this enables informed choices that could result in big savings. Many things are part of the equation when you quote your car insurance policy. Some of the criteria are obvious such as traffic violations, but other factors are more obscure such as your credit history or your financial responsibility.

  • Why do you need liability protection? – Liability insurance will afford coverage in the event that you are ruled to be at fault for physical damage or personal injury to other. It provides for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • High credit rating translates to low rates – Credit score is likely to be a major factor in determining premium rates. Insureds that have very good credit scores tend to be more responsible and file fewer claims than drivers with worse credit. If your credit rating can use some improvement, you could be paying less to insure your 2022 Chevrolet Silverado 3500HD if you improve your credit rating.
  • Gender and insurance coverage prices – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that females are better at driving than males. Females and males tend to get into fender benders in similar percentages, but men cause more damage. Men also statistically get cited for more serious violations like reckless driving and DUI. Young males generally have the highest accident percentage and therefore pay the highest rates.
  • Lower rates by increasing coverage deductibles – Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Chevy. Some coverage claims are collision with another vehicle, hitting a deer, and damage from a fallen tree branch. Your deductibles are how much you are required to spend out-of-pocket if a covered claim is submitted. The more of the claim you have to pay, the less your car insurance will be for SilveradoHD insurance.

Car insurance can be complex

When it comes to buying adequate coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions can help discover if your situation might need an agent’s assistance.

  • What exactly is covered by my policy?
  • Am I covered when driving someone else’s vehicle?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Should I get collision insurance on every vehicle?
  • How do I file an SR-22 for a DUI in my state?
  • Am I covered when driving a rental car?
  • Is my 2022 Chevy Silverado 3500HD covered for flood damage?
  • Will filing a claim cost me more?

If you can’t answer these questions, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete your zip code. It’s fast, free and may give you better protection.

Coverages available on your policy

Having a good grasp of a insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Collision insurance

Collision coverage will pay to fix damage to your Silverado 3500HD resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as backing into a parked car, rolling your car and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Liability car insurance

This can cover damage or injury you incur to a person or their property in an accident. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like structural damage, loss of income, repair costs for stationary objects and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for short-term medical expenses for rehabilitation expenses, doctor visits, pain medications and surgery. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Comprehensive auto coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hail damage, damage from flooding, vandalism, hitting a deer and damage from a tornado or hurricane. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Saving money makes a lot of cents

As you prepare to switch companies, it’s not a good idea to reduce needed coverages to save money. There are too many instances where consumers will sacrifice full coverage only to find out that it was a big error on their part. The proper strategy is to purchase plenty of coverage for the lowest cost and still be able to protect your assets.

You just read a lot of tips how to lower your 2022 Chevy Silverado 3500HD insurance premium rates. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding cheaper car insurance. You may even discover the lowest priced insurance coverage comes from an unexpected company.

There are still a few companies who don’t offer online rate quotes and most of the time these smaller companies prefer to sell through local independent agencies. Lower-priced insurance coverage is possible on the web in addition to local insurance agencies, and you need to price shop both so you have a total pricing picture.

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