Save on 2015 Chevrolet Silverado 3500HD Insurance Quotes in 2024

Want better insurance rates? Drivers have options when trying to find affordable Chevy Silverado 3500HD insurance. They can either waste time struggling with agents trying to get quotes or leverage the internet to get rate quotes.

There is a right way and a wrong way to buy insurance and you need to know the best way to get price quotes for a Chevy and get the best price possible.

Don’t overlook these car insurance discounts

Car insurance is not an enjoyable expense, but there’s a good chance there are discounts to help bring down the price. Many discounts should be triggered when you purchase, but a few must be requested specifically before being credited. If you do not double check each discount possible, you are throwing money away.

• Anti-theft System – Cars and trucks equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
• Early Payment Discounts – If you pay your bill all at once rather than paying in monthly installments you could save 5% or more.
• Claim Free – Claim-free drivers pay less when compared with drivers who are more careless.
• Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) off the personal injury premium cost.
• Distant Student – College-age children who are enrolled in higher education away from home without a vehicle on campus could qualify for this discount.
• Defensive Driving Course – Taking a driver safety course could possibly earn you a 5% discount and also improve your driving technique.
• Air Bags and Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts as much as 30%.
• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education as it will make them better drivers and lower rates.

As is typical with insurance, some credits don’t apply to the overall cost of the policy. Most only reduce specific coverage prices like medical payments or collision. If you do the math and it seems like it’s possible to get free car insurance, it doesn’t quite work that way. But all discounts will definitely lower your premiums.

A few popular companies and some of their more popular discounts can be found below.

• State Farm includes discounts for Steer Clear safe driver discount, multiple autos, Drive Safe & Save, defensive driving training, and accident-free.
• Farmers Insurance may include discounts for electronic funds transfer, homeowner, mature driver, switch companies, good student, and alternative fuel.
• GEICO offers premium reductions for defensive driver, five-year accident-free, military active duty, membership and employees, good student, emergency military deployment, and multi-policy.
• American Family discounts include air bags, good student, multi-vehicle, early bird, Steer into Savings, and bundled insurance.
• Nationwide may offer discounts for multi-policy, anti-theft, Farm Bureau membership, business or organization, and defensive driving.
• Progressive has discounts for continuous coverage, online signing, online quote discount, multi-vehicle, homeowner, good student, and multi-policy.

Before buying, ask all companies you are considering which discounts they offer. Depending on the company, some discounts may not be offered in your area. For a list of insurance companies with discount car insurance rates, enter your zip code here.

When to get professional advice

When it comes to buying coverage for your vehicles, there is no one size fits all plan. Every insured’s situation is different.

These are some specific questions might help in determining if your insurance needs would benefit from professional advice.

• Should I sign the liability waiver when renting a car?
• Are my friends covered when driving my 2015 Chevy Silverado 3500HD?
• Does coverage extend to my business vehicle?
• Do I need an umbrella policy?
• Why am I required to get a high-risk car insurance policy?
• Am I covered when driving a rental car?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete your zip code. It is quick, free and can help protect your family.

Specifics of your insurance policy

Learning about specific coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Medical expense insurance – Coverage for medical payments and/or PIP reimburse you for immediate expenses for chiropractic care, rehabilitation expenses, prosthetic devices, X-ray expenses and doctor visits. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision – This coverage will pay to fix damage to your Silverado 3500HD caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as rolling your car, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Liability auto insurance – This can cover damage or injury you incur to other people or property that is your fault. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things like court costs, emergency aid, funeral expenses, attorney fees and medical expenses. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these coverages are set the same as your liability limits.

Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, hitting a deer and fire damage. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Stretch your dollar

Lower-priced insurance can be bought both online and with local insurance agents, so you need to shop insurance coverage with both to have the best rate selection. Some insurance companies do not offer the ability to get a quote online and many times these regional carriers only sell through independent insurance agencies.

You just read a lot of techniques to save on 2015 Chevy Silverado 3500HD insurance. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from an unexpected company.

As you go through the steps to switch your coverage, make sure you don’t reduce coverage to reduce premium. Too many times, an insured cut collision coverage only to regret at claim time they didn’t purchase enough coverage. Your strategy should be to buy a smart amount of coverage at the best cost.