Lower Your 2010 Chevrolet Silverado 3500HD Car 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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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Wish you could get out of high-priced insurance? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out. Insurance companies such as GEICO, Farmers Insurance and State Farm all claim big savings with TV and radio ads and it is difficult to avoid their marketing magic and take the time to shop coverage around.

You should make it a habit to shop coverage around periodically since insurance prices are usually higher with each renewal. Just because you had the best price for SilveradoHD insurance a couple years back there may be better deals available now. Block out anything you think you know about insurance because you’re about to learn one of the easiest ways to reduce your cost while increasing coverage.

How to compare free insurance coverage rate quotes

The majority of larger companies like State Farm and Allstate provide coverage prices online. Comparing rates online is pretty easy as you just type in your coverage information into a form. When complete, the system automatically retrieves information on your driving record and credit history and quotes a price based on these factors. This makes comparing rates easy, but the time it takes to visit each company’s website and repetitively type in the same information can be a bit repetitive. But it’s very important to get many rate quotes if you want to find the best price on insurance coverage.

The easiest way to find better insurance coverage pricing is to use a quote form to get prices from several companies at one time. It’s a real time-saver, eliminates form submissions, and makes online shopping a little more enjoyable. Immediately after submitting the form, it is quoted and you can choose any of the quotes that you receive. If a lower price is quoted, you can click and sign and buy the policy. It just takes a couple of minutes and you will know how your current rates stack up.

To save time and compare rates now, simply enter your zip code here and submit the form. If you have your current policy handy, we recommend you complete the form with the coverage information just like they are on your policy. This ensures you will receive a fair comparison based on the exact same insurance coverage.

You may need specialized insurance coverage

When buying coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions may help highlight whether your personal situation might need an agent’s assistance.

  • What is no-fault insurance?
  • Am I covered when driving on a suspended license?
  • Do I need higher collision deductibles?
  • Am I covered when driving someone else’s vehicle?
  • What is the rate difference between pleasure use and commuting?
  • Is my nanny covered when driving my vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I pay less for low miles?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete your zip code. It is quick, free and you can get the answers you need.

Car insurance coverages and their meanings

Learning about specific coverages of your car insurance policy aids in choosing the right coverages for your vehicles. Car insurance terms can be ambiguous and coverage can change by endorsement. Listed below are the usual coverages found on most car insurance policies.

Collision – Collision insurance pays for 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 insurance covers claims such as sustaining damage from a pot hole, rolling your car and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for immediate expenses such as surgery, ambulance fees, funeral costs, chiropractic care and EMT expenses. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage – This coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Liability coverages – This coverage will cover damages or injuries you inflict on a person or their property. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property.

Liability coverage pays for things such as medical services, emergency aid and bail bonds. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive coverages – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as fire damage, damage from getting keyed and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

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