2011 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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Are you overwhelmed by the sheer number of car insurance providers? Lot’s of other drivers are too. You have so many options that it is a burden to find the lowest price.

Consumers should take time to take a look at other company’s rates on a regular basis because prices change regularly. Just because you found the lowest rates on SilveradoHD insurance two years ago other companies may now be cheaper. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the things you must know in order to lower your rates without sacrificing coverage.

Take advantage of every car insurance discount

Some insurance providers do not advertise every discount they offer very clearly, so the list below contains a few of the more common and the more hidden savings tricks you should be using when you buy car insurance online.

  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% on SilveradoHD insurance depending on your company.
  • Distant Student – Any of your kids who attend college more than 100 miles from home and don’t have a car may qualify for this discount.
  • Seat Belt Usage – Requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
  • Telematics Data Discounts – Policyholders that allow their insurance company to study their driving habits remotely such as Progressive’s Snapshot might see lower rates as long as the data is positive.
  • Good Students Pay Less – Excelling in school can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Accident Forgiveness – Not a discount per se, but companies like State Farm and GEICO will let one accident slide without raising rates if you are claim-free for a certain period of time.
  • Early Signing – Some car insurance companies provide a discount for signing up before your current policy expires. You can save around 10% with this discount.
  • Pay Early and Save – If you can afford to pay the entire bill instead of paying each month you can actually save on your bill.

Keep in mind that most discounts do not apply to all coverage premiums. A few only apply to individual premiums such as physical damage coverage or medical payments. So even though you would think all the discounts add up to a free policy, nobody gets a free ride.

Companies and some of the premium reductions they offer are outlined below.

  • Esurance offers discounts including online shopper, good student, online quote, safety device, emergency road assistance, and anti-lock brakes.
  • The Hartford may offer discounts for anti-theft, good student, driver training, bundle, and vehicle fuel type.
  • AAA includes discounts for multi-policy, good student, education and occupation, anti-theft, and good driver.
  • GEICO offers premium reductions for membership and employees, good student, defensive driver, anti-lock brakes, and military active duty.
  • State Farm has discounts for anti-theft, safe vehicle, driver’s education, passive restraint, good student, and student away at school.

When getting a coverage quote, ask each insurance company which discounts you may be entitled to. Some of the discounts discussed earlier may not be offered in every state. If you would like to choose from a list of car insurance companies that can offer you the previously mentioned discounts, enter your zip code here.

How to buy insurance online

All the larger insurance companies like Allstate, GEICO and Progressive provide insurance quotes direct online. Doing online price comparisons is easy for anyone as all you need to do is type in the coverage amounts you desire as detailed in the form. Upon sending the form, the company’s rating system collects your driving record and credit report and returns a price determined by many factors.

Online price quotes helps simplify price comparisons, but the work required to visit a lot of sites and type in the same information can be a bit repetitive. But it’s necessary to compare as many rates as possible in order to get a better rate.

A quicker way to lower your insurance bill makes use of a single form to obtain quotes from several different companies. The form is fast, requires much less work on your part, and makes comparison shopping much more enjoyable and efficient. After your information is entered, it gets priced and you are able to buy any or none of the resulting price quotes. If you find a better price you can click and sign and buy the new coverage. This process takes 15 minutes at the most and you will know how your current rates stack up.

If you want to find out how much you can save on insurance, simply enter your zip code here and begin entering your coverage information. If you currently have coverage, we recommend you complete the form with your coverages just like they are on your policy. This ensures you will get a price comparison using the exact same coverages.

How to know if you need help

When buying the right insurance coverage, there really is no best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions may help highlight if your situation could use an agent’s help.

  • Am I covered when driving on a suspended license?
  • Is a fancy paint job covered?
  • When should I remove comp and collision on my 2011 Chevy Silverado 3500HD?
  • Does liability extend to a camper or trailer?
  • Are split liability limits better than a combined single limit?
  • Can my teen driver be rated on a liability-only vehicle?
  • What is high-risk coverage and where do I buy it?
  • How much can I save by bundling my policies?
  • Why am I required to get a high-risk car insurance policy?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete your zip code.

Insurance coverages 101

Understanding the coverages of your policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Chevy Silverado 3500HD.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, theft and hitting a bird. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for bills for things like doctor visits, ambulance fees, chiropractic care and EMT expenses. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for liability

Liability coverage can cover damages or injuries you inflict on other’s property or people that is your fault. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers things like attorney fees, loss of income, medical expenses and funeral expenses. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Collision protection

Collision insurance will pay to fix damage to your Silverado 3500HD from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as damaging your car on a curb, hitting a parking meter, sustaining damage from a pot hole, crashing into a building and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Smart shoppers get results

When trying to cut insurance costs, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. The goal is to get the best coverage possible at the best possible price.

In this article, we presented some good ideas how to get a better price on 2011 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. You may even discover the best price on insurance coverage is with a company that doesn’t do a lot of advertising.

Consumers who switch companies do it for any number of reasons including high rates after DUI convictions, extreme rates for teen drivers, unfair underwriting practices or even lack of trust in their agent. It doesn’t matter why you want to switch finding a great new company can be pretty painless.

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