How Much Does 2012 Chevrolet Silverado 2500HD Car Insurance Cost 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: May 14, 2024

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Looking for the cheapest insurance rates for your Chevrolet Silverado 2500HD? Tired of scraping nickels together to keep your car insured? You have the same problem as millions of other drivers. With drivers having so many insurance companies to choose from, it’s nearly impossible to pick the most cost effective insurance company.

Get affordable auto insurance with discounts

Some insurance providers do not advertise every discount available in a way that’s easy to find, so the next list breaks down some of the best known and also the lesser-known credits that may apply to you.

  • Onboard Data Collection – Drivers who elect to allow their auto insurance company to spy on driving habits by using a telematic data system like Allstate’s Drivewise could see a rate decrease as long as the data is positive.
  • Active Military Service – Having an actively deployed family member could trigger a small discount.
  • E-sign Discounts – A handful of auto insurance companies will discount your bill up to fifty bucks for signing up online.
  • Federal Government Employee – Active or former government employment can earn a discount up to 10% for SilveradoHD insurance with certain companies.
  • No Charge for an Accident – Not a discount per se, but a handful of insurance companies will forgive one accident without the usual rate increase if you have no claims for a certain period of time.
  • Senior Citizen Rates – Drivers that qualify as senior citizens may receive reduced rates for SilveradoHD insurance.
  • College Student Discount – Kids who are attending college and don’t have a car may qualify for this discount.

Don’t be shocked that some credits don’t apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like you can get free auto insurance, that’s just not realistic.

Some of the larger companies that may offer some of the discounts shown above include:

  • State Farm
  • GEICO
  • Progressive
  • 21st Century
  • American Family
  • The Hartford
  • AAA

Double check with every prospective company which discounts you qualify for. Discounts might not apply in every state. To choose providers offering auto insurance discounts, enter your zip code here.

Quote insurance online

There are a lot of ways to shop for insurance, but some are more efficient than others. You could waste time driving to agents in your area, or you could save time and use the internet for quick rates.

Many insurance companies participate in an industry program where insurance shoppers only type in their quote data once, and at least one company can provide price quotes for coverage. This eliminates the need for quote requests for each company you want a rate for.

To enter your information into the quoting system, enter your zip code here.

The only drawback to comparing rates this way is that consumers can’t choose which carriers you want to price. If you wish to select specific insurance companies for rate comparison, we have assembled a list of low cost insurance companies in your area. Click to enter zip code.

You can use whichever method you prefer to find lower rates, just ensure you are comparing the exact same coverage data for every company. If each company quotes different liability limits it will be very difficult to make a fair rate comparison.

The Chevy Silverado 2500HD insurance premium equation

Many factors are taken into consideration when quoting car insurance. A few of the factors are predictable like your driving record, although some other factors are more transparent like where you live or your financial responsibility.

The following are some of the most rate-impacting factors utilized by car insurance companies to help set your rates.

  • Car insurance rates and age – Inexperienced drivers tend to be inattentive when driving with friends and because of this, their car insurance rates are much higher. Mature drivers are more responsible, statistically cause fewer accidents and receive fewer citations.
  • The higher your credit rating the lower your prices – Having a bad credit score is a big factor in determining what you pay for car insurance. Therefore, if your credit score could use some work, you could save money insuring your 2012 Chevrolet Silverado 2500HD by improving your credit score. People that have high credit scores tend to be more responsible as compared to drivers with lower credit scores.
  • Job stress can make you pay more – Jobs such as judges, social workers and emergency personnel have higher average rates in part from stressful work requirements and incredibly demanding work hours. Conversely, careers such as farmers, engineers and the unemployed have lower than average premiums for SilveradoHD insurance.
  • Liability preserves assets – A critical coverage on your policy, liability insurance kicks in if a court rules you are at fault for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.
  • No insurance claims equals cheaper car insurance rates – If you tend to file frequent claims, don’t be surprised to see higher premiums or even policy non-renewal. Car insurance companies give the lowest premiums to insureds who do not rely on their insurance for small claims. Your car insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Do you save by driving less? – Driving a lot of miles in a year the more you’ll pay to insure it. A lot of insurance companies calculate rates determined by how the vehicle is used. Vehicles used primarily for pleasure use get more affordable rates than those that get driven frequently. It’s a smart idea to ensure your vehicle rating properly reflects how each vehicle is driven, because it can save money. Having an incorrect usage rating on your Silverado 2500HD is just wasting money.
  • Additional coverages that may be costing you – Policies have extra coverages you can purchase on your car insurance policy. Things like roadside assistance, high-cost glass coverage, and membership fees may not be needed and are just wasting money. They may seem good when discussing your needs, but if you don’t need them get rid of them and save.

Tailor your auto insurance coverage to you

When buying proper insurance coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different and your policy should reflect that. For instance, these questions might help in determining if your situation will benefit from professional help.

  • Am I covered when driving a rental car?
  • Is my nanny covered when driving my vehicle?
  • When does my teenage driver need to be added to my policy?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my state a no-fault state?
  • Should I rate my 2012 Chevy Silverado 2500HD as pleasure use or commute?
  • Can I rent a car in Mexico?
  • Do I benefit by insuring my home with the same company?
  • What companies insure drivers after a DUI or DWI?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete your zip code. It’s fast, free and can help protect your family.

Coverage specifics

Understanding the coverages of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages available from insurance companies.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like rehabilitation expenses, funeral costs and X-ray expenses. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Liability

This coverage can cover damage that occurs to people or other property in an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things like medical expenses, funeral expenses and legal defense fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage

Collision coverage will pay to fix damage to your Silverado 2500HD resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with another moving vehicle, rolling your car, sideswiping another vehicle, driving through your garage door and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.

Comprehensive coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, damage from a tornado or hurricane and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Make an honest buck

In this article, we presented some good ideas how you can lower your 2012 Chevy Silverado 2500HD insurance premium rates. The key concept to understand is the more rate quotes you have, the better your chances of lowering your prices. Consumers may even find the biggest savings come from a smaller regional carrier. Some small companies often have lower prices on specific markets as compared to the big name companies such as Allstate or State Farm.

Some companies don’t offer the ability to get quotes online small, regional companies work with independent agencies. Cheap 2012 Chevy Silverado 2500HD insurance is available from both online companies as well as from independent agents, so you should compare both in order to have the best price selection to choose from.

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