Save on 2017 Chevrolet Silverado 2500HD 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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Trying to find better auto insurance rates for your Chevrolet Silverado 2500HD? Locating affordable auto insurance over the internet might seem overwhelming for people new to quoting and comparing rates online. With dozens of online companies available, how can drivers even start to compare every one to find lower auto insurance premiums?

It’s a great practice to do price comparisons at least once a year due to the fact that insurance prices fluctuate regularly. Despite the fact that you may have had the best quotes for SilveradoHD insurance last year you can probably find a better rate now. There is too much inaccurate information about auto insurance on the web, but in this article, you’re going to get some tested techniques to lower your auto insurance premiums.

Finding affordable coverage is easy if you know what you’re doing. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these techniques. Although vehicle owners must know the methods companies use to price insurance differently because it can help you find the best coverage.

The best way to get rate comparisons is to take advantage of the fact most larger insurance companies actually pay money for the chance to quote your coverage. All consumers are required to do is provide a little information like distance driven, if the vehicle is leased, how you use your vehicles, and if it has an alarm system. The rating information is then submitted to multiple insurance providers and they return cost estimate instantly.

Choices you make can impact your insurance costs

Lots of things are used in the calculation when you get a price on insurance. Some are obvious like your driving record, although others are less apparent like where you live or your vehicle rating. It’s important that you understand a few of the rating criteria that help calculate the level of your policy premiums. If you have a feel for what influences your rates, this empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

The list below includes some of the things used by insurance companies to determine your rates.

  • Auto insurance policy lapses increase rates – Not maintaining insurance can get you a ticket and you may have a hard time finding new coverage because you let your coverage cancel without a new policy in place. Not only will you pay more, not being able to provide proof of insurance could earn you a revoked license or a big fine.
  • Only buy extra policy coverages you need – Policies have extra add-on coverages that can add up if you don’t pay attention. Coverage for things like personal injury protection, towing, and membership fees are probably not needed. They may sound like good ideas when buying your policy, but if you’ve never needed them in the past think about removing them and cutting costs.
  • Liability coverage preserves assets – Your auto insurance policy’s liability coverage kicks in if you are found liable for causing damage or personal injury in an accident. Liability provides for a legal defense which can cost a lot. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should carry high limits.
  • Cars with good safety ratings cost less to insure – Cars with five star safety ratings get lower rates. Safer cars help reduce the chance of injuries in an accident and lower rates of occupant injuries means lower claim amounts which can result in lower premiums.
  • Filing insurance claims can cost more – Auto insurance companies award the best rates to insureds who are claim-free. If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for larger claims.
  • Tickets can be expensive – Even a single citation can increase the cost of insurance forty percent or more. Drivers who don’t get tickets have lower premiums than bad drivers. Drivers unfortunate enough to have careless tickets such as reckless driving or DUI may find that they have to to maintain a SR-22 with their state’s licensing department in order to legally drive.
  • Bump up comp and collision deductibles to lower rates – Protection for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. Some coverage claims are running into the backend of another car, damage from fire, and burglary. Deductibles for physical damage are how much you are required to spend if a claim is determined to be covered. The more expense you choose to pay out-of-pocket, the lower your rates will be for SilveradoHD insurance.
  • Premiums are high for teenagers – Young drivers are statistically proven to be inattentive when driving with friends therefore auto insurance rates are much higher. Having to add a youthful driver to your auto insurance policy can be quite pricey. Older people tend to be more responsible, tend to file fewer claims , and usually have better credit.

Verify you’re getting every discount

Some providers don’t always publicize every discount available very well, so we break down a few of the more well known and also the lesser-known credits that you can use to lower your rates.

  • Telematics Discount – Policyholders that allow companies to monitor driving manner by using a small device installed in their vehicle such as Progressive’s Snapshot could see a rate decrease as long as they are good drivers.
  • Multiple Vehicles – Buying insurance for all your vehicles with the same company can get a discount on all vehicles.
  • Accident-Free Discounts – Insureds who avoid accidents and claims pay less when compared with drivers with a long claim history.
  • Active Service Discounts – Having a family member in the military could trigger a small discount.
  • Low Mileage Discounts – Maintaining low annual mileage could qualify for substantially lower prices.
  • College Student – Older children who live away from home to go to college and do not have access to a covered vehicle could qualify for this discount.
  • Payment Method – By paying your entire bill at once instead of paying each month you may reduce your total bill.
  • Drivers Ed for Students – Teen drivers should successfully take a drivers education course if offered at their school.

Discounts lower rates, but many deductions do not apply to the overall cost of the policy. Some only reduce specific coverage prices like medical payments or collision. Despite the fact that it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy. Any qualifying discounts should definitely cut the cost of coverage.

Car insurance companies that have these discounts are:

  • State Farm
  • GEICO
  • SAFECO
  • Farmers Insurance
  • AAA
  • USAA

When comparing rates, check with every prospective company which credits you are entitled to. Some discounts might not be offered in your area.

When should I discuss my situation with an agent?

When buying coverage, there is no “best” method to buy coverage. Each situation is unique.

For instance, these questions might help in determining if your insurance needs may require specific advice.

  • Can I still get insurance after a DUI?
  • Am I covered when delivering products for my home-based business?
  • What is high-risk coverage and where do I buy it?
  • Should I sign the liability waiver when renting a car?
  • Does my insurance cover a custom paint job?
  • Am I covered if hit by an uninsured driver?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete your zip code.

Information about specific coverages

Understanding the coverages of auto insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Comprehensive insurance – This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, hitting a deer, damage from getting keyed and damage from flooding. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for dental work, doctor visits, hospital visits, X-ray expenses and rehabilitation expenses. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision coverage – Collision insurance pays for damage to your Silverado 2500HD resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as crashing into a ditch, scraping a guard rail, sustaining damage from a pot hole and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability insurance – Liability insurance will cover injuries or damage you cause to a person or their property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.

Liability insurance covers things such as repair costs for stationary objects, pain and suffering, medical services, loss of income and court costs. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants 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. For this reason, having high UM/UIM coverages is a good idea.

A penny saved is a penny earned

As you restructure your insurance plan, you should never buy less coverage just to save a little money. In many cases, someone dropped physical damage coverage and learned later they didn’t have enough coverage. Your goal is to get the best coverage possible at the best possible price and still be able to protect your assets.

In this article, we covered a lot of tips how to get a better price on 2017 Chevy Silverado 2500HD insurance. It’s most important to understand that the more times you quote, the higher the chance of saving money. Consumers may even find the best price on car insurance is with some of the smallest insurance companies.

Budget-friendly car insurance is possible on the web and with local insurance agents, so you need to shop car insurance with both so you have a total pricing picture. There are still a few companies who may not have online rate quotes and these small, regional companies provide coverage only through independent insurance agents.

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