2018 Chevrolet Silverado 2500HD Car Insurance Quotes – 10 Tips to Save

Drivers have options when trying to find the lowest priced Chevy Silverado 2500HD insurance. They can either spend hours driving around to compare prices or leverage the internet to get rate quotes. There are more efficient ways to shop for car insurance and you need to know the absolute fastest way to quote coverages for a Chevy and get the lowest price from both online companies and local agents.

Ten discounts to earn lower-cost insurance rates

Insurance is not cheap nor is it fun to buy but there could be significant discounts to help offset the cost. Some discounts apply automatically at the time of quoting, but a few need to be inquired about before you get the savings.

  • Smart Student Discounts – Maintaining excellent grades can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Air Bag Discount – Vehicles equipped with air bags may get savings of 20 to 30 percent.
  • Anti-lock Brakes – Cars, trucks, and SUVs equipped with ABS or steering control have fewer accidents and earn discounts up to 10%.
  • Pay Upfront and Save – By making one initial payment instead of paying each month you can avoid the installment charge.
  • Waiver for an Accident – Not a discount per se, but companies like Allstate and State Farm may permit one accident before hitting you with a surcharge as long as you don’t have any claims prior to being involved in the accident.
  • Own a Home and Save – Just owning your own home can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Online Discount – Some insurance companies will give you a small discount simply for signing on your computer.
  • Driving Data Discount – Drivers that enable their insurance company to scrutinize driving habits by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction as long as they are good drivers.
  • Save over 55 – Seniors could receive lower premium rates on SilveradoHD insurance.
  • Active Military Service – Being deployed with a military unit could trigger a small discount.

Don’t be surprised that some of the credits will not apply to the entire policy premium. Most only cut the cost of specific coverages such as comp or med pay. Despite the fact that it seems like having all the discounts means you get insurance for free, it just doesn’t work that way. Any amount of discount will definitely reduce the amount you pay for coverage.

Popular insurance companies and a partial list of their discounts can be read below.

  • Geico offers premium reductions for anti-lock brakes, emergency military deployment, daytime running lights, seat belt use, membership and employees, military active duty, and multi-vehicle.
  • MetLife includes discounts for claim-free, good student, multi-policy, defensive driver, accident-free, and good driver.
  • State Farm has discounts for good driver, multiple autos, driver’s education, Drive Safe & Save, good student, anti-theft, and Steer Clear safe driver discount.
  • Progressive policyholders can earn discounts including online quote discount, continuous coverage, good student, homeowner, multi-policy, and online signing.
  • Mercury Insurance may include discounts for multi-policy, low natural disaster claims, accident-free, multi-car, good student, and good driver.
  • 21st Century offers discounts including 55 and older, homeowners, good student, student driver, teen driver, anti-lock brakes, and driver training.
  • Allstate discounts include early signing, resident student, multi-policy, premier discount, defensive driver, and eSmart discount.

When getting a coverage quote, ask all companies you are considering to apply every possible discount. Discounts may not be offered everywhere. For a list of insurance companies who offer online insurance quotes, click here.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that may help highlight if your insurance needs might need an agent’s assistance.

  • How can I get high-risk coverage after a DUI?
  • What should my uninsured motorist coverage limits be in my state?
  • Can I rent a car in Mexico?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • I don’t drive much so do I pay less?
  • What is the rate difference between pleasure use and commuting?
  • Am I getting all the discounts available?

If you’re not sure about those questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Specific coverage details

Knowing the specifics of a car insurance policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Liability coverage

Liability insurance provides protection from damage or injury you incur to other’s property or people. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims like repair costs for stationary objects, court costs and bail bonds. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for bills for funeral costs, hospital visits and nursing services. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Coverage for collisions

This coverage pays for damage to your Silverado 2500HD resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like colliding with a tree, sustaining damage from a pot hole and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive car insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, damage from flooding, hitting a bird, vandalism and a tree branch falling on your vehicle. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your 2018 Chevy Silverado 2500HD.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

In the end, you save

As you quote insurance, it’s not a good idea to buy poor coverage just to save money. In many cases, an insured dropped comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy enough coverage for the lowest price and still be able to protect your assets.

Drivers leave their current company for many reasons like not issuing a premium refund, being labeled a high risk driver, high prices and delays in paying claims. It doesn’t matter what your reason, finding the right auto insurance provider can be pretty painless.

You just learned many tips how you can get a better price on 2018 Chevy Silverado 2500HD insurance. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. Drivers may discover the most savings is with a small local company.

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