How Much Does 2013 Chevrolet Silverado 3500HD Insurance Cost?

Buyers have lots of choices when searching for the lowest priced Chevy Silverado 3500HD insurance. They can either spend hours contacting agents trying to get quotes or save time using the internet to get rate quotes. There is a right way and a wrong way to compare auto insurance rates so we’re going to tell you the quickest way to quote coverages for a Chevy and locate the lowest price.

Discounts for affordable insurance coverage rates

Insurance can be prohibitively expensive, but you may qualify for discounts that may help make it more affordable. Some trigger automatically when you get a quote, but less common discounts must be asked for before being credited. If you do not check that you are getting every discount possible, you may be paying too high a price.

  • Passive Restraints – Cars that have air bags or automatic seat belts may qualify for discounts of 25 to 30%.
  • Anti-theft Discount – Vehicles that have factory anti-theft systems are stolen less frequently so companies will give you a small discount.
  • Discounts for Seat Belt Usage – Requiring all passengers to buckle up before driving could cut 10% or more off the PIP or medical payment premium.
  • New Vehicle Savings – Buying a new car model may earn a small discount since new model year vehicles are generally safer.
  • More Vehicles More Savings – Having primary and secondary vehicles on a single policy may reduce the rate for each vehicle.
  • Drive Safe and Save – Accident-free drivers can save as much as half off their rates for SilveradoHD coverage compared to accident prone drivers.
  • E-sign – Some of the larger companies will give a small break for buying your policy on their website.
  • No Charge for an Accident – This one is not really a discount per se, but a handful of insurance companies may permit one accident before they charge you more for coverage if you are claim-free for a specific time period.
  • Braking Control Discount – Cars with ABS braking systems or traction control can stop better under adverse conditions and will save you 10% or more.

A quick disclaimer, some credits don’t apply to the overall cost of the policy. Most only apply to specific coverage prices like liability, collision or medical payments. Even though the math looks like it’s possible to get free car insurance, you’re out of luck.

Insurance companies who might offer most of these discounts include:

If you need lower rates, check with all the companies what discounts are available to you. Some discounts listed above might not be offered on policies in your area. To view providers that provide some of the discounts listed above, click this link.

How much is car insurance?

There are a lot of ways to compare car insurance prices but there is one way that is less time-consuming than others. You can spend countless hours talking to insurance agencies in your area, or you could save time and use online quotes to quickly compare rates.

All the larger companies belong to a marketplace where prospective buyers complete one form, and each company can give them a price determined by their information. This prevents consumers from doing quote forms for every car insurance company.

To compare pricing click here (opens in new window).

The one downside to getting quotes like this is you can’t choose which providers to receive prices from. So if you prefer to pick from a list of companies to compare rates, we put together a list of the cheapest car insurance companies in your area. Click here to view list.

How you compare quotes is your choice, just do your best to use nearly identical coverage data with each company. If you enter different data it will be next to impossible to decipher which rate is best.

You may need specialized car insurance coverage

When buying adequate coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions might help in determining whether your personal situation will benefit from professional help.

  • Who is covered when they drive my 2013 Chevy Silverado 3500HD?
  • What is covered by UM/UIM coverage?
  • How many claims can I have before being cancelled?
  • What can I do if my company won’t pay a claim?
  • Is my 2013 Chevy Silverado 3500HD covered for flood damage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Does coverage extend to Mexico or Canada?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

Insurance coverage breakdown

Knowing the specifics of your insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses like prosthetic devices, chiropractic care and hospital visits. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as rolling your car, hitting a mailbox, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as falling objects, hitting a deer and damage from a tornado or hurricane. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. 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 only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Liability insurance

Liability coverage protects you from injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims like repair bills for other people’s vehicles, medical expenses, emergency aid, legal defense fees and bail bonds. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

A tidy conclusion

When you buy auto insurance online, make sure you don’t buy less coverage just to save a little money. In many instances, an insured dropped liability limits or collision coverage only to regret at claim time that it was a big mistake. Your focus should be to purchase plenty of coverage at the best cost and still be able to protect your assets.

The cheapest 2013 Chevy Silverado 3500HD insurance can be purchased on the web and from local agencies, so you need to quote auto insurance with both to have the best selection. Some companies may not offer rate quotes online and usually these small insurance companies work with independent insurance agencies.

In this article, we covered some good ideas how to lower your 2013 Chevy Silverado 3500HD insurance car insurance rates. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the best price on insurance coverage is with a small local company.

Even more information can be found by following these links: