How Much Does 2018 Chevrolet Silverado 3500HD Car Insurance Cost?

Trying to find better auto insurance rates for your Chevrolet Silverado 3500HD? Having to pay for expensive Chevrolet Silverado 3500HD insurance can overdraw your savings and make it tough to pay other bills. Shopping your coverage around can help to slash your bill and have more diposable income.

Companies like State Farm, GEICO and Farmers Insurance constantly bombard you with catchy ads and it is difficult to see past the corporate glitz and effectively compare rates to find the best deal.

Shop auto insurance online

There are a lot of ways to compare auto insurance quotes, but there is one way that is less labor-intensive and much quicker. You could waste time talking about coverages with insurance agencies in your area, or you can utilize online quotes to maximize your effort.

Most of the best insurance companies enroll in a system where prospective buyers complete one form, and each participating company provides a quote based on the submitted data. This saves time by eliminating form submissions for every auto insurance company. To access this free quoting program, click here (opens in new window).

The one downside to comparing rates this way is you cannot specify which carriers you will receive quotes from. So if you want to choose specific insurance companies for rate comparison, we have a page of low cost auto insurance companies in your area. Click to view list.

The method you choose is up to you, but be certain you are entering nearly identical coverages and limits for each comparison quote. If each company quotes different deductibles it will be nearly impossible to get a fair rate comparison.

Discounts for lower-cost car insurance quotes

Insuring your vehicles can cost a lot, but there’s a good chance there are discounts that can dramatically reduce your bill. Most are applied when you get a quote, but once in a while a discount must be manually applied before you get the savings.

  • Seat Belt Discounts – Drivers who require all occupants to use a seat belt could cut 10% or more off the PIP or medical payment premium.
  • Telematics Data Discounts – Drivers that enable their company to track driving manner by using a telematics device such as State Farm’s In-Drive may get a rate reduction if they exhibit good driving behavior.
  • No Charge for an Accident – Not a discount per se, but some insurance companies will let one accident slide without the usual rate increase so long as you haven’t had any claims for a particular time prior to the accident.
  • Senior Citizen Rates – If you’re over the age of 55, you can possibly qualify for better car insurance rates for SilveradoHD coverage.
  • Auto/Home Discount – If you can combine your homeowners and auto policy and insure them both with the same insurance company they may give you a discount of at least 10% off all policies.
  • Distant College Student Discount – Any of your kids who live away from home at college and do not have access to a covered vehicle could qualify for this discount.
  • Drivers Ed for Students – It’s a good idea to have your young drivers successfully complete driver’s ed class in school.
  • Discounts for New Vehicles – Putting insurance coverage on a new car may earn a small discount because newer models are generally safer.
  • Good Student – A discount for being a good student may save as much as 25% on a insurance quote. Many companies even apply the discount to college students well after school through age 25.
  • Multiple Vehicles – Having several vehicles with the same company can get a discount on all vehicles.

Consumers should know that most credits do not apply to the entire cost. The majority will only reduce specific coverage prices like comp or med pay. Just because you may think having all the discounts means you get insurance for free, it doesn’t quite work that way. But all discounts will positively reduce the cost of your policy.

The best car insurance companies and the discounts they provide are outlined below.

  • State Farm may have discounts that include safe vehicle, Steer Clear safe driver discount, multiple policy, Drive Safe & Save, accident-free, good driver, and student away at school.
  • American Family offers discounts including TimeAway discount, accident-free, bundled insurance, good student, good driver, and early bird.
  • GEICO may include discounts for federal employee, military active duty, driver training, air bags, and membership and employees.
  • 21st Century offers premium reductions for theft prevention, anti-lock brakes, good student, 55 and older, and early bird.
  • Progressive offers discounts for multi-policy, good student, online quote discount, online signing, continuous coverage, multi-vehicle, and homeowner.

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Some discounts listed above may not apply in your area.

You may need specialized auto insurance coverage

When it comes to buying proper insurance coverage, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that can help discover whether your personal situation would benefit from professional advice.

  • Can I drive in Mexico and have coverage?
  • Is business property covered if stolen from my car?
  • Who is covered by my policy?
  • Do I need an umbrella policy?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I need motorclub coverage?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Coverages available on your policy

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages available from insurance companies.

Comprehensive insurance – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, theft, a broken windshield, hitting a deer and rock chips in glass. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Chevy Silverado 3500HD.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses – Med pay and PIP coverage kick in for short-term medical expenses for things like EMT expenses, dental work, rehabilitation expenses, X-ray expenses and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Collision coverage – This coverage covers damage to your Silverado 3500HD resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sustaining damage from a pot hole, backing into a parked car, driving through your garage door and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Liability coverages – Liability insurance protects you from injuries or damage you cause to a person or their property by causing an accident. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

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 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for things such as loss of income, repair costs for stationary objects, court costs, legal defense fees and emergency aid. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.