Quick Guide to Buying Coverage Online for a Chevy Silverado 2500HD

Searching for the cheapest insurance for a new or used Chevy Silverado 2500HD can be a lot of work, but you can use these tips to save time. There is a better way to compare auto insurance rates so we’re going to tell you the proper way to price shop coverage for a Chevy and locate the cheapest rates from local insurance agents and online providers.

Finding affordable coverage is quite easy. If you have a policy now or are looking for a new policy, you will benefit by learning to get lower rates and possibly find even better coverage. Drivers only need to know the best way to shop for auto insurance on the web.

Low Cost Auto Insurance

All the larger auto insurance companies like Progressive, Allstate and GEICO provide coverage prices on the web. The process doesn’t take a lot of time as you simply enter your coverage information into a form. After the form is submitted, the company’s rating system will obtain information on your driving record and credit history and gives you a price quote.

This makes comparing rates easy, but the time it takes to visit each company’s website and repetitively type in the same information can get tiresome after awhile. But it is imperative to perform this step in order to get a lower rate.

Isn’t there an easier way to compare rates?

An easier way to compare auto insurance pricing is to use a quote form to obtain quotes from a bunch of companies at once. It saves time, eliminates repetitive work, and makes online shopping much more enjoyable. After sending your information, it is rated and you can choose your choice of the quote results. If the quotes result in lower rates, you can simply submit the application and purchase the new policy. The whole process only takes a few minutes and you will know how your current rates stack up.

To compare pricing, click here to open in new window and submit the form. If you have a policy now, it’s recommended you complete the form with as shown on your current policy. This makes sure you will receive rate comparison quotes using the exact same coverages.

Why your Chevy Silverado 2500HD might be costing you more

Consumers need to have an understanding of the different types of things that go into determining auto insurance rates. Understanding what impacts premium levels helps enable you to make changes that will entitle you to big savings.

• Never allow your policy to lapse – Driving your car without having proper coverage is against the law and you will pay a penalty because you let your insurance expire. And not only will insurance be more expensive, failure to provide proof of insurance may earn you a steep fine or even jail time.
• Lower deductibles cost more – Your deductibles represent how much money you are required to spend before your auto insurance pays a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some instances where coverage would apply are colliding with a building, damage caused by hail, and windstorm damage. The higher the amount you are required to pay out-of-pocket, the bigger discount you will receive on SilveradoHD coverage.
• How many coverages with the same company – Some auto insurance companies give discounts to insureds who buy several policies from them such as combining an auto and homeowners policy. Discounts can be ten or even up to twenty percent in some cases. Even if you’re getting this discount it’s in your best interest to shop around to make sure you are getting the best deal.
• Poor credit can mean higher rates – A driver’s credit score is a large factor in determining your rates. Therefore, if your credit score is lower than you’d like, you could be paying less to insure your Chevrolet Silverado 2500HD by improving your credit score. Consumers who have excellent credit tend to be less risk to insure than drivers who have poor credit.
• Your age impacts your rates – Older insureds tend to be more responsible, tend to file fewer claims and get fewer tickets. Teen drivers have a tendency to be careless and easily distracted when behind the wheel and because of this, their auto insurance rates are much higher.

These discounts can slash auto insurance rates

Companies do not list every available discount very well, so we took the time to find both well-publicized and the harder-to-find auto insurance savings. If you don’t get every credit you deserve, you are paying more than you should be.

• Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
• Passive Restraints – Vehicles with factory air bags or motorized seat belts can receive discounts of more than 20%.
• Multiple Cars – Buying insurance for all your vehicles with the same company can get a discount on all vehicles.
• Discount for New Cars – Insuring a new car can cost up to 25% less compared to insuring an older model.
• Lower Rates for Military – Being deployed with a military unit could mean lower rates.
• Sign Online – Certain companies will discount your bill up to fifty bucks simply for signing digitally online.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Most cut the price of certain insurance coverages like comp or med pay. So even though they make it sound like all the discounts add up to a free policy, companies don’t profit that way.

Buying car insurance locally

Some consumers prefer to visit with an insurance agent and that is OK! Insurance agents can help determine the best coverages and help you file claims. The best thing about price shopping on the web is you may find better rates and still choose a local agent.

After completing this short form, your coverage information is immediately sent to local insurance agents who will give you bids for your business. You don’t have to visit any agencies because quoted prices will be sent immediately to your email address. How cool is that?!

Deciding on an insurance company requires more thought than just a low price. Agents should be asked these questions:

• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• Do they have any clout with companies to ensure a fair claim settlement?
• If they are an independent agency, which companies do they recommend?
• Do they regularly work with personal auto policies?
• What will you get paid if your car is a total loss? How is that amount determined?
• Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
• What are the financial ratings for the companies they represent?

Types of insurance agents

If you’re trying to find an insurance agent, there are two types of insurance agents that you can select. Insurance agencies can either be independent (non-captive) or captive. Both types can properly insure your vehicles, but it’s worth learning how they are different since it can impact the selection process.

Captive Insurance Agents

Captive insurance agents can only write with one company and examples are State Farm, AAA, Farmers Insurance or Allstate. They are unable to give you multiple price quotes so keep that in mind. They receive extensive training on their products and sales techniques and that can be a competitive advantage. Consumers sometimes buy from captive agents partially due to the prominence of the brand and the convenience of having a single billing for all their coverages.

Independent Agents (or Brokers)

These agents are not locked into one company but instead can place your coverage with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, your agent can switch companies without you having to go to a different agency. When searching for an agent, it’s recommended you contact at least one independent agent for the best price selection. Many write coverage with different regional companies which may provide better rates.

For a full directory of auto insurance agents, visit this page.

Once you have reasonable responses to your questions and a low price estimate, you may have just found an insurance agent that will properly insure your vehicles.

In the end, you save

We’ve covered a lot of tips how to lower your Chevy Silverado 2500HD insurance rates. The key concept to understand is the more companies you get rates for, the better your comparison will be. Consumers could even find that the lowest rates come from a company that doesn’t do a lot of advertising.

Consumers who switch companies do it for a variety of reasons including policy cancellation, being labeled a high risk driver, delays in responding to claim requests or even policy non-renewal. It doesn’t matter why you want to switch finding the right auto insurance provider can be less work than you think.

Cheaper Chevy Silverado 2500HD insurance can be purchased on the web as well as from independent agents, and you should be comparing both to have the best chance of lowering rates. Some auto insurance companies don’t offer online quoting and most of the time these small insurance companies sell through independent agents.