Consumers have options when looking for low-cost Chevy Silverado 3500 insurance. You can either waste hours calling around trying to get quotes or leverage the internet to find the lowest rates. There are both good and bad ways to find auto insurance online so you’re going to learn the proper way to quote coverages for your Chevy and get the cheapest rates either online or from local insurance agents.
Consumers should take time to shop coverage around once or twice a year since insurance rates are variable and change quite frequently. If you had the best price for Silverado coverage six months ago you may be paying too much now. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to one of the quickest ways to buy cheaper auto insurance.
Finding affordable coverage is not rocket science. If you are paying for car insurance now, you should be able to reduce your rates substantially using these tips. Consumers just need to know the most effective way to compare price quotes over the internet.
Do you qualify for a discount?
Auto insurance companies don’t always publicize every available discount in a way that’s easy to find, so here is a list some of the more common and also the lesser-known savings tricks you should be using. If you aren’t receiving every discount available, you’re just leaving money on the table.
- Accident Forgiveness – A few companies permit an accident before your rates go up if you are claim-free for a set time period.
- Payment Discounts – If you pay your bill all at once rather than paying monthly you could save 5% or more.
- No Accidents – Good drivers with no accidents can earn big discounts as compared to drivers who are more careless.
- Student in College – Children living away from home attending college without a vehicle on campus can receive lower rates.
- Safe Driver Discount – Drivers who avoid accidents may save up to 50% more for Silverado coverage than drivers with accidents.
- Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
- Seat Belt Usage – Requiring all passengers to use a seat belt can save up to 15% off your medical payments premium.
A little note about advertised discounts, most credits do not apply to your bottom line cost. Most only apply to individual premiums such as liability, collision or medical payments. So when it seems like you can get free auto insurance, you won’t be that lucky.
For a list of companies who offer auto insurance discounts, click here to view.
Situations that might require an agent
When buying the best auto insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s needs are different.
For example, these questions could help you determine if your insurance needs might need professional guidance.
- Will I be non-renewed for getting a DUI or other conviction?
- Will I lose any money if I cancel my policy before it expires?
- Are rental cars covered under my policy?
- Is borrowed equipment or tools covered if stolen or damaged?
- Do I have coverage if my license is suspended?
- What companies insure drivers after a DUI or DWI?
- Should I rate my Chevy Silverado 3500 as pleasure use or commute?
If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, complete this form. It is quick, free and may give you better protection.
What happened to insurance agents?
Certain consumers just want to get advice from a local agent and that is a personal choice. Licensed agents are trained to spot inefficiencies and help in the event of a claim. The best thing about comparing rates online is you can get better rates and still have an agent to talk to.
To make it easy to find an agent, after completing this form (opens in new window), the coverage information is emailed to agents in your area who will return price quotes for your insurance coverage. You won’t need to drive around since price quotes are sent straight to your inbox. Now that’s easy!
Choosing an insurer should depend on more than just a low price. Any agent should have no problem answering these questions:
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Which company do they place the most coverage with?
- Do the companies they represent have a solid financial rating?
- Does the agency have a good rating with the Better Business Bureau?
- Will your rates increase after a single accident?
- Does the company allow you to choose your own collision repair facility?
- Is vehicle mileage a factor when determining depreciation for repairs?
- If your car is in the repair shop, do you have coverage for a rental car?
To select a specific agent in your state, visit this site.
Once you have positive responses to any questions you have as well as a affordable price, chances are good that you have found an provider that will properly service your auto insurance policy.
Beware of misleading auto insurance ads
Consumers can’t ignore all the ads for cheaper car insurance from companies such as GEICO, State Farm and Progressive. All the companies say the same thing about savings if you move your policy.
How does each company make the same claim? This is how they do it.
All the different companies can use profiling for the type of driver that earns them a profit. For instance, a desirable insured might be profiled as over the age of 40, insures multiple vehicles, and drives newer vehicles. A driver who matches those parameters will qualify for the lowest rates and is almost guaranteed to save when switching.
Drivers who don’t qualify for the “perfect” profile must pay a more expensive rate which usually ends up with the driver buying from a lower-cost company. Company advertisements say “people who switch” not “everyone that quotes” save money. That’s the way insurance companies can confidently state the savings. This illustrates why you need to get as many quotes as possible. It is impossible to predict which company will fit your personal profile best.
Shop smart and save
Drivers leave their current company for a number of reasons such as policy cancellation, delays in responding to claim requests, delays in paying claims and unfair underwriting practices. No matter why you want to switch, finding a new company can be pretty painless.
In this article, we presented some good ideas how you can lower your Chevy Silverado 3500 insurance rates. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced auto insurance comes from some of the lesser-known companies.
Low-cost Chevy Silverado 3500 insurance can be bought online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.
