How to Find Affordable Insurance for your Chevrolet Silverado 3500
If searching for lower car insurance rates was a good time, we'd have no problem finding the best rate. But the reality is, you probably don't enjoy it and you think it costs too much. You probably feel the same way about finding lower cost coverage for your Chevrolet Silverado 3500.
Step One: Compare Rates from Multiple Companies
If you haven't shopped for car insurance for awhile you might remember the days when the only option was to visit a local insurance agent. Not anymore!
Comparing insurance rates for a Chevrolet Silverado 3500 only require you to enter your information once. You'll receive multiple quotes and can easily compare rates.
To start, click the link below to begin entering your information. After you complete the form, you will receive comparison rates from different companies so you easily determine if you can save money.
Quote Tip! In order to accurately compare rates for your Silverado 3500, it's critical that you use the same limits and deductibles for liability and physical damage coverages like comprehensive and collision. If you use different limits, you will not be able to accurately compare rates between carriers.
Step Two: Insider Tips for Finding Cheaper Silverado 3500 Insurance
What you actually pay to insure your Chevrolet is determined by many factors, some of which you have no control over.
- Vehicles that tend to get stolen or have high repair costs will cost you more to insure. If your Silverado 3500 falls into either category, it could cost you.
- If you belong to a professional organization for your employment, you may qualify for a discount rate. And if you're a senior citizen, you may get a discount for your age as well.
- Small claims that may only exceed your physical damage deductibles by a small amount are better off not being submitted to your company. Just pay the extra hundred dollars or two and keep a claim-free discount on your policy.
- Bundling your auto and home insurance with the same company can often get you a discount, and just being a homeowner in itself will get you a lower rate.
- Newer car models are coming standard with advanced passenger safety systems, and these help reduce the risk of injury in an accident. Less injuries mean lower insurance rates.
- It's very important that you allows keep coverage effective on your vehicles. Having even a one-day lapse in coverage can make your premiums jump higher.
- If you have a speeding ticket or other moving violation, you could be charged more for insurance. If you get a ticket, find out if your county or state offers a defensive driving course that will void the ticket upon completion.
- Many insurance companies will give you a small discount if you've recently completed a driver's training course.
- Teen drivers have a tendancy to learn the hard way when driving, and that means having a few fender-benders. Rating them on a high profile newer vehicle can be very expensive so you might consider buying an older model vehicle for them to drive and only insure it with liability coverage.
- Good credit will get you lower car insurance rates. Evidence correlates good credit with low claims, so the better you maintain your credit level, the less risk you are to your company.
- Higher deductibles save money. If you can afford to pay a larger portion of a comprehensive or collision claim, you will pay substantially less for those coverages if you increase your deductibles to $500 or even $1,000.
Step Three: Select the Best Company for Your Needs
Now that you hopefully have several rates to compare and have made any changes needed to your individual coverages, you can choose the best company to insure your Silverado 3500 with.
It's easiest to cancel an old policy at the renewal date, but you can cancel it anytime. Just make sure you have the new policy effective the date you cancel your old policy in order to avoid any lapse in coverage.
If you are adding a vehicle to an existing policy and not buying a new one, just make sure to get the vehicle added as soon as possible. Every insurance company offers a grace period to add new vehicles, so make sure you get the Chevrolet added prior to the expiration of this grace period. Coverage that extends from an existing policy is only as good as your current coverage. So if you don't carry full coverage on any vehicles, you won't have it on your new Silverado 3500.
All states require you to keep the proof-of-insurance or financial responsibility card in your vehicle at all times. Failure to produce this document can result in a citation. If you have received a DUI, reckless driving citation or caused an accident without insurance, you may be required to file an SR-22 with your state DMV. Make sure your new company is aware of the SR-22 filing requirement.
More Resources
To do more research on car insurance, visit the Insurance Information Institute website.
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