Buy Chevy Silverado 1500 Insurance for Less Than You Pay Now

Feel like you’re a prisoner to overpriced auto insurance? Trust us when we tell you you are not the only one feeling buyer’s remorse. Companies like GEICO, Farmers Insurance and State Farm all claim big savings with ads and it can be hard to see past the geckos and flying pigs and do the work needed to find the best deal.

It’s a good idea to get comparison quotes occasionally since insurance rates change quite often. Just because you found the best rates for Silverado insurance a year ago you may be paying too much now. Starting now, ignore everything you know about auto insurance because you’re going to learn how to quote online to reduce your cost while increasing coverage.

Save money by taking advantage of these discounts

Companies don’t necessarily list every available discount very well, so we took the time to find both well-publicized and the harder-to-find discounts you could be receiving. If you don’t get every credit available, you’re paying more than you need to.

• Low Mileage Discounts – Fewer annual miles on your Chevy could qualify for lower rates on the low mileage vehicles.
• Clubs and Organizations – Affiliation with a civic or occupational organization could trigger savings when shopping for auto insurance for Silverado insurance.
• Resident Student – Kids in college who live away from home and do not have access to a covered vehicle may be able to be covered for less.
• Anti-theft System – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
• Senior Citizens – Older drivers may be able to get a small decrease in premiums for Silverado insurance.
• New Vehicle Savings – Adding a new car to your policy is cheaper due to better safety requirements for new cars.

Consumers should know that most credits do not apply to the overall cost of the policy. Most only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, companies don’t profit that way.

To choose providers who offer auto insurance discounts, click here to view.

These factors can influence Chevy Silverado 1500 insurance rates

Smart consumers have a good feel for the rating factors that help determine your auto insurance rates. Having a good understanding of what determines base rates empowers consumers to make smart changes that could result in big savings.

• Discounts for married couples – Being married can get you a discount on your policy. Having a spouse means you’re more mature and responsible and it’s statistically proven that married drivers get in fewer accidents.
• Lower deductibles cost more – The deductibles represent how much money you are required to spend in the event of a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some examples of claims that would be covered are colliding with a building, damage caused by hail, and rolling your vehicle. The more expense the insured has to pay upfront, the less your auto insurance will be for Silverado insurance.
• Better credit means lower rates – Credit history is a important factor in calculating your auto insurance rates. Therefore, if your credit rating is not that good, you could be paying less to insure your Chevrolet Silverado 1500 by improving your credit score. Drivers who have high credit scores tend to be better drivers and file fewer claims than those with lower credit scores.
• Keep rates low by being claim-free – If you file claims often, you can expect either higher rates or even cancellation. Auto insurance companies generally give discounts to people who do not rely on their insurance for small claims. Car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
• Are you male or female? – The statistics show women tend to be less risk to insure than men. That doesn’t necessarily mean that women are BETTER drivers than men. They both are in accidents in similar numbers, but the male of the species cause more damage. Men also tend to get cited for more serious violations like reckless driving and DUI. Youthful male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.

Which policy gives me the best coverage?

When buying proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions can aid in determining if your situation may require specific advice.

• Am I covered by my spouse’s policy after a separation?
• Is business equipment covered while in my vehicle?
• Do I need special endorsements for business use of my vehicle?
• Are my friends covered when driving my Chevy Silverado 1500?
• Does my insurance cover my expensive audio equipment?
• Do I really need UM/UIM coverage?
• Is pleasure use cheaper than using my Chevy Silverado 1500 to commute?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

But buying car insurance online seems impersonal

Some consumers just want to talk to a local agent and that is a personal choice. Licensed agents can point out coverage gaps and help submit paperwork. One of the great benefits of comparing rates online is you can get lower rates but still work with a licensed agent.

After filling out this form (opens in new window), your insurance data is immediately sent to insurance agents who will battle for your insurance coverage. There is no reason to visit any agencies since price quotes are sent immediately to your email address. It doesn’t get any easier!

Selecting an insurer shouldn’t rely on just the price. Ask your prospective agent these questions:

• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• How long has their agency been in business?
• Will their companies depreciate repairs to your car based on the mileage?
• Are they able to influence company decisions when a claim is filed?
• Are they properly licensed to sell insurance in your state?
• Are claims handled at the agent’s location?
• If you have an accident, will your rates go up?

Auto insurance agents come in two varieties

When searching for a local agent, there are two types of agencies that differ in how they can insure your vehicles. Agencies are classified as either independent or captive. Either one can properly insure your vehicles, but it’s worth mentioning how they differ because it can impact your selection of an agent.

Agency Captives

Captive agencies can only write with one company such as Allstate, Farmers Insurance, State Farm and AAA. Captives cannot give you multiple price quotes so they have no alternatives for high prices. They receive extensive training on the products they sell which helps them compete with independent agents.

Independent Agents

Independent agencies are not required to write business for one company so they have the ability to put coverage amongst many companies enabling the ability to shop coverage around. If you are not satisfied with one company, they simply move the coverage in-house and you won’t have to switch agencies. When searching for an agent, you should always include at a minimum one independent agency for the best price selection.

For a full directory of insurance agencies, click here.

After receiving satisfactory answers to your questions and a good coverage price, it’s possible that you found an auto insurance agent that will properly insure your vehicles.

Buy online or local, you save

Cheap Chevy Silverado 1500 insurance can be bought online in addition to many insurance agents, and you need to price shop both to get a complete price analysis. Some insurance companies do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

In this article, we presented quite a bit of information on how to save on Chevy Silverado 1500 insurance. It’s most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. Consumers could even find that the biggest savings come from the least-expected company. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, GEICO and Progressive.

As you prepare to switch companies, it’s a bad idea to buy less coverage just to save a little money. In many cases, someone sacrificed comprehensive coverage or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to find the BEST coverage at a price you can afford while not skimping on critical coverages.