It takes a little time, but the best way to find affordable Chevy Silverado 3500HD insurance in Chula Vista is to start doing a yearly price comparison from companies who sell auto insurance in California. Prices can be compared by following these steps.
- Learn about the coverage provided by your policy and the changes you can make to keep rates in check. Many factors that increase rates like careless driving and an imperfect credit history can be controlled by making lifestyle changes or driving safer.
- Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from a single company like GEICO and State Farm, while independent agents can quote prices for a wide range of insurance providers. View prices
- Compare the new rate quotes to your existing rates to determine if you can save on Silverado 3500HD insurance. If you find better rates, ensure there is no coverage lapse between policies.
- Give notification to your agent or company of your intent to cancel your current car insurance policy. Submit any necessary down payment along with the completed application to your new carrier. Once the application is submitted, put the proof of insurance certificate in an easily accessible location.
The key thing to know about shopping around is to compare the same level of coverage on each quote request and and to get prices from as many carriers as you can. This guarantees a fair price comparison and and a good selection of different prices.
It’s a known fact that auto insurance companies don’t want their policyholders to compare prices. Drivers who shop around for the cheapest rate are very likely to buy a different policy because of the good chance of finding a lower-cost company. A study discovered that drivers who shopped around saved about $3,450 over four years compared to people who don’t make a habit of comparing rates.
If finding discount rates on Chevy Silverado 3500HD insurance is the reason for your visit, then learning a little about how to find and compare coverage rates can make it easier to shop your coverage around.
If you currently have a car insurance policy, you will be able to shop for the lowest rates using these tips. Finding and comparing the best insurance policy in Chula Vista is not as hard as you think. But California car owners need to learn the way insurance companies calculate your policy premium because it can help you find the best coverage.
Informed Drivers Can Cut Their Insurance Costs
A large part of saving on insurance is knowing a few of the rating criteria that go into determining insurance rates. If you know what influences your rates, this enables you to make decisions that can earn you better insurance rates.
Listed below are just a few of the factors used by insurance companies to determine your prices.
Vocation can influence rates – Did you know your occupation can influence how much you pay for insurance? Jobs such as real estate brokers, architects, and accountants are shown to have higher premium rates because of intense work-related stress and lengthy work days. On the flip side, jobs such as farmers, engineers and performers generally pay rates lower than average.
Traffic violations cost more than a fine – Your driving record has a huge affect on how much you pay. Drivers who don’t get tickets pay less for auto insurance than people who have multiple driving citations. Having a single speeding ticket could increase your next policy renewal by as much as thirty percent. Drivers with flagrant violations like reckless driving or DUI may find that they have to to submit a SR-22 form with their state motor vehicle department in order to continue driving.
The information below illustrates how violations and accidents can raise Chevy Silverado 3500HD annual premium costs for different age groups. The rate quotes are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.
Incidental coverages push up premiums – There are quite a few extra coverages that you can buy if you don’t pay attention. Things like vanishing deductibles, accident forgiveness, and motor club memberships may not be needed and are just wasting money. You may think they are a good idea at first, but if they’re wasting money eliminate the coverages to reduce your premium.
Liability coverage preserves assets – The liability coverage on your policy is the protection when you are found liable for personal injury or accident damage. Your policy’s liability insurance provides you with a defense in court to defend your case. This coverage is very inexpensive when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
City traffic equals higher costs – Living in smaller towns and rural areas of the country is a good thing if you are looking for the lowest rates. Fewer drivers translates into fewer accidents in addition to fewer liability claims. Residents of big cities regularly have congested traffic and more severe claims. Spending more time driving means more chances of being involved in an auto accident.
Stay claim-free and save money – Auto insurance companies in California give most affordable rates to people who file claims infrequently. If you frequently file small claims, you can pretty much guarantee increased rates or even have your policy non-renewed. Insurance coverage is designed for the large, substantial claims.
Higher premiums for policy lapses – Going without insurance is a quick way to drive up your policy premiums. And not only will insurance be more expensive, the inability to provide proof of insurance may earn you a license revocation or jail time.
High credit rating translates to low costs – Having a bad credit history is likely to be a major factor in calculating your premium rate. If your credit could use some work, you could potentially save money when insuring your Chevrolet Silverado 3500HD if you clean up your credit. People that have very high credit ratings tend to file fewer claims and have better driving records than those with poor credit.
Facts and figures for Chevy Silverado 3500HD insurance
The coverage information shown next showcases a range of insurance prices for Chevy Silverado 3500HD models. Being able to understand how insurance policy premiums are established can help guide drivers when making informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 3500HD LT Crew Cab 4WD | $464 | $912 | $564 | $34 | $168 | $2,142 | $179 |
| Silverado 3500HD LT Extended Cab 4WD | $464 | $912 | $564 | $34 | $168 | $2,142 | $179 |
| Silverado 3500HD LT Crew Cab 2WD | $464 | $792 | $450 | $26 | $134 | $1,866 | $156 |
| Silverado 3500HD LTZ Crew Cab 2WD | $512 | $792 | $450 | $26 | $134 | $1,914 | $160 |
| Silverado 3500HD LT Crew Cab Diesel 2WD | $512 | $912 | $450 | $26 | $134 | $2,034 | $170 |
| Silverado 3500HD LTZ Crew Cab Diesel 2WD | $512 | $912 | $450 | $26 | $134 | $2,034 | $170 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Premium costs do not factor in specific location which can lower or raise coverage prices greatly.
The chart below shows how different deductible levels and can influence Chevy Silverado 3500HD insurance prices for different age groups. The price estimates are based on a married male driver, full physical damage coverage, and no policy discounts are applied.
Chevrolet Silverado 3500HD liability-only versus full coverage
The chart below illustrates the difference between Chevy Silverado 3500HD auto insurance costs with full coverage and liability only. The data assumes no accidents, no driving violations, $100 deductibles, single status, and no discounts are taken into consideration.
Are you wasting money paying for full coverage?
There is no definitive formula for excluding comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.
For example, let’s say your Chevy Silverado 3500HD replacement value is $3,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $2,000 after the policy deductible has been paid. If you are paying in excess of $200 a year for full coverage, the it may be a good time to stop paying for full coverage.
There are some situations where removing full coverage is not a good idea. If you still have a loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should keep full coverage.
Auto insurance quotes and discounts
Auto insurance is expensive, but there are discounts available that can drop the cost substantially. A few discounts will be applied at the time of purchase, but some discounts are required to be asked for before you get the savings.
- Discount for Life Insurance – Auto insurance companies who offer life insurance give a break if you buy auto and life insurance together.
- No Claim Discounts – Drivers with accident-free driving histories are rewarded with significantly better rates on Chula Vista auto insurance quote when compared to drivers with a long claim history.
- Active Service Discounts – Being deployed in the military could trigger a small discount.
- Discounts for Good Drivers – Drivers without accidents can save as much as half off their rates compared to accident prone drivers.
- Telematics Data – People who choose to allow driving data submission to analyze where and when they drive by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction as long as the data is positive.
- College Student Discount – Kids who are attending college and do not take a car to college could get you a discount.
Don’t be surprised that some credits don’t apply to all coverage premiums. Most only apply to individual premiums such as comp or med pay. So when it seems like you could get a free auto insurance policy, that’s just not realistic.
The illustration below illustrates the difference between Chevy Silverado 3500HD insurance rates with and without some available policy discounts. The premium estimates are based on a female driver, no accidents, no driving violations, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, multi-car, marriage, claim-free, and homeowner discounts applied.
Companies and their offered discounts include:
- State Farm has discounts for good driver, Drive Safe & Save, safe vehicle, student away at school, anti-theft, and defensive driving training.
- American Family policyholders can earn discounts including air bags, mySafetyValet, good student, good driver, defensive driver, accident-free, and early bird.
- GEICO includes discounts for military active duty, driver training, daytime running lights, good student, multi-policy, and five-year accident-free.
- 21st Century may offer discounts for air bags, automatic seat belts, student driver, good student, and driver training.
- Progressive has savings for multi-vehicle, good student, online quote discount, online signing, and continuous coverage.
If you need inexpensive Chula Vista auto insurance quotes, ask every company how you can save money. A few discounts may not be available in your state. If you would like to view companies who offer free Chevy Silverado 3500HD insurance quotes in Chula Vista, click this link.
You can find cheaper coverage
We just covered a lot of ways to reduce Chevy Silverado 3500HD insurance prices online in Chula Vista. It’s most important to understand that the more companies you get rates for, the better likelihood of getting affordable Chevrolet Silverado 3500HD insurance quotes. You may even discover the biggest savings come from the smaller companies.
Budget-conscious Chevy Silverado 3500HD insurance can be found both online and also from your neighborhood Chula Vista agents, so you should be comparing quotes from both to have the best rate selection. Some insurance providers may not offer the ability to get quotes online and these small, regional companies only sell through independent agents.
Insureds who switch companies do it for a number of reasons such as an unsatisfactory settlement offer, poor customer service, delays in paying claims or policy cancellation. It doesn’t matter what your reason, finding a new car insurance company is less work than it seems.
To read more, feel free to visit these articles:
- Determining Auto Insurance Rates (GEICO)
- Safety Belts FAQ (iihs.org)
- Protecting Teens from Drunk Driving (Insurance Information Institute)