Save on Chevy Silverado 2500HD Insurance in Pittsburgh

Really, the only way to find cheaper prices for Chevy Silverado 2500HD insurance is to annually compare prices from companies in Pittsburgh.

1. Read and learn about how insurance works and the things you can control to prevent expensive coverage. Many things that are responsible for high rates like speeding tickets, careless driving and an unacceptable credit history can be improved by making minor driving habit or lifestyle changes.
2. Quote rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only quote rates from one company like Progressive or Farmers Insurance, while independent agents can provide prices for a wide range of companies.
3. Compare the new rates to the premium of your current policy to see if a cheaper price is available in Pittsburgh. If you find a better price and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
4. Tell your current agent or company of your intention to cancel the current policy and submit a completed policy application and payment to the newly selected company. As soon as you can, put the new proof of insurance certificate with your registration paperwork.

An important bit of advice to remember is to make sure you’re comparing similar coverage information on each quote request and and to compare as many car insurance companies as possible. This guarantees a fair price comparison and plenty of rates choose from.

Smart shoppers know that insurance companies don’t want you shop around. People who shop rates annually will, in all likelihood, switch car insurance companies because they have a good chance of finding a policy with better rates. A recent survey revealed that consumers who compared rates regularly saved approximately $70 a month compared to people who never compared prices.

If finding the most affordable insurance is the reason for your visit, then understanding the best ways to find and compare insurance premiums can help you succeed in finding affordable rates.

The companies shown below can provide price quotes in Pennsylvania. In order to find cheap auto insurance in Pittsburgh, we suggest you compare several of them to get the best price comparison.

Chevy Silverado 2500HD insurance charts and tables

The coverage information displayed next covers detailed analysis of policy rates for Chevy Silverado 2500HD models. Having insight into how auto insurance policy rates are formulated can help guide drivers when making decisions on which coverage to buy.

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rate quotes do not factor in the specific area where the vehicle is garaged which can lower or raise prices noticeably.

Policy deductibles

One of the more difficult decisions when buying insurance is at what level do you set your deductibles. The rates shown below highlight the differences in price when you select higher and lower coverage deductibles. The first rate quote example uses a $100 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Estimates do not factor in vehicle location which can affect coverage prices substantially.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs roughly $28 more each month or $336 each year than choosing the higher $500 deductible. Since you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you average at a minimum 14 months between claims, you would save money if you opt for a higher deductible.

An important sidenote is that raising deductibles to get cheaper rates means you will have to cover more of the damage yourself when you have to file a claim. You should have some money saved in the event you need to pay the deductible.

The diagram below demonstrates how choosing different deductibles and can increase or decrease Chevy Silverado 2500HD insurance prices for each different age category. The information is based on a single female driver, full physical damage coverage, and no additional discounts are factored in.

Insurance does more than just repair your car

Despite the high cost of buying insurance for a Chevy Silverado 2500HD in Pittsburgh, insurance may be required and benefits you in several ways.

First, the majority of states have mandatory liability insurance requirements which means the state requires specific limits of liability in order to drive the car. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if your Silverado 2500HD has a lienholder, more than likely the lender will require you to have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank may insure your Chevy at a more expensive rate and force you to pay a much higher amount than you were paying before.

Third, insurance protects both your Chevy and your assets. Insurance will also pay for many types of medical costs for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, your policy will cover the damage repairs after a deductible is paid.

The benefits of buying enough insurance definitely exceed the cost, particularly for liability claims. According to a survey of 1,000 drivers, the average driver is wasting up to $750 every year so you should quote rates each time the policy renews to be sure current rates are still competitive.

Eight Things That Determine Your Insurance Premiums

When buying insurance it’s important to understand the factors that go into determining insurance rates. When consumers understand what impacts premium levels, this helps enable you to make changes that may reward you with big savings. Many factors are part of the equation when premium rates are determined. Some are obvious such as your driving history, although others are more obscure such as whether you are married or your financial responsibility.

The factors shown below are most of the major factors utilized by car insurance companies to help set your rate level.

Marriage is a factor – Your spouse actually saves money on your insurance policy. It may mean you are more mature than a single person and statistics show drivers who are married are more cautious.

Drive less and get lower rates – Driving more miles in a year the more you will pay for insurance. A lot of insurance companies charge rates partially by how you use the vehicle. Cars not used for work or commuting get more affordable rates than vehicles that have high annual mileage. An incorrectly rated Silverado 2500HD may be wasting your money. Verify your insurance coverage correctly shows the correct driver usage.

Costs go up with performance – The performance of the vehicle you own makes a huge difference in your car insurance bill. Economy passenger cars receive the most favorable rates, but the cost you end up paying is determined by many additional factors.

The chart below assumes a married male driver age 30, full coverage with $100 deductibles, and no discounts or violations. It illustrates Chevrolet Silverado 2500HD insurance premiums compared to other makes and models that have a range of performance rating factors.

Policy add-ons add up – Insurance companies have many extra add-on coverages that you can get tricked into buying on your Silverado 2500HD policy. Insurance for things like rental car reimbursement, towing coverage, and extra life insurance coverage are probably not needed. They may sound like good ideas when you first buy your policy, but if you have no use for them remove them from your policy.

Traffic violations hurt – Whether or not you get tickets has a big impact on rates. Drivers who don’t get tickets pay less for auto insurance as compared to those with violations. Just one ticket can boost insurance rates twenty percent or more. People who have severe tickets like DUI or willful reckless driving are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent a license revocation.

The illustration below demonstrates how traffic citations and at-fault fender-benders can increase Chevy Silverado 2500HD insurance premiums for different age groups. The premiums assume a married female driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.

Which gender costs less? – Statistics demonstrate that men are more aggressive behind the wheel. It does not mean males are worse at driving than females. Females and males cause auto accidents in similar percentages, but guys cause more damage and cost insurance companies more money. Men also get more serious tickets like DUI and reckless driving. Teenage male drivers are most likely to cause an accident and thus pay the highest rates.

The information below shows the comparison of Chevy Silverado 2500HD car insurance costs for male and female drivers. The data is based on no tickets, no at-fault accidents, full coverage, $250 deductibles, single marital status, and no discounts are taken into consideration.

Vehicles with better crash test results save money – Vehicles with high crash test scores are cheaper to insure. Safer cars reduce the chance of injuries and fewer injuries translates directly to fewer claims and thus lower rates.

Raise physical damage deductibles and save – Physical damage deductibles state the amount of money you are required to spend before a claim is paid by your company. Protection for physical damage, also called comprehensive and collision insurance, protects your car from damage. Some instances where coverage would apply could be rear-ending another vehicle, hail damage, and having a roll-over accident. The more of the claim you choose to pay out-of-pocket, the less money you will pay for insurance.

Pittsburgh car insurance company ratings

Insuring your vehicle with the highest-rated company can be rather challenging considering how many companies there are to choose from in Pennsylvania. The ranking information in the lists below may help you choose which car insurance providers to look at buying from.

Top 10 Pittsburgh Car Insurance Companies Ranked by Customer Service

1. Titan Insurance
2. The Hartford
3. American Family
4. Progressive
5. USAA
6. Travelers
7. State Farm
8. GEICO
9. Erie Insurance
10. Allstate

Top 10 Pittsburgh Car Insurance Companies Overall

1. The General
2. Titan Insurance
3. The Hartford
4. Progressive
5. Travelers
6. State Farm
7. Farmers Insurance
8. Erie Insurance
9. Safeco Insurance
10. USAA

A conclusion for your insurance search

As you restructure your insurance plan, make sure you don’t reduce coverage to reduce premium. In many instances, an accident victim reduced uninsured motorist or liability limits and learned later they didn’t have enough coverage. The aim is to purchase plenty of coverage for the lowest price but still have enough coverage for asset protection.

Lower-priced insurance in Pittsburgh is possible online in addition to local insurance agencies, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies may not offer rate quotes online and usually these small insurance companies sell through independent agents.

Additional detailed information can be read by following these links:

• What is Full Coverage? (Allstate)
• Who Has the Cheapest Auto Insurance Rates for Uber Drivers in Pittsburgh? (FAQ)
• Who Has the Cheapest Pittsburgh Car Insurance for a Nissan Versa? (FAQ)
• Who Has Cheap Pittsburgh Car Insurance Quotes for Drivers Over Age 50? (FAQ)
• Who Has Cheap Auto Insurance for Retired Military in Pittsburgh? (FAQ)
• Event Data Recorders FAQ (iihs.org)
• Protect Yourself Against Auto Theft (Insurance Information Institute)
• Understanding Car Crashes Video (iihs.org)
• Automakers compete to add autobraking (Insurance Institute for Highway Safety)