Best Chevy Silverado 3500HD Insurance in El Paso

Sick and tired of sacrificing other expenses to pay your car insurance bill each month? You are in the same boat as the majority of other vehicle owners in Texas.

Unimaginable but true, most car insurance customers kept buying from the same company for a minimum of four years, and 38% of customers have never compared quotes from other companies. With the average premium in Texas being $2,680, drivers can save 70% each year by just shopping around, but they just don’t understand the benefits if they swap their current policy for a cheaper one.

How to buy affordable Chevy Silverado 3500HD insurance in El Paso

It takes a few minutes, but the best way to get cheaper Chevy Silverado 3500HD insurance in El Paso is to start comparing prices yearly from insurance carriers that sell auto insurance in Texas.

• First, try to comprehend car insurance and the changes you can make to lower rates. Many rating criteria that cause high rates like accidents, traffic violations, and an imperfect credit history can be rectified by making small lifestyle or driving habit changes. This article gives additional ideas to prevent high prices and find additional discounts.
• Second, request price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like GEICO and State Farm, while agents who are independent can give you price quotes from multiple companies.
• Third, compare the quotes to your current policy premium and see if you can save money. If you find a lower rate and make a switch, make sure coverage does not lapse between policies.

The most important part of shopping around is that you use identical limits and deductibles on every price quote and and to get price quotes from as many companies as possible. This provides an apples-to-apples comparison and a complete price analysis.

There are many insurance companies to purchase coverage from, and even though it’s nice to have multiple companies, more options can take longer to find the best rates for your vehicles.

Consumers should take time to get comparison quotes once or twice a year because car insurance prices change regularly. Even if you got the best rates on Chevy Silverado 3500HD insurance in El Paso a couple years back other companies may now be cheaper. Block out anything you think you know about car insurance because you’re going to get a crash course in the things you must know in order to save on car insurance.

To find low cost prices, there are a couple of ways to compare rate quotes from different El Paso insurance companies. The quickest method to lower the rate you pay for Chevy Silverado 3500HD insurance is to get quotes online.

Comparison shopping price quotes online is easy and it makes it a waste of time to drive around to insurance agents’ offices. Comparing Chevy Silverado 3500HD insurance rate quotes online eliminates the need for an insurance agent unless you have a complicated situation and need the extra assistance of an agent trained in personal lines coverage. Drivers can comparison shop online but purchase the actual policy in an agency. When quoting insurance, remember that obtaining a wide range of quotes provides better odds of finding more affordable insurance. Some smaller insurers do not give price estimates online, so it’s necessary to compare price quotes from them, too.

The companies shown below are ready to provide quotes in El Paso, TX. If multiple companies are listed, we recommend you compare several of them to get the most competitive price.

Chevy Silverado 3500HD coverage statistics

The price information below outlines different coverage prices for Chevy Silverado 3500HD models. Learning how insurance quotes are established is important for drivers to make smart choices when buying a car insurance policy.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rates do not factor in garaging location in El Paso which can increase or decrease premiums greatly.

Insurance deductibles

When buying insurance, a common question is how low should you set your deductibles. The rates shown below lay out the rate differences when you choose different physical damage deductibles. The first rate table uses a $250 deductible and the second pricing table uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Price estimates do not factor in garaging location in El Paso which can influence premium rates considerably.

Based on this data, using a $250 deductible costs roughly $19 more each month or $228 every year than buying the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you go at a minimum 13 months between claims, you would come out ahead if you opt for a higher deductible.

The chart below demonstrates how deductible levels and can change Chevy Silverado 3500HD insurance rates for different ages of insureds. The data assumes a single female driver, comprehensive and collision coverage, and no other discounts are factored in.

El Paso insurance discounts for a Chevy Silverado 3500HD

Companies offering auto insurance do not advertise the complete list of policy discounts very well, so the list below details both well-publicized and also the more inconspicuous credits available to bring down your rates. If they aren’t giving you every credit available, you are throwing money away.

• Discount for Good Grades – Getting good grades can save 20 to 25%. This discount can apply well after school through age 25.
• Save over 55 – Mature drivers can get better insurance rates.
• El Paso Homeowners Discount – Just being a homeowner may earn you a small savings since home ownership demonstrates responsibility.
• First Accident Forgiveness – Not a discount per se, but some companies like Allstate and Progressive will let one accident slide before they charge you more for coverage so long as you are claim-free for a particular time prior to the accident.
• Passive Restraints and Air Bags – Cars that have air bags can qualify for discounts up to 30%.
• Seat Belts Save more than Lives – Forcing all vehicle occupants to use a seat belt may be able to save a few bucks on medical payment and PIP coverage.

It’s important to understand that most discount credits are not given to the entire cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates adding up those discounts means a free policy, you’re out of luck.

The example below illustrates the comparison of Chevy Silverado 3500HD car insurance rates with and without discounts applied to the policy rates. The premiums assume a male driver, no tickets, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, homeowner, safe-driver, multi-car, and multi-policy discounts applied.

To find insurance companies with significant discounts in El Paso, follow this link.

Car insurance does more than just protect your car

Despite the high cost, buying car insurance is most likely required but also gives you several important benefits.

• The majority of states have minimum liability requirements which means it is punishable by state law to not carry specific limits of liability in order to license the vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you took out a loan on your Silverado 3500HD, most banks will require you to buy insurance to protect their interest in the vehicle. If you default on your policy, the bank or lender will purchase a policy for your Chevy for a much higher rate and force you to pay the higher premium.
• Insurance protects not only your Chevy but also your assets. It will also cover many types of medical costs for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.

The benefits of carrying adequate insurance definitely exceed the cost, especially when you need to use it. According to a 2015 survey, the average American driver is currently overpaying as much as $820 a year so compare rate quotes once a year at a minimum to ensure rates are competitive.

It’s not one size fits all

Always remember that when buying adequate coverage for your vehicles, there really is not a cookie cutter policy. Each situation is unique and your policy should reflect that.
Here are some questions about coverages that could help you determine whether or not you will benefit from professional help.

• When should I remove comp and collision on my Chevy Silverado 3500HD?
• I have good health insurance, so how much medical payments coverage do I need?
• What are the liability requirements in my state?
• If my Chevy Silverado 3500HD is totaled, can I afford another vehicle?
• Does low annual mileage earn a discount?
• Why am I required to buy high-risk coverage?
• What if I total my Chevy Silverado 3500HD and owe more than it’s worth?
• Is upholstery damage covered by car insurance?
• Are my custom wheels covered?
• What vehicles should carry emergency assistance coverage?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Comparing quotes from local El Paso car insurance agents

A small number of people still prefer to go talk to an agent and doing so can bring peace of mind One of the great benefits of comparing rate quotes online is the fact that you can find cheap insurance quotes and still have an agent to talk to.

To help locate an agent, after submitting this short form, your information is transmitted to local insurance agents in El Paso that can provide free El Paso car insurance quotes for your insurance coverage. You won’t even need to leave your computer because prices are sent immediately to your email address. Get lower rates and work with a local agent. If you need to get a rate quote for a specific company, feel free to find their quoting web page and complete a quote there.

Picking a provider is decision based upon more than just a cheap price. A good agent in El Paso will have answers to these questions.

• Does the quote include credit and driving reports?
• Can you choose the body shop in case repairs are needed?
• Does the agent recommend any additional coverage?
• Can glass claims be handled at your home?
• Can they give you a list of client referrals?
• Which company do they place the most coverage with?
• Are claim adjusters local or do you have to take your car somewhere else?
• Does the agency have a good rating with the Better Business Bureau?

Below are El Paso car insurance companies who can help you get price quotes for Chevy Silverado 3500HD insurance in El Paso.

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