Affordable Insurance for a Chevy Silverado 3500HD in Nashville

The most effective way to find the cheapest price for Chevy Silverado 3500HD insurance is to compare prices at least once a year from providers who sell auto insurance in Nashville.

• Step 1: Spend a few minutes and learn about how auto insurance works and the modifications you can make to prevent expensive coverage. Many risk factors that result in higher prices such as speeding tickets, careless driving and an imperfect credit history can be eliminated by making small lifestyle or driving habit changes. Later in this article we will cover more ideas to keep prices down and get bigger discounts.
• Step 2: Request price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO or State Farm, while agents who are independent can provide prices for a wide range of insurance providers.
• Step 3: Compare the new quotes to your existing rates to determine if switching companies saves money. If you can save some money and make a switch, verify that coverage does not lapse between policies.

One piece of advice is that you use identical coverage information on every quote and and to get rate quotes from as many auto insurance providers as possible. This enables a fair rate comparison and the best price selection.

Shockingly, most car insurance customers have stayed with the same insurance company for over three years, and practically 40% of car insurance customers have never quoted car insurance rates at all. Consumers in Tennessee can cut their rates by approximately $500 a year by just shopping around, but most undervalue the amount of savings they would get if they switch to a new company.

Many insurance companies like Progressive, GEICO, Allstate and State Farm allow consumers to get insurance quotes from their websites. Doing online price comparisons for Chevy Silverado 3500HD insurance in Nashville is quite simple as you just enter the coverage amounts you desire into the quote form. Once you submit the form, the system orders your driving record and credit report and gives you a price quote. Using the web to get rates for Chevy Silverado 3500HD insurance in Nashville makes it easy to compare insurance prices and it is important to have as many quotes as possible in order to get the lowest possible payments on car insurance.

To compare rates now, compare rates now from the companies shown below. If you have coverage now, it’s recommended you enter deductibles and limits as close as possible to your current policy. This guarantees you will have a price comparison for similar coverage.

The companies shown below can provide price quotes in Tennessee. If multiple companies are listed, we suggest you click on several of them to find the lowest car insurance rates.

Don’t overlook these nine Chevy Silverado 3500HD insurance discounts

The price of auto insurance can be rather high, but you may qualify for discounts that can dramatically reduce your bill. Some trigger automatically at the time of quoting, but a few must be specially asked for in order for you to get them. If you do not double check each discount possible, it’s possible you qualify for a lower rate.

• Low Mileage – Low annual miles can qualify you for lower rates on the low mileage vehicles.
• Air Bag Discount – Vehicles with factory air bags may get savings of 20% or more.
• Discount for Swiching Early – A few car insurance companies allow discounts for signing up prior to the expiration date on your current Silverado 3500HD insurance policy. You can save around 10% with this discount.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a lower car insurance rate if you buy some life insurance too.
• Good Students Pay Less – Getting good grades may save as much as 25% on a Nashville auto insurance quote. The discount lasts well after school through age 25.
• ABS Brakes – Cars and trucks that have steering control and anti-lock brakes can avoid accidents so you can save 10 percent or more.
• Full Payment Discount – By paying your policy upfront rather than paying monthly you could save up to 5%.
• Discount for Multiple Policies – If you have multiple policies with the same insurance company you may earn over 10 percent off each policy depending on the company.
• Defensive Driver Discount – Completing a driver safety class could earn you a small percentage discount and easily recoup the cost of the course.

A little disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only reduce the price of certain insurance coverages like medical payments or collision. Just because you may think you can get free auto insurance, insurance companies wouldn’t stay in business. But any discount will reduce your overall premium however.

The example below shows the comparison of Chevy Silverado 3500HD auto insurance rates with and without discounts applied to the policy premium. The premiums assume a male driver, no accidents or driving violations, Tennessee state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, multi-policy, homeowner, marriage, and safe-driver discounts applied.

A few popular companies and the discounts they provide are:

• Farm Bureau discounts include multi-vehicle, 55 and retired, renewal discount, good student, multi-policy, and driver training.
• MetLife policyholders can earn discounts including good student, multi-policy, accident-free, claim-free, good driver, and defensive driver.
• Progressive may include discounts for continuous coverage, multi-policy, homeowner, multi-vehicle, online signing, and online quote discount.
• AAA may have discounts that include multi-policy, anti-theft, good driver, good student, education and occupation, multi-car, and pay-in-full.
• American Family offers discounts for good driver, bundled insurance, air bags, early bird, defensive driver, accident-free, and mySafetyValet.
• GEICO includes discounts for driver training, daytime running lights, anti-theft, multi-vehicle, and defensive driver.
• State Farm may offer discounts for driver’s education, accident-free, multiple autos, anti-theft, and safe vehicle.

Before purchasing a policy, check with every company which discounts you qualify for. Some of the discounts discussed earlier may not be offered in your area.

Insurance coverage analysis

The coverage information shown below showcases estimates of insurance premium costs for Chevy Silverado 3500HD models. Having a good grasp of how premiums are formulated can benefit drivers when making informed purchases.

Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Premium amounts do not factor in garaging location in Nashville which can modify premium rates substantially.

Deductible comparison

One of the most common car insurance questions is how high should the deductibles for physical damage be. The tables below may help you to understand the price difference between high and low insurance deductibles. The first data set uses a $250 physical damage coverage deductible and the second price table uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Premium amounts do not factor in specific garaging location which can impact price quotes greatly.

Based on the data above, we can derive that using a $250 deductible will cost in the ballpark of $27 more each month or $324 every year averaged for all Silverado 3500HD models than choosing the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you have at least 28 months between claims, you would probably come out ahead if you choose a higher deductible. The illustration below shows the way you can decide this on your own policy.

One thing to be aware of is that a higher deductible means you will have to pay more when you file a claim. You will want to have enough extra money in the event you have to pay the higher deductible in order to repair your vehicle.

How violations and accidents impact rates

The example below highlights how speeding tickets and at-fault fender-benders drive up Chevy Silverado 3500HD insurance prices for different age groups. The costs are based on a married female driver, full coverage, $100 deductibles, and no additional discounts are factored in.

Car insurance cost for men versus women in Nashville

The illustration below illustrates the comparison of Chevy Silverado 3500HD car insurance rates for male and female drivers. The rates are based on no claims or driving citations, comp and collision included, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.

Auto insurance company ratings

Insuring your vehicle with the right car insurance company is difficult considering how many choices you have in Nashville. The rank data in the lists below may help you choose which coverage providers you want to consider buying from.

Top 10 Nashville Car Insurance Companies Ranked by Customer Service

1. USAA
2. Travelers
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Safeco Insurance
7. Progressive
8. State Farm
9. The Hartford
10. The General

Top 10 Nashville Car Insurance Companies by A.M. Best Rank

1. Travelers – A++
2. USAA – A++
3. GEICO – A++
4. State Farm – A++
5. Erie Insurance – A+
6. Titan Insurance – A+
7. Esurance – A+
8. Progressive – A+
9. Nationwide – A+
10. The Hartford – A+