Feel like you're a prisoner to overpriced Chevy Silverado 3500HD insurance in Atlanta? Believe me, there are lots of Atlanta residents who feel the same.
Unthinkable but true, the vast majority of auto insurance customers have purchased from the same company for over three years, and approximately 40% of consumers have never shopped around. With the average premium in Georgia being $1,720, drivers can save as much as $959 each year by just comparing rate quotes, but they don't know how much money they would save if they switched to a more affordable policy.
There are many auto insurance companies to purchase coverage from, and although it's a good thing to have a choice, too many choices makes it more difficult to find the best rates for Chevy Silverado 3500HD insurance in Atlanta.
You need to quote other rates on a regular basis because auto insurance prices change quite often. If you had the best deal on Chevy Silverado 3500HD insurance in Atlanta six months ago you can probably find a better rate quote now. You can search a lot of Silverado 3500HD insurance on the web, but in just a couple of minutes you can learn some great ideas on how to lower your auto insurance bill.
The most recommended method to compare policy rates for Chevy Silverado 3500HD insurance in Atlanta is to know all the major auto insurance companies participate in online systems to give you rate quotes. The one thing you need to do is give them some information including types of safety features, what you do for a living, if you lease or own, and how much education you have. Your rating data is instantly submitted to multiple top-rated companies and you receive quotes within a short period of time.
To check rates for your Chevy Silverado 3500HD now, click here and complete the quick form.
The following companies are ready to provide price comparisons in Georgia. If multiple providers are shown, we recommend you compare several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Silverado 3500HD LT Crew Cab 4WD||$328||$688||$462||$28||$138||$1,644||$137|
|Silverado 3500HD LT Extended Cab 4WD||$182||$362||$462||$28||$138||$1,172||$98|
|Silverado 3500HD LT Crew Cab 2WD||$436||$604||$516||$30||$154||$1,740||$145|
|Silverado 3500HD LTZ Crew Cab 2WD||$224||$372||$414||$24||$124||$1,158||$97|
|Silverado 3500HD LT Crew Cab Diesel 2WD||$336||$644||$476||$28||$142||$1,626||$136|
|Silverado 3500HD LTZ Crew Cab Diesel 2WD||$324||$576||$370||$22||$110||$1,402||$117|
|Get Your Own Custom Quote Go|
Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Table data does not factor in specific Atlanta garaging location which can alter rates noticeably.
Car insurance premiums based on gender
The information below compares Chevrolet Silverado 3500HD auto insurance rates for male and female drivers. The premiums assume no claims or violations, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no policy discounts are applied.
Car insurance deductibles
The example below shows how choosing a deductible and can raise or lower Chevrolet Silverado 3500HD insurance prices for each different age group. The premium estimates are based on a single male driver, full physical damage coverage, and no discounts are applied.
Don't neglect these premium slashing discounts
Car insurance can cost a lot, but there are discounts available that can help lower your rates. Some of these discounts will be visible at quote time, but some discounts are required to be asked for before you will receive the discount. If you don't get every credit you deserve, you could be saving more on your insurance.
- Good Student - Getting good grades can save 20 to 25%. This discount can apply up to age 25.
- Telematics Devices - Drivers who elect to allow driving data collection to track vehicle usage through the use of a telematics system like In-Drive from State Farm and Progressive's Snapshot may see discounts if they are good drivers.
- 55 and Retired - Drivers over the age of 55 can possibly qualify for a slight reduction on a Atlanta auto insurance quote.
- Online Discount - Certain companies provide a small discount for completing your application on the internet.
- Military Deployment Discount - Being deployed in the military may qualify for rate reductions.
- Clubs and Organizations - Affiliation with qualifying clubs or civic groups may earn a discount when getting a Atlanta auto insurance quote.
As a footnote on discounts, most discount credits are not given to the whole policy. Most only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like it's possible to get free car insurance, nobody gets a free ride.
Larger insurance companies and a partial list of their discounts are outlined below.
- Farm Bureau may have discounts that include 55 and retired, safe driver, good student, driver training, and youthful driver.
- MetLife offers premium reductions for good student, claim-free, defensive driver, good driver, multi-policy, accident-free
- Progressive has discounts for multi-policy, online quote discount, homeowner, continuous coverage, multi-vehicle, and online signing.
- AAA has savings for good student, AAA membership discount, anti-theft, multi-policy, good driver, and pay-in-full.
- American Family discounts include good student, defensive driver, bundled insurance, accident-free, Steer into Savings, multi-vehicle, and good driver.
- GEICO offers discounts including anti-lock brakes, anti-theft, daytime running lights, multi-policy, and defensive driver.
- State Farm may include discounts for driver's education, accident-free, Steer Clear safe driver discount, anti-theft, student away at school, and safe vehicle.
When quoting, ask all the companies how you can save money. Some discounts listed above may not be offered in Atlanta. To find insurance companies that offer some of these discounts in Atlanta, follow this link.
Compare rate quotes but work with a local Atlanta insurance agency
Certain consumers just prefer to sit down with an agent and we recommend doing that One of the great benefits of getting free rate quotes online is you can get lower rates and still buy from a local agent. And buying from small agencies is especially important in Atlanta.
Upon completion of this simple form, your insurance coverage information is submitted to agents in your area that provide free Atlanta auto insurance quotes for your car insurance coverage. You don't have to visit any agencies as quotes are delivered directly to you. It's the lowest rates without the usual hassles of price shopping. If you have a need to get a rate quote for a specific company, you can always jump over to their website to submit a rate quote request.
If you would like to find a good insurance agency, there are two types of insurance agents and how they work. Atlanta agents are classified as either exclusive or independent.
Independent Insurance Agents
Agents that elect to be independent are not employed by any specific company so they have the ability to put coverage with a variety of different insurance companies and find the cheapest car insurance rates. If your agent finds better pricing, an independent agent can move your coverage and you can keep the same agent.
If you need lower rates, you will want to compare quotes from independent agents in order to compare the most rates.
Shown below are independent agents in Atlanta who can help you get rate quotes.
Agents that elect to be exclusive normally can only provide a single company's rates such as Allstate, State Farm and Farm Bureau. Exclusive agents cannot compare rates from other companies so they have no alternatives for high prices. These agents are usually quite knowledgeable on their company's products which helps them compete with independent agents.
Shown below are exclusive agents in Atlanta that can give you price quote information.
Picking an insurance agency shouldn't rely on just a cheap price quote. Agents should be asked these questions:
- Do the companies they represent have a solid financial rating?
- Are they actively involved in the community?
- Are they properly licensed to sell insurance in Georgia?
- How long has their agency been open in Atlanta?
- Do they receive special compensation for putting your coverage with one company over another?
- Does the company use OEM repair parts?
After getting good feedback for all questions you ask as well as low cost Chevrolet Silverado 3500HD insurance quotes, it's possible that you found a car insurance agent that will insure your vehicles. Keep in mind consumers can terminate your policy any time you want so don't assume you're contractually obligated to your new company for the full policy term.
Different people need different insurance coverages
When selecting coverage online or from an agent, there really is no one-size-fits-all type of policy. Your situation is unique.
Here are some questions about coverages that may help highlight if your insurance needs will benefit from professional help.
- I have a DUI can I still get coverage?
- Am I covered when driving someone else's vehicle?
- Which companies will insure high-risk drivers?
- Am I covered if I break a side mirror?
- Does my car insurance cover rental cars?
- Is my Chevy Silverado 3500HD covered if I use it for business?
- Do I pay less if my vehicle is kept in my garage?
If you're not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.
Why Informed Consumers Pay Less for Chevy Silverado 3500HD Insurance
Multiple criteria are part of the calculation when pricing auto insurance. Most are fairly basic like a motor vehicle report, although some other factors are not as apparent like where you live or your commute time. The best way to find cheaper insurance is to take a look at some of the elements that help determine the price you pay for insurance. When you understand what impacts premium levels, this enables informed choices that can earn you lower rates.
The items below are some of the major factors that factor into your premiums.
Safer cars cost less to insure - Cars with high safety ratings tend to be cheaper to insure. These vehicles reduce occupant injuries and fewer serious injuries means less money paid by your insurance company and lower rates for you.
Your career may increase rates - Did you know your insurance rates can be affected by your occupation? Occupations like lawyers, business owners and financial analysts tend to pay higher rates than average due to high stress and lengthy work days. Other jobs like professors, engineers and the unemployed pay the least.
Stay claim-free and lower premiums - If you are the type of insured that files lots of claims you can look forward to higher rates. Auto insurance companies in Georgia award most affordable rates to people that do not abuse their auto insurance. Your car insurance is designed for more catastrophic claims.
Your credit rating is important - Your credit rating is a large factor in calculating your insurance rates. If your credit score is not that good, you could be paying less to insure your Chevrolet Silverado 3500HD by improving your rating. Drivers with high credit ratings tend to be more responsible than those with lower ratings.
How many coverages with the same company - The majority of companies provide discounts to customers that purchase more than one policy such as combining an auto and homeowners policy. Even with this discount, it's always a smart idea to shop around to make sure you are getting the best deal.
Choosing the best Silverado 3500HD insurance in Georgia is an important decision
Despite the fact that auto insurance is not cheap in Atlanta, maintaining insurance is required in Georgia but also provides important benefits.
First, the majority of states have mandatory insurance requirements which means state laws require a specific minimum amount of liability insurance coverage in order to license the vehicle. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you bought your car with a loan, it's most likely the lender will have a requirement that you carry insurance to protect their interest in the vehicle. If the policy lapses, the bank may buy a policy for your Chevy for a much higher rate and force you to reimburse them the higher price.
Third, insurance protects your Chevy Silverado 3500HD and your assets. It will also reimburse you for many types of medical costs incurred in an accident. Liability insurance will also pay for a defense attorney if you are sued as the result of an accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will cover the repair costs.
The benefits of carrying adequate insurance definitely exceed the price paid, particularly when you have a large claim. The average driver in America is overpaying over $855 a year so you should quote rates at least once a year to ensure rates are inline.
Lower rates by being persistent
We've covered a lot of tips how to shop for Chevy Silverado 3500HD insurance online. It's most important to understand that the more quotes you get, the higher the chance of saving money. You may even be surprised to find that the best car insurance rates are with the least-expected company.
Some insurance companies may not offer the ability to get a quote online and many times these small insurance companies sell through independent agents. Cheaper insurance in Atlanta can be bought both online and from local agencies, and you need to comparison shop both to get a complete price analysis.
People change insurance companies for many reasons like extreme rates for teen drivers, high rates after DUI convictions, lack of trust in their agent or even delays in responding to claim requests. No matter why you want to switch, choosing a new company is pretty simple and you could end up saving a buck or two.
More information can be read below:
- Distracted Driving Statistics (Insurance Information Institute)
- How Much is Car Insurance After a Speeding Ticket in Atlanta? (FAQ)
- Credit and Insurance Scores (Insurance Information Institute)
- Safety Tips for Teen Drivers (Insurance Information Institute)
- Credit Impacts Car Insurance Rates (State Farm)
- Keeping Children Safe in Crashes Video (iihs.org)