Chevy Silverado 3500HD Insurance Quotes in Lubbock

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Chevy Silverado insurance image courtesy of QuoteInspector.com

Discount Chevy Silverado 3500HD insuranceIf you want to find the absolute lowest rates, then the best way to get affordable car insurance rates is to regularly compare prices from companies that insure vehicles in Lubbock. Prices can be compared by following these guidelines.

First, try to learn a little about what coverages are included in your policy and the things you can control to keep rates in check. Many policy risk factors that result in higher rates like accidents, traffic tickets, and a poor credit score can be improved by improving your driving habits or financial responsibility.

Second, request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from one company like Progressive or State Farm, while independent agents can provide rate quotes from multiple insurance companies. Click to view companies

Third, compare the quotes to your current policy premium and see if there is a cheaper rate in Lubbock. If you can save some money and buy the policy, make sure there is no coverage gap between policies.

One important bit of advice is to use the same amount of coverage on each quote request and and to get prices from every company you can. Doing this enables an accurate price comparison and the best price selection.

It's an obvious assumption that auto insurance companies don't want their policyholders to compare prices. Consumers who compare rates once a year are highly likely to buy a different policy because there is a significant possibility of finding a policy with more affordable rates. Surprisingly, a recent survey revealed that drivers who compared rates once a year saved about $865 annually as compared to drivers who never shopped around for better prices.

If finding budget-friendly rates on car insurance is why you're here, then learning a little about how to find and compare auto insurance can help simplify the task of finding more affordable coverage.

If you have coverage now or just want to save money, use these money-saving tips to buy cheaper insurance without sacrificing coverage. Obtaining price quotes for more affordable coverage in Lubbock is not as difficult as people think. Smart buyers just have to understand how to shop their coverage around instantly.

Getting a cheap price on insurance is an easy way to save money. You just have to invest a few minutes getting comparison quotes provided by online insurance companies.

The providers in the list below can provide free quotes in Lubbock, TX. To locate cheap auto insurance in Lubbock, we suggest you visit two to three different companies to find the most competitive auto insurance rates.

Car insurance just makes sense

Even though Lubbock Silverado 3500HD insurance rates can get expensive, paying for car insurance serves several important purposes.

  • Almost all states have mandatory insurance requirements which means the state requires specific minimum amounts of liability protection in order to get the vehicle licensed. 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 Chevy, it's guaranteed your bank will force you to carry insurance to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the lender may insure your Chevy at an extremely high rate and make you pay the higher premium.
  • Car insurance preserves both your Chevy and your assets. It will also reimburse you for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. Liability insurance, one of your policy coverages, also covers legal expenses if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.

The benefits of carrying enough insurance are definitely more than the cost, especially when you need to use it. Today the average American driver overpays as much as $830 a year so we recommend shopping around each time the policy renews to be sure current rates are still competitive.

Statistics and details

The information displayed below highlights estimates of rate quotes for Chevy Silverado 3500HD models. Having a good grasp of how insurance quotes are figured can be valuable when making smart choices when buying a car insurance policy.

Chevrolet Silverado 3500HD Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado 3500HD LT Crew Cab 4WD $422 $672 $624 $36 $186 $1,940 $162
Silverado 3500HD LT Extended Cab 4WD $422 $672 $624 $36 $186 $1,940 $162
Silverado 3500HD LT Crew Cab 2WD $422 $584 $500 $30 $150 $1,686 $141
Silverado 3500HD LTZ Crew Cab 2WD $466 $584 $500 $30 $150 $1,730 $144
Silverado 3500HD LT Crew Cab Diesel 2WD $466 $672 $500 $30 $150 $1,818 $152
Silverado 3500HD LTZ Crew Cab Diesel 2WD $466 $672 $500 $30 $150 $1,818 $152
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Table data does not factor in specific location information which can influence price quotes considerably.

Physical damage deductibles

When comparing insurance rates, the most common question is which deductibles should you choose. The premium rates below may help to illustrate the costs and benefits of buying low and high policy deductibles. The first data table uses a $100 deductible and the second pricing table uses a $1,000 deductible.

Chevrolet Silverado 3500HD insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado 3500HD LT Crew Cab 4WD $412 $804 $476 $28 $142 $1,887 $157
Silverado 3500HD LT Extended Cab 4WD $412 $804 $476 $28 $142 $1,887 $157
Silverado 3500HD LT Crew Cab 2WD $412 $698 $382 $22 $114 $1,653 $138
Silverado 3500HD LTZ Crew Cab 2WD $454 $698 $382 $22 $114 $1,695 $141
Silverado 3500HD LT Crew Cab Diesel 2WD $454 $804 $382 $22 $114 $1,801 $150
Silverado 3500HD LTZ Crew Cab Diesel 2WD $454 $804 $382 $22 $114 $1,801 $150
Get Your Own Custom Quote Go
Chevrolet Silverado 3500HD insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado 3500HD LT Crew Cab 4WD $228 $424 $476 $28 $142 $1,298 $108
Silverado 3500HD LT Extended Cab 4WD $228 $424 $476 $28 $142 $1,298 $108
Silverado 3500HD LT Crew Cab 2WD $228 $368 $382 $22 $114 $1,114 $93
Silverado 3500HD LTZ Crew Cab 2WD $252 $368 $382 $22 $114 $1,138 $95
Silverado 3500HD LT Crew Cab Diesel 2WD $252 $424 $382 $22 $114 $1,194 $100
Silverado 3500HD LTZ Crew Cab Diesel 2WD $252 $424 $382 $22 $114 $1,194 $100
Get Your Own Custom Quote Go

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

Using the data above, we can ascertain that using a $100 deductible will cost you roughly $48 more each month or $576 annually than buying the higher $1,000 deductible. Since you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 19 months between claim filings, you would save more money going with the higher deductible. Below is the way this calculation is made.

Average monthly premium for $100 deductibles: $149
Average monthly premium for $1,000 deductibles (subtract): - $101
Monthly savings from raising deductible: $48
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $48
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

The example below highlights how deductible choice and can impact Chevy Silverado 3500HD insurance premiums for different categories of driver ages. The data assumes a married female driver, comprehensive and collision coverage, and no other discounts are factored in.

Earn discounts on Lubbock insurance

Some insurance providers don't always publicize all available discounts very clearly, so the following is a list of a few of the more well known and the more hidden savings tricks you should be using when you buy Lubbock car insurance online.Discount insurance

  • ABS and Traction Control Discounts - Cars and trucks that have anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Auto/Home Discount - If you insure your home and vehicles and insure them both with the same insurance company you could get a discount of nearly 15% which can help you find cheap Silverado 3500HD insurance.
  • Online Discount - A few larger online companies will give you a small discount simply for signing online.
  • Lubbock Homeowners Pay Less - Being a homeowner can save you money since owning and maintaining a home requires personal responsibility.
  • Discounts for Seat Belt Usage - Requiring all passengers to use their safety belts can save 10% or more on medical payment and PIP coverage.
  • Discounts for Federal Employees - Simply working for the federal government could provide a small rate reduction depending on your insurance provider.
  • College Student - Any of your kids who attend college more than 100 miles from Lubbock and leave their car at home may qualify for this discount.
  • Multi-Vehicle Discounts - Drivers who insure multiple cars or trucks on a single policy qualifies for this discount.
  • Discounts for Responsible Drivers - Drivers who don't get into accidents can save up to 40% or more on their Lubbock car insurance quote as compared to drivers with claims.

Policy discounts save money, but most of the big mark downs will not be given to the whole policy. Most cut individual premiums such as liability and collision coverage. So when the math indicates all the discounts add up to a free policy, nobody gets a free ride.

The chart below illustrates the difference between Chevy Silverado 3500HD yearly insurance costs with and without discounts applied to the policy premium. The information is based on a male driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, safe-driver, claim-free, marriage, and multi-car discounts applied.

Large insurance companies and a summarized list of policyholder discounts can be read below.

  • GEICO offers discounts including defensive driver, emergency military deployment, five-year accident-free, multi-vehicle, and good student.
  • Auto-Owners Insurance may offer discounts for group or association, student away at school, paperless, air bags, anti-theft, company car, and safe driver.
  • American Family policyholders can earn discounts including bundled insurance, air bags, mySafetyValet, good driver, accident-free, and multi-vehicle.
  • Esurance includes discounts for good driver, claim free, multi-car, good student, online quote, renters, and emergency road assistance.
  • Progressive has savings for online quote discount, online signing, homeowner, good student, multi-vehicle, continuous coverage, and multi-policy.
  • State Farm may include discounts for driver's education, good driver, safe vehicle, student away at school, anti-theft, and Steer Clear safe driver discount.
  • AAA may have discounts that include multi-car, AAA membership discount, good driver, good student, education and occupation, and multi-policy.

When getting a coverage quote, ask each company which discounts they offer. Discounts may not apply to policies in every state. To locate insurers who offer cheap Chevy Silverado 3500HD insurance quotes in Lubbock, click here to view.