Save on Chevy Silverado 3500HD Insurance in Los Angeles

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Discount Chevy Silverado 3500HD insuranceDo you want a faster way to compare more competitive insurance rates in Los Angeles, CA? Los Angeles drivers have a choice when trying to find low-cost Chevy Silverado 3500HD insurance. They can either spend hours struggling with agents to get rate comparisons or use the internet to compare rates. There are more efficient ways to compare insurance rates and you need to know the best way to quote coverages on a Chevy and find the lowest price from both online companies and Los Angeles agents.

Amazingly, a recent study showed that a large majority of insurance policyholders have been with the same company for at least four years, and just short of a majority have never compared rate quotes at all. Most drivers in Los Angeles could cut their rates by as much as $500 a year just by shopping around, but they just assume it's a time-consuming process to compare rates and save money.

Lowering your auto insurance rates is actually easier than you may think. You just have to spend a few minutes comparing price quotes to discover which company has low cost Los Angeles auto insurance quotes.

The companies shown below provide quotes in Los Angeles, CA. If multiple companies are listed, it's highly recommended you click on several of them to get the best price comparison.

Save money with these premium slashing discounts

Some companies don't always list every discount very clearly, so the following is a list of a few of the more common and the more hidden savings tricks you should be using when you buy Los Angeles auto insurance online.Save money with discounts

  • Good Driver Discounts - Safe drivers can pay as much as 50% less than drivers with accident claims.
  • Accident Waiver - Not necessarily a discount, but companies like State Farm and GEICO will forgive one accident without raising rates so long as you haven't had any claims for a specific time period.
  • No Accidents - Insureds with no claims or accidents get the best car insurance rates as compared to drivers who are more careless.
  • Student Discount for Driver Training - Cut your cost by having your teen driver successfully take a driver's education course as it will make them better drivers and lower rates.
  • Government Employee Discount - Active or retired federal employment can save as much as 8% with certain companies.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like all those discounts means the company will pay you, car insurance companies aren't that generous.

The diagram below illustrates the comparison of Chevy Silverado 3500HD car insurance rates with and without discounts being applied to the rates. The rates are based on a female driver, no claims, a clean driving record, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-policy, claim-free, homeowner, and multi-car discounts applied.

Large car insurance companies and a summarized list of policyholder discounts are detailed below.

  • GEICO discounts include driver training, five-year accident-free, federal employee, military active duty, defensive driver, and membership and employees.
  • Auto-Owners Insurance may have discounts that include good student, teen driver, multi-policy, anti-lock brakes, and group or association.
  • American Family policyholders can earn discounts including defensive driver, multi-vehicle, TimeAway discount, early bird, and accident-free.
  • Esurance has discounts for anti-theft, homeowner, DriveSense, safety device, and online shopper.
  • Progressive offers discounts including good student, homeowner, online quote discount, multi-vehicle, continuous coverage, multi-policy, and online signing.
  • State Farm offers discounts for accident-free, Drive Safe & Save, driver's education, defensive driving training, Steer Clear safe driver discount, and multiple autos.
  • AAA may offer discounts for anti-theft, pay-in-full, multi-car, good student, and good driver.

Before buying, ask each insurance company to apply every possible discount. All car insurance discounts may not apply to policies in Los Angeles. To find insurance companies with the best discounts in California, follow this link.

Data for Chevy Silverado 3500HD insurance

The rate table shown next highlights estimates of insurance costs for Chevy Silverado 3500HD models. Having knowledge of how policy rates are determined is important to be able to make informed coverage decisions.

Chevrolet Silverado 3500HD Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado 3500HD LT Crew Cab 4WD $348 $630 $552 $32 $166 $1,728 $144
Silverado 3500HD LT Extended Cab 4WD $348 $630 $552 $32 $166 $1,728 $144
Silverado 3500HD LT Crew Cab 2WD $348 $546 $442 $26 $132 $1,494 $125
Silverado 3500HD LTZ Crew Cab 2WD $384 $546 $442 $26 $132 $1,530 $128
Silverado 3500HD LT Crew Cab Diesel 2WD $384 $630 $442 $26 $132 $1,614 $135
Silverado 3500HD LTZ Crew Cab Diesel 2WD $384 $630 $442 $26 $132 $1,614 $135
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Table data does not factor in garaging location in Los Angeles which can impact price quotes substantially.

Can higher deductibles save money?

One common question asked by Los Angeles drivers is how low should you set your deductibles. The comparisons below can help you visualize the differences in premium rates between low and high comp and collision deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second price grid uses a $1,000 deductible.

Chevrolet Silverado 3500HD insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado 3500HD LT Crew Cab 4WD $430 $780 $552 $32 $166 $1,985 $165
Silverado 3500HD LT Extended Cab 4WD $430 $780 $552 $32 $166 $1,985 $165
Silverado 3500HD LT Crew Cab 2WD $430 $678 $442 $26 $132 $1,733 $144
Silverado 3500HD LTZ Crew Cab 2WD $474 $678 $442 $26 $132 $1,777 $148
Silverado 3500HD LT Crew Cab Diesel 2WD $474 $780 $442 $26 $132 $1,879 $157
Silverado 3500HD LTZ Crew Cab Diesel 2WD $474 $780 $442 $26 $132 $1,879 $157
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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 $266 $490 $552 $32 $166 $1,506 $126
Silverado 3500HD LT Extended Cab 4WD $266 $490 $552 $32 $166 $1,506 $126
Silverado 3500HD LT Crew Cab 2WD $266 $426 $442 $26 $132 $1,292 $108
Silverado 3500HD LTZ Crew Cab 2WD $292 $426 $442 $26 $132 $1,318 $110
Silverado 3500HD LT Crew Cab Diesel 2WD $292 $490 $442 $26 $132 $1,382 $115
Silverado 3500HD LTZ Crew Cab Diesel 2WD $292 $490 $442 $26 $132 $1,382 $115
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Price information does not factor in vehicle garaging location which can lower or raise coverage rates greatly.

Based on the figures above, using a $250 deductible costs approximately $39 more each month or $468 annually across all Chevrolet Silverado 3500HD models than choosing the higher $1,000 deductible. Because you would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 19 months between claims, you would probably be better off if you opt for a higher deductible.

How much more does full coverage cost?

The information below visualizes the comparison of Chevy Silverado 3500HD annual premium costs with liability coverage only compared to full coverage. The rates are based on no tickets, no at-fault accidents, $250 deductibles, single status, and no discounts are applied to the premium.

When to stop paying for full coverage

There is no clear-cut rule for excluding full coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is more than around 10% of replacement cost minus your deductible, then you might consider buying liability only.

For example, let's assume your Chevy Silverado 3500HD book value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $5,000 after paying your policy deductible. If you are currently paying more than $500 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some conditions where only buying liability is not advised. If you haven't satisfied your loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Good Decisions Result in Lower Insurance Costs

Lots of things are used when quoting car insurance. A few of the factors are predictable like an MVR report, but others are more obscure such as whether you are married or your vehicle rating.

  • Drive a fast car and pay more - The performance level of the vehicle you are buying insurance for makes a huge difference in determining your rates. Small economy passenger cars generally have the cheapest insurance rates, but other factors influence the final cost greatly.

    The data below assumes a married male driver age 50, full coverage with $250 deductibles, and no discounts or violations. The data compares Chevrolet Silverado 3500HD insurance rates compared to other makes and models that have a range of performances.

  • Single drivers take more risk - Your spouse helps lower the price compared to being single. Having a spouse generally demonstrates drivers are more responsible and insurance companies like that being married results in fewer claims.
  • Does auto insurance cost more for men? - Over the last 50 years, statistics have shown that women are safer drivers than men. Now that doesn't mean men are WORSE drivers than women. Both genders are in accidents in similar percentages, but males have costlier accidents. Men also tend to get more serious tickets like DUI and reckless driving.

    The chart below illustrates the comparison of Chevy Silverado 3500HD insurance premiums for male and female drivers. The data is based on no claims, a clean driving record, full coverage, $100 deductibles, single marital status, and no additional discounts are factored in.

  • Raise deductibles and save - The deductibles state the amount of money the insured will be required to pay in the event of a claim. Protection for physical damage, also called 'full coverage', is used to repair damage to your car. Some examples of covered claims would be collision with another vehicle, damage caused by hail, and damage caused by road hazards. The more damage repair cost the insured has to pay upfront, the less your insurance will be.
  • Use credit responsibly and save - Having a good credit score will be a significant factor in your rate calculation. Consumers who have high credit ratings tend to be less risk to insure than those with bad credit. If your credit could use some work, you may save money insuring your Chevrolet Silverado 3500HD by spending a little time repairing your credit.
  • Responsible drivers have lower rates - Careful drivers pay less for auto insurance as compared to careless drivers. Getting just one chargeable violation can bump up the cost twenty percent or more. Drivers unfortunate enough to have serious tickets like reckless driving, hit and run or driving under the influence may face state-mandated requirements to complete a SR-22 with the DMV in their state in order to legally drive.

    The illustration below shows how traffic citations and accident claims can influence Chevy Silverado 3500HD insurance costs for each different age category. The rate quotes are based on a married female driver, comp and collision included, $250 deductibles, and no discounts are factored in.

Compare rate quotes but buy from a local Los Angeles insurance agency

A small number of people just want to buy from a local agent and that is recommended in a lot of cases Good agents are highly skilled in risk management and help submit paperwork. The biggest benefit of comparing car insurance online is the fact that drivers can get cheap car insurance rates and still have a local agent.

Upon completion of this quick form, your information is submitted to companies in Los Angeles who will gladly provide quotes for your coverage. It simplifies rate comparisons since you won't have to find an agent because prices are sent to you directly. If you have a need to get a comparison quote from a specific car insurance provider, don't hesitate to search and find their rate quote page to submit a rate quote request.

Finding a good provider shouldn't rely on just the price. These questions are important to ask:

  • How much will you save each year by using a higher deductible?
  • Do they write coverage based solely on cost?
  • Will you work with the agent or an assistant?
  • How are they compensated?
  • What is the financial rating for the quoted company?
  • Which company do they place the most coverage with?

Shown below are Los Angeles insurance companies who can help you get price quote information for Chevy Silverado 3500HD insurance in Los Angeles.

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One last thing about your coverage

Cheaper Chevy Silverado 3500HD insurance in Los Angeles can be sourced online and from local insurance agents, so you need to quote Los Angeles auto insurance with both to have the best chance of lowering rates. Some insurance providers do not provide price quotes online and these smaller providers work with independent agents.

We just showed you a lot of ways to find cheaper Chevy Silverado 3500HD insurance in Los Angeles. The key concept to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Drivers may even discover the best prices are with a lesser-known regional company.

Insureds who switch companies do it for a number of reasons such as not issuing a premium refund, policy non-renewal, high prices and questionable increases in premium. It doesn't matter why you want to switch finding a new company is less work than it seems.

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