Chevy Silverado 3500HD Insurance Quotes in Seattle

Sick and tired of robbing Peter to pay Paul to buy insurance? You are no different than many other people in Washington.

Amazlingly, a recent NerdWallet.com study showed that a large majority of drivers kept their coverage with the same insurance company for over three years, and virtually 40% of consumers have never quoted rates to find cheap coverage. Drivers in Washington could save an average of up to 40% each year just by shopping around, but most just don’t grasp the benefits if they just switched companies.

Because there are so many online and local companies to choose from, it is very difficult to pick the lowest price insurance provider.

Smart consumers take time to price shop coverage quite often because prices are constantly changing. Just because you found the lowest quotes on Chevy Silverado 3500HD insurance in Seattle last year there is a good chance you can find better rates now. Block out anything you think you know about insurance because you’re about to learn the best methods to get good coverage on Chevy Silverado 3500HD insurance in Seattle at a lower rate.

Finding the cheapest car insurance coverage in Seattle can initially seem challenging. If you have car insurance now, you will definitely be able to shop for the lowest rates using this strategy. But Washington consumers must know how the larger insurance companies market insurance on the web and take advantage of how the system works.

Low-cost car insurance in Seattle, WA

The providers in the list below provide quotes in Washington. If more than one company is shown, we suggest you visit two to three different companies to get the most competitive price.

Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Table data does not factor in specific zip code location which can change coverage rates significantly.

Policy deductible comparison

The diagram below demonstrates how choosing different deductibles and can impact Chevrolet Silverado 3500HD insurance costs for different age groups of insureds. Data assumes a single male driver, full physical damage coverage, and no discounts are factored in.

Does full coverage make sense?

The illustration below examines Chevrolet Silverado 3500HD car insurance rates with full coverage compared to only the Washington minimum liability coverage. The rate quotes are based on no accidents, no driving violations, $500 deductibles, single female driver, and no additional discounts are factored in.

Guidelines for dropping full coverage

There is no clear-cut formula of when to phase out physical damage coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let’s pretend your Chevrolet Silverado 3500HD replacement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $6,000 after the deductible is paid. If it’s costing in excess of $600 a year to have full coverage, then you may need to consider dropping full coverage.

There are some situations where dropping physical damage coverage is not a good idea. If you still have a lienholder on your title, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.

Rate comparison for different deductibles

A question often asked by Seattle drivers is which deductible level should you buy. The premium rates below can help illustrate the rate fluctuation between low and high physical damage coverage deductibles. The first set of prices uses a $250 deductible for physical damage and the second price grid uses a $1,000 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Premium costs do not factor in vehicle location which can modify rates significantly.

Using the premium rates above, we can conclude that using a $250 deductible costs roughly $27 more each month or $324 annually than quoting the higher $1,000 deductible. Because you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 28 months between claim filings, you would most likely save money if you elect the higher deductible.

Four Things That Influence Your Insurance Rates

Lots of factors are used in the calculation when you quote your car insurance policy. Some are pretty understandable like your driving record, although others are less obvious such as your marital status and annual miles driven.

• Women tend to be lower risk – Statistics have proven women are more cautious behind the wheel. This data doesn’t prove that females are better at driving than males. They both tend to get into fender benders at about the same rate, but males have costlier accidents. They also get cited for more serious violations like driving under the influence (DUI). Young males generally have the highest accident percentage so it costs more to insure them.
• Location can influence price – Being located in a small town has definite advantages when shopping for auto insurance. Fewer drivers corresponds to lower accident rates as well as less vandalism and auto theft. Drivers in populated Washington areas regularly have more auto accidents and more time behind the wheel. Longer commute distances statistically corresponds to a higher accident and claim rate.
• Drive less and pay lower prices – The more you drive annually the more it will cost to insure it. Many insurance companies charge to insure your cars based upon how much you drive. Vehicles that sit idle most of the time can get a lower rate than those used for commuting. It’s a good idea to make sure your insurance coverage properly reflects the right rating data, because it can save money. Having an incorrect usage rating on your Silverado 3500HD may be costing you.
• Too many insurance claims drive up premiums – If you file a lot of claims you can pretty much guarantee increased rates or even have your policy non-renewed. Companies in Washington award better rates to insureds who are claim-free. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.

Take policy discounts and save on Chevy Silverado 3500HD insurance in Seattle

Car insurance companies don’t always advertise all their discounts very well, so the list below contains both well-publicized as well as some of the hidden credits available to bring down your rates.

• Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes prevent accidents and the ABS can save up to 10%.
• Telematics Discount – Insureds who allow their auto insurance company to analyze vehicle usage by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if they are good drivers.
• Discount for Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems could see savings of 20 to 30 percent.
• Accident Forgiveness – Not really a discount, but some companies like GEICO, Progressive, and Allstate permit an accident without raising rates if you have no claims prior to being involved in the accident.
• Memberships – Affiliation with certain professional organizations may earn a discount when shopping for auto insurance.
• Multi-car Discount – Insuring primary and secondary vehicles with the same company may reduce the rate for each vehicle.
• Active Service Discounts – Being on active duty in the military could trigger a small discount.
• Sign Early and Save – Some companies provide a discount for switching to them prior to your current Silverado 3500HD insurance policy expiring. You can save around 10% with this discount.
• E-sign – Certain insurance companies may give you up to $50 for signing up online.

A little disclaimer on discounts, most credits do not apply to the whole policy. Most only cut the price of certain insurance coverages like liability and collision coverage. Just because you may think it’s possible to get free car insurance, companies wouldn’t make money that way.

A few popular companies and some of the discounts can be read below.

• State Farm may have discounts that include multiple policy, student away at school, accident-free, good driver, and safe vehicle.
• Liberty Mutual discounts include hybrid vehicle, good student, new vehicle discount, preferred payment discount, and multi-car.
• American Family offers discounts for accident-free, mySafetyValet, Steer into Savings, good driver, bundled insurance, good student, and defensive driver.
• Progressive has discounts for good student, multi-policy, multi-vehicle, online signing, online quote discount, homeowner, and continuous coverage.
• Farmers Insurance policyholders can earn discounts including homeowner, alternative fuel, pay in full, switch companies, teen driver, youthful driver, and mature driver.
• Auto-Owners Insurance may include discounts for safe vehicle, student away at school, multiple vehicles, paid in full, paperless, teen driver, and anti-lock brakes.
• SAFECO offers discounts including homeowner, anti-theft, multi-car, anti-lock brakes, and teen safe driver.

Before purchasing a policy, check with every company to give you their best rates. Some of the discounts discussed earlier may not apply in Seattle. If you would like to see a list of auto insurance companies that offer multiple discounts in Washington, click this link.

Local Seattle auto insurance agents and auto insurance

Some consumers just want to buy from a licensed agent and that is a personal choice. A good thing about comparing insurance prices online is you can get lower prices and still buy from a local agent.

To help locate an agent, after submitting this simple form, your insurance coverage information is submitted to participating agents in Seattle that provide free Seattle car insurance quotes for your business. You never need to drive around since price quotes are sent to you instantly. You can find lower rates and work with a local agent. In the event you want to compare rates from a specific auto insurance provider, don’t hesitate to navigate to their website and submit a quote form there.

Finding the right insurance company shouldn’t rely on just the quoted price. Below are some questions you should ask.

• Has the agent ever had any license suspensions?
• Can you get a list of referrals?
• Do you have coverage for a rental car if your vehicle is in the repair shop?
• Do they have a Better Business Bureau rating in Seattle?
• Is there a Errors and Omissions policy in force?
• Where are claims handled?
• If you have an accident, will your rates go up?

If you need to find a local agent, there are a couple of different agency structures and how they can quote your rates. Auto insurance agents in Seattle are either independent or exclusive.

Exclusive Agents

These agents can only provide pricing for a single company such as Allstate, State Farm and Farm Bureau. They are unable to provide prices from multiple companies so you might not find the best rates. These agents receive a lot of sales training on the products they sell which can be an advantage.

Listed below is a list of exclusive insurance agents in Seattle willing to provide price quotes.

More Seattle agents

Independent Insurance Agents

Independent agents can sell policies from many different companies so they can write business with an assortment of companies and help determine which has the cheapest rates. To move your coverage to a new company, the business is moved internally and that require little work on your part.

When comparing rate quotes, you will want to contact several independent insurance agents so that you can do a thorough price comparison.

Below are Seattle independent insurance agents willing to provide price quote information.

More Seattle agents

Don’t believe everything you hear

Companies like Progressive, GEICO, Allstate and State Farm seem to constantly run ads in print and on television. They all seem to advertise claims that you’ll save big if you switch your coverage. Is it even possible that every company can give you a better price on Chevy Silverado 3500HD insurance in Seattle? It’s all in how they say it.

Insurance providers have underwriting criteria for a prospective insured that earns them the most money. For instance, a profitable risk profile could possibly be over age 30, insures multiple vehicles, and drives less than 5,000 miles a year. Any customer who fits those characteristics will get very good Seattle premium rates and will also cut their rates substantially.

Potential customers who do not fit the “perfect” profile will probably be forced to pay a more expensive rate which results in the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “all people who quote” can save as much as they claim. That’s the way companies can truthfully state the savings. This emphasizes why drivers must compare free Seattle car insurance quotes often. It is impossible to predict the company that will fit your personal profile best.

Cheaper auto insurance is a realistic goal

When searching for affordable Chevrolet Silverado 3500HD insurance quotes, never sacrifice coverage to reduce premiums. There are too many instances where someone sacrificed comprehensive coverage or liability limits only to discover later that the savings was not a smart move. Your goal is to get the best coverage possible for the lowest cost, but don’t skip important coverages to save money.

Cheaper Chevy Silverado 3500HD insurance in Seattle is available on the web as well as from insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies do not provide online quoting and usually these regional insurance providers work with independent agencies.

Additional learning opportunities

• Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
• How Much are Seattle Auto Insurance Quotes for College Students? (FAQ)
• What Insurance is Cheapest for Safe Drivers in Seattle? (FAQ)
• What Insurance is Cheapest for a Toyota Corolla in Seattle? (FAQ)
• A Tree Fell on Your Car: Now What? (Allstate)
• What is Full Coverage? (Allstate)
• Steps to Take After an Auto Accident (Insurance Information Institute)