Chevy Silverado 3500HD Insurance Quotes in Seattle

Insurance rates Chevy Silverado 3500HD in SeattleSick and tired of robbing Peter to pay Paul to buy insurance? You are no different than many other people in Washington.

Amazlingly, a recent 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.

Chevrolet Silverado 3500HD Insurance Rates in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado 3500HD LT Crew Cab 4WD $182 $356 $354 $20 $106 $1,018 $85
Silverado 3500HD LT Extended Cab 4WD $226 $412 $376 $22 $112 $1,148 $96
Silverado 3500HD LT Crew Cab 2WD $152 $294 $334 $20 $100 $900 $75
Silverado 3500HD LTZ Crew Cab 2WD $178 $262 $304 $18 $90 $852 $71
Silverado 3500HD LT Crew Cab Diesel 2WD $284 $516 $398 $24 $120 $1,342 $112
Silverado 3500HD LTZ Crew Cab Diesel 2WD $152 $278 $282 $16 $84 $812 $68
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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.

Chevrolet Silverado 3500HD insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado 3500HD LT Crew Cab 4WD $286 $520 $368 $22 $110 $1,331 $111
Silverado 3500HD LT Extended Cab 4WD $286 $520 $368 $22 $110 $1,331 $111
Silverado 3500HD LT Crew Cab 2WD $286 $452 $294 $18 $88 $1,163 $97
Silverado 3500HD LTZ Crew Cab 2WD $316 $452 $294 $18 $88 $1,193 $99
Silverado 3500HD LT Crew Cab Diesel 2WD $316 $520 $294 $18 $88 $1,261 $105
Silverado 3500HD LTZ Crew Cab Diesel 2WD $316 $520 $294 $18 $88 $1,261 $105
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Chevrolet Silverado 3500HD insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado 3500HD LT Crew Cab 4WD $176 $328 $368 $22 $110 $1,004 $84
Silverado 3500HD LT Extended Cab 4WD $176 $328 $368 $22 $110 $1,004 $84
Silverado 3500HD LT Crew Cab 2WD $176 $284 $294 $18 $88 $860 $72
Silverado 3500HD LTZ Crew Cab 2WD $196 $284 $294 $18 $88 $880 $73
Silverado 3500HD LT Crew Cab Diesel 2WD $196 $328 $294 $18 $88 $924 $77
Silverado 3500HD LTZ Crew Cab Diesel 2WD $196 $328 $294 $18 $88 $924 $77
Get Your Own Custom Quote Go

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.

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.Cheaper auto insurance with discounts

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.

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.

Seattle insurance agentsTo 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.

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.

7721 Aurora Ave NSeattle, WA 98103(206) 782-5191View Map

5959 Martin Luther King Jr Way SSeattle, WA 98118(206) 725-8969View Map

2505 3rd Ave #120Seattle, WA 98121(206) 441-5630View Map

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.

2150 N 107th St # 460Seattle, WA 98133(206) 522-9200View Map

10301 Aurora Ave NSeattle, WA 98133(206) 408-5098View Map

3424 W McGraw StSeattle, WA 98199(206) 284-4886View Map

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.

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