7 Shopping Tips Proven to Lower Chevy Silverado 2500 Car Insurance Rates in Nevada
Nevada shoppers have options when shopping for affordable Chevy Silverado 2500 insurance. You can either waste hours contacting agents to compare prices or leverage the internet to get rate quotes.
There is a right way and a wrong way to compare car insurance rates and we’ll show you the quickest way to get price quotes for a Chevy and get the cheapest rates.
If you currently have a car insurance policy, you should be able to cut costs considerably using this information. This information will introduce you to how to effectively get price quotes. Although Nevada consumers do need to know the way insurance companies compete online and apply this information to your search.
Car Insurance Comparison Rates in Nevada
There are multiple methods you can shop for car insurance but there is one way that is easier and takes less work. You can waste a lot of time driving to insurance companies in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.
All the larger companies belong to an insurance system where insurance shoppers submit one quote, and every company can give them a price based on that data. This system prevents you from having to do quote requests to each individual car insurance company.
To find out what other companies charge click here to start a free quote.
The single downside to getting quotes like this is you cannot specify the providers you want to price. If you prefer to choose specific providers to compare prices, we have a listing of companies who write car insurance in Nevada. Click to view list.
However you get your quotes, compare identical quote information on every quote you get. If you are comparing different values for each quote it will be impossible to make an equal comparison. Just a small difference in insurance coverages can result in a big premium difference. It’s important to know that obtaining a wide range of quotes helps you find better pricing.
Don’t miss these seven discounts
Insuring your vehicles can cost a lot, buy you may qualify for discounts that many people don’t even know exist. Some discounts apply automatically when you get a quote, but less common discounts must be specifically requested prior to getting the savings.
- Student in College – Any of your kids who are attending college and don’t have a car may qualify for this discount.
- Own a Home – Owning a house may trigger a car insurance policy discount because owning a home is proof that your finances are in order.
- Defensive Driving Course – Taking part in a defensive driving course could possibly earn you a 5% discount if you qualify.
- Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
- Payment Method – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
- Fewer Miles Equal More Savings – Low mileage vehicles can earn a substantially lower rate.
- Lower Rates for Military – Having a family member in the military can result in better rates.
It’s important to note that most discount credits are not given to the overall cost of the policy. Most only reduce specific coverage prices like medical payments or collision. So when the math indicates you would end up receiving a 100% discount, car insurance companies aren’t that generous. But any discount will reduce your overall premium however.
For a list of insurers with discount car insurance rates in Nevada, click here.
Car insurance specifics
Having a good grasp of car insurance can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.
Protection from uninsured/underinsured drivers
This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.
Since many Nevada drivers only carry the minimum required liability limits (15/30/10 in Nevada), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.
Medical expense insurance
Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like nursing services, hospital visits and pain medications. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
Collision coverage protection
Collision coverage will pay to fix damage to your Silverado 2500 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims like sustaining damage from a pot hole, damaging your car on a curb and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.
Coverage for liability
This coverage provides protection from injuries or damage you cause to other people or property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.
Liability coverage pays for claims such as funeral expenses, emergency aid, court costs, legal defense fees and loss of income. How much coverage you buy is your choice, but you should buy as high a limit as you can afford. Nevada state minimum liability requirements are 15,000/30,000/10,000 but drivers should carry higher limits.
Comprehensive (Other than Collision)
This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like hitting a deer, damage from a tornado or hurricane, damage from flooding and damage from getting keyed. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Best coverage at the best price
Drivers leave their current company for a variety of reasons including an unsatisfactory settlement offer, lack of trust in their agent, extreme rates for teen drivers and poor customer service. It doesn’t matter why you want to switch finding a great new company can be easy and end up saving you some money.
Cheap Chevy Silverado 2500 insurance can be sourced from both online companies in addition to many Nevada insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies do not provide online quoting and these regional insurance providers work with independent agents.
In this article, we covered a lot of techniques to lower your Chevy Silverado 2500 insurance rates. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the lowest premiums are with a small local company.
More information can be read on the Nevada Division of Insurance website. Click here for link. Consumers can view a list of available companies, read enforcement actions against agents and companies, and discover disciplinary actions.
The following information may also be useful.