How to Save on Chevy Silverado 3500HD Insurance in Philadelphia

Searching for low-cost insurance for a Chevy Silverado 3500HD in Pennsylvania can be difficult, but you can use the following methods to find lower rates.

There is a better way to buy auto insurance so we’re going to tell you the quickest way to compare rates on a Chevy and get the cheapest rates from Philadelphia insurance agents and online providers.

If you have insurance now or are looking for a new policy, take advantage of these tips to reduce premiums without reducing protection. Comparing rates for the best protection in Philadelphia is not as hard as you may think. Smart buyers just need to learn the quickest method to compare insurance rates on the web.

Best companies for cheap Chevy Silverado 3500HD insurance in Pennsylvania

The following companies offer free quotes in Philadelphia, PA. If multiple providers are shown, we recommend you visit as many as you can to find the most competitive auto insurance rates.

Chevy Silverado 3500HD insurance analysis

The table shown next covers detailed analysis of insurance rates for Chevy Silverado 3500HD models. Learning how car insurance prices are established is important for you to make smart policy decisions.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Price information does not factor in Philadelphia location which can increase or decrease auto insurance rates considerably.

Deductible analysis

When buying car insurance, a common question is how high should the physical damage coverage deductibles be. The premium rates below help summarize the differences in premium rates when you select higher and lower physical damage deductibles. The first price estimate table uses a $250 physical damage coverage deductible and the second data table uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Estimates do not factor in specific garaging location which can alter premium rates substantially.

Based on the figures above, using a $250 deductible will cost you roughly $17 more each month or $204 annually than selecting the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally go more than 15 months between claims, you would probably come out ahead if you decide on a higher deductible.

One important caveat is that raising deductibles to get cheaper rates means you will have to cover more of the damage yourself if you have a claim. You should have enough extra money in order to pay the deductible to have repairs made.

The diagram below demonstrates how deductible levels and can impact Chevy Silverado 3500HD insurance prices for each different age group. The data is based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.

Cheaper rates with these discounts on Chevy Silverado 3500HD insurance in Philadelphia

Insuring your fleet can be pricey, but there may be some discounts to reduce the price significantly. Most are applied at quote time, but some need to be inquired about prior to receiving the credit.

• Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying in monthly installments you can avoid the installment charge.
• Seat Belt Usage – Drivers who require all occupants to buckle up before driving could cut 10% or more off the PIP or medical payment premium.
• Smart Student Discounts – This discount can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
• Federal Employees – Active or retired federal employment could provide a small rate reduction with some insurance companies.
• Low Mileage Discounts – Maintaining low annual mileage can qualify you for substantially lower prices.
• Anti-theft System – Cars that have factory anti-theft systems are less likely to be stolen and will save you 10% or more on Silverado 3500HD insurance in Philadelphia.
• ABS Braking Discount – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more on Silverado 3500HD insurance in Philadelphia.
• Early Renewal Discounts – A few companies give discounts for signing up prior to your current Silverado 3500HD insurance policy expiration. This can save 10% or more.
• Sign Online – Many companies will give you a small discount for signing up over the internet.

As is typical with insurance, some of the credits will not apply to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, it’s just not the way it works.

The example below illustrates the difference between Chevy Silverado 3500HD car insurance costs with and without discounts applied to the premium. The premiums are based on a male driver, no tickets, no at-fault accidents, Pennsylvania state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, safe-driver, homeowner, claim-free, and multi-policy discounts applied.

A partial list of companies that may offer some of the discounts shown above include:

• GEICO
• Mercury Insurance
• Farmers Insurance
• Auto-Owners Insurance
• Liberty Mutual
• SAFECO
• Progressive
• USAA

If you need lower rates, check with every prospective company which credits you are entitled to. Some discounts listed above might not be offered in Philadelphia. To locate insurers who offer insurance discounts in Pennsylvania, click here to view.

Smart Buyers Save Every Year

Part of the car insurance buying process is learning some of the factors that help determine the price you pay for car insurance. When you understand what determines base rates, this empowers consumers to make smart changes that can help you get lower rates.

Insurance rates in urban areas – Being located in a small town is a good thing when shopping for auto insurance. City drivers have to deal with more aggressive driving styles and much longer commute distances. Fewer drivers and short commutes means less chance of accidents as well as less vandalism and auto theft.

Low stress occupation equals lower rates – Did you know your career choice can influence rates? Careers such as doctors, executives, and stock brokers tend to pay the highest average rates due to high stress and long work hours. Conversely, careers like actors, historians and retirees have lower than average premiums.

Teenagers are high risk – Older, more experienced drivers tend to be more responsible, cost insurance companies less in claims, and are safer drivers. Youthful drivers are proven to be inattentive with other occupants in the car and because of this, their car insurance rates are much higher.

The following chart uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.

Higher physical damage deductibles save money – The deductibles you choose are how much you are willing to pay out-of-pocket if you file a covered claim. Physical damage protection, also called comprehensive and collision insurance, covers damage that occurs to your car. Some examples of covered claims would be a windshield broken by a bird, animal collisions, and damage from wind. The more damage repair cost the insured has to pay upfront, the lower your rates will be.

Insurance quotes from local Philadelphia insurance agencies

Certain consumers still prefer to sit down with an agent and we recommend doing that Professional insurance agents are trained risk managers and give you someone to call. A nice benefit of comparing insurance online is the fact that drivers can get the lowest rates and also buy local. Supporting neighborhood insurance agencies is definitely important in Philadelphia.

To make it easy to find an agent, after completing this form (opens in new window), your information is sent to participating agents in Philadelphia who can give free rate quotes for your coverage. There is no need to contact an agency since price quotes are sent to you instantly. If for some reason you want to compare rates for a specific company, you just need to search and find their rate quote page and give them your coverage information.

Multiple types of auto insurance agents in Philadelphia

If you want to use a local Philadelphia insurance agency, there are two types of agencies that you can select. Insurance agencies may be either independent or exclusive depending on the company they work for. Either can sell insurance policies, but it’s good to learn why they differ since it can impact which agent you choose.

Independent Agencies or Brokers

Agents that choose to be independent do not work for one specific company so they can quote policies with lots of companies and potentially find a lower price. If you are not satisfied with one company, the agent simply finds a different carrier and you don’t have to do anything.

If you need lower rates, we recommend you include price quotes from multiple independent agents so that you have a good selection of quotes to compare. They also have the ability to place coverage with smaller regional carriers which can be an advantage.

Featured below is a list of independent agencies in Philadelphia who can help you get pricing information.

• K and A Insurance Agency
  5520 Wayne Ave – Philadelphia, PA 19144 – (215) 991-4900 – View Map
• The Gannon Insurance Agency Inc
  2704 Street Rd – Bensalem, PA 19020 – (215) 891-9990 – View Map
• HandM Insurance Agency
  5829 Rising Sun Ave – Philadelphia, PA 19120 – (215) 745-8001 – View Map

View more Philadelphia agents

Exclusive Insurance Agencies

Agents that elect to be exclusive can only quote rates from one company and some examples include Allstate, Farmers Insurance or State Farm. Exclusive agents cannot compare other company’s rates so they really need to provide good service. Exclusive agencies receive a lot of sales training on the products they sell which helps them sell insurance even at higher premiums. Consumers sometimes purchase coverage from exclusives partially due to the brand name and solid financial strength.

Listed below are Philadelphia exclusive insurance agencies who can help you get rate quotes.

• Brian Madalion – State Farm Insurance Agent
  7208 Ogontz Ave – Philadelphia, PA 19138 – (215) 549-4900 – View Map
• Trish Floyd – State Farm Insurance Agent
  7706 Castor Ave – Philadelphia, PA 19152 – (215) 725-3000 – View Map
• Paul Hoffman – State Farm Insurance Agent
  2655 S 12th St – Philadelphia, PA 19148 – (215) 389-4737 – View Map

View more Philadelphia agents

Selecting an insurance agency should depend on more than just a cheap price quote. A good agent in Philadelphia will have answers to these questions.

• Are they giving you every discount you deserve?
• How long have they worked with personal auto insurance coverage?
• Is the coverage adequate for your vehicle?
• How much will you save each year by using a higher deductible?
• Do they review policy coverages at every renewal?
• What insurance company do they write the most business with?

Find affordable rates by being thorough

Drivers who switch companies do it for any number of reasons including denial of a claim, extreme rates for teen drivers, policy non-renewal or an unsatisfactory settlement offer. Whatever your reason, finding a new company is actually quite simple.

Throughout this article, we presented many ways to find cheap Chevy Silverado 3500HD insurance in Philadelphia. The key concept to understand is the more quotes you get, the higher the chance of saving money. You may even find the lowest premium rates come from a company that doesn’t do a lot of advertising.

As you shop your coverage around, you should never reduce coverage to reduce premium. There are too many instances where an accident victim reduced physical damage coverage and discovered at claim time that the savings was not a smart move. Your objective should be to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.

More resources

• Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
• How Much is Philadelphia Auto Insurance for Teachers? (FAQ)
• Who Has Affordable Philadelphia Auto Insurance Quotes for Uber Drivers? (FAQ)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Top Signs Your Brakes are Giving Out (State Farm)