Affordable Insurance for a Chevy Silverado 2500HD in Philadelphia

Would you like an easy way to compare cheaper Chevy Silverado 2500HD insurance in Philadelphia? Purchasing the lowest price Philadelphia Chevy Silverado 2500HD insurance quotes online might seem difficult for consumers who are beginners to quoting and buying insurance on the web. With such a large number of agents and insurers to choose from, how can anyone be able to compare every one to find better prices?

Sadly, most insurance buyers kept buying from the same company for a minimum of four years, and just short of a majority have never shopped around. Many consumers in Pennsylvania could save themselves up to 55% a year just by getting comparison quotes, but they just don’t want to shop their coverage around.

You should take the time to price shop coverage before your next renewal because insurance rates tend to go up over time. Just because you had the lowest premium rates on Chevy Silverado 2500HD insurance in Philadelphia a couple years back a different company probably has better prices today. Forget anything you know (or think you know) about insurance because it’s time to teach you the quickest way to find better rates and still maintain coverage.

If you currently have car insurance, you will most likely be able to reduce the price you pay using the techniques presented in this article. Quoting and buying more affordable car insurance policy in Philadelphia is not as difficult as people think. But Pennsylvania drivers do need to learn the way companies sell online and use this information to your advantage.

Most major insurance companies allow you to get price estimates directly from their websites. Comparing prices online for Chevy Silverado 2500HD insurance in Philadelphia is quite easy as you simply enter your personal and coverage information into a form. Once entered, their system gets information on your driving record and credit history and provides a quote based on the data you entered.

This makes it simple to compare prices and it’s very important to compare as many rates as possible if you want to get the cheapest auto insurance rates.

To find out what other companies charge, consider comparing rates from the companies shown below. If you have your current policy handy, we recommend you copy coverages and limits as shown on your current policy. Doing this guarantees you will be getting rate comparison quotes for exact coverage.

The following companies offer free rate quotes in Philadelphia, PA. If the list has multiple companies, it’s a good idea that you click on several of them to get a more complete price comparison.

Chevy Silverado 2500HD insurance statistics and information

The premium information below highlights estimates of insurance policy prices for Chevy Silverado 2500HD models. Learning more about how insurance quotes are calculated is important for you to make decisions on the best policy coverages.

Data based on 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-policy, safe-driver, multi-vehicle, and homeowner. Premium amounts do not factor in specific garaging location which can influence price quotes greatly.

Physical damage deductibles: Should you raise them?

The hardest decision when buying coverage is what deductibles to buy. The comparisons below approximate the cost difference when you select higher and lower policy deductibles. The first rate table uses a $250 physical damage coverage deductible and the second rate table uses a $500 deductible.

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

Using the data above, we can ascertain that using a $250 deductible costs an average of $16 more each month or $192 a year than choosing the higher $500 deductible. Because you would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at least 16 months between claims, you would come out ahead by selecting a higher deductible.

Why you need insurance for your vehicle

Despite the potentially high cost of Chevy Silverado 2500HD insurance, auto insurance serves several important purposes.

First, just about all states have minimum mandated liability insurance limits which means you are required to carry a minimum amount of liability coverage in order to drive the car legally. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you took out a loan on your vehicle, almost every bank will make it mandatory that you have full coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Chevy at a significantly higher premium and require you to fork over for the much more expensive policy.

Third, insurance protects not only your Chevy Silverado 2500HD but also your financial assets. Insurance will pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. Liability insurance also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If your Chevy gets damaged, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.

The benefits of carrying enough insurance greatly outweigh the cost, especially with large liability claims. According to a 2015 survey, the average American driver overpays as much as $869 every year so we recommend shopping around at every renewal to save money.

Learn How to Lower Your Insurance Prices

The best way to find cheaper car insurance is to take a look at some of the things that help calculate car insurance rates. When consumers understand what determines base rates, this empowers consumers to make smart changes that could result in lower car insurance prices.

Employer reflects on premiums – Do you have a high-stress occupation? Occupations like fire fighters, airline pilots, and stock brokers tend to have higher average rates in part from intense work situations and incredibly demanding work hours. Conversely, careers such as professors, engineers and retirees receive lower rates.

Drive less and get lower prices – The higher the mileage driven in a year the more it will cost to insure it. A lot of companies calculate rates based upon how much you drive. Autos used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. It’s a smart idea to ensure your vehicle rating reflects the right rating data. Having the wrong rating on your Silverado 2500HD may be wasting your money.

Only buy coverage you need – There are quite a few optional add-on coverages that you can buy if you aren’t careful. Things like personal injury protection, high-cost glass coverage, and motor club memberships are some examples. They may seem good initially, but if they’re wasting money eliminate them to save money.

Choose high NHTSA crash test ratings and save – Vehicles with good safety scores can get you lower premiums. Highly rated vehicles reduce injuries and better occupant protection translates directly to fewer claims passed on to you as lower rates. If the Chevy Silverado 2500HD scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.

Get cheaper Chevy Silverado 2500HD insurance in Philadelphia with discounts

Companies don’t always advertise every discount available in an easy-to-find place, so we break down both the well known as well as the least known credits that you can use to lower your rates.

• Early Switch Discount – Some companies reward drivers for switching to them early. This can save 10% or more.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn lower premium rates if you buy a life insurance policy as well.
• Driver Education Discount – Make teen driver coverage more affordable by requiring them to successfully take a driver’s education course if offered at their school.
• Telematics Data Discounts – Policyholders that allow their insurance company to scrutinize driving patterns by using a telematic data system such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if they are good drivers.
• Paper-free Discount – Some larger companies provide a small discount get Philadelphia auto insurance on the internet.
• Discounts for Federal Employees – Simply working for the federal government may qualify for a discount when you quote Philadelphia auto insurance with some car insurance companies.
• ABS Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control prevent accidents and qualify for as much as a 10% discount.

Drivers should understand that many deductions do not apply to the whole policy. A few only apply to specific coverage prices like comp or med pay. So even though you would think all the discounts add up to a free policy, it’s just not the way it works.

The diagram below shows the difference between Chevy Silverado 2500HD yearly insurance costs with and without discounts being applied to the rates. The data is based on a female driver, no claims or driving violations, Pennsylvania state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, safe-driver, homeowner, multi-car, and claim-free discounts applied.

If you would like to choose from a list of car insurance companies that provide some of the discounts listed above in Pennsylvania, click here to view.

Which is the best insurance?

When choosing coverage for your vehicles, there really is not a one size fits all plan. Each situation is unique so your insurance should reflect that
For instance, these questions might point out whether you might need professional guidance.

• Are rock chip repairs covered?
• Why do I only qualify for high-risk insurance?
• Do I have coverage if my license is suspended?
• When should I not buy collision coverage?
• Why am I be forced to buy a membership to get insurance from some companies?
• What is an SR-22 filing?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• What is the minimum liability in Pennsylvania?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Auto insurance agents are professional risk managers

Certain consumers just want to visit with an insurance agent and we recommend doing that One of the best bonuses of comparing rate quotes online is that drivers can save money and get cheap insurance rates and still have a local agent.

For easy comparison, once you complete this simple form, your insurance coverage information is sent to participating agents in Philadelphia who will give competitive quotes for your insurance coverage. It makes it easy because there is no need to even leave your home as quotes are delivered to you instantly. You can find the lowest rates and an insurance agent to talk to. In the event you want to compare rates from a specific company, just search and find their rate quote page and submit a quote form there.

Choosing an company requires more thought than just the quoted price. These are some questions your agent should answer.

• Will the agent help in case of a claim?
• What are their preferred companies if they are an independent agency?
• Can they give you a list of client referrals?
• Are they giving you every discount you deserve?
• How much experience to they have in personal lines coverages?

Compare rates from both independent and exclusive car insurance agents

If you would like to find a reliable agent, you need to know there are two types of insurance agents and how they work. Agents in Philadelphia are categorized either independent (non-exclusive) or exclusive.

Exclusive Insurance Agents

Agents that elect to be exclusive work for only one company such as Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents are unable to provide prices from multiple companies so you need to shop around if the rates are high. Exclusive agents are usually quite knowledgeable on their products and sales techniques and that allows them to sell at a higher price point. Some consumers prefer to buy from exclusive agents partially due to high brand loyalty rather than having the cheapest rates.

Shown below is a short list of exclusive insurance agencies in Philadelphia who may provide you with price quotes.

• Wanda Dancy – State Farm Insurance Agent
  2805 N 47th St, FL-1 – Philadelphia, PA 19131 – (215) 871-3390 – View Map
• Jerry Gregory – State Farm Insurance Agent
  2999 Welsh Rd – Philadelphia, PA 19152 – (215) 338-3313 – View Map
• Allstate Insurance: Bruce Datil
  4201 I St – Philadelphia, PA 19124 – (215) 288-7992 – View Map

More insurance agents

Independent Insurance Agents

Agents of this type are not locked into one company and that gives them the ability to insure with an assortment of companies and find you the best rates. If premiums increase, your agent can just switch to a different company and you stay with the same agent. When comparing rate quotes, you should always get several quotes from at a minimum one independent agency to maximize your price options. Most have the option of insuring with lesser-known insurance companies that many times have cheaper rates.

Below is a short list of independent agencies in Philadelphia that can give you comparison quotes.

• National Insurance Agency
  2414 Rhawn St – Philadelphia, PA 19152 – (215) 332-1100 – View Map
• Burg Insurance
  2707 Kirkbride St – Philadelphia, PA 19137 – (215) 744-4100 – View Map
• Kowalewski Jawork Insurance Agency Inc
  706 S 5th St – Philadelphia, PA 19147 – (215) 922-1222 – View Map

More insurance agents

After getting good responses to any questions you have and locked in a price quote, you have narrowed it down to an insurance agency that is reliable enough to service your policy. But remember, consumers can cancel coverage for any reason so don’t think that you’re stuck with any specific agency for the full policy term.

You can find affordable coverage

When searching for inexpensive Philadelphia auto insurance quotes, do not reduce needed coverages to save money. There are too many instances where drivers have reduced full coverage only to regret at claim time that the few dollars in savings costed them thousands. Your objective should be to buy a smart amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

Some insurance companies may not have the ability to get quotes online and most of the time these regional carriers sell through local independent agencies. More affordable insurance in Philadelphia is attainable both online in addition to many Philadelphia insurance agents, and you should compare rates from both so you have a total pricing picture.

Additional information is located on the following sites:

• How to Avoid Common Accidents (State Farm)
• Who Has Cheap Philadelphia Car Insurance Quotes for Drivers Under 21? (FAQ)
• Who Has Affordable Auto Insurance for a GMC Sierra in Philadelphia? (FAQ)
• Should I Buy a New or Used Car? (Allstate)
• Smart Auto Insurance Tips (Insurance Information Institute)
• Distracted Driving (Insurance Information Institute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Institute)