Best Ways to Save on Long Beach Chevy Silverado 2500HD Insurance

Smart shoppers know that car insurance companies want to keep you from comparing prices. Insureds who compare rates annually are highly likely to switch companies because there are good odds of finding a more affordable policy. A recent auto insurance study revealed that drivers who compared rates once a year saved approximately $72 a month compared to drivers who never compared prices.

If finding budget-friendly car insurance in Long Beach is why you’re here, then learning a little about how to compare insurance premiums can help you succeed in finding affordable rates.

The recommended way to find affordable car insurance rates is to make a habit of comparing prices annually from different companies that insure vehicles in Long Beach. This can be done by following these steps.

First, try to learn a little about how car insurance works and the steps you can take to prevent expensive coverage. Many rating factors that increase rates like speeding tickets, careless driving and a negative credit history can be amended by making minor changes to your lifestyle.

Second, quote rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like Progressive or State Farm, while independent agents can give you price quotes from multiple companies. Click to view companies

Third, compare the new rate quotes to your existing policy to see if cheaper Silverado 2500HD coverage is available in Long Beach. If you find a lower rate quote, make sure there is no lapse between the expiration of your current policy and the new one.

Fourth, provide notification to your current company to cancel your current auto insurance policy. Submit a down payment along with a signed application for the new coverage. Don’t forget to keep your new certificate of insurance with the vehicle registration.

The most important part of this process is to compare the same amount of coverage on every quote and and to get quotes from all possible companies. This helps ensure a fair price comparison and the best price selection.

If you are already insured, you will most likely be able to get lower rates using these tips. Finding affordable car insurance coverage in Long Beach is not that difficult. But California vehicle owners must learn how companies set your policy premium because rates are impacted by many factors.

Get cheaper Chevy Silverado 2500HD insurance in Long Beach with discounts

Companies offering auto insurance don’t always advertise the entire discount list in a way that’s easy to find, so the following is a list of a few of the more common in addition to some of the lesser obvious credits that may apply to you.

• Military Deployment Discount – Having a family member in the military could mean lower insurance rates.
• Onboard Data Collection – Drivers who elect to allow data collection to look at where and when they drive through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot may see discounts if they show good driving skills.
• Defensive Driver – Taking a defensive driver course can save you 5% or more and easily pay for the cost of the class.
• Long Beach Homeowners Pay Less – Simply owning a home can get you a discount because maintaining a house requires a higher level of personal finance.
• Sign Online – Some larger companies will give you a small discount simply for signing on the web.
• Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to use their safety belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• Anti-theft System – Cars and trucks equipped with anti-theft or alarm systems can help prevent theft and can earn a small discount on your policy.
• Discounts for New Vehicles – Buying a new car instead of a used Silverado 2500HD can cost up to 25% less due to better safety requirements for new model year vehicles.
• Low Mileage Discounts – Fewer annual miles on your Chevy may enable drivers to earn better rates on cars that stay parked.
• Good Student – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.

It’s important to understand that most discount credits are not given to the entire policy premium. Some only apply to specific coverage prices like comp or med pay. So even though it sounds like all those discounts means the company will pay you, you aren’t that lucky.

The chart below illustrates the difference between Chevy Silverado 2500HD insurance prices with and without policy discounts. The premiums assume a male driver, no tickets, no at-fault accidents, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, multi-policy, marriage, safe-driver, and claim-free discounts applied.

Large insurance companies and a partial list of their discounts are shown below.

• The Hartford offers discounts including driver training, anti-theft, air bag, vehicle fuel type, bundle, defensive driver, and good student.
• American Family offers discounts for defensive driver, Steer into Savings, good driver, early bird, good student, and mySafetyValet.
• Progressive may offer discounts for multi-vehicle, continuous coverage, multi-policy, good student, and homeowner.
• Travelers may have discounts that include save driver, multi-policy, IntelliDrive, student away at school, and hybrid/electric vehicle.
• Farmers Insurance has discounts for homeowner, business and professional, multi-car, bundle discounts, distant student, and switch companies.
• USAA policyholders can earn discounts including good student, vehicle storage, driver training, military installation, new vehicle, defensive driver, and safe driver.
• Liberty Mutual may include discounts for newly married, multi-car, hybrid vehicle, teen driver discount, new move discount, good student, and preferred payment discount.

Before purchasing a policy, check with every insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts might not be offered everywhere. To choose providers that offer the discounts shown above in California, click this link.

The best way we recommend to compare rate quotes for Chevy Silverado 2500HD insurance in Long Beach is to take advantage of the fact most insurance companies provide online access to give rate comparisons. All you need to do is provide the companies a bit of rating information such as how you use your vehicles, if you lease or own, how much education you have, and if you’re married. Your information is then sent to multiple companies and you should receive rate quotes quickly.

To compare affordable Chevy Silverado 2500HD insurance rates now, click here and find out if you can get cheaper insurance in Long Beach.

The companies shown below offer price quotes in Long Beach, CA. If multiple companies are listed, we suggest you visit two to three different companies to get a more complete price comparison.

Data for Chevy Silverado 2500HD insurance

The table shown next showcases estimates of insurance premium costs for Chevy Silverado 2500HD models. Having a better idea how insurance policy rates are established can help you make decisions on which insurance to purchase.

Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Estimates do not factor in vehicle location which can alter insurance rates significantly.

How high should deductibles be?

A question often asked by Long Beach drivers is how high should the physical damage coverage deductibles be. The following tables may help you to understand how much more you’ll pay when you buy lower versus higher coverage deductibles. The first set of rates uses a $100 deductible and the second price grid uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Information does not factor in specific garaging location which can raise or lower coverage rates noticeably.

Using the data above, we can ascertain that using a $100 deductible will cost you roughly $37 more each month or $444 annually averaged for all Silverado 2500HD models than opting for the higher $500 deductible. Since you would have to pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you have at least 11 months between claim filings, you would save money by going with a higher deductible.

The illustration below shows how choosing a deductible and can increase or decrease Chevy Silverado 2500HD premium costs for each age group. The price estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are applied.

Rate comparison of full coverage and liability-only

The diagram below shows the comparison of Chevy Silverado 2500HD insurance premiums with full physical damage coverage compared to only buying liability only. The prices are based on no violations or accidents, $250 deductibles, drivers are not married, and no additional discounts are factored in.

When to stop buying physical damage coverage

There isn’t a steadfast formula of when to exclude full coverage, but there is a general convention. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.

For example, let’s pretend your Chevy Silverado 2500HD replacement cost is $6,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $5,000 after the deductible is paid. If you are paying more than $500 a year for your policy with full coverage, then you might want to think about dropping full coverage.

There are some scenarios where dropping full coverage is not a good plan. If you haven’t satisfied your loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

Choices You Make Can Impact Your Insurance Rates

Lots of things are taken into consideration when you quote your car insurance policy. Some of the criteria are obvious such as traffic violations, although some other factors are not as apparent like where you live or how safe your car is. Smart consumers have a good feel for a few of the rating criteria that are used to determine the price you pay for car insurance. If you have a feel for what controls the rates you pay, this allows you to make good choices that can earn you big savings.

The list below includes a partial list of the pieces used by companies to determine rates.

Vocation stress can affect premiums – Did you know your job can affect your rates? Occupations such as real estate brokers, business owners, and accountants generally pay the highest rates in part from intense work requirements and long work days. On the other hand, jobs like farmers, historians and retirees have lower than average premiums.

Pay more of a claim out-of-pocket – Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Chevy from damage. Some examples of covered claims would be collision with another vehicle, damage from fire, and having your car stolen. Deductibles for physical damage are how much you are willing to pay before your car insurance pays a claim. The higher the amount you pay before a claim is paid (deductible), the less your company will charge you for insurance.

Frequent claims will cost you more – Companies in California award lower rates to people who do not file claims often. If you are a frequent claim filer, you can look forward to either higher rates or even cancellation. Auto insurance is meant to be used in the event of more catastrophic claims.

Why do you need liability protection? – Liability insurance kicks in if ever you are found to be at fault for damages from an accident. It provides legal defense coverage which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so drivers should carry high limits.

Obey driving laws and save – Getting just one citation may cause rates to rise twenty percent or more. Attentive drivers tend to pay less for car insurance as compared to careless drivers. Drivers who have received flagrant violations such as DWI, reckless driving or hit and run convictions may be required to maintain a SR-22 with their state’s licensing department in order to prevent a license revocation.

The example below shows how traffic citations and at-fault collisions drive up Chevy Silverado 2500HD insurance prices for different age groups. The information is based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

Get cheaper prices after the wedding – Walking down the aisle may cut your premiums compared to being single. Having a spouse means you’re more stable financially and it’s statistically proven that being married results in fewer claims.

There’s no such thing as the perfect insurance policy

When selecting insurance from an agent or online, there really isn’t a “best” method to buy coverage. Your situation is unique.

These are some specific questions may help highlight if you would benefit from professional advice.

• Exactly who is provided coverage by my policy?
• Which is better, split liability limits or combined limits?
• Do I pay less if my vehicle is kept in my garage?
• Does coverage extend to a rental car in a foreign country?
• When should I remove my kid from my policy?
• Does insurance cover tools stolen from my truck?
• Who sells insurance for high-risk drivers?
• Do I have coverage if I rent a car in Mexico?
• Am I covered if I break a side mirror?
• Will my Chevy Silverado 2500HD be repaired with OEM or aftermarket parts?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form.

Shop online but buy locally

Many people just want to buy from a local agent and that is a personal choice. A nice benefit of getting free rate quotes online is you can get cheap rate quotes and still have an agent to talk to. Supporting local agencies is still important in Long Beach.

Upon completion of this simple form, the quote information is instantly submitted to insurance agents in Long Beach who will give you bids for your business. You won’t need to do any legwork due to the fact that quote results will go directly to you. You can find better rates without requiring a lot of work. If you have a need to quote rates from a specific auto insurance provider, feel free to find their quoting web page to submit a rate quote request.

Auto insurance agents in Long Beach come in two varieties

If you need to find a good insurance agency, you need to know there are two different agency structures and how they can write your policy. Auto insurance policy providers can be described as either exclusive or independent (non-exclusive).

Independent Auto Insurance Agencies or Brokers

Agents of this type do not have single company limitations so they can quote policies with an assortment of companies and potentially find a lower price. To move your coverage to a new company, the agent simply finds a different carrier without you having to go to a different agency.

If you are trying to find cheaper rates, you definitely need to get insurance quotes from several independent agencies to get the best comparison.

The following is a partial list of independent agencies in Long Beach who can help you get free price quotes.

More Long Beach agents

Exclusive Insurance Agents

These type of agents can only provide pricing for a single company such as American Family, State Farm, and Allstate. Exclusive agents cannot give you multiple price quotes so it’s a take it or leave it situation. Exclusive agents are highly trained on sales techniques which can be an advantage.

Shown below are exclusive insurance agencies in Long Beach who can help you get price quote information.

More Long Beach agents

Finding the right auto insurance agent should depend on more than just the price. Here are some questions you should ask.

• Do you qualify for any additional discounts?
• Are aftermarket or OEM parts used to repair vehicles?
• Do they prorate repair cost based on vehicle mileage?
• Are there any hidden costs in their price quote and does it include driving and credit history?
• Is there a Errors and Omissions policy in force?
• Are they in the agency full-time?
• Will the agent help in case of a claim?

Auto insurance protects more than just your car

Even though it can be expensive, insuring your vehicle may be required for several reasons.

• The majority of states have mandatory liability insurance requirements which means you are required to buy a minimum amount of liability insurance coverage in order to be legal. In California 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.
• If you have a lien on your Chevy, almost every bank will require that you have physical damage coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the lender will be forced to insure your Chevy at an extremely high rate and require you to fork over the higher premium.
• Insurance safeguards both your car and your assets. It also can pay for medical expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also covers all legal expenses up to the policy limit in the event you are sued. If mother nature or an accident damages your car, your auto insurance policy will pay to repair the damage minus the deductible amount.

The benefits of insuring your Silverado 2500HD outweigh the cost, especially if you ever need it. According to a recent study, the average American driver overpays more than $869 every year so it’s very important to do a rate comparison at least once a year to ensure rates are competitive.

Shop smart and save

As you go through the steps to switch your coverage, it’s a bad idea to buy poor coverage just to save money. In too many instances, consumers will sacrifice liability coverage limits only to regret that it was a big mistake. The goal is to buy a smart amount of coverage at the best price, not the least amount of coverage.

Consumers leave their current company for many reasons like policy cancellation, unfair underwriting practices, questionable increases in premium or even an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding the right car insurance provider is pretty easy and you might even save some money in the process.

We just covered a lot of techniques to compare Chevy Silverado 2500HD insurance prices in Long Beach. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the most savings is with a smaller regional carrier.

To read more, feel free to browse the resources below:

• All About Airbag Safety (State Farm)
• Who Has Cheap Auto Insurance for Veterans in Long Beach? (FAQ)
• How Much are Car Insurance Quotes for Drivers with a DUI in Long Beach? (FAQ)
• Who Has Affordable Auto Insurance Quotes for Nurses in Long Beach? (FAQ)
• State Laws for Cellphones and Texting (iihs.org)
• Understanding Limits and Deductibles (Allstate)
• Your Car has been Stolen: Now What? (Allstate)
• Teen Driving Statistics (GEICO)