If saving money is your primary concern, then the best way to find low-cost prices for Chevy Silverado 3500HD insurance is to make a habit of comparing prices annually from insurers that insure vehicles in San Francisco.
- Get an understanding of the coverage provided by your policy and the things you can control to prevent rate increases. Many rating criteria that are responsible for high rates like accidents, careless driving, and an unacceptable credit score can be controlled by making lifestyle changes or driving safer. Keep reading for more details to help find cheaper rates and find possible discounts that are available.
- Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like GEICO or Allstate, while agents who are independent can provide rate quotes from multiple sources. Select a company
- Compare the new rate quotes to the premium of your current policy and determine if cheaper Silverado 3500HD coverage is available in San Francisco. If you can save money and switch companies, make sure there is no lapse in coverage.
A valuable tip to remember is to compare similar coverage information on each quote request and and to get rates from as many companies as you can. Doing this enables an accurate price comparison and the best price selection.
Astonishing but true, almost 70% of drivers kept buying from the same company for more than four years, and about 40% of consumers have never taken the time to shop around. Many consumers in California could save about 35% each year just by comparing rates, but they don’t believe the big savings they would realize if they switched.
How to Lower Your Insurance Costs
When buying car insurance it’s important to understand some of the elements that help determine the level of your policy premiums. If you have some idea of what determines premiums, this enables informed choices that can help you get better car insurance rates. Lots of factors are part of the equation when premium rates are determined. Some factors are common sense such as traffic violations, but other factors are more obscure like your continuous coverage or how safe your car is.
The list below includes a few of the things used by your company to calculate your prices.
- Drive fewer miles and save – The more you drive in a year’s time the more you will pay for car insurance. Almost all companies rate vehicles based upon how you use the vehicle. Autos that have low annual miles receive lower rates as compared to vehicles used primarily for driving to work. Make sure your car insurance declarations sheet reflects the correct usage for each vehicle. An improperly rated Silverado 3500HD can cost quite a bit.
- If you don’t need it don’t buy it – Insurance companies have many extra coverages you can purchase if you aren’t careful. Coverages like rental car coverage, better glass coverage, and term life insurance are some examples. They may seem like a good idea when buying your policy, but if you don’t need them remove them and pocket the money.
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Teen drivers are expensive to insure – Inexperience drivers are statistically proven to be careless and easily distracted behind the wheel so car insurance rates are higher. More experienced drivers have been proven to be more responsible, are lower risk to insure, and are safer drivers.
The next chart uses these assumptions: single driver, full coverage with $250 deductibles, and no discounts or violations.
- Lower stress equals lower rates – Occupational choices like military generals, social workers, and stock brokers are shown to have the highest rates in part from intense work-related stress and lengthy work days. On the flip side, jobs like farmers, athletes and retirees pay lower than average rates.
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Males pay higher prices – Over time, data shows that females take fewer risks when driving. This data doesn’t prove that females are better drivers. Men and women have accidents in similar percentages, but the males cause more damage. Men also get ticketed for serious violations like driving under the influence (DUI).
The information below compares Chevy Silverado 3500HD insurance costs for male and female drivers. The information is based on no accidents or driving violations, full coverage, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
To find the best auto insurance rates, there are several ways to compare prices from different San Francisco insurance companies. The quickest method to do a complete rate comparison is to use the internet to compare rates. It’s important to know that comparing more rates from different companies increases the chance that you will find the best rates. Some regional insurers cannot provide online rate quotes, so you also need to get price estimates from them, too.
The car insurance companies shown below can provide price comparisons in San Francisco, CA. If more than one company is shown, we recommend you get price quotes from several of them to get the best price comparison.
Analysis of coverages
The coverage information shown next covers a range of insurance costs for Chevy Silverado 3500HD models. Learning more about how auto insurance policy rates are established can aid in making smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 3500HD LT Crew Cab 4WD | $370 | $764 | $624 | $36 | $186 | $1,980 | $165 |
| Silverado 3500HD LT Extended Cab 4WD | $370 | $764 | $624 | $36 | $186 | $1,980 | $165 |
| Silverado 3500HD LT Crew Cab 2WD | $370 | $664 | $500 | $30 | $150 | $1,714 | $143 |
| Silverado 3500HD LTZ Crew Cab 2WD | $406 | $664 | $500 | $30 | $150 | $1,750 | $146 |
| Silverado 3500HD LT Crew Cab Diesel 2WD | $406 | $764 | $500 | $30 | $150 | $1,850 | $154 |
| Silverado 3500HD LTZ Crew Cab Diesel 2WD | $406 | $764 | $500 | $30 | $150 | $1,850 | $154 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Information does not factor in the specific area where the vehicle is garaged which can affect insurance rates substantially.
Comparison of policy deductibles
One of the most common car insurance questions is how high or low should comp and collision deductibles be. The figures shown below may aid in understanding how much more rates are between low and high insurance deductibles. The first rate comparisons uses a $250 deductible and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 3500HD LT Crew Cab 4WD | $430 | $780 | $552 | $32 | $166 | $1,985 | $165 |
| Silverado 3500HD LT Extended Cab 4WD | $430 | $780 | $552 | $32 | $166 | $1,985 | $165 |
| Silverado 3500HD LT Crew Cab 2WD | $430 | $678 | $442 | $26 | $132 | $1,733 | $144 |
| Silverado 3500HD LTZ Crew Cab 2WD | $474 | $678 | $442 | $26 | $132 | $1,777 | $148 |
| Silverado 3500HD LT Crew Cab Diesel 2WD | $474 | $780 | $442 | $26 | $132 | $1,879 | $157 |
| Silverado 3500HD LTZ Crew Cab Diesel 2WD | $474 | $780 | $442 | $26 | $132 | $1,879 | $157 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 3500HD LT Crew Cab 4WD | $348 | $630 | $552 | $32 | $166 | $1,728 | $144 |
| Silverado 3500HD LT Extended Cab 4WD | $348 | $630 | $552 | $32 | $166 | $1,728 | $144 |
| Silverado 3500HD LT Crew Cab 2WD | $348 | $546 | $442 | $26 | $132 | $1,494 | $125 |
| Silverado 3500HD LTZ Crew Cab 2WD | $384 | $546 | $442 | $26 | $132 | $1,530 | $128 |
| Silverado 3500HD LT Crew Cab Diesel 2WD | $384 | $630 | $442 | $26 | $132 | $1,614 | $135 |
| Silverado 3500HD LTZ Crew Cab Diesel 2WD | $384 | $630 | $442 | $26 | $132 | $1,614 | $135 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Information does not factor in garaging location in San Francisco which can impact coverage prices significantly.
Based on the above data, using a $250 deductible could cost the average driver approximately $21 more each month or $252 for a full year than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 12 months between claims, you would save more money by selecting a higher deductible.
How to calculate if higher deductibles make sense
| Average monthly premium for $250 deductibles: | $156 |
| Average monthly premium for $500 deductibles (subtract): | – $135 |
| Monthly savings from raising deductible: | $21 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $21 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 12 months |
The information below illustrates how choosing a deductible and can increase or decrease Chevy Silverado 3500HD insurance costs for each different age group. The premiums are based on a married male driver, full physical damage coverage, and no additional discounts are factored in.
Should you buy full coverage?
The information below shows the comparison of Chevy Silverado 3500HD yearly insurance costs with and without full coverage. The premium estimates are based on no accidents or driving violations, $100 deductibles, single marital status, and no policy discounts are applied.
Should you be buying full coverage?
There is no definitive guideline of when to exclude physical damage insurance, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than around 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let’s pretend your Chevy Silverado 3500HD replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $7,000 after paying your policy deductible. If premium cost is more than $700 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.
There are a few situations where dropping full coverage is not financially feasible. If you still have a loan on your vehicle, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.
Car insurance protects more than just your car
Despite the high cost, maintaining insurance may be required for several reasons.
- Just about all states have minimum liability requirements which means you are required to carry a specific level 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 your Chevy Silverado 3500HD has a lienholder, it’s most likely the lender will stipulate that you buy full coverage to ensure loan repayment if the vehicle is totaled. If the policy lapses, the bank may buy a policy for your Chevy at an extremely high rate and make you pay much more than you were paying before.
- Insurance safeguards your vehicle and your assets. It will also reimburse you for medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance also pays for attorney fees and expenses if anyone sues you for causing an accident. If you have damage to your Chevy as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.
The benefits of insuring your Silverado 3500HD more than offset the price you pay, particularly for liability claims. Today the average American driver overpays as much as $865 each year so smart consumers compare quotes each time the policy renews to ensure rates are inline.
Companies offer money-saving discounts on Chevy Silverado 3500HD insurance in San Francisco
Some insurers don’t always advertise all possible discounts very well, so we researched some of the more common and also the more inconspicuous discounts you could be receiving when you buy San Francisco car insurance online.
- Low Mileage – Low mileage vehicles could qualify for better auto insurance rates on cars that stay parked.
- Own a Home and Save – Just owning your own home may earn you a small savings because maintaining a house means you have a higher level of financial diligence.
- Resident Student – Any of your kids who live away from home at college and do not take a car to college can be insured at a reduced rate.
- Pay Now and Pay Less – By making one initial payment as opposed to paying monthly you could save 5% or more.
- Multi-line Discount – If the company offers life insurance, you could get a small discount if you purchase life insurance.
- Accident Waiver – Not really a discount, but a handful of insurance companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
- Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less than less cautious drivers.
- Onboard Data Collection – Insureds that choose to allow driving data submission to monitor driving habits by installing a telematics device such as Progressive’s Snapshot might see lower rates if their driving habits are good.
- Paper-free Discount – Some of the larger companies provide a small discount get San Francisco car insurance on the internet.
- Professional Organizations – Being a member of qualifying employment or professional organizations could trigger savings on your policy.
Don’t be surprised that many deductions do not apply to your bottom line cost. Most cut the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like all the discounts add up to a free policy, you aren’t that lucky.
The illustration below illustrates the difference between Chevy Silverado 3500HD annual premium costs with and without discounts being applied to the rates. The prices are based on a male driver, no accidents or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, marriage, homeowner, multi-car, and multi-policy discounts applied.
If you would like to view providers with discount auto insurance rates in California, click here to view.
Insurance agent or online?
Some consumers still like to sit down and talk to an agent and that is not a bad decision The biggest benefit of getting free rate quotes online is you may find cheap rate quotes but also keep your business local.
Upon completion of this short form, your insurance coverage information is emailed to companies in San Francisco who want to provide quotes for your business. You never need to visit any agencies due to the fact that quote results will go directly to your email. Get lower rates without a big time investment. If you have a need to compare prices from a particular provider, don’t hesitate to go to their quote page and submit a quote form there.
Picking the best insurer needs to be determined by more than just the price. You should also get answers to these questions.
- What discounts might you be missing?
- Will high miles depreciate repair valuations?
- Are they properly licensed to sell insurance in California?
- If you raise deductibles, how much can you save?
- Will they make sure you get an adequate claim settlement?
- Which insurance companies are they affiliated with?
- Who are their largest clients?
- How experienced are they in personal risk management?
Shown below are San Francisco insurers who can help you get rate quotes for Chevy Silverado 3500HD insurance in San Francisco.
- Wilson Chan – State Farm Insurance Agent
25 Division St #200 – San Francisco, CA 94103 – (415) 593-8802 – View Map - CAL Insurance and Associates
2311 Taraval St – San Francisco, CA 94116 – (415) 661-6500 – View Map - Blum-Blackfield Insurance Agency
2 Twin Peaks Blvd – San Francisco, CA 94114 – (415) 665-1440 – View Map - Al Zeidler Insurance Agency
1714 Stockton St #417 – San Francisco, CA 94133 – (415) 753-1936 – View Map
After talking to the agent and getting good answers and locked in a price quote, you may have found an insurance company that can be relied on to provide car insurance coverage.
Situations that may require an agent’s advice
When selecting coverage, there really isn’t a “best” method to buy coverage. You are unique so your insurance needs to address that.
For instance, these questions may help highlight whether your personal situation will benefit from professional help.
- Do I need replacement cost coverage?
- What are the financial responsibility laws in my state?
- Is business equipment covered while in my vehicle?
- I have a DUI can I still get coverage?
- Am I covered if I crash into my own garage door?
- How does medical payments coverage work?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Does coverage extend to my business vehicle?
If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier
More comparisons equals affordable rates
Throughout this article, we presented quite a bit of information on how to find cheaper Chevy Silverado 3500HD insurance in San Francisco. The key concept to understand is the more times you quote, the better your comparison will be. Consumers may even find the best car insurance rates are with some of the smallest insurance companies. Regional companies can often insure niche markets at a lower cost compared to the large companies like State Farm and Allstate.
Lower-priced auto insurance in San Francisco can be sourced both online and with local San Francisco insurance agents, so get free San Francisco car insurance quotes from both of them in order to have the best chance of saving money. Some insurance companies may not provide online price quotes and many times these regional insurance providers provide coverage only through independent agents.
Helpful articles
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- How Much is San Francisco Auto Insurance for 16 Year Olds? (FAQ)
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- Understanding Limits and Deductibles (Allstate)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- What to do at the Scene of an Accident (Insurance Information Institute)
- Auto Insurance for Teen Drivers (Insurance Information Institute)