Drivers have a choice when trying to find low-cost Chevy Silverado 2500HD insurance. They can either waste time contacting agents trying to get quotes or use the internet to find the lowest rates.
There are more efficient ways to find auto insurance online and you need to know the quickest way to price shop coverage for your Chevy and find the best price possible from both online companies and local agents.
It’s a good idea to get comparison quotes at least once a year because rates change frequently. Just because you had the lowest rates for SilveradoHD insurance a few years ago other companies may now be cheaper. So forget anything you know (or think you know) about auto insurance because we’re going to show you the tricks you need to know to properly buy coverages and cut your premium.
Compare Quotes for Auto Insurance
To find the best auto insurance prices, there are several ways to compare rate quotes from local auto insurance companies. The quickest method to find competitive Chevy Silverado 2500HD insurance rates involves getting comparison quotes online. It is quite easy and can be accomplished in a couple of different ways.
- The first (and easiest) way to find low rates is an all-inclusive rate comparison click here to open form in new window. This type of form prevents you from having to do repetitive form entry to each individual auto insurance company. One simple form will get you price quotes from multiple companies. This is by far the quickest method.
- Another way to compare prices requires visiting the website for each individual company and fill out their own quote form. For sake of this example, let’s say you want comparison quotes from Allstate, GEICO and Progressive. To get each rate you have to go to every website and enter your policy data, and that’s why the first method is more popular. To view a list of companies in your area, click here.
- The hardest method to compare rates is to drive around to local insurance agencies. Shopping for auto insurance online eliminates the need for an insurance agent unless you want the personal advice that only a license agent can provide. You can, however, price shop your coverage online and get advice from an agent in your area and you’ll learn how to do that later.
Which method you use is up to you, but ensure you’re using apples-to-apples information with every price quote. If your comparisons have mixed coverages you will not be able to determine the lowest rate for your Chevy Silverado 2500HD. Quoting even small variations in coverages can make a big difference in price. Just keep in mind that having more price comparisons provides better odds of finding the best rates.
What happened to insurance agents?
Some consumers would prefer to sit down with an agent. One of the best bonuses of price shopping on the web is you can get better rates and still choose a local agent. And providing support for local insurance agencies is important especially if you live in a smaller city or town.
To make it easy to find an agent, after completing this form (opens in new window), your coverage information is sent to companies who will battle for your insurance coverage. You never need to leave your computer because quoted prices will be sent immediately to your email address. Now that’s easy! Get lower rates and an insurance agent to talk to.
What type of car insurance agent is right for you?
If you’re trying to find a reputable insurance agent or broker, you need to know there are two types of insurance agents that you can select. Insurance agencies are classified as either captive or independent.
Independent Agents (or Brokers)
Independent agents are not locked into one company but rather can write business with multiple insurance companies and potentially find a lower price. If your agent finds better pricing, an independent agent can move your coverage and you won’t have to switch agencies. When comparison shopping, it’s a good idea to include at a minimum one independent agency to get the best comparison.Many can place coverage with smaller companies which can be an advantage.
Captive Insurance Agents
Captive agents can only write with one company and examples are State Farm or Allstate. These agents are not able to give you multiple price quotes so they are skilled at selling on more than just price. They are usually quite knowledgeable on their products and sales techniques which can be an advantage. Some people will only choose to use a captive agent partially due to loyalty to the company and strong financial ratings.
For a full directory of insurance agents, click here.
Selecting an insurance agent requires more thought than just the bottom line cost. These questions are important to ask:
- Do they specialize in personal lines coverage?
- How often do they review policy coverages?
- Do they have any clout with companies to ensure a fair claim settlement?
- Does the agency support the community they serve?
- How are they compensated?
- Which members of your family are coverage by the policy?
- Is vehicle mileage a factor when determining depreciation for repairs?
Once you have answers to your satisfaction to your questions in addition to an acceptable price estimate, most likely you have located an auto insurance agent that can properly insure your vehicles.
