How to Save on New Orleans Chevy Silverado 3500HD Insurance

Unthinkable but true, about 70% of customers kept buying from the same company for over three years, and practically 40% of insurance customers have never compared rates to find lower-cost insurance. Many consumers in New Orleans could save an average of as much as $900 each year by just comparing rate quotes, but they just feel it’s too hard to find lower-cost insurance by shopping around.

The easiest way to get affordable Chevy Silverado 3500HD insurance is to regularly compare price quotes from insurers who provide auto insurance in New Orleans.

1. Spend some time learning about how companies price auto insurance and the things you can control to keep rates down. Many things that result in higher prices like traffic tickets, fender benders, and a low credit rating can be improved by making lifestyle changes or driving safer. Later in this article we will cover information to get affordable coverage and earn a bigger discount.
2. Compare price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from a single company like Progressive or State Farm, while independent agencies can quote prices from many different companies. Compare rates now
3. Compare the new rate quotes to your existing policy to determine if you can save on Silverado 3500HD insurance. If you find a lower rate quote and switch companies, make sure there is no lapse in coverage.
4. Provide proper notification to your current company of your intention to cancel your current policy and submit any necessary down payment along with the completed application to your new agent or company. Immediately place your new certificate verifying coverage in your vehicle’s glove compartment or console.

One important bit of advice is that you’ll want to compare identical deductibles and limits on every quote and and to compare all possible companies. This helps ensure the most accurate price comparison and maximum price selection.

If you have a policy now, you will definitely be able to lower your rates using this information. Locating the most affordable protection in New Orleans can be fairly easy. But Louisiana drivers do need to understand the way companies determine what you pay and use this information to your advantage.

Most of the larger companies such as 21st Century, Allstate and State Farm allow consumers to get prices for coverage directly from their websites. Comparing Chevy Silverado 3500HD insurance rates online is pretty easy as all you need to do is type in your coverage information as requested by the quote form. After you complete the form, the quote system automatically retrieves your driving and credit reports and returns a price.

Being able to quote online for Chevy Silverado 3500HD insurance in New Orleans streamlines rate comparisons, and it’s necessary to compare as many rates as possible if you want to get the most affordable possible premiums on auto insurance.

To fill out one form to compare multiple rates now, check out the auto insurance providers below. If you have coverage now, it’s recommended you input the limits and deductibles identical to your current policy. Doing this assures you will receive comparison quotes for similar insurance coverage.

The providers in the list below provide quotes in New Orleans, LA. In order to find cheap auto insurance in New Orleans, LA, we suggest you click on several of them in order to find the most competitive rates.

These discounts can lower your insurance rates

Some insurance providers don’t always advertise all their discounts in a way that’s easy to find, so the list below gives a summary of a few of the more common and the more hidden discounts you could be receiving when you buy New Orleans car insurance online. If you check and find you aren’t receiving every discount you qualify for, you could be saving more on your insurance.

• Drivers Education – Cut your cost by having your teen driver enroll and complete driver’s education in high school.
• Accident-Free Discounts – Insureds with no claims or accidents are rewarded with significantly better rates on New Orleans car insurance quote as opposed to frequent claim filers.
• Switch and Save Discount – Some companies provide a discount for switching to them before your current coverage expires. It could save around 10% when you buy New Orleans car insurance online.
• Onboard Data Collection – People who choose to allow companies to look at when and where they use their vehicle through the use of a telematics system such as Progressive’s Snapshot might see lower rates if they are good drivers.
• Own a Home – Just being a homeowner can get you a discount because it requires a higher level of personal finance.
• Discount for Multiple Policies – If you combine your auto and homeowners policies and insure them with the same company you will save over 10 percent off each policy depending on the company.
• Active Military Service – Being deployed with a military unit could mean lower rates.
• Discounts for Federal Employees – Active or former government employment may reduce rates when you quote New Orleans car insurance with a few insurance companies.

We need to note that some of the credits will not apply to all coverage premiums. Most only apply to specific coverage prices like liability and collision coverage. Even though it appears you can get free auto insurance, it’s just not the way it works.

The example below shows the comparison of Chevy Silverado 3500HD insurance costs with and without discounts applied to the rates. The data is based on a male driver, no claims, a clean driving record, Louisiana state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-car, multi-policy, marriage, and safe-driver discounts applied.

A list of companies and the discounts they provide are detailed below.

• Mercury Insurance policyholders can earn discounts including professional/association, anti-theft, annual mileage, location of vehicle, accident-free, good driver, and ease of repair.
• Farmers Insurance offers discounts for pay in full, electronic funds transfer, early shopping, homeowner, and teen driver.
• Farm Bureau offers premium reductions for multi-policy, good student, safe driver, renewal discount, youthful driver, and driver training.
• State Farm has savings for good driver, student away at school, defensive driving training, accident-free, multiple policy, passive restraint, and driver’s education.
• Allstate may include discounts for anti-theft, 55 and retired, economy car, defensive driver, utility vehicle, FullPay discount, and good payer.
• GEICO offers discounts including multi-vehicle, federal employee, driver training, anti-theft, and emergency military deployment.

Before you buy a policy, ask every prospective company which discounts you qualify for. All car insurance discounts may not be offered in your state.

Chevy Silverado 3500HD insurance coverage information

The rate information displayed next outlines detailed analysis of insurance policy prices for Chevy Silverado 3500HD models. Being aware of how policy premiums are established can help guide drivers when making informed decisions when shopping around for a new policy.

Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Price information does not factor in specific zip code location which can revise price quotes significantly.

Comparison of policy deductibles

The hardest decision when buying coverage is how high should your deductibles be. The following tables may help you to understand the rate difference when you choose different insurance deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second rate chart uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Rate quotes do not factor in zip code location which can decrease or increase premiums considerably.

Using the data above, we can ascertain that using a $250 deductible costs about $41 more each month or $492 a year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you average at least 18 months between claims, you would save money if you elect the higher deductible.

Insurance rates by age and gender in New Orleans

The illustration below illustrates the difference between Chevy Silverado 3500HD auto insurance rates for male and female drivers. The data assumes no claims or violations, full physical damage coverage, $100 deductibles, drivers are not married, and no discounts are taken into consideration.

What is the best auto insurance company in Louisiana?

Ending up with a good quality insurance provider can be difficult considering how many companies sell insurance in New Orleans. The ranking information below may help you choose which car insurance providers to look at purchasing coverage from.

Top 10 New Orleans Car Insurance Companies by A.M. Best Rank

1. Travelers – A++
2. USAA – A++
3. GEICO – A++
4. State Farm – A++
5. Titan Insurance – A+
6. Esurance – A+
7. Progressive – A+
8. The Hartford – A+
9. Allstate – A+
10. Nationwide – A+

Smart Consumers Save More

A large part of saving on auto insurance is knowing the different types of things that are used to determine auto insurance rates. When you understand what positively or negatively impacts your premiums, this enables informed choices that will entitle you to much lower annual insurance costs.

The items below are some of the things used by insurance companies to determine your prices.

Liability insurance is important – Liability coverage provides coverage if you are found liable for physical damage or personal injury to other. Your policy’s liability insurance provides legal defense coverage to attempt to prove you were not liable. Liability is cheap when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.

Put fewer miles on your vehicle – The more miles you rack up on your Chevy in a year’s time the more you’ll pay to insure your vehicle. The majority of insurers charge to insure your cars based upon how you use the vehicle. Cars and trucks that do not get driven very much cost less to insure as compared to vehicles used primarily for driving to work. An incorrectly rated Silverado 3500HD may be wasting your money. It’s always a good idea to double check that your vehicle rating properly reflects the correct usage for each vehicle.

Cheaper rates by bundling – Most major insurance companies give better rates to policyholders who carry more than one policy. It’s known as a multi-policy discount. Discounts can add up to 10 percent or more. Even if you already get this discount, it’s still a good idea to shop around to ensure the best deal.

Policy lapses raise auto insurance rates – Not maintaining insurance is a misdemeanor and as a result your rates will increase for letting your coverage lapse. In addition to paying higher rates, getting caught without coverage will get you a license revocation or jail time. Then you may be required to provide proof of insurance in the form of an SR-22 filing with the Louisiana DMV.