Auto Insurance Quotes for a Chevy Silverado 3500HD in Pittsburgh

It takes a little time, but the best way to get more affordable Chevy Silverado 3500HD insurance in Pittsburgh is to make a habit of regularly comparing prices from insurance carriers in Pennsylvania.

First, it will benefit you to learn about how car insurance works and the steps you can take to prevent expensive coverage. Many factors that drive up the price such as your driving record and your credit history can be controlled by making minor driving habit or lifestyle changes.

Second, request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from a single company like GEICO and Allstate, while agents who are independent can provide price quotes from many different companies. Click to view companies

Third, compare the price quotes to your current policy to see if switching to a new carrier will save money. If you find a lower rate quote and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

Fourth, provide proper notification to your current company of your intent to cancel your current car insurance policy and submit a completed application and payment to your new insurance company. As soon as coverage is bound, put the proof of insurance certificate in your vehicle’s glove compartment or console.

One bit of advice is to compare the same amount of coverage on each quote and and to get rates from every company you can. Doing this enables a fair rate comparison and a thorough selection of prices.

It’s hard to believe, but almost 70% of drivers in Pennsylvania have stayed with the same insurance company for four years or more, and about 40% of consumers have never even compared quotes to find affordable rates. U.S. insurance shoppers could save $860 each year by just comparing rate quotes, but they just don’t understand the rate savings if they switch to a new company.

Cheap companies for Chevy Silverado 3500HD insurance in Pennsylvania

The car insurance companies shown below are our best choices to provide price comparisons in Pennsylvania. If you want the best car insurance in Pittsburgh, PA, it’s highly recommended you visit as many as you can in order to get a fair rate comparison.

Insurance rate breakdown

The rate information displayed next highlights different insurance costs for Chevy Silverado 3500HD models. Having a good grasp of how auto insurance policy rates are calculated can benefit drivers when making decisions on the best policy coverages.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Estimates do not factor in vehicle location which can modify prices considerably.

Higher deductibles save money

When buying auto insurance, a common question is how high should the physical damage coverage deductibles be. The rates below may help you to understand the cost difference when you select higher and lower deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Estimates do not factor in your specific Pittsburgh location which can change premium rates significantly.

Using the data above, we can ascertain that using a $250 deductible will cost you about $17 more each month or $204 annually than selecting the higher $500 deductible. Since the policyholder would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 15 months between claims, you would save more money by going with a higher deductible.

The diagram below highlights how deductible choice and can increase or decrease Chevy Silverado 3500HD insurance prices for different age groups. The data assumes a married male driver, comprehensive and collision coverage, and no discounts are applied.

Rate comparison of males versus females

The information below shows the comparison of Chevy Silverado 3500HD annual premium costs for male and female drivers. The premiums are based on no violations or claims, comp and collision included, $100 deductibles, marital status is single, and no discounts are applied.

Does full coverage make sense?

The information below illustrates the difference between Chevy Silverado 3500HD annual premium costs with and without full coverage. The data assumes a clean driving record, no at-fault accidents, $250 deductibles, single status, and no additional discounts are factored in.

Are you wasting money paying for full coverage?

There is no clear-cut formula to drop full coverage on your policy, but there is a guideline you can consider. If the annual cost of coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you may need to consider dropping full coverage.

For example, let’s pretend your Chevy Silverado 3500HD book value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, you would only receive $7,000 after you pay the deductible. If premium cost is more than $700 annually for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.

There are some cases where dropping physical damage coverage is not a good idea. If you still owe money on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should keep full coverage.

You may qualify for discounts for Chevy Silverado 3500HD insurance in Pittsburgh

Insurance can be prohibitively expensive, but companies offer discounts that you may not even be aware of. Certain credits will be shown at the time of quoting, but a few must be manually applied before being credited.

• Seat Belt Discounts – Drivers who require all occupants to buckle up could cut 10% or more on the premium charged for medical payments and/or PIP.
• Paperwork-free – Some of the larger companies will give you a small discount shop Pittsburgh auto insurance on the web.
• Switch and Save Discount – Select larger companies give a discount for switching to them before your current coverage expires. The savings is around 10%.
• Distant Student – Older children who live away from home to go to college and leave their car at home can be insured at a reduced rate.
• Discounts for Good Drivers – Drivers without accidents may save up to 50% more than their less cautious counterparts.
• Policy Bundle Discount – If you can combine your auto and homeowners policy and insure them with the same company you will save over 10 percent off each policy depending on the company.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs equipped with ABS or steering control are safer to drive so you can save 10 percent or more.
• Fewer Miles Equal More Savings – Keeping the miles down on your Chevy could be rewarded with slightly better insurance rates than normal.

You can save money using discounts, but most credits do not apply to the entire policy premium. Most only cut individual premiums such as comp or med pay. So when it seems like all those discounts means the company will pay you, you aren’t that lucky.

The chart below shows the difference between Chevy Silverado 3500HD annual premium costs with and without some available policy discounts. The costs are based on a female driver, no violations or claims, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, homeowner, marriage, claim-free, and safe-driver discounts applied.

Auto insurance companies who might offer some of the above discounts possibly include:

• State Farm
• GEICO
• Progressive
• 21st Century
• American Family
• The Hartford
• AAA

When getting a coverage quote, ask all companies you are considering which credits you are entitled to. A few discounts may not be available in Pittsburgh. To see insurers that offer the discounts shown above in Pennsylvania, click here to view.

When in doubt talk to an agent

Always remember that when buying your policy, there really is no single plan that fits everyone. Each situation is unique and your auto insurance should be unique as well. For instance, these questions could help you determine if you might need an agent’s assistance.

• How high should my medical payments coverage be?
• Do all my vehicles need collision coverage?
• What is glass protection for?
• Exactly who is provided coverage by my policy?
• Am I covered if I have no license?
• Should I carry comprehensive and collision coverage?
• When should my teen driver be added to my policy?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Local Pittsburgh car insurance agents

Many drivers just prefer to sit down with an agent and that is recommended in a lot of cases Experienced insurance agents can make sure you are properly covered and will help you if you have claims. The biggest benefit of comparing rate quotes online is the fact that you can find lower rates and still buy from a local agent. Supporting small agencies is still important in Pittsburgh.

To help locate an agent, after submitting this short form, your coverage information is transmitted to companies in Pittsburgh who will give you bids and help you find cheaper coverage. You won’t even need to do any legwork since price quotes are sent to you instantly. If you have a need to get a price quote from a particular provider, just navigate to their website and fill out the quote form the provide.

If you want a local agent, you should know the different agency structures and how they work. Agents in Pittsburgh may be either independent (non-exclusive) or exclusive. Both sell affordable insurance policies, but it’s important to point out the differences because it can impact buying decisions.

Independent Insurance Agencies

Agents of this type are normally appointed by many insurers so they have the ability to put coverage with a variety of different insurance companies and get the cheapest rates. If premiums increase, they can switch companies in-house which makes it simple for you. When shopping rates, you need to get several quotes from a few independent agents to get the most accurate price comparison. Many can place coverage with less well-known companies that may provide cheaper insurance rates.

Listed below is a small list of independent agencies in Pittsburgh who may be able to give you price quotes.

• Celik Insurance Agency Inc.
  2407 Mt Troy Rd – Pittsburgh, PA 15212 – (412) 323-9300 – View Map
• Casper Insurance Agency, Inc.
  611 Mt Royal Blvd – Pittsburgh, PA 15223 – (412) 486-9200 – View Map
• Nationwide Insurance: Barry Lumsden
  600 Grant St – Pittsburgh, PA 15219 – (412) 415-1954 – View Map

View more agents

Exclusive Insurance Agents

Exclusive insurance agents write business for a single company like Farmers Insurance, American Family, State Farm and Allstate. They generally cannot provide prices from multiple companies so you might not find the best rates. Exclusive agents are usually well trained on their company’s products and that can be a competitive advantage. Drivers often purchase coverage from exclusives mainly due to the prominent brand name instead of buying on price only.

The following is a list of exclusive agents in Pittsburgh that can give you rate quotes.

• Michael Dear State Farm
  2632 Brownsville Rd – Pittsburgh, PA 15227 – (412) 884-9700 – View Map
• Eric Morris – State Farm Insurance Agent
  2015 Babcock Blvd – Pittsburgh, PA 15209 – (412) 821-0225 – View Map
• Tad Paterra – State Farm Insurance Agent
  984 Greentree Rd – Pittsburgh, PA 15220 – (412) 922-2622 – View Map

View more agents

Finding the right insurance agent should include more criteria than just the premium amount. Any good agent in Pittsburgh should know the answers to these questions.

• Is the agent and/or agency licensed to do business in Pennsylvania?
• What discounts might you be missing?
• Do they get paid more for recommending certain coverages?
• Can they provide you with a list of referrals?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?

In conclusion

In this article, we covered a lot of techniques to find cheap Chevy Silverado 3500HD insurance in Pittsburgh. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding cheaper Pittsburgh auto insurance quotes. Consumers may even find the lowest priced insurance comes from a smaller regional carrier. They can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and GEICO.

Cheaper insurance in Pittsburgh can be bought on the web and also from your neighborhood Pittsburgh agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who do not offer the ability to get a quote online and usually these smaller providers only sell through independent agents.

More tips and info about insurance can be read at these sites:

• Protecting Teens from Drunk Driving (Insurance Information Institute)
• What Auto Insurance is Cheapest for a Toyota Tacoma in Pittsburgh? (FAQ)
• Who Has the Cheapest Pittsburgh Car Insurance Quotes for Teenage Males? (FAQ)
• Auto Crash Statistics (Insurance Information Institute)
• Tread Depth and Tire Safety (State Farm)
• Understanding Your Insurance Deductible (Insurance Information Institute)