High-priced Chevrolet Silverado 3500HD insurance in Sacramento can draw down your accounts and force you to prioritize other expenses. Doing a rate comparison is a smart way to lower your bills every month.
Sad but true, most insurance buyers in California renewed their policy with the same company for a minimum of four years, and practically 40% of insurance customers have never compared rate quotes at all. American drivers could save themselves approximately $859 a year just by shopping around, but they just don’t understand how easy it is to go online and compare rates.
Steps to finding low-cost Chevy Silverado 3500HD insurance in Sacramento
The best way to get low-cost Chevy Silverado 3500HD insurance is to compare quotes once a year from companies who provide car insurance in Sacramento. Drivers can shop around by following these guidelines.
- Try to learn about the coverage provided by your policy and the things you can control to keep rates in check. Many rating criteria that result in higher rates such as high-risk driving behaviors and an imperfect credit history can be rectified by making minor changes to your lifestyle.
- Compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like GEICO or State Farm, while agents who are independent can provide prices for a wide range of insurance providers. Begin your rate comparison
- Compare the new rates to your existing policy to determine if you can save on Silverado 3500HD insurance in Sacramento. If you can save some money, verify that coverage does not lapse between policies.
A good tip to remember is to try to use the same amount of coverage on each price quote and to quote with every insurance company. This guarantees a fair rate comparison and a complete price analysis.
Big-name insurance companies like State Farm, Allstate, GEICO and Progressive constantly bombard you with catchy ads and consumers find it hard to ignore the propaganda and effectively compare rates to find the best deal.
Take policy discounts and save on Chevy Silverado 3500HD insurance in Sacramento
Insuring your vehicles can cost a lot, but you might find some hidden discounts that can dramatically reduce your bill. A few discounts will automatically apply when you quote, but some discounts are required to be specially asked for before being credited. If you are not receiving all the discounts you deserve, you may be paying too high a price.
- Multi-car Discount – Purchasing coverage when you have several vehicles on a single policy can reduce the rates for all insured vehicles.
- College Student – Children living away from Sacramento attending college and do not have a car could get you a discount.
- ABS Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions so you can save 10 percent or more.
- Drive Less and Save – Low annual miles could earn lower rates on the low mileage vehicles.
- Buy New and Save – Adding a new car to your policy can get you a discount because new vehicles have to meet stringent safety requirements.
- Bundle and Save – If you combine your auto and home policies with one insurance company they may give you a discount of at least 10 to 15 percent or more.
- Early Signing – A few companies give discounts for renewing your policy before your current Silverado 3500HD insurance policy expires. Ten percent is about the average savings.
- Professional Organizations – Affiliation with a civic or occupational organization in Sacramento is a good way to get lower rates on car insurance.
- Defensive Driver Discount – Passing a course teaching safe driver skills is a good idea and can lower rates and easily recoup the cost of the course.
- Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle up before driving could save 15% off the PIP or medical payment premium.
Discounts lower rates, but most discount credits are not given to the whole policy. Most only cut individual premiums such as collision or personal injury protection. Just because you may think it’s possible to get free car insurance, company stockholders wouldn’t be very happy.
The illustration below shows the comparison of Chevy Silverado 3500HD insurance premiums with and without some available policy discounts. Data assumes a female driver, no claims or driving citations, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, homeowner, multi-car, claim-free, and safe-driver discounts applied.
A partial list of companies who may offer these money-saving discounts include:
It’s a good idea to ask each company or agent which discounts can lower your rates. Some credits might not be available to policyholders in Sacramento. If you would like to see a list of companies with discount rates in Sacramento, click here.
The are a couple different ways of comparing price quotes from companies that offer insurance in California. One of the best ways to find the lowest rates is to get quotes online.
Doing online quotes comparisons is so easy that it makes it a waste of time to spend your day driving to local insurance agencies. The ability to get quotes online can eliminate the need for a local agent unless you’re the type of person who wants the advice and guidance of a licensed agent. Although you can find lower rates online but buy the policy through an agent.
When price shopping your coverage, getting more free quotes helps improve the odds of finding lower pricing. Some companies don’t provide online price quotes, so it’s necessary to compare price estimates on coverage from those companies, too.
The companies in the list below are ready to provide quotes in California. In order to find cheaper car insurance in Sacramento, CA, we suggest you visit several of them to find the lowest auto insurance rates.
Chevy Silverado 3500HD detailed coverage information
The price information displayed below covers detailed analysis of coverage costs for Chevy Silverado 3500HD models. Being aware of how policy premiums are figured can be valuable when making smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 3500HD LT Crew Cab 4WD | $272 | $534 | $530 | $32 | $158 | $1,526 | $127 |
| Silverado 3500HD LT Extended Cab 4WD | $272 | $534 | $530 | $32 | $158 | $1,526 | $127 |
| Silverado 3500HD LT Crew Cab 2WD | $272 | $464 | $424 | $26 | $126 | $1,312 | $109 |
| Silverado 3500HD LTZ Crew Cab 2WD | $300 | $464 | $424 | $26 | $126 | $1,340 | $112 |
| Silverado 3500HD LT Crew Cab Diesel 2WD | $300 | $534 | $424 | $26 | $126 | $1,410 | $118 |
| Silverado 3500HD LTZ Crew Cab Diesel 2WD | $300 | $534 | $424 | $26 | $126 | $1,410 | $118 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rate quotes do not factor in Sacramento location which can increase or decrease insurance rates considerably.
Choosing deductibles
One of the more difficult decisions when buying car insurance is which comprehensive and collision deductibles to buy. The rates below can help you understand the rate fluctuation of buying low and high coverage deductibles. The first data set uses a $100 physical damage coverage deductible and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 3500HD LT Crew Cab 4WD | $478 | $932 | $552 | $32 | $166 | $2,185 | $182 |
| Silverado 3500HD LT Extended Cab 4WD | $478 | $932 | $552 | $32 | $166 | $2,185 | $182 |
| Silverado 3500HD LT Crew Cab 2WD | $478 | $810 | $442 | $26 | $132 | $1,913 | $159 |
| Silverado 3500HD LTZ Crew Cab 2WD | $528 | $810 | $442 | $26 | $132 | $1,963 | $164 |
| Silverado 3500HD LT Crew Cab Diesel 2WD | $528 | $932 | $442 | $26 | $132 | $2,085 | $174 |
| Silverado 3500HD LTZ Crew Cab Diesel 2WD | $528 | $932 | $442 | $26 | $132 | $2,085 | $174 |
| 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 | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can modify insurance rates substantially.
Using the premium rates above, we can conclude that using a $100 deductible will cost you approximately $38 more each month or $456 each year than selecting 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 tend to average more than 11 months between claims, you would save money if you elect the higher deductible.
The information below shows how different deductible levels and can change Chevy Silverado 3500HD insurance costs for different categories of driver ages. The rate quotes are based on a single male driver, comp and collision included, and no discounts are applied.
Difference between full coverage and liability only rates
The diagram below illustrates the comparison of Chevy Silverado 3500HD annual premium costs with full physical damage coverage compared to only buying liability only. Data assumes no claims or driving violations, $250 deductibles, marital status is single, and no discounts are applied.
Are you wasting money on full coverage?
There is no set guideline for eliminating physical damage coverage, but there is a general guideline you can use. If the annual cost of having full coverage is about 10% or more of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.
For example, let’s say your Chevy Silverado 3500HD replacement cost is $9,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $8,000 after paying the physical damage deductible. If you are paying over $800 a year for physical damage coverage, then you may want to consider only buying liability coverage.
There are some scenarios where removing full coverage is not financially feasible. If you still have a loan on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not opt for liability only.
Compare rates but work with a local Sacramento insurance agency
Certain consumers just prefer to go talk to an agent. An additional benefit of price shopping on the web is that you can obtain the best rates but also keep your business local. Buying insurance from local agencies is especially important in Sacramento.
To find an agent, once you fill out this quick form, your information is sent to companies in Sacramento who will give competitive quotes for your business. You won’t need to drive around due to the fact that quote results will go to you directly. You’ll get the best rates and a licensed agent to talk to. If you want to get a comparison quote from a specific insurance company, just go to their quote page and give them your coverage information.
Multiple types of auto insurance agents in Sacramento
If you need to find a good Sacramento insurance agent, it can be helpful to understand the types of agencies from which to choose. Sacramento agents are categorized either independent agents or exclusive agents.
Independent Car Insurance Agencies
These agents do not have single company limitations and that gives them the ability to insure with an assortment of companies and find the cheapest rate. To move your coverage to a new company, your policy is moved internally and that require little work on your part. When comparison shopping, you need to compare quotes from a couple of independent agencies to maximize your price options.
Below is a small list of independent agencies in Sacramento that may be able to give free car insurance quotes.
McGee and Thielen Insurance Brokers
3840 Rosin Ct #245 – Sacramento, CA 95834 – (800) 901-9636 – View Map
Ice Insurance Agency
813 F St – Sacramento, CA 95814 – (916) 387-6800 – View Map
Eugene C. Yates Insurance Agency
2021 P St – Sacramento, CA 95811 – (916) 313-6100 – View Map
Exclusive Car Insurance Agencies
Exclusive agents can only quote rates from one company like Allstate and State Farm. These agents are unable to provide prices from multiple companies so they have no alternatives for high prices. Exclusive agencies are well schooled on their company’s products which helps them sell insurance even at higher premiums.
Below are Sacramento exclusive agencies that can give you rate quotes.
Darryl Fong – State Farm Insurance Agent
8489 Folsom Blvd – Sacramento, CA 95826 – (916) 388-1900 – View Map
Monique Ambers – State Farm Insurance Agent
4331 Truxel Rd Ste G3 – Sacramento, CA 95834 – (916) 928-4747 – View Map
Farmers Insurance: Brewer Insurance Agency
6700 Freeport Blvd #101 – Sacramento, CA 95822 – (916) 424-4357 – View Map
Picking an insurance agency requires more thought than just the bottom line cost. Any agent in Sacramento should be willing to answer these questions.
- How experienced are they in personal risk management?
- If you have an accident, will your rates go up?
- Is the agency active in community causes in Sacramento?
- Will their companies depreciate repairs to your car based on the mileage?
- Do they feel the quoted coverages are adequate?
Auto insurance company ratings
Selecting the right auto insurance provider can be difficult considering how many companies provide coverage in California. The company ratings shown below may help you select which auto insurance companies to look at shopping your coverage with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Smart shoppers get results
In this article, we covered some good ideas how you can shop for Chevy Silverado 3500HD insurance online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding low cost Sacramento auto insurance quotes. Consumers may even find the best price on car insurance is with some of the lesser-known companies. Some small companies can often provide lower prices in certain areas than their larger competitors like GEICO and State Farm.
Affordable Chevy Silverado 3500HD insurance in Sacramento can be found on the web and from local insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance providers do not provide price quotes online and usually these small, regional companies only sell coverage through independent insurance agencies.
Steps to buying cheaper Chevy Silverado 3500HD insurance in Sacramento
To save the most money, the best way to get the cheapest Chevy Silverado 3500HD insurance in Sacramento is to begin comparing prices regularly from providers who can sell car insurance in California.
Step 1: Try to comprehend how companies set rates and the things you can control to drop your rates. Many rating criteria that drive up the price like careless driving and a negative credit history can be controlled by making minor changes in your lifestyle.
Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from a single company like Progressive or Allstate, while agents who are independent can provide prices from multiple companies.
Step 3: Compare the new rate quotes to your existing policy and see if you can save money. If you find a lower rate quote, make sure there is no lapse in coverage.
An important bit of advice to remember is that you’ll want to compare the same liability limits and deductibles on every quote request and and to get price quotes from as many companies as feasibly possible. This ensures an accurate price comparison and a complete selection of prices.
To read more, feel free to visit these articles:
- Auto Crash Statistics (Insurance Information Institute)
- What Auto Insurance is Cheapest for 18 Year Olds in Sacramento? (FAQ)
- What Insurance is Cheapest with Multiple Speeding Tickets in Sacramento? (FAQ)
- How Much are Car Insurance Quotes for Felons in Sacramento? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Postal Workers in Sacramento? (FAQ)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- What is a Telematics Device? (Allstate)
- Child Safety FAQ (iihs.org)