Chevy Silverado 3500HD Insurance Quotes in Buffalo

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Insurance for Chevy Silverado 3500HDWould you like to stop wasting money and find more affordable insurance rates in Buffalo, NY? Buffalo shoppers have a choice when shopping for affordable Chevy Silverado 3500HD insurance. They can either waste time struggling with agents trying to get quotes or use the internet to get rate quotes. There are more efficient ways to buy insurance and we'll show you the best way to price shop coverage for a Chevy and find the best price possible from both online companies and Buffalo agents.

A recent insurance study discovered that the vast majority of insurance customers have been with the same company for over three years, and approximately 40% of consumers have never taken the time to shop around. Most drivers in Buffalo can cut their rates by approximately $840 a year by just comparing rate quotes, but most tend to underestimate the large savings they would see if they switched to a more affordable policy.

Buying affordable car insurance in Buffalo is actually quite simple. If you have coverage now, you will most likely be able to shop for the lowest rates using this information. Consumers just have to understand the quickest method to get comparison quotes from many companies at once.

Getting low cost Chevy Silverado 3500HD car insurance pricing is actually easier than you may think. All you need to do is invest a few minutes comparing rates from different insurance companies.

The following companies are ready to provide price quotes in Buffalo, NY. If multiple companies are listed, we suggest you compare several of them in order to find the cheapest rates.

Slash rates with these eight discounts on Chevy Silverado 3500HD insurance in Buffalo

Auto insurance companies do not advertise every discount available very clearly, so the below list has a few of the more common and also the lesser-known credits available to lower your premiums when you buy Buffalo auto insurance online.Discount insurance

  • Defensive Driver Discounts - Taking part in a defensive driver class can save you 5% or more and easily pay for the cost of the class.
  • Discount for Multiple Policies - If you can combine your homeowners and auto policy with one company you may save as much as 10 to 15 percent.
  • Student Driver Training - Make teen driver coverage more affordable by requiring them to take driver's ed class if offered at their school.
  • Cautious Driver Discounts - Insureds who avoid accidents can save up to 40% or more on their Buffalo auto insurance quote than drivers with accidents.
  • Membership in Organizations - Being a member of qualifying employment or professional organizations can get you a small discount when getting a Buffalo auto insurance quote.
  • Early Payment Discounts - By paying your policy upfront rather than paying monthly you could save up to 5%.
  • Early Switch Discount - A few larger companies give discounts for switching policies before your current Silverado 3500HD insurance policy expires. You can save around 10% with this discount.
  • No Charge for an Accident - Not a discount per se, but companies like GEICO, State Farm, and Progressive permit an accident before your rates go up if your claims history is clear for a specific time period.

Policy discounts save money, but most discounts do not apply to the whole policy. Most only apply to specific coverage prices like liability and collision coverage. Even though the math looks like you can get free auto insurance, you're out of luck.

The example below illustrates the difference between Chevy Silverado 3500HD insurance rates with and without some available policy discounts. The premiums are based on a female driver, no claims, a clean driving record, New York 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, claim-free, homeowner, marriage, and safe-driver discounts applied.

A list of insurance companies and some of their more popular discounts are included below.

  • Progressive may include discounts for continuous coverage, homeowner, good student, online quote discount, multi-vehicle, and online signing.
  • SAFECO offers discounts including multi-car, anti-theft, safe driver, homeowner, drive less, and accident prevention training.
  • American Family may have discounts that include defensive driver, Steer into Savings, accident-free, good student, and mySafetyValet.
  • MetLife may offer discounts for multi-policy, defensive driver, accident-free, good student, good driver, and claim-free.
  • GEICO has savings for five-year accident-free, defensive driver, multi-vehicle, daytime running lights, and membership and employees.
  • The Hartford offers discounts for good student, vehicle fuel type, defensive driver, anti-theft, air bag, bundle, and driver training.

Before buying, ask all companies you are considering which discounts you may be entitled to. Some discounts might not be offered on policies in your area. To view insurance companies who offer discounts in Buffalo, click this link.

Chevy Silverado 3500HD insurance coverage information

The table displayed below outlines a range of insurance premium costs for Chevy Silverado 3500HD models. Understanding more about how insurance prices are determined can aid in making smart choices when purchasing an insurance policy.

Chevrolet Silverado 3500HD Insurance Rates in Buffalo, NY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado 3500HD LT Crew Cab 4WD $222 $458 $348 $20 $104 $1,152 $96
Silverado 3500HD LT Extended Cab 4WD $222 $458 $348 $20 $104 $1,152 $96
Silverado 3500HD LT Crew Cab 2WD $222 $398 $278 $16 $84 $998 $83
Silverado 3500HD LTZ Crew Cab 2WD $244 $398 $278 $16 $84 $1,020 $85
Silverado 3500HD LT Crew Cab Diesel 2WD $244 $458 $278 $16 $84 $1,080 $90
Silverado 3500HD LTZ Crew Cab Diesel 2WD $244 $458 $278 $16 $84 $1,080 $90
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Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Rate information does not factor in specific zip code location which can decrease or increase insurance rates substantially.

Deductible comparison

One frequently asked question is how high should the deductibles for physical damage be. The data tables below determine the premium difference when you buy lower versus higher physical damage coverage deductibles. The first set of prices uses a $250 deductible and the second set of rates uses a $500 deductible.

Chevrolet Silverado 3500HD insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado 3500HD LT Crew Cab 4WD $258 $468 $330 $20 $100 $1,201 $100
Silverado 3500HD LT Extended Cab 4WD $258 $468 $330 $20 $100 $1,201 $100
Silverado 3500HD LT Crew Cab 2WD $258 $406 $264 $16 $80 $1,049 $87
Silverado 3500HD LTZ Crew Cab 2WD $284 $406 $264 $16 $80 $1,075 $90
Silverado 3500HD LT Crew Cab Diesel 2WD $284 $468 $264 $16 $80 $1,137 $95
Silverado 3500HD LTZ Crew Cab Diesel 2WD $284 $468 $264 $16 $80 $1,137 $95
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Chevrolet Silverado 3500HD insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado 3500HD LT Crew Cab 4WD $210 $378 $330 $20 $100 $1,038 $87
Silverado 3500HD LT Extended Cab 4WD $210 $378 $330 $20 $100 $1,038 $87
Silverado 3500HD LT Crew Cab 2WD $210 $328 $264 $16 $80 $898 $75
Silverado 3500HD LTZ Crew Cab 2WD $230 $328 $264 $16 $80 $918 $77
Silverado 3500HD LT Crew Cab Diesel 2WD $230 $378 $264 $16 $80 $968 $81
Silverado 3500HD LTZ Crew Cab Diesel 2WD $230 $378 $264 $16 $80 $968 $81
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Estimates do not factor in specific Buffalo garaging location which can increase or decrease insurance rates noticeably.

Based on these figures, using a $250 deductible will cost you approximately $14 more each month or $168 annually across all Chevrolet Silverado 3500HD models 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 have at a minimum 18 months between claims, you would save money by going with a higher deductible.

The example below illustrates how your deductible choice and can raise or lower Chevy Silverado 3500HD insurance rates for different age groups. The data is based on a married female driver, full coverage, and no discounts are taken into consideration.

Annual premiums for males compared to females

The information below illustrates the difference between Chevy Silverado 3500HD insurance premiums for male and female drivers. The rate quotes are based on no driving violations, no at-fault accidents, full physical damage coverage, $250 deductibles, single status, and no discounts are taken into consideration.

Does full coverage make sense?

The information below shows the comparison of Chevy Silverado 3500HD insurance rates with full physical damage coverage compared to only buying liability only. The rates are based on no violations or claims, $100 deductibles, marital status is single, and no other discounts are factored in.

Should you buy full coverage or liability only?

There is no written rule of when to stop paying for physical damage coverage, but there is a general school of thought. If the yearly cost of full coverage is about 10% or more of the vehicle's replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let's assume your Chevy Silverado 3500HD replacement cost is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $4,000 after paying the physical damage deductible. If it's costing in excess of $400 annually for full coverage, then you might want to consider buying only liability coverage.

There are a few cases where eliminating full coverage is not a good idea. If you still have a lienholder on your title, you have to keep full coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle if your current one is in an accident, you should not buy liability only.