Chevy Silverado 3500HD Insurance Rates in Fort Wayne

Locating the cheapest insurance for a Chevy Silverado 3500HD in Indiana can turn out to be difficult, but you can learn the following methods and make it easy.

There are more efficient ways to buy insurance so you’re going to learn the absolute fastest way to price shop coverage on a Chevy and obtain the best price possible from both online companies and Fort Wayne agents.

If you’re already insured or are just looking to switch companies, you can use this information to get lower rates and possibly find even better coverage. Shopping around for affordable protection in Fort Wayne is not as confusing as people think. Vehicle owners just need to understand the quickest way to compare different rates from many different companies online.

The best way to compare insurance rates from multiple companies is to know the fact most of the larger companies will pay a fee to provide you with a free rate quote. The only thing you need to do is provide a small amount of information including how much school you completed, daily mileage, types of safety features, and whether you are single or married. Those rating factors is then submitted to multiple car insurance providers and they respond with quotes within a short period of time.

To find lower affordable Chevy Silverado 3500HD insurance rates now, click here and find out if you can get cheaper insurance in Fort Wayne.

The car insurance companies shown below are our best choices to provide price comparisons in Indiana. To locate the cheapest car insurance in Fort Wayne, IN, it’s a good idea that you visit several of them to find the lowest car insurance rates.

Save money with discounts

Some insurance providers don’t always list every available discount very well, so we took the time to find both the well known and the more hidden credits available to lower your premiums when you buy Fort Wayne car insurance online.

• Multi-line Discount – Some insurance companies give lower insurance rates if you buy auto and life insurance together.
• Homeowners Savings – Simply owning a home can get you a discount since home ownership demonstrates responsibility.
• Safety Course Discount – Taking a class that teaches defensive driving techniques could possibly earn you a 5% discount and easily pay for the cost of the class.
• Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates than less cautious drivers.
• Federal Employees – Having worked for a branch of the government may reduce rates when you quote Fort Wayne car insurance depending on your company.
• Discount for Good Grades – This discount may save you up to 25%. Earning this discount can benefit you until age 25.
• Professional Memberships – Affiliation with a professional or civic organization could earn you a nice discount when shopping for insurance.
• Seat Belts Save – Requiring all passengers to fasten their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
• Save over 55 – If you’re over the age of 55, you may be able to get a small decrease in premiums.
• Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. If you do the math and it seems like you can get free auto insurance, nobody gets a free ride.

The information below shows the comparison of Chevy Silverado 3500HD car insurance rates with and without discounts. The data assumes a female driver, no driving violations, no at-fault accidents, Indiana state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, homeowner, marriage, and multi-car discounts applied.

Companies and their offered discounts are shown below.

• State Farm policyholders can earn discounts including student away at school, defensive driving training, multiple policy, good driver, Drive Safe & Save, and driver’s education.
• Esurance has discounts for defensive driver, multi-car, safety device, good student, good driver, and renters.
• Progressive discounts include online signing, online quote discount, continuous coverage, multi-policy, and homeowner.
• Liberty Mutual has savings for new vehicle discount, hybrid vehicle, multi-policy, newly married, multi-car, exclusive group savings, and teen driver discount.
• Auto-Owners Insurance offers premium reductions for safe driver, anti-lock brakes, mature driver, good student, paperless, and safe vehicle.
• GEICO may offer discounts for seat belt use, emergency military deployment, anti-theft, driver training, and multi-policy.

When getting free Fort Wayne car insurance quotes, it’s a good idea to each company or agent how you can save money. All car insurance discounts might not be offered in your state. If you would like to view companies who offer insurance discounts in Fort Wayne, click this link.

Insurance statistics for a Chevy Silverado 3500HD

The premium information shown next highlights different coverage prices for Chevy Silverado 3500HD models. Learning as much as possible about how car insurance premiums are formulated can be useful when making decisions on the best policy to buy.

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Prices do not factor in specific zip code location which can affect insurance rates substantially.

Rate comparison for different deductibles

One of the most common insurance questions is at what level do you set your deductibles. The comparison tables below summarize the cost difference when you select higher and lower comp and collision deductibles. The first pricing table uses a $100 deductible and the second rate chart uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rates do not factor in your specific Fort Wayne location which can impact prices greatly.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you roughly $36 more each month or $432 annually than quoting the higher $1,000 deductible. Since you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you go at a minimum 25 months between claim filings, you would come out ahead going with the higher deductible.

The example below highlights how deductible selection and can increase or decrease Chevy Silverado 3500HD insurance prices for each age group. The rates are based on a married male driver, comprehensive and collision coverage, and no discounts are applied.

Get rate quotes but still have a local Fort Wayne insurance agent

Some consumers still like to get advice from a local agent and there is nothing wrong with that. Professional insurance agents are highly skilled in risk management and help you file claims. The best thing about comparing rates online is you can get cheap car insurance quotes and still have an agent to talk to. Buying from and supporting local agencies is especially important in Fort Wayne.

By using this simple form, the quote information is submitted to agents in your area that can give you free Fort Wayne car insurance quotes for your car insurance coverage. It makes it easy because there is no need to visit any agencies since price quotes are sent to the email address you provide. If you have a need to get a comparison quote for a specific company, just navigate to their website and fill out the quote form the provide.

Two different types of car insurance agents

When looking for a local insurance agency, you need to know there are two types of insurance agents and how they work. Car insurance policy providers are either exclusive or independent. Either one can write car insurance policies, but it’s important to know the difference in how they write coverage because it can impact the selection process.

Independent Car Insurance Agents

Independent agencies are not restricted to one company and that enables them to quote your coverage amongst many companies and find the cheapest rate. If they find a cheaper price, your agent can switch companies and the insured can keep the same agent.

When comparing car insurance prices, you should always get several quotes from several independent insurance agents to have the most options to choose from. Most have the option of insuring with smaller companies which may provide better rates.

The following are independent agents in Fort Wayne who may be able to give you price quotes.

• GMI Insurance
  6110 Bluffton Rd #110 – Fort Wayne, IN 46809 – (260) 478-9405 – View Map
• Affordable Agency Inc
  2314 Lake Ave – Fort Wayne, IN 46805 – (260) 485-2526 – View Map
• Real Estate Agents Health Insurance Direct
  8411 Clinton Park Dr – Fort Wayne, IN 46825 – (855) 343-7344 – View Map

More Fort Wayne agents

Exclusive Agencies

These type of agents write business for a single company and some examples include State Farm or Allstate. They usually cannot compare rates from other companies so always compare other rates. These agents are well trained in insurance sales which can be an advantage. A lot of people use the same agent primarily because of the brand name and the convenience of having all coverages with one company.

Shown below are exclusive agencies in Fort Wayne willing to provide price quotes.

• Larry Ice II – State Farm Insurance Agent
  6221 Maplecrest Rd – Fort Wayne, IN 46835 – (260) 484-8572 – View Map
• Farmers Insurance – Larry Elliott
  7529 W Jefferson Blvd – Fort Wayne, IN 46804 – (260) 434-1952 – View Map
• Terry Anderson – State Farm Insurance Agent
  5668 St Joe Rd – Fort Wayne, IN 46835 – (260) 486-8663 – View Map

More Fort Wayne agents

Selecting a car insurance agent should include more criteria than just the quoted price. Ask your prospective agent these questions:

• Do they see any coverage gaps in your plan?
• Are there any discounts for paying up front?
• Can glass repairs be made at your home?
• Does the agency provide any after hours assistance?
• Does the agency have a positive business rating?
• Do you qualify for any additional discounts?
• How much will you save each year by using a higher deductible?
• Do they get extra compensation for selling add-on coverages?

If you get reasonable responses to your questions as well as cheaper Silverado 3500HD insurance quotes, you have narrowed it down to an auto insurance agent that is reputable and can properly insure your vehicles. It’s important to know that once you purchase a policy you can cancel coverage at any point so don’t think you are locked into your new company with no way out.

Chevy Silverado 3500HD Insurance Prices Can Be Reduced

Part of the insurance buying process is learning some of the elements that play a part in calculating your policy premiums. When consumers understand what determines base rates, this allows you to make educated decisions that will entitle you to lower premium levels.

Don’t abuse insurance claims – Car insurance companies in Indiana generally give the best rates to people who only file infrequent claims. If you are a frequent claim filer, you can pretty much guarantee much higher rates or policy non-renewal. Insurance coverage is intended for more catastrophic claims.

Does car insurance cost more for men? – Over the last 50 years, statistics have shown women are more cautious behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Men and women have fender benders in similar numbers, but the males cause more damage and cost insurance companies more money. In addition to higher claims, males also get more serious tickets like reckless driving and DUI. Youthful male drivers cause the most accidents so they pay the highest premiums.

The chart below illustrates the comparison of Chevy Silverado 3500HD annual premium costs for male and female drivers. The premium estimates are based on no claims or violations, comprehensive and collision coverage, $100 deductibles, single marital status, and no policy discounts are applied.

Companies want multiple policies – Most larger companies allow a discount to buyers who carry more than one policy such as combining an auto and homeowners policy. This can amount to ten or even up to twenty percent in some cases. Even with this discount, consumers should still comparison shop to help ensure you have the lowest rates. Drivers may still save even more by buying insurance from a different company.

Alarms and GPS tracking lowers insurance rates – Driving a car with anti-theft technology or alarm system can earn a premium discount. Advanced theft deterrents like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop your car from being stolen.

Coverage deductibles are a factor – Your deductibles define the amount you are willing to pay out-of-pocket before a claim is paid by your company. Protection for physical damage, also called comprehensive and collision insurance, covers damage that occurs to your car. Some instances where coverage would apply could be collision with another vehicle, damage from fire, and damage caused by road hazards. The more money the insured has to pay upfront, the less money you will pay for insurance.

Is your vehicle built for speed? – The performance level of the car you need insurance for makes a significant difference in your premium level. The most favorable rates are generally reserved for lower cost passenger cars, but the cost you end up paying is determined by many additional factors.

The data below uses these variables: married male driver age 30, full coverage with $1000 deductibles, and no discounts or violations. It shows Chevrolet Silverado 3500HD car insurance rates compared to other vehicles that have a range of performance risks.

Lower rates for safer cars – Vehicles with good safety scores tend to have lower insurance rates. Safe vehicles result in less severe injuries and lower rates of occupant injuries translates into savings for insurance companies and lower rates for you. If your Chevy Silverado 3500HD is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.

Choosing the best vehicle insurance in Indiana is an important decision

Despite the high cost of buying insurance for a Chevy Silverado 3500HD in Fort Wayne, paying for insurance is required in Indiana but it also protects you in many ways.

• Most states have mandatory insurance requirements which means state laws require specific limits of liability insurance if you want to drive legally. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you have a loan on your Silverado 3500HD, it’s most likely the lender will make it mandatory that you buy full coverage to protect their interest in the vehicle. If the policy lapses, the bank will be required to insure your Chevy at a much higher rate and force you to reimburse them much more than you were paying before.
• Insurance protects both your vehicle and your assets. Insurance will also pay for all forms of medical expenses for not only you but also any passengers injured in an accident. Liability insurance also pays for attorney fees and expenses if you are sued as the result of an accident. If your Chevy gets damaged, your insurance policy will pay to repair the damage minus the deductible amount.

The benefits of having insurance are definitely more than the cost, specifically if you ever have a liability claim. In a recent study of 1,000 drivers, the average customer is wasting up to $750 every year so we recommend shopping around at least once a year to save money.

Compare. Compare. Compare.

Some insurance companies do not offer the ability to get quotes online and these regional insurance providers only sell coverage through independent agents. Budget-conscious Chevy Silverado 3500HD insurance can be found from both online companies as well as from independent agents in Fort Wayne, and you need to price shop both so you have a total pricing picture.

When trying to cut insurance costs, you should never reduce coverage to reduce premium. In too many instances, drivers have reduced liability coverage limits only to regret that the small savings ended up costing them much more. Your strategy should be to find the BEST coverage at the lowest possible cost while not skimping on critical coverages.

Consumers change insurance companies for many reasons like extreme rates for teen drivers, delays in paying claims, not issuing a premium refund or unfair underwriting practices. It doesn’t matter why you want to switch switching auto insurance companies can be easier than you think.

How to find affordable quotes for Chevy Silverado 3500HD insurance in Fort Wayne

Truthfully, the best way to get more affordable auto insurance rates in Fort Wayne is to regularly compare prices from insurers who sell insurance in Indiana. Rate comparisons can be done by completing these steps.

• First, try to learn a little about policy coverages and the things you can control to prevent expensive coverage. Many risk factors that cause rate increases like your driving record and a low credit rating can be amended by making minor changes in your lifestyle.
• Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from one company like Progressive or State Farm, while independent agencies can quote rates from multiple companies.
• Third, compare the price quotes to your existing policy to determine if switching companies saves money. If you find a lower rate and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

One key aspect when comparing rates is to use the same amount of coverage on each quote request and and to look at as many different companies as possible. Doing this helps ensure an apples-to-apples comparison and the best rate selection.

More tips and info about auto insurance can be found in these articles:

• Top Signs Your Brakes are Giving Out (State Farm)
• What Insurance is Cheapest for Infrequent Drivers in Fort Wayne? (FAQ)
• Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
• What are my Rights when Filing a Claim? (Insurance Information Institute)
• Electronic Stability Control FAQ (iihs.org)