It takes a little time, but the best way to get more affordable car insurance rates in Lexington is to do a yearly price comparison from different companies who sell auto insurance in Kentucky. You can shop around by completing these steps.
First, take a few minutes and learn about coverages and the things you can control to lower rates. Many rating criteria that result in higher prices such as your driving record and a low credit rating can be remedied by making lifestyle changes or driving safer. This article provides ideas to help keep rates affordable and find additional discounts you may qualify for.
Second, compare prices from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from a single company like Progressive or State Farm, while independent agents can quote rates for a wide range of insurance providers.
Third, compare the new quotes to the price on your current policy to determine if you can save on Silverado 3500HD insurance in Lexington. If you find better rates and buy the policy, ensure coverage does not lapse between policies.
Fourth, notify your company or agent of your intention to cancel your existing policy and submit a signed application and payment to your new company or agent. Immediately place the new certificate verifying proof of insurance in a readily accessible location in your vehicle.
A good tip to remember is that you’ll want to make sure you compare identical deductibles and limits on each quote request and and to compare all possible companies. This helps ensure a fair price comparison and plenty of rates choose from.
Everyone knows that insurance companies don’t want their customers to go rate shopping. Insureds who compare rates annually are inclined to move their business because there is a high probability of finding discount prices. A recent study showed that people who compared prices regularly saved $865 annually as compared to drivers who never shopped around.
If finding the cheapest rates on Chevy Silverado 3500HD insurance is your ultimate target, then learning about how to shop and compare cheaper coverage can save time, money, and frustration.
If you have a current car insurance policy or just want to save money, you can use these tips to find the best rates without sacrificing coverage. These techniques will let you in on how insurance works and some money-saving tips. Shoppers only need to know the quickest way to compare rates from many different companies.
Most larger insurance companies provide coverage price quotes direct online. Getting online rates for Chevy Silverado 3500HD insurance in Lexington is fairly simple as all you need to do is type in the coverages you want as detailed in the form. After the form is submitted, the quote system makes automated requests for credit information and your driving record and generates a price.
Getting online quotes for Chevy Silverado 3500HD insurance in Lexington makes it simple to compare prices and it’s also necessary to perform this step in order to get cheap rates.
To compare pricing, check out the car insurance providers below. If you have your current policy handy, we recommend you replicate the insurance coverages as close as possible to your current policy. This guarantees you are getting a fair comparison based on the exact same insurance coverage.
The following companies can provide comparison quotes in Lexington, KY. If your goal is to find cheap auto insurance in Lexington, KY, it’s a good idea that you visit several of them in order to get a fair rate comparison.
These seven discounts can lower your auto insurance rates
Some insurers don’t always list the complete list of policy discounts in a way that’s easy to find, so the below list has both well-publicized and the harder-to-find credits available to you.
- New Car Discount – Insuring a new Silverado 3500HD can cost up to 25% less because new vehicles keep occupants safer.
- No Charge for an Accident – Not necessarily a discount, but a few companies such as Progressive, Allstate, and Liberty Mutual will let one accident slide without the usual rate increase so long as you haven’t had any claims for a certain period of time.
- Save with More Vehicles Insured – Having all your vehicles with one company can get a discount on all vehicles.
- Government Employees – Active or retired federal employment can save as much as 8% depending on your company.
- Onboard Data Collection – Insureds that choose to allow driving data collection to analyze their driving habits by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if their driving habits are good.
- Discount for Low Mileage – Low annual miles can earn lower auto insurance rates on the low mileage vehicles.
- Club Memberships – Being a member of certain professional organizations could trigger savings on your policy.
As a disclaimer on discounts, many deductions do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.
The example below compares Chevy Silverado 3500HD car insurance rates with and without discounts. The premium estimates are based on a male driver, a clean driving record, no claims, Kentucky state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, claim-free, homeowner, multi-car, and marriage discounts applied.
To find providers that have a full spectrum of discounts in Kentucky, follow this link.
Car insurance statistics and figures
The premium information displayed below highlights different coverage costs for Chevy Silverado 3500HD models. Being aware of how car insurance prices are calculated can be valuable when making decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 3500HD LT Crew Cab 4WD | $198 | $386 | $384 | $22 | $114 | $1,104 | $92 |
| Silverado 3500HD LT Extended Cab 4WD | $198 | $386 | $384 | $22 | $114 | $1,104 | $92 |
| Silverado 3500HD LT Crew Cab 2WD | $198 | $336 | $306 | $18 | $92 | $950 | $79 |
| Silverado 3500HD LTZ Crew Cab 2WD | $218 | $336 | $306 | $18 | $92 | $970 | $81 |
| Silverado 3500HD LT Crew Cab Diesel 2WD | $218 | $386 | $306 | $18 | $92 | $1,020 | $85 |
| Silverado 3500HD LTZ Crew Cab Diesel 2WD | $218 | $386 | $306 | $18 | $92 | $1,020 | $85 |
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Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Premium amounts do not factor in Lexington location which can increase or decrease coverage prices considerably.
The information below shows how different deductible levels and can impact Chevy Silverado 3500HD insurance rates for different age groups. The premiums assume a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Men versus women drivers and insurance cost
The information below illustrates the comparison of Chevy Silverado 3500HD auto insurance costs for male and female drivers. The data assumes no violations or accidents, full coverage, $100 deductibles, drivers are single, and no discounts are factored in.