How many years has it been since you compared more competitive car insurance rates in San Diego, CA? San Diego buyers have lots of choices when searching for affordable Chevy Silverado 3500HD insurance. You can either spend your time contacting agents to compare prices or save time using the internet to find the lowest rates.
There is a right way and a wrong way to shop for car insurance so we’re going to tell you the quickest way to price shop coverage for your Chevy and locate the lowest possible price.
Consumers should take time to price shop coverage every six months since prices tend to go up over time. Just because you found the best deal on Chevy Silverado 3500HD insurance in San Diego a year ago other companies may now be cheaper. Ignore everything you know about car insurance because we’re going to demonstrate the tricks you need to know to reduce your cost while improving coverage.
If you have insurance now or are shopping for new coverage, you can use these techniques to get lower rates without reducing coverage. Our goal in writing this article help you learn the most effective way to quote insurance and also pocket some savings Drivers just have to know the most effective way to compare different rates over the internet.
Car insurance policy discounts you can’t miss
The cost of insuring your cars can be expensive, but you might be missing out on some discounts to help bring down the price. Many discounts should be triggered at the time you complete a quote, but a few need to be asked for before they will apply.
- Military Discounts – Being on active duty in the military may lower your car insurance rates slightly.
- Distant Student – Kids who live away from home at college and do not have access to a covered vehicle may qualify for this discount.
- Use Seat Belts – Drivers who always wear seat belts and also require passengers to use a seat belt may be able to save a few bucks on the medical payments or PIP coverage costs.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles have fewer accidents and qualify for as much as a 10% discount.
- Discounts for Responsible Drivers – Safe drivers could pay up to 40% less compared to accident prone drivers.
- Discounts for Federal Employees – Simply working for the federal government can save as much as 8% depending on your car insurance provider.
- Paperwork-free – A few larger companies will provide an incentive just for signing your application on your computer.
- Senior Citizen Rates – Drivers that qualify as senior citizens can possibly qualify for a discount up to 10%.
- Accident Forgiveness Coverage – This one is not really a discount per se, but a handful of insurance companies allow you one accident before hitting you with a surcharge if you have no claims for a particular time prior to the accident.
- Club Memberships – Belonging to certain professional organizations could earn you a nice discount when getting a San Diego car insurance quote.
A quick disclaimer, some of the credits will not apply to the whole policy. Most cut the cost of specific coverages such as comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, it’s just not the way it works.
Companies and their offered discounts include:
- GEICO policyholders can earn discounts including defensive driver, membership and employees, emergency military deployment, five-year accident-free, and good student.
- Mercury Insurance has savings for location of vehicle, accident-free, multi-policy, annual mileage, ease of repair, and professional/association.
- Farmers Insurance offers premium reductions for multi-car, youthful driver, business and professional, alternative fuel, mature driver, and pay in full.
- Auto-Owners Insurance offers discounts including multiple vehicles, paperless, company car, good student, and multi-policy.
- Liberty Mutual offers discounts for new move discount, teen driver discount, hybrid vehicle, newly married, and new graduate.
- SAFECO may offer discounts for homeowner, multi-car, accident prevention training, drive less, teen safe driver, safe driver, and bundle discounts.
- Progressive has discounts for online signing, homeowner, good student, online quote discount, and continuous coverage.
- USAA discounts include multi-policy, safe driver, military installation, annual mileage, loyalty savings, defensive driver, and good student.
If you are trying to find low cost San Diego car insurance quotes, ask every company how many discounts you can get. Discounts may not be available in your state. To see providers that offer discounts in San Diego, click here to view.
Finding more affordable Chevy Silverado 3500HD insurance rates is an easy way to save money. You just need to spend a few minutes comparing free San Diego car insurance quotes to discover which company has the cheapest Chevrolet Silverado 3500HD rate quotes.
The companies shown below can provide free quotes in San Diego, CA. If multiple companies are listed, we suggest you visit two to three different companies to find the most affordable car insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 3500HD LT Crew Cab 4WD | $334 | $664 | $530 | $32 | $158 | $1,718 | $143 |
| Silverado 3500HD LT Extended Cab 4WD | $268 | $522 | $520 | $30 | $156 | $1,496 | $125 |
| Silverado 3500HD LT Crew Cab 2WD | $420 | $780 | $534 | $32 | $160 | $1,926 | $161 |
| Silverado 3500HD LTZ Crew Cab 2WD | $296 | $454 | $416 | $24 | $124 | $1,314 | $110 |
| Silverado 3500HD LT Crew Cab Diesel 2WD | $252 | $482 | $464 | $28 | $138 | $1,364 | $114 |
| Silverado 3500HD LTZ Crew Cab Diesel 2WD | $430 | $718 | $456 | $26 | $136 | $1,766 | $147 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Price estimates do not factor in specific location information which can impact auto insurance rates greatly.
Analysis of deductible levels
When shopping for auto insurance, a common question is what deductibles to buy. The following tables show how much more you’ll pay when you buy lower versus higher insurance deductibles. The first pricing table uses a $250 deductible for physical damage and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 3500HD LT Crew Cab 4WD | $430 | $780 | $552 | $32 | $166 | $1,985 | $165 |
| Silverado 3500HD LT Extended Cab 4WD | $430 | $780 | $552 | $32 | $166 | $1,985 | $165 |
| Silverado 3500HD LT Crew Cab 2WD | $430 | $678 | $442 | $26 | $132 | $1,733 | $144 |
| Silverado 3500HD LTZ Crew Cab 2WD | $474 | $678 | $442 | $26 | $132 | $1,777 | $148 |
| Silverado 3500HD LT Crew Cab Diesel 2WD | $474 | $780 | $442 | $26 | $132 | $1,879 | $157 |
| Silverado 3500HD LTZ Crew Cab Diesel 2WD | $474 | $780 | $442 | $26 | $132 | $1,879 | $157 |
| 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 | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Premium amounts do not factor in specific zip code location which can lower or raise prices substantially.
We can estimate from the data above that using a $250 deductible would cost the average driver about $21 more each month or $252 annually than selecting the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at least 12 months between claim filings, you would come out ahead by selecting a higher deductible. Here is a better example of how this determination is made.
| Average monthly premium for $250 deductibles: | $156 |
| Average monthly premium for $500 deductibles (subtract): | – $135 |
| Monthly savings from raising deductible: | $21 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $21 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 12 months |
Which policy gives me the best coverage?
When quoting and comparing a policy, there isn’t really a cookie cutter policy. Every situation is different and a cookie cutter policy won’t apply.
For example, these questions might point out if you could use an agent’s help.
- Is my vehicle covered by my employer’s policy when using it for work?
- What can I do if my company won’t pay a claim?
- Can I get a multi-policy discount?
- What is no-fault insurance?
- How high should my uninsured/underinsured coverage be in California?
- Should I sign the liability waiver when renting a car?
- Is my dog or cat covered if injured in an accident?
If you can’t answer these questions, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and can help protect your family.
Auto insurance agents can help
A lot of people would rather get advice from a local agent and that is a smart decision Good insurance agents are very good at helping people manage risk and help you file claims. An additional benefit of getting free rate quotes online is that drivers can save money and get cheap auto insurance quotes and still have an agent to talk to. And providing support for small agencies is important especially in San Diego.
For easy comparison, once you complete this simple form, the quote information is emailed to local insurance agents that can give you free San Diego car insurance quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to contact any agents due to the fact that quote results will go instantly to you. If you need to get a comparison quote from a particular provider, don’t hesitate to jump over to their website and fill out the quote form the provide.
If you want to buy auto insurance from a reliable insurance agency, you should know the different agency structures and how they are slightly different. Auto insurance agents are classified as either independent (non-exclusive) or exclusive. Both insure your vehicles, but it’s important to point out the subtle differences because it can impact the type of agent you choose.
Independent Auto Insurance Agents
Agents that elect to be independent do not have single company limitations and that gives them the ability to insure amongst many companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your policy is moved internally without you having to go to a different agency. When comparing rates, you should always get insurance quotes from independent agents for maximum quote selection. They often place coverage with smaller mutual companies that many times have cheaper rates.
Featured below are San Diego independent agencies who may be able to give you competitive price quotes.
- Kostyo Insurance Agency
4456 Vandever Ave #10 – San Diego, CA 92120 – (619) 325-3600 – View Map - Leavitt Group – Leavitt Insurance Agency of San Diego
3636 Nobel Dr #100 – San Diego, CA 92122 – (858) 436-2441 – View Map - Nationwide Insurance: Richard Turner Insurance Agency
3443 Camino del Rio S #221 – San Diego, CA 92108 – (619) 296-6222 – View Map
Exclusive Agents
Agents of this type write business for a single company and examples are State Farm, Allstate and AAA. Exclusive agencies are unable to compare other company’s rates so keep that in mind. These agents are usually well trained on the products they sell which helps them sell insurance even at higher premiums. Consumers often use the same agent partially due to loyalty to the company rather than having the cheapest rates.
The following is a short list of exclusive insurance agencies in San Diego who can help you get price quotes.
- Allstate Insurance: Philip Mullane
3555 Rosecrans St Ste 202 – San Diego, CA 92110 – (619) 223-2191 – View Map - Mike Foley – State Farm Insurance Agent
5210 Balboa Ave, Ste A1 – San Diego, CA 92117 – (858) 277-1400 – View Map - Allstate Insurance: Brian McMullen
4455 Lamont St #1 – San Diego, CA 92109 – (858) 274-2377 – View Map
Finding the right insurance agency requires more thought than just the price. You should also get answers to these questions.
- What discounts might you be missing?
- If independent agents, which companies do they recommend?
- Is the agent and/or agency licensed to do business in California?
- Does the agency have a current Errors and Omissions policy?
- Does the company have a local claim office in San Diego?
- Do they specialize in personal lines auto insurance in San Diego?
If you receive answers to your satisfaction to any questions you may have as well as offering an affordable quote, chances are good that you have found an insurance agency that will provide auto insurance coverage.
More effort can pay off
Cheaper insurance in San Diego can be bought both online in addition to local insurance agencies, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers may not have internet price quotes and most of the time these smaller providers only sell coverage through local independent agencies.
We just presented a lot of information how to save on Chevy Silverado 3500HD insurance in San Diego. The most important thing to understand is the more you quote San Diego car insurance, the better your chances of lowering your rates. Drivers may even discover the lowest prices are with a smaller regional carrier. These smaller insurers may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm and Allstate.
Additional insurance information can be read below:
- Insuring a Leased Car (Insurance Information Institute)
- Vehicle Size and Weight FAQ (iihs.org)
- Credit Impacts Car Insurance Rates (State Farm)