How to Save on Columbus Chevy Silverado Insurance

Are you trying to find cheaper auto insurance rates in Columbus, OH? Columbus drivers have options when trying to find the lowest priced Chevy Silverado insurance. You can either waste hours struggling with agents to compare prices or leverage the internet to make rate comparisons. There are both good and bad ways to shop for auto insurance and you need to know the best way to compare rates for a new or used Chevy and get the cheapest rates either online or from Columbus insurance agents.

It’s a good idea to get comparison quotes periodically since prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best rates on Chevy Silverado insurance in Columbus six months ago you can probably find a lower rate today. Forget all the misinformation about auto insurance because I’m going to teach you the fastest way to find lower rates on auto insurance.

Do you qualify for discounts on Chevy Silverado insurance in Columbus?

Not many people think insurance is cheap, but there may be some discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically at the time of purchase, but occasionally some discounts must be specially asked for before you get the savings.

• Defensive Driver Discounts – Passing a driver safety course may get you a small discount and easily recoup the cost of the course.
• Columbus Homeowners Pay Less – Owning your own home or condo can save you money since owning and maintaining a home requires a higher level of personal finance.
• Discounts for Cautious Drivers – Insureds who avoid accidents can save as much as half off their rates than less cautious drivers.
• Good Students Pay Less – Excelling in school may save you up to 25%. Many companies even apply the discount to college students up until you turn 25.
• Anti-theft System – Cars and trucks that have factory anti-theft systems are stolen less frequently and will save you 10% or more on Silverado insurance in Columbus.
• Discounts for Seat Belt Usage – Drivers who require all occupants to buckle up before driving can save 10% or more off the medical payments premium.
• Low Mileage Discounts – Driving less could earn substantially lower premium rates.
• Distant Student Discount – Kids who are enrolled in higher education away from home and leave their car at home may be insured at a cheaper rate.
• Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
• Government Employee Discount – Employees or retirees of the government could provide a small rate reduction with a few insurance companies.

Keep in mind that most discounts do not apply to the whole policy. Some only apply to the price of certain insurance coverages like medical payments or collision. So even though you would think you could get a free insurance policy, companies don’t profit that way.

The information below illustrates the comparison of Chevy Silverado auto insurance rates with and without discounts applied. Data assumes a male driver, no claims or driving citations, Ohio state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, claim-free, multi-policy, safe-driver, and multi-car discounts applied.

A list of insurance companies and some of the discounts are included below.

• 21st Century has discounts for student driver, early bird, good student, air bags, and driver training.
• State Farm may have discounts that include anti-theft, driver’s education, passive restraint, multiple autos, accident-free, and Steer Clear safe driver discount.
• AAA has savings for good driver, pay-in-full, AAA membership discount, multi-car, anti-theft, and good student.
• Liberty Mutual includes discounts for newly married, new move discount, exclusive group savings, newly retired, new vehicle discount, and new graduate.
• Progressive may offer discounts for good student, online quote discount, multi-policy, multi-vehicle, and homeowner.

If you want affordable Columbus car insurance quotes, ask every company which discounts they offer. Some discounts listed above may not be offered in Columbus. If you would like to see a list of providers that have a full spectrum of discounts in Columbus, click here.

Most larger insurance companies allow consumers to get price estimates from their websites. Getting quotes for Chevy Silverado insurance in Columbus doesn’t take a lot of time because it’s just a matter of typing in your personal and coverage information as requested by the quote form. Upon sending the form, their rating system will obtain your credit score and driving record and generates a price.

This simplifies rate comparisons, and it is important to perform this step in order to find affordable car insurance pricing.

To compare pricing, consider comparing rates from the companies shown below. If you have a policy now, it’s recommended you duplicate deductibles and limits identical to your current policy. This makes sure you will get a price comparison for exact coverage.

The providers in the list below offer comparison quotes in Columbus, OH. If more than one company is shown, we suggest you get price quotes from several of them to get a more complete price comparison.

Coverage analysis

The data table displayed next highlights different coverage costs for Chevy Silverado models. Having knowledge of how insurance prices are figured can benefit drivers when making informed decisions when comparing rate quotes.

Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Information does not factor in the specific area where the vehicle is garaged which can impact prices greatly.

Yearly car insurance costs for men versus women

The diagram below shows the difference between Chevy Silverado auto insurance costs for male and female drivers. The premiums are based on no accidents, no driving violations, comprehensive and collision coverage, $1,000 deductibles, drivers are single, and no other discounts are factored in.

Price comparison of only insuring for liability

The example below compares Chevy Silverado insurance costs with and without full coverage. The premiums assume no tickets, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are applied.

When to drop comprehensive and collision

There is no definitive formula for eliminating comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is more than 10% of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your Chevy Silverado claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $7,000 after paying your policy deductible. If premiums are more than $700 annually for your policy with full coverage, then it could be time to drop full coverage.

There are some cases where dropping physical damage coverage is not advised. If you still have a lienholder on your title, you are required to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Car insurance quotes from local neighborhood Columbus car insurance agents

Certain consumers would rather sit down with an agent and that is a smart decision Agents can make sure you are properly covered and will help you if you have claims. One of the best bonuses of comparing rates online is that drivers can save money and get better rates but also keep your business local.

After completing this quick form, the quote information is emailed to companies in Columbus that provide free Columbus car insurance quotes for your insurance coverage. It’s much easier because you don’t need to search for an agent because prices are sent directly to your email. If you have a need to quote rates from a specific car insurance provider, feel free to go to their quote page and give them your coverage information.

Picking an provider requires more thought than just the bottom line cost. These are valid questions to ask:

• Can you use your own choice of collision repair facility?
• Do they specialize in personal lines auto insurance in Columbus?
• Do they see any coverage gaps in your plan?
• Is insurance their full-time profession?
• Who is covered by the car insurance policy?

Below is a short list of car insurance companies in Columbus that may be willing to give price quote information for Chevy Silverado insurance in Columbus.

• Bruce Rothermund – State Farm Insurance Agent
  50 Northwoods Blvd – Columbus, OH 43235 – (614) 888-5830 – View Map
• Gardiner Allen DeRoberts Insurance LLC
  777 Goodale Blvd – Columbus, OH 43212 – (614) 221-1500 – View Map
• Henderson Insurance Inc
  3620 N High St #105 – Columbus, OH 43214 – (614) 884-0970 – View Map
• Danny Hilton – State Farm Insurance Agent
  3276 Morse Rd b – Columbus, OH 43231 – (614) 475-8808 – View Map

View more Columbus agents

The coverage is in the details

Understanding the coverages of a insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Collision coverage – Collision insurance pays for damage to your Silverado resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as sustaining damage from a pot hole, crashing into a building, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible on your Silverado to bring the cost down.

Comprehensive insurance – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like fire damage, damage from a tornado or hurricane and a broken windshield. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability insurance – Liability insurance can cover damage or injury you incur to a person or their property in an accident. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property.

Liability insurance covers things such as emergency aid, structural damage, repair costs for stationary objects and attorney fees. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford. Ohio requires drivers to carry at least 25/50/25 but drivers should carry more coverage.

The illustration below demonstrates why buying low liability limits may not be high enough to adequately cover claims.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your Chevy Silverado.

Since many Ohio drivers carry very low liability coverage limits (25/50/25 in Ohio), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for bills for things like surgery, chiropractic care and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

One last thing about your coverage

When buying insurance coverage, do not skimp on critical coverages to save a buck or two. In many instances, an insured cut full coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your objective should be to find the BEST coverage at the best possible price while not skimping on critical coverages.

People switch companies for a number of reasons such as extreme rates for teen drivers, high prices, policy non-renewal and even poor customer service. No matter why you want to switch, finding a new company is pretty simple and you could end up saving a buck or two.

Lower-priced car insurance in Columbus is attainable both online and also from your neighborhood Columbus agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who do not offer online price quotes and usually these regional carriers work with independent agents.

Steps to finding affordable Chevy Silverado insurance in Columbus

The recommended way to get the cheapest Chevy Silverado insurance is to annually compare prices from providers who provide auto insurance in Columbus. Rates can be compared by following these guidelines.

Step 1: Learn about how your policy works and the things you can control to drop your rates. Many policy risk factors that result in higher prices such as traffic violations and a low credit rating can be improved by making minor changes to your lifestyle.

Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO and Allstate, while agents who are independent can provide rate quotes from multiple companies. View companies

Step 3: Compare the price quotes to the price on your current policy and determine if there is any savings. If you find a lower rate and switch companies, verify that coverage does not lapse between policies.

Step 4: Give proper notification to your current agent or company of your decision to cancel your existing policy. Submit a down payment and signed policy application for your new policy. Immediately upon receiving it, put the new certificate of insurance with your registration paperwork.

The most important part of shopping around is to try to use the same level of coverage on every quote request and and to get prices from every company you can. This ensures a fair price comparison and and a good selection of different prices.

To read more, take a look at the resources below:

• Get the Right Protection (InsureUonline.org)
• Who Has Cheap Car Insurance Rates for a Learners Permit in Columbus? (FAQ)
• Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)
• Rental Reimbursement Coverage (Allstate)
• How to Avoid Common Accidents (State Farm)
• Collision Insurance Coverage (Nationwide)