The best way to get low-cost Chevy Silverado 2500HD insurance is to make a habit of comparing prices annually from insurers who sell auto insurance in Orlando.
- Try to learn about what is in your policy and the things you can control to keep rates low. Many things that cause rate increases like at-fault accidents, speeding tickets, and a bad credit rating can be controlled by paying attention to minor details.
- Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from one company like GEICO and State Farm, while independent agents can provide prices from multiple sources.
- Compare the new rates to your existing rates and determine if there is any savings. If you can save money, make sure there is no coverage gap between policies.
- Provide notification to your current agent or company of your intent to cancel your existing policy and submit a down payment and signed policy application to the newly selected company. Once received, keep your new proof of insurance certificate in your vehicle.
An important bit of advice to remember is that you’ll want to compare similar limits and deductibles on every quote request and and to look at as many auto insurance providers as possible. This guarantees the most accurate price comparison and a good representation of prices.
Anyone knows that insurance companies want to keep you from comparing rates. Insureds who compare rates once a year will, in all likelihood, buy a different policy because they stand a good chance of finding lower prices. Surprisingly, a recent survey revealed that drivers who shopped around annually saved approximately $3,450 over four years compared to drivers who never compared other company’s rates.
If finding budget-friendly car insurance is why you’re here, then having some knowledge of how to get price quotes and compare car insurance can make it simple to find affordable coverage.
Save a ton on Chevy Silverado 2500HD insurance in Orlando with these discounts
Some companies do not advertise the complete list of policy discounts in a way that’s easy to find, so below is a list some of the more common in addition to some of the lesser obvious savings tricks you should be using when you buy Orlando auto insurance online. If you are not receiving all the discounts you qualify for, it’s possible you qualify for a lower rate.
- Discounts for Safe Drivers – Insureds who avoid accidents can save as much as half off their rates compared to accident prone drivers.
- Multiple Cars – Insuring multiple cars on one policy can get a discount on all vehicles.
- Policy Bundle Discount – If you combine your auto and home policies with one company you may save up to 20% off your total Silverado 2500HD insurance premium.
- Mature Driver Discount – If you’re over the age of 55, you can get a discount up to 10%.
- Student Discounts – A discount for being a good student can earn a discount of 20% or more. The discount lasts until age 25.
One thing to note about discounts is that some credits don’t apply to the entire policy premium. Most cut the cost of specific coverages such as comprehensive or collision. So even though you would think adding up those discounts means a free policy, you’re out of luck.
The illustration below compares Chevy Silverado 2500HD annual premium costs with and without some available policy discounts. The rate quotes are based on a male driver, a clean driving record, no at-fault accidents, Florida state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, marriage, claim-free, safe-driver, and multi-policy discounts applied.
Companies who may offer these benefits are:
When getting free Orlando auto insurance quotes, it’s a good idea to all companies you are considering which discounts they offer. Some credits might not be offered in your area.
How to compare Orlando Chevy Silverado 2500HD insurance quotes
The companies shown below are our best choices to provide price comparisons in Florida. To locate cheaper auto insurance in Orlando, FL, it’s a good idea that you visit as many as you can in order to find the cheapest rates.
Rates and information analytics
The coverage table below showcases different coverage costs for Chevy Silverado 2500HD models. Learning how rate quotes are established can be useful when making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 2500HD LT Crew Cab 4WD | $216 | $454 | $542 | $32 | $162 | $1,406 | $117 |
| Silverado 2500HD LT Crew Cab 2WD | $216 | $524 | $612 | $36 | $184 | $1,572 | $131 |
| Silverado 2500HD LTZ Crew Cab 4WD | $216 | $454 | $542 | $32 | $162 | $1,406 | $117 |
| Silverado 2500HD LT Crew Cab Diesel 4WD | $240 | $524 | $542 | $32 | $162 | $1,500 | $125 |
| Silverado 2500HD LT Crew Cab Diesel 2WD | $240 | $524 | $612 | $36 | $184 | $1,596 | $133 |
| Silverado 2500HD LT Extended Cab Diesel 2WD | $240 | $524 | $612 | $36 | $184 | $1,596 | $133 |
| Silverado 2500HD LTZ Crew Cab 2WD | $240 | $524 | $612 | $36 | $184 | $1,596 | $133 |
| Silverado 2500HD LTZ Crew Cab Diesel 4WD | $240 | $524 | $542 | $32 | $162 | $1,500 | $125 |
| Silverado 2500HD LTZ Crew Cab Diesel 2WD | $240 | $592 | $612 | $36 | $184 | $1,664 | $139 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Price information does not factor in zip code location which can influence premiums noticeably.
An analysis of deductible level
A question often asked by Orlando drivers is how high or low should comp and collision deductibles be. The rates shown below summarize the rate difference when you select higher and lower deductibles. The first set of rates uses a $250 deductible for comp and collision and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 2500HD LT Crew Cab 4WD | $364 | $640 | $418 | $24 | $124 | $1,595 | $133 |
| Silverado 2500HD LT Crew Cab 2WD | $364 | $736 | $472 | $28 | $142 | $1,767 | $147 |
| Silverado 2500HD LTZ Crew Cab 4WD | $364 | $640 | $418 | $24 | $124 | $1,595 | $133 |
| Silverado 2500HD LT Crew Cab Diesel 4WD | $406 | $736 | $418 | $24 | $124 | $1,733 | $144 |
| Silverado 2500HD LT Crew Cab Diesel 2WD | $406 | $736 | $472 | $28 | $142 | $1,809 | $151 |
| Silverado 2500HD LT Extended Cab Diesel 2WD | $406 | $736 | $472 | $28 | $142 | $1,809 | $151 |
| Silverado 2500HD LTZ Crew Cab 2WD | $406 | $736 | $472 | $28 | $142 | $1,809 | $151 |
| Silverado 2500HD LTZ Crew Cab Diesel 4WD | $406 | $736 | $418 | $24 | $124 | $1,733 | $144 |
| Silverado 2500HD LTZ Crew Cab Diesel 2WD | $406 | $834 | $472 | $28 | $142 | $1,907 | $159 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 2500HD LT Crew Cab 4WD | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| Silverado 2500HD LT Crew Cab 2WD | $224 | $464 | $472 | $28 | $142 | $1,330 | $111 |
| Silverado 2500HD LTZ Crew Cab 4WD | $224 | $402 | $418 | $24 | $124 | $1,192 | $99 |
| Silverado 2500HD LT Crew Cab Diesel 4WD | $250 | $464 | $418 | $24 | $124 | $1,280 | $107 |
| Silverado 2500HD LT Crew Cab Diesel 2WD | $250 | $464 | $472 | $28 | $142 | $1,356 | $113 |
| Silverado 2500HD LT Extended Cab Diesel 2WD | $250 | $464 | $472 | $28 | $142 | $1,356 | $113 |
| Silverado 2500HD LTZ Crew Cab 2WD | $250 | $464 | $472 | $28 | $142 | $1,356 | $113 |
| Silverado 2500HD LTZ Crew Cab Diesel 4WD | $250 | $464 | $418 | $24 | $124 | $1,280 | $107 |
| Silverado 2500HD LTZ Crew Cab Diesel 2WD | $250 | $524 | $472 | $28 | $142 | $1,416 | $118 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Estimates do not factor in specific garaging location which can influence rates greatly.
Using the premium rates above, we can conclude that using a $250 deductible would cost the average driver about $37 more each month or $444 for a full year than requesting the higher $1,000 deductible. Since you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you average more than 20 months between claim filings, you would save money by selecting a higher deductible.
What if I want to buy from local Orlando insurance agents?
Many drivers still like to get professional advice from a licensed agent and that is recommended in a lot of cases Good insurance agents can answer important questions and will help you if you have claims. An additional benefit of comparing insurance prices online is you may find cheap car insurance rates and still have a local agent.
To find an agent, once you fill out this simple form, the quote information is sent to local insurance agents who can give free rate quotes for your business. You don’t have to leave your computer because quoted prices will be sent immediately to your email address. In the event you want to get a rate quote from a specific insurance company, feel free to visit that company’s website and complete a quote there.
Choosing an insurer should include more criteria than just a cheap quote. The questions below may impact your decision as well.
- What insurance company do they write the most business with?
- Where would glass claims be handled in Orlando?
- Is their price quote a firm figure or are their hidden costs?
- What is their Better Business Bureau rating?
- Is there a local claims center in Orlando?
- What discounts might you be missing?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- What companies can they write with?
Two types of auto insurance agents
If you want to use a good insurance agency, it can be helpful to understand the different types of agencies that you can select. Insurance agencies in Orlando are either independent agents or exclusive agents. Either type can write car insurance policies, but it’s worth learning the difference in how they write coverage because it can factor into the kind of agent you use.
Exclusive Agencies
Exclusive insurance agents can only write with one company such as Farmers Insurance, Allstate, or State Farm. Exclusive agents are unable to place coverage with different providers so you need to shop around if the rates are high. These agents are well schooled on sales techniques which can be an advantage.
Shown below is a list of exclusive agents in Orlando that can give you price quotes.
Alfredo Ortega – State Farm Insurance Agent
1118 Manor Dr – Orlando, FL 32807 – (407) 249-9999 – View Map
Jim Daniels – State Farm Insurance Agent
4759 S Conway Rd – Orlando, FL 32812 – (407) 855-6791 – View Map
Allstate Insurance: Amy Rossi
901 N Mills Ave – Orlando, FL 32803 – (407) 843-3333 – View Map
Independent Agents
Agents of this type often have many company appointments and that is an advantage because they can write policies with an assortment of companies and potentially find a lower price. To move your coverage to a new company, the business is moved internally and you don’t have to do anything. When comparing rates, you should always check rates from independent agents to maximize your price options.
The following are Orlando independent agencies who can help you get rate quotes.
Orlando Health Insurance Agent
7898 Canyon Lake Cir – Orlando, FL 32835 – (321) 446-6527 – View Map
Caple Howden Insurance Agency
10222 E Colonial Dr – Orlando, FL 32817 – (407) 657-8808 – View Map
WEGO Insurance Agency, Inc
520 N Semoran Blvd #270 – Orlando, FL 32807 – (407) 476-7972 – View Map
After receiving reasonable responses to these questions as well as a price you’re happy with, it’s a good possibility that you have found a car insurance agent that is reliable enough to properly service your car insurance policy.
Cheap auto insurance rates are possible
In this article, we presented some good ideas how to lower your Chevy Silverado 2500HD insurance car insurance rates in Orlando. The key thing to remember is the more times you quote, the better your comparison will be. Consumers may even find the best car insurance rates are with the least-expected company. Regional companies may have significantly lower premium rates on certain market segments than their larger competitors like State Farm, GEICO and Nationwide.
As you shop your coverage around, it’s a bad idea to sacrifice coverage to reduce premiums. In many cases, an accident victim reduced full coverage only to find out that it was a big error on their part. The aim is to find the BEST coverage at the best possible price but still have enough coverage for asset protection.
For more information, feel free to visit these articles:
- Tread Depth and Tire Safety (State Farm)
- Who Has Affordable Auto Insurance for College Graduates in Orlando? (FAQ)
- How Much are Orlando Auto Insurance Rates for Drivers with Bad Credit? (FAQ)
- Who Has the Cheapest Orlando Auto Insurance for Veterans? (FAQ)
- Who Has Cheap Orlando Car Insurance Quotes for a Ford Fusion? (FAQ)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- Determining Auto Insurance Rates (GEICO)
- Protecting Teens from Drunk Driving (Insurance Information Institute)