Chevy Silverado insurance image courtesy of QuoteInspector.com
Unbelievable but true according to a study a large majority of drivers have been with the same company for over three years, and practically 40% of auto insurance customers have never even shopped around for lower-cost coverage. The average driver in New Jersey could cut their rates by approximately $716 a year, but they underestimate how much money they would save if they moved their coverage to a different company.
If you want to find the absolute lowest rates, then the best way to save money on Chevy Silverado 3500HD insurance is to start comparing prices yearly from insurance carriers who can sell car insurance in Jersey City.
Step 1: Gain an understanding of how companies price auto insurance and the things you can control to prevent rate increases. Many things that cause high rates like speeding tickets, accidents and a substandard credit score can be remedied by being financially responsible and driving safely. Later in this article we will cover ideas to find cheap rates and find overlooked discounts.
Step 2: Quote rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like GEICO or Allstate, while independent agents can provide rate quotes from multiple companies.
Step 3: Compare the new rates to your existing policy to see if cheaper Silverado 3500HD coverage is available. If you find a lower rate quote, ensure there is no coverage lapse between policies.
Step 4: Give notification to your agent or company of your intent to cancel your existing policy and submit the completed application along with a down payment for the new coverage. Once received, put the proof of insurance certificate in a readily accessible location in your vehicle.
A good tip to remember is that you'll want to compare similar coverage information on every quote and and to get prices from as many different insurance providers as possible. This helps ensure an accurate price comparison and a better comparison of the market.
Choosing the best rates in Jersey City seems hard but is not really that difficult. Just about each driver who comparison shops for insurance will find better rates. Nevertheless, New Jersey car owners should learn how the larger insurance companies price online insurance.
Best companies for affordable Chevy Silverado 3500HD insurance in New Jersey
The following companies can provide price quotes in Jersey City, NJ. In order to find the best car insurance in Jersey City, it's highly recommended you click on several of them to get the cheapest price.
Chevy Silverado 3500HD coverage statistics
The price information shown below outlines different insurance policy prices for Chevy Silverado 3500HD models. Having a better understanding of how insurance prices are determined can be useful when making smart buying decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Silverado 3500HD LT Crew Cab 4WD||$222||$444||$564||$34||$170||$1,434||$120|
|Silverado 3500HD LT Extended Cab 4WD||$222||$444||$564||$34||$170||$1,434||$120|
|Silverado 3500HD LT Crew Cab 2WD||$222||$384||$452||$26||$136||$1,220||$102|
|Silverado 3500HD LTZ Crew Cab 2WD||$244||$384||$452||$26||$136||$1,242||$104|
|Silverado 3500HD LT Crew Cab Diesel 2WD||$244||$444||$452||$26||$136||$1,302||$109|
|Silverado 3500HD LTZ Crew Cab Diesel 2WD||$244||$444||$452||$26||$136||$1,302||$109|
|Get Your Own Custom Quote Go|
Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Price information does not factor in the specific area where the vehicle is garaged which can revise rates considerably.
The information below illustrates how your choice of deductibles and can influence Chevy Silverado 3500HD insurance premiums for different age categories. The premiums assume a single female driver, comprehensive and collision coverage, and no discounts are applied.
Impact of careless driving on Jersey City car insurance rates
The chart below shows how traffic citations and at-fault claims can increase Chevy Silverado 3500HD annual premium costs for different age groups. The data assumes a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.
Check for these premium slashing discounts
Companies don't necessarily list the entire discount list very well, so the list below gives a summary of a few of the more well known and also the more inconspicuous credits that you can use to lower your rates. If you are not receiving all the discounts available, you could be paying more than you need to.
- Discounts for Multiple Vehicles - Insuring multiple vehicles on one policy may reduce the rate for each vehicle.
- Drive Safe and Save - Safe drivers can pay as much as 50% less compared to rates paid by drivers with frequent claims.
- Theft Deterrent Discount - Anti-theft and alarm system equipped vehicles can help prevent theft and will save you 10% or more on Silverado 3500HD insurance in Jersey City.
- Auto/Home Discount - When you have multiple policies and insure them with the same company you may earn nearly 15% which can help you find cheaper Silverado 3500HD insurance.
- Driving Data Discount - Insureds who allow driving data submission to track driving habits by using a small device installed in their vehicle such as Allstate's Drivewise and State Farm's In-Drive system might see lower rates if they show good driving skills.
- No Accidents - Claim-free drivers get the best car insurance rates in comparison to frequent claim filers.
A little disclaimer on discounts, most of the big mark downs will not be given to the entire cost. Some only reduce individual premiums such as collision or personal injury protection. So even though they make it sound like you can get free auto insurance, it's just not the way it works.
The information below visualizes the comparison of Chevy Silverado 3500HD insurance costs with and without discounts. The information is based on a female driver, no accidents or driving violations, New Jersey state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, homeowner, multi-car, multi-policy, and marriage discounts applied.
Larger car insurance companies and the discounts they provide are outlined below.
- GEICO offers premium reductions for driver training, air bags, federal employee, membership and employees, multi-vehicle, and emergency military deployment.
- Mercury Insurance discounts include annual mileage, type of vehicle, low natural disaster claims, good driver, multi-car, anti-theft, and multi-policy.
- Farmers Insurance has discounts for good student, pay in full, business and professional, mature driver, switch companies, teen driver, and early shopping.
- Auto-Owners Insurance includes discounts for anti-lock brakes, company car, student away at school, mature driver, multi-policy, and safe vehicle.
- Liberty Mutual has savings for newly retired, new vehicle discount, newly married, preferred payment discount, teen driver discount, safety features, and exclusive group savings.
- SAFECO may have discounts that include accident prevention training, teen safe driver, drive less, homeowner, and multi-car.
- Progressive offers discounts including good student, online quote discount, continuous coverage, multi-vehicle, multi-policy, and online signing.
- USAA offers discounts for good student, new vehicle, family discount, defensive driver, safe driver, multi-policy, and vehicle storage.
When getting free Jersey City car insurance quotes, it's a good idea to every company to give you their best rates. Some of the earlier mentioned discounts may not apply to policies in your area. For a list of car insurance companies that offer many of these discounts in New Jersey, click here to view.
Reduce Insurance Rates with These Tips
Multiple criteria are used when premium rates are determined. Some factors are common sense like your driving record, but other criteria are less apparent like your vehicle usage and annual miles driven. Part of the auto insurance buying process is learning a few of the rating criteria that go into determining auto insurance rates. When you know what positively or negatively impacts premium levels, this enables you to make decisions that can help you get lower premium levels.
The factors shown below are some of the major factors used by companies to determine premiums.
Bundle policies with the same company - Some insurers will give a discount to people who buy several policies from them such as combining an auto and homeowners policy. Even if you already get this discount, consumers should still compare other company rates to make sure you are getting the best deal.There is a good possibility that you can find better rates even if you insure with multiple companies
When should you not file insurance claims? - If you file claims often, you can expect higher premiums or even policy non-renewal. Auto insurance companies in New Jersey provide better rates to people who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of the bigger claims that can't be paid out-of-pocket.
Cheaper to insure women? - The statistics show that females take fewer risks when driving. The data does not necessarily mean that men are worse drivers. Both sexes have auto accidents in similar percentages, but the male of the species cause more damage. Men also get more serious tickets such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 are most likely to cause an accident and therefore are the most expensive to insure.
The diagram below shows the comparison of Chevy Silverado 3500HD yearly insurance costs for male and female drivers. The data is based on a clean driving record, no claims, full physical damage coverage, $250 deductibles, single marital status, and no discounts are taken into consideration.
The type of car, truck or SUV makes a difference - The make and model of the vehicle you need insurance for makes a big difference in the rate you pay. The lowest performance passenger vehicles usually are quite affordable to insure, but the cost you end up paying is determined by many additional factors.
The following chart is based on a single male driver age 40, full coverage with $1000 deductibles, and no discounts or violations. The data compares Chevrolet Silverado 3500HD insurance rates compared to other vehicles that have different performances.
Insurance rates in urban areas - Being located in a rural area can be a good thing when buying auto insurance. Less people means fewer accidents. People who live in big cities regularly have more traffic problems and more time behind the wheel. More time on the road means more chance of being in an accident.
Local Jersey City insurance agents
Many drivers still like to have an agent's advice and that can be a great decision One of the benefits of comparing rate quotes online is you can get cheaper premium rates and still have an agent to talk to.
Once you complete this simple form, your coverage information is submitted to insurance agents in Jersey City who will give you quotes and help you find cheaper coverage. It's much easier because you don't need to search for an agent due to the fact that quote results will go to you. You can most likely find cheaper rates without having to waste a lot of time. In the event you want to compare prices from a particular provider, you would need to jump over to their website to submit a rate quote request.
Deciding on an provider requires more thought than just a low price. These questions are important to ask:
- Are they in the agency full-time?
- Do they specialize in personal lines coverage in Jersey City?
- How are claims handled?
- Are you getting all the discounts the company offers?
- When do they do a full risk review?
- How long has the business existed?
When looking for a reputable insurance agent or broker, it's helpful to know the types of insurance agents and how they can quote your rates. Agents may be either exclusive or independent.
Exclusive Auto Insurance Agencies
These type of agents generally can only insure with one company and examples are State Farm, Allstate, and Farm Bureau. These agents are unable to compare rates from other companies so keep that in mind. They receive extensive training on the products they sell and that allows them to sell at a higher price point.
The following are Jersey City exclusive insurance agencies that can give you comparison quotes.
Agents that elect to be independent are not limited to a single company and that allows them to write policies amongst many companies and find the cheapest rate. If they find a cheaper price, your agent can just switch to a different company and that require little work on your part.
When searching for an agent, you should always check rates from several independent insurance agents in order to have the best price comparison.
Listed below is a short list of independent insurance agencies in Jersey City willing to provide comparison quotes.
All Insurance Services Inc
574 Newark Ave - Jersey City, NJ 07306 - (201) 963-8888 - View Map
243 Central Ave # 1 - Jersey City, NJ 07307 - (201) 721-6081 - View Map
Car insurance company ratings
Ending up with the best car insurance provider can be a challenge considering how many choices drivers have in Jersey City. The rank data displayed below can help you select which coverage providers to look at when shopping around.
Top 10 Jersey City Car Insurance Companies Ranked by Customer Satisfaction
- The Hartford - 93%
- Progressive - 90%
- 21st Century - 89%
- USAA - 87%
- Mercury Insurance - 87%
- State Farm - 87%
- Travelers - 87%
- Safeco Insurance - 86%
- AAA Insurance - 86%
- American Family - 85%
Top 10 Jersey City Car Insurance Companies by A.M. Best Rank
- GEICO - A++
- Travelers - A++
- State Farm - A++
- USAA - A++
- Allstate - A+
- Nationwide - A+
- Mercury Insurance - A+
- Progressive - A+
- The Hartford - A+
- Esurance - A+
Be persistent to save money
As you shop your coverage around, make sure you don't reduce needed coverages to save money. There have been many cases where an insured dropped physical damage coverage only to regret that their decision to reduce coverage ended up costing them more. Your goal is to purchase plenty of coverage at a price you can afford and still be able to protect your assets.
Throughout this article, we presented a lot of tips how to lower your Chevy Silverado 3500HD insurance rates in Jersey City. The key thing to remember is the more you quote Jersey City car insurance, the better likelihood of getting inexpensive Jersey City car insurance quotes. You may even find the best rates are with some of the smallest insurance companies. These smaller insurers may have significantly lower car insurance rates on certain market segments than the large multi-state companies such as Progressive or GEICO.
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