Want a free price quotes on low-cost Chevy Silverado 3500HD insurance in Omaha? Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? You’re in good company because you’re not the only one.
We don’t have to tell you that auto insurance companies don’t want you to look for cheaper rates. Insureds who shop around for cheaper rates are highly likely to buy a different policy because there is a great chance of finding discount prices. Surprisingly, a recent survey revealed that drivers who made a habit of comparing rate quotes saved over $865 annually compared to people who never shopped around.
If finding discount rates on Chevy Silverado 3500HD insurance is the reason you’re here, then having a grasp of the best ways to shop for insurance rates can make shopping around easier.
There is such a variety of car insurance companies to purchase coverage from, and although it’s nice to have multiple companies, it makes it harder to adequately compare rates for Chevy Silverado 3500HD insurance in Omaha.
It’s smart to compare prices quite often because car insurance prices are variable and change quite frequently. Even if you got the best deal on Chevy Silverado 3500HD insurance in Omaha at your last renewal a different company probably has better rates today. Forget all the misinformation about car insurance because I’m going to teach you one of the easiest ways to lower your annual insurance bill.
Quoting and comparing the best-priced insurance policy in Omaha is actually quite simple. Basically, everyone who has to buy insurance most likely will get a lower-priced policy. Although Nebraska car owners do need to know how companies price online insurance and use it to find better rates.
How to Lower Your Insurance Costs
The best way to find cheaper auto insurance is to take a look at the different types of things that go into determining your premiums. When you understand what impacts premium levels, this allows you to make educated decisions that may result in cheaper rates.
The items below are a few of the things utilized by car insurance companies to help set rates.
Additional coverages that may be costing you – There are quite a few optional add-on coverages that may not really be needed if you aren’t diligent. Coverages like vanishing deductibles, better glass coverage, and additional equipment coverage may be wasting your money. The coverages may be enticing when talking to your agent, but if you’ve never needed them in the past get rid of them and save.
Don’t skimp on liability protection – A critical coverage on your policy, liability insurance will afford coverage when a jury decides you are liable for personal injury or accident damage. It provides legal defense to defend your case. Liability insurance is pretty cheap compared to physical damage coverage, so buy as much as you can afford.
Getting married can save on auto insurance – Walking down the aisle can actually save you money when buying auto insurance. Having a significant other translates into being more mature than a single person and insurance companies like that being married results in fewer claims.
Use credit responsibly and save – Credit rating is a big factor in your rate calculation. Therefore, if your credit rating is lower than you’d like, you could potentially save money when insuring your Chevrolet Silverado 3500HD by improving your rating. Consumers who have excellent credit tend to be less risk to insure than drivers with worse credit.
Never let your auto insurance policy lapse – Driving without insurance is a misdemeanor and companies may charge more for letting your insurance lapse. Not only will you pay more, being ticketed for driving with no insurance may earn you fines or a revoked license. You could then be forced to file a SR-22 with the Nebraska motor vehicle department to get your license reinstated.
Driving citations drive up rates – Having a single driving citation can boost insurance rates twenty percent or more. Good drivers get better prices than bad drivers. Drivers with dangerous tickets such as DWI, reckless driving or hit and run convictions are required to prove financial responsibility with their state in order to drive a vehicle legally.
The diagram below demonstrates how speeding tickets and accidents can influence Chevy Silverado 3500HD insurance rates for each age group. The premium estimates are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.
Men drivers tend to cost more – Over time, data shows females are less aggressive when driving. However, don’t assume that women are better drivers. They both have at-fault accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also tend to get more serious tickets like driving under the influence (DUI). Young men ages 16 to 20 are the most expensive to insure and therefore have the most expensive auto insurance rates.
The information below compares Chevy Silverado 3500HD auto insurance rates for male and female drivers. The prices are based on a clean driving record, no claims, full coverage, $100 deductibles, single status, and no additional discounts are factored in.
File auto insurance claims and pay more – If you file claims often, you can look forward to higher rates. Auto insurance companies in Nebraska generally give better rates to policyholders who only file infrequent claims. Your insurance policy is intended for more catastrophic claims.
When comparing auto insurance rates, know that comparing a large number of companies increases the chance that you will find the best offered rates.
The companies in the list below provide free rate quotes in Omaha, NE. To locate cheap car insurance in NE, it’s a good idea that you visit several of them to get the best price comparison.
Insurance analysis for a Chevy Silverado 3500HD
The table displayed below covers detailed analysis of insurance costs for Chevy Silverado 3500HD models. Learning a little about how premiums are established can aid in making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 3500HD LT Crew Cab 4WD | $200 | $410 | $506 | $30 | $152 | $1,298 | $108 |
| Silverado 3500HD LT Extended Cab 4WD | $200 | $410 | $506 | $30 | $152 | $1,298 | $108 |
| Silverado 3500HD LT Crew Cab 2WD | $200 | $356 | $404 | $24 | $122 | $1,106 | $92 |
| Silverado 3500HD LTZ Crew Cab 2WD | $220 | $356 | $404 | $24 | $122 | $1,126 | $94 |
| Silverado 3500HD LT Crew Cab Diesel 2WD | $220 | $410 | $404 | $24 | $122 | $1,180 | $98 |
| Silverado 3500HD LTZ Crew Cab Diesel 2WD | $220 | $410 | $404 | $24 | $122 | $1,180 | $98 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Price estimates do not factor in Omaha location which can lower or raise insurance rates noticeably.
Higher deductibles lower rates
When buying insurance, a common question is where should you set your physical damage deductibles. The following tables may aid in understanding how much more you’ll pay when you choose different coverage deductibles. The first data table uses a $250 deductible and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 3500HD LT Crew Cab 4WD | $292 | $530 | $374 | $22 | $112 | $1,355 | $113 |
| Silverado 3500HD LT Extended Cab 4WD | $292 | $530 | $374 | $22 | $112 | $1,355 | $113 |
| Silverado 3500HD LT Crew Cab 2WD | $292 | $460 | $300 | $18 | $90 | $1,185 | $99 |
| Silverado 3500HD LTZ Crew Cab 2WD | $322 | $460 | $300 | $18 | $90 | $1,215 | $101 |
| Silverado 3500HD LT Crew Cab Diesel 2WD | $322 | $530 | $300 | $18 | $90 | $1,285 | $107 |
| Silverado 3500HD LTZ Crew Cab Diesel 2WD | $322 | $530 | $300 | $18 | $90 | $1,285 | $107 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 3500HD LT Crew Cab 4WD | $236 | $428 | $374 | $22 | $112 | $1,172 | $98 |
| Silverado 3500HD LT Extended Cab 4WD | $236 | $428 | $374 | $22 | $112 | $1,172 | $98 |
| Silverado 3500HD LT Crew Cab 2WD | $236 | $370 | $300 | $18 | $90 | $1,014 | $85 |
| Silverado 3500HD LTZ Crew Cab 2WD | $262 | $370 | $300 | $18 | $90 | $1,040 | $87 |
| Silverado 3500HD LT Crew Cab Diesel 2WD | $262 | $428 | $300 | $18 | $90 | $1,098 | $92 |
| Silverado 3500HD LTZ Crew Cab Diesel 2WD | $262 | $428 | $300 | $18 | $90 | $1,098 | $92 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Premium amounts do not factor in vehicle location which can alter rates substantially.
Based on these figures, using a $250 deductible will cost you roughly $15 more each month or $180 annually than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you go at a minimum 17 months between claims, you would more than likely save some money if you elect the higher deductible.
The diagram below highlights how deductible selection and can influence Chevy Silverado 3500HD insurance premiums for different age categories. The premiums are based on a married male driver, full physical damage coverage, and no policy discounts are applied.
Auto insurance protects more than just your car
Despite the potentially high cost of Chevy Silverado 3500HD insurance, insuring your vehicle may be required and benefits you in several ways.
- Just about all states have minimum mandated liability insurance limits which means you are required to carry a specific minimum amount of liability insurance coverage in order to drive the car. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you bought your vehicle with a loan, almost all lenders will require that you have full coverage to protect their interest in the vehicle. If you default on your policy, the lender may insure your Chevy at a much higher premium rate and force you to reimburse them much more than you were paying before.
- Auto insurance preserves not only your Chevy Silverado 3500HD but also your assets. It will also reimburse you for all forms of medical expenses for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance also pays expenses related to your legal defense if you cause an accident and are sued. If you have damage to your Chevy as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.
The benefits of buying auto insurance more than cancel out the cost, particularly for liability claims. The average driver in America overpays more than $830 a year so compare quotes from several companies every year to be sure current rates are still competitive.
Get cheaper Chevy Silverado 3500HD insurance in Omaha with discounts
Some insurance providers don’t list every available discount in a way that’s easy to find, so the following list contains both the well known and also the more inconspicuous credits available to bring down your rates.
- Student in College – Older children who are enrolled in a college that is more than 100 miles from Omaha and won’t have access to an insured vehicle can be insured at a reduced rate.
- Drive Less and Save – Maintaining low annual mileage can qualify you for lower prices on the low mileage vehicles.
- Good Driver Discounts – Drivers who avoid accidents may receive a discount up to 45% than their less cautious counterparts.
- Driver’s Education for Students – Teen drivers should enroll and complete driver’s education as it will make them better drivers and lower rates.
- Defensive Driving Course – Taking a driver safety course can save you 5% or more and easily recoup the cost of the course.
- No Charge for an Accident – This one isn’t a discount, but a few companies such as Progressive, Allstate, and GEICO will turn a blind eye to one accident without the usual rate increase so long as you haven’t had any claims for a set time period.
- Discounts for New Vehicles – Putting insurance coverage on a new Silverado 3500HD may earn a small discount due to better safety requirements for new model year vehicles.
- Online Discount – Some larger companies will discount your bill up to fifty bucks for buying your policy digitally online.
- Life Insurance – Some companies give lower premium rates if you buy a life policy as well.
Consumers should know that most discount credits are not given to the whole policy. Most only apply to specific coverage prices like collision or personal injury protection. If you do the math and it seems like you can get free auto insurance, nobody gets a free ride.
The chart below illustrates the comparison of Chevy Silverado 3500HD insurance premiums with and without some available policy discounts. The premiums assume a male driver, no accidents or driving violations, Nebraska state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, safe-driver, homeowner, claim-free, and multi-car discounts applied.
For a list of insurance companies who offer online Chevy Silverado 3500HD insurance quotes in Omaha, click here.
Local agents and car insurance
A small number of people still prefer to get professional advice from a licensed agent and that is a personal choice. One of the benefits of getting free rate quotes online is you may find the best rates and still have a local agent. And supporting small agencies is definitely important in Omaha.
By using this form (opens in new window), your information is immediately sent to companies in Omaha who will gladly provide quotes for your car insurance coverage. There is no reason to drive around because prices are sent straight to your inbox. You can find the lowest rates without requiring a lot of work. If you want to get a comparison quote for a specific company, you can always find their quoting web page and complete a quote there.
Below is a short list of car insurance companies in Omaha that can give you rate quotes for Chevy Silverado 3500HD insurance in Omaha.
AA Brokers Insurance Agency Inc.
2214 N 90th Plaza – Omaha, NE 68134 – (402) 392-1930 – View Map
Daniel Kershaw – State Farm Insurance Agent
3525 N 147th St #209 – Omaha, NE 68116 – (402) 333-5108 – View Map
BW Insurance Agency, Inc.
13906 Gold Cir # 103 – Omaha, NE 68144 – (402) 918-0102 – View Map
Omaha Division Insurance
14792 Ray Sapp Dr – Omaha, NE 68138 – (402) 334-7087 – View Map
Finding the right insurer should depend on more than just the quoted price. Any agent in Omaha should be willing to answer these questions.
- Are there any extra charges for paying monthly?
- Do the companies they represent have a solid financial rating?
- What discounts might you be missing?
- Did they already check your driving record and credit reports?
- How long have they been in business?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Do they prorate repair cost based on vehicle mileage?
If you receive good responses and an acceptable price quote, it’s a good possibility that you have found a company that is professional and can insure your vehicles. Just understand that it’s your coverage and you can cancel coverage at any point so don’t assume that you are permanently stuck with a specific company for a certain time period.
Do I need special coverages?
When it comes to proper insurance coverage, there really is not a cookie cutter policy. Your situation is unique and your car insurance should be unique as well.
Here are some questions about coverages that can help discover if your situation might need professional guidance.
- What states are considered no-fault?
- What policy terms are available?
- Can I make deliveries for my home business?
- Do I need an umbrella policy?
- What exactly is covered by my policy?
- Is my son or daughter covered when driving my car?
- Why am I required to buy high-risk coverage?
If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.
In the end, you can save money
When trying to cut insurance costs, it’s a bad idea to reduce needed coverages to save money. There are a lot of situations where someone sacrificed collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The goal is to purchase plenty of coverage at the best possible price but still have enough coverage for asset protection.
Cheaper Chevy Silverado 3500HD insurance in Omaha can be purchased on the web and with local Omaha insurance agents, and you should be comparing both to have the best rate selection. Some insurance providers do not provide the ability to get a quote online and usually these small insurance companies sell through independent agents.
How to find better rates for Chevy Silverado 3500HD insurance in Omaha
Really, the only way to get budget auto insurance rates in Omaha is to start comparing rates regularly from different companies in Nebraska. You can compare prices by following these guidelines.
- Gain an understanding of coverages and the things you can control to lower rates. Many things that result in higher prices such as accidents, traffic violations, and poor credit history can be controlled by being financially responsible and driving safely.
- Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like GEICO and Allstate, while independent agents can provide prices for many different companies. Find an Omaha insurance agent
- Compare the quotes to your existing rates and determine if cheaper Silverado 3500HD coverage is available. If you find a better price and change companies, ensure coverage does not lapse between policies.
- Tell your current agent or company to cancel your current car insurance policy. Submit the signed application along with the required initial payment for the new coverage. Once coverage is bound, keep the new certificate of insurance in a readily accessible location in your vehicle.
The critical component of shopping around is to use the same deductibles and limits on each quote and and to get rate quotes from as many companies as you can. This enables a level playing field and plenty of rates choose from.
To learn more, link through to these articles:
- Neck Injury FAQ (iihs.org)
- Who Has Cheap Omaha Auto Insurance Quotes for Retired Military? (FAQ)
- Who Has the Cheapest Car Insurance for Police Officers in Omaha? (FAQ)
- Who Has Cheap Car Insurance Quotes for Drivers with a Bad Driving Record in Omaha? (FAQ)
- What Insurance is Cheapest for 19 Year Olds in Omaha? (FAQ)
- Keeping Children Safe in Crashes Video (iihs.org)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)