How many times have you put off comparing quotes for cheaper insurance rates in Fresno, CA? Fresno shoppers have a choice when shopping for low-cost Chevy Silverado 2500HD insurance. You can either waste hours driving around to compare prices or use the internet to find the lowest rates. There are more efficient ways to shop for insurance and we’ll show you the absolute fastest way to get price quotes for your Chevy and find the cheapest rates from both online companies and Fresno agents.
It’s a good idea to take a look at other company’s rates quite often because insurance prices are usually higher with each renewal. Even if you think you had the best rate on Chevy Silverado 2500HD insurance in Fresno two years ago a different company probably has better premium rates today. Forget anything you know (or think you know) about insurance because you’re going to learn the right way to remove unneeded coverages and save money.
If you have coverage now or just want to save money, use these tips to reduce premiums without reducing coverage. Our objective in writing this article is to help educate you on the best way to buy inexpensive insurance. Drivers only have to learn the proper methods to get comparison quotes online from multiple companies.
The quickest method to get rate comparisons for Chevy Silverado 2500HD insurance in Fresno is to realize most of the larger companies have advanced systems to compare rate quotes. All you need to do is give them rating details such as how you use your vehicles, your occupation, whether you are married, and your general credit rating. Those rating factors is then submitted to insurance carriers in your area and they respond with quotes quickly.
To start a quote now, click here and enter your coverage details.
The auto insurance companies shown below can provide price quotes in California. To get cheap car insurance in California, we suggest you visit two to three different companies to get the best price comparison.
Car insurance does more than just protect your car
Despite the fact that car insurance is not cheap in Fresno, insuring your vehicle is not optional due to several reasons.
- Just about all states have mandatory liability insurance requirements which means state laws require specific minimum amounts of liability insurance in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Chevy Silverado 2500HD has a lienholder, it’s guaranteed your bank will stipulate that you buy full coverage to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the bank may buy a policy for your Chevy for a much higher rate and force you to pay for it.
- Car insurance preserves not only your Chevy but also your assets. It will also pay for many types of medical costs for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, also covers legal expenses if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of insuring your car definitely exceed the cost, especially if you ever need it. Today the average American driver is wasting up to $800 each year so you should quote your policy with other companies once a year at a minimum to ensure rates are competitive.
Coverage statistics and figures
The coverage table shown next outlines detailed analysis of policy rates for Chevy Silverado 2500HD models. Having knowledge of how insurance quotes are calculated can assist in making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 2500HD LT Crew Cab 4WD | $300 | $576 | $424 | $26 | $126 | $1,452 | $121 |
| Silverado 2500HD LT Crew Cab 2WD | $300 | $664 | $480 | $28 | $144 | $1,616 | $135 |
| Silverado 2500HD LTZ Crew Cab 4WD | $300 | $576 | $424 | $26 | $126 | $1,452 | $121 |
| Silverado 2500HD LT Crew Cab Diesel 4WD | $334 | $664 | $424 | $26 | $126 | $1,574 | $131 |
| Silverado 2500HD LT Crew Cab Diesel 2WD | $334 | $664 | $480 | $28 | $144 | $1,650 | $138 |
| Silverado 2500HD LT Extended Cab Diesel 2WD | $334 | $664 | $480 | $28 | $144 | $1,650 | $138 |
| Silverado 2500HD LTZ Crew Cab 2WD | $334 | $664 | $480 | $28 | $144 | $1,650 | $138 |
| Silverado 2500HD LTZ Crew Cab Diesel 4WD | $334 | $664 | $424 | $26 | $126 | $1,574 | $131 |
| Silverado 2500HD LTZ Crew Cab Diesel 2WD | $334 | $750 | $480 | $28 | $144 | $1,736 | $145 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Price estimates do not factor in Fresno location which can decrease or increase coverage prices significantly.
How high should deductibles be?
The hardest decision when buying coverage is how high should the physical damage coverage deductibles be. The comparisons below lay out the difference in cost between high and low comp and collision deductibles. The first pricing table uses a $250 deductible for physical damage and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 2500HD LT Crew Cab 4WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Silverado 2500HD LT Crew Cab 2WD | $386 | $780 | $500 | $30 | $150 | $1,871 | $156 |
| Silverado 2500HD LTZ Crew Cab 4WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Silverado 2500HD LT Crew Cab Diesel 4WD | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| Silverado 2500HD LT Crew Cab Diesel 2WD | $430 | $780 | $500 | $30 | $150 | $1,915 | $160 |
| Silverado 2500HD LT Extended Cab Diesel 2WD | $430 | $780 | $500 | $30 | $150 | $1,915 | $160 |
| Silverado 2500HD LTZ Crew Cab 2WD | $430 | $780 | $500 | $30 | $150 | $1,915 | $160 |
| Silverado 2500HD LTZ Crew Cab Diesel 4WD | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
| Silverado 2500HD LTZ Crew Cab Diesel 2WD | $430 | $882 | $500 | $30 | $150 | $2,017 | $168 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 2500HD LT Crew Cab 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Silverado 2500HD LT Crew Cab 2WD | $238 | $490 | $500 | $30 | $150 | $1,408 | $117 |
| Silverado 2500HD LTZ Crew Cab 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Silverado 2500HD LT Crew Cab Diesel 4WD | $266 | $490 | $442 | $26 | $132 | $1,356 | $113 |
| Silverado 2500HD LT Crew Cab Diesel 2WD | $266 | $490 | $500 | $30 | $150 | $1,436 | $120 |
| Silverado 2500HD LT Extended Cab Diesel 2WD | $266 | $490 | $500 | $30 | $150 | $1,436 | $120 |
| Silverado 2500HD LTZ Crew Cab 2WD | $266 | $490 | $500 | $30 | $150 | $1,436 | $120 |
| Silverado 2500HD LTZ Crew Cab Diesel 4WD | $266 | $490 | $442 | $26 | $132 | $1,356 | $113 |
| Silverado 2500HD LTZ Crew Cab Diesel 2WD | $266 | $556 | $500 | $30 | $150 | $1,502 | $125 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Information does not factor in specific zip code location which can revise price quotes greatly.
Based on the above data, using a $250 deductible costs about $40 more each month or $480 annually averaged for all Silverado 2500HD models than opting for the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average at a minimum 19 months between claims, you would come out ahead by selecting a higher deductible.
The diagram below illustrates how your deductible choice and can change Chevy Silverado 2500HD premium costs for different insured age categories. The premiums assume a single female driver, full physical damage coverage, and no other discounts are factored in.
Annual premiums for males compared to females in Fresno
The chart below shows the difference between Chevy Silverado 2500HD insurance premiums for male and female drivers. The data assumes a clean driving record, no at-fault accidents, full coverage, $100 deductibles, drivers are not married, and no discounts are factored in.
Cost difference between full coverage and liability
The chart below compares Chevy Silverado 2500HD insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no driving violations, no at-fault accidents, $100 deductibles, single marital status, and no discounts are applied.
Guidelines for dropping full coverage
There is no definitive guideline to exclude comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of coverage is more than around 10% of the settlement you would receive from your company, then you might consider buying liability only.
For example, let’s say your Chevy Silverado 2500HD settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $5,000 after paying your deductible. If you are paying in excess of $500 a year for full coverage, the it may be a good time to stop paying for full coverage.
There are some situations where dropping full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage on your policy.
Cheaper rates by earning discounts
Not many people think insurance is cheap, but you may be missing some discounts that many people don’t even know exist. Certain discounts will be triggered automatically at the time you complete a quote, but a few need to be specifically requested before you get the savings. If you are not receiving all the discounts you qualify for, you could be getting lower rates.
- Discount for Life Insurance – Insurance carriers who offer life insurance give better prices if you take out auto and life insurance together.
- Good Students Pay Less – Excelling in school can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
- Low Miles Discount – Fewer annual miles on your Chevy can qualify you for better rates on cars that stay parked.
- Full Payment Discount – By paying your entire bill at once instead of making monthly payments you can avoid monthly service charges.
- Early Switch Discount – A few larger companies offer discounts for buying a policy before your current expiration date. This discount can save up to 10%.
Don’t be shocked that most discount credits are not given to the entire policy premium. Most only cut specific coverage prices like comp or med pay. So even though it sounds like it’s possible to get free car insurance, companies wouldn’t make money that way.
The diagram below illustrates the comparison of Chevy Silverado 2500HD car insurance rates with and without discounts applied to the policy premium. The premium estimates are based on a female driver, no claims, a clean driving record, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, claim-free, marriage, and safe-driver discounts applied.
A list of companies and the discounts they provide are detailed below.
- State Farm may include discounts for safe vehicle, student away at school, Drive Safe & Save, Steer Clear safe driver discount, multiple policy, and good driver.
- American Family offers premium reductions for multi-vehicle, air bags, bundled insurance, mySafetyValet, good driver, good student, and Steer into Savings.
- GEICO discounts include good student, driver training, daytime running lights, seat belt use, federal employee, defensive driver, and multi-vehicle.
- 21st Century may have discounts that include anti-lock brakes, automatic seat belts, theft prevention, early bird, homeowners, and defensive driver.
- Progressive may offer discounts for continuous coverage, good student, online signing, online quote discount, homeowner, and multi-policy.
If you need lower rates, check with each company or agent which discounts you qualify for. Some discounts might not be available to policyholders in your state. To locate providers who offer free Chevy Silverado 2500HD insurance quotes in California, click this link.
Do I need a local insurance agent?
Many people would prefer to buy from a local agent and that can be a great decision Experienced insurance agents are highly skilled in risk management and will help you if you have claims. An additional benefit of comparing insurance prices online is the fact that you can find cheap car insurance rates but also keep your business local.
After completing this form (opens in new window), your coverage information is submitted to local insurance agents in Fresno who will give competitive quotes for your coverage. There is no need to find an agent on your own due to the fact that quote results will go directly to your email. If you have a need to get a rate quote from one company in particular, you just need to visit that company’s website and fill out their quote form.
Finding a good insurance company needs to be determined by more than just the bottom line cost. Any agent in Fresno should be willing to answer these questions.
- What company holds the largest book of business for them?
- Is the agency active in community causes in Fresno?
- Do they offer rental car reimbursement?
- What insurance companies do they work with in Fresno?
- Where would glass claims be handled in Fresno?
- How much can you save by raising your physical damage deductibles?
Exclusive and independent Fresno car insurance agents
If you are wanting to purchase car insurance from a reliable agent, you must know there are a couple types of insurance agents and how they differ in how they quote coverages. Fresno agents are categorized either exclusive or independent. Both types of agents can insure your vehicles properly, but it is important to understand the difference between them because it can factor into which agent you choose.
Exclusive Agencies
These type of agents can only provide pricing for a single company such as Farmers Insurance, Allstate, or State Farm. Exclusive agents cannot provide prices from multiple companies so you might not find the best rates. Exclusive agents are well trained on their company’s products which helps them sell insurance even at higher premiums. Consumers often use the same exclusive agent mostly because of the brand name and the convenience of having a single billing for all their coverages.
Shown below are Fresno exclusive insurance agents willing to provide rate quotes.
- Karen Barry-Ennis – State Farm Insurance Agent
1205 E Olive Ave – Fresno, CA 93728 – (559) 268-7431 – View Map - Farmers Insurance – Belen Sanchez-Ceja
2155 N Fresno St #A – Fresno, CA 93703 – (559) 252-2345 – View Map - Greg Caves – State Farm Insurance Agent
7740 N Fresno St #103 – Fresno, CA 93720 – (559) 435-7500 – View Map
Independent Car Insurance Agencies
Independent agents do not sell for just one brand so they can quote policies through many different car insurance companies and get you the best rates possible. If premiums increase, an independent agent can move your coverage and you won’t have to switch agencies.
When searching for an agent, it’s a good idea to include price quotes from independent agents to have the best price comparison. They often place coverage with companies that do not advertise much who may have lower rates.
The following are independent agents in Fresno who can help you get rate quotes.
- DiBuduo and DeFendis Insurance Brokers LLC
6873 N West Ave – Fresno, CA 93711 – (559) 432-0222 – View Map - Mc Carty Insurance Inc: Mc Carty Chad R
1625 Shaw Ave # 111 – Fresno, CA 93710 – (559) 324-1421 – View Map - Covered California Fresno
4005 N Blackstone Ave #101 – Fresno, CA 93726 – (559) 222-4140 – View Map
How to know if you need help
When it comes to the right insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.
For example, these questions can aid in determining if you would benefit from professional advice.
- Is business equipment covered while in my vehicle?
- Which companies will insure high-risk drivers?
- Do I need PIP coverage since I have good health insurance?
- Is my business laptop covered if it gets stolen from my vehicle?
- At what point should I drop full coverage?
- Do they offer discounts for home and auto coverage?
- How high should my uninsured/underinsured coverage be in California?
- Is business property covered if stolen from my car?
- When should my teen driver be added to my policy?
- What happens if I owe more than my Chevy Silverado 2500HD is worth?
If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, free and can help protect your family.
Don’t give up on affordable rates
You just learned many tips how you can compare Chevy Silverado 2500HD insurance rates in Fresno. The key thing to remember is the more quotes you get, the better your comparison will be. You may even find the best price on insurance is with a lesser-known regional company.
Insureds switch companies for many reasons like unfair underwriting practices, questionable increases in premium, not issuing a premium refund and even denial of a claim. It doesn’t matter what your reason, switching companies is easier than you think.
As you prepare to switch companies, do not skimp on critical coverages to save a buck or two. In many cases, drivers have reduced full coverage only to discover later that the savings was not a smart move. Your strategy should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.
Steps to finding discount Chevy Silverado 2500HD insurance in Fresno
Truthfully, the best way to get low-cost car insurance rates is to start doing a yearly price comparison from companies who sell auto insurance in Fresno.
- Spend a few minutes and learn about the coverage provided by your policy and the steps you can take to keep rates low. Many rating factors that drive up the price like inattentive driving and a bad credit rating can be remedied by making minor changes in your lifestyle.
- Compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO and State Farm, while agents who are independent can provide price quotes for a wide range of insurance providers.
- Compare the price quotes to your current policy premium to see if you can save by switching companies. If you find a lower rate, verify that coverage does not lapse between policies.
A tip to remember is to make sure you’re comparing the same amount of coverage on every price quote and to quote with as many companies as you can. This enables a fair price comparison and many rates to choose from.
To learn more, feel free to visit these articles:
- Parking Tips to Reduce Door Dings (State Farm)
- Who Has Affordable Auto Insurance for Inexperienced Drivers in Fresno? (FAQ)
- Who Has Affordable Fresno Auto Insurance for Teenage Females? (FAQ)
- Who Has Cheap Fresno Auto Insurance Rates for High School Students? (FAQ)
- Teen Driving Statistics (iihs.org)
- Booster Seat Ratings (iihs.org)
- Medical Payments Coverage (Liberty Mutual)