Compare Chevy Silverado 3500HD Insurance Quotes in Newark

Discount Chevy Silverado 3500HD insuranceIt takes a few minutes, but the best way to get cheaper Chevy Silverado 3500HD insurance in Newark is to compare prices annually from providers who provide car insurance in New Jersey.

  1. Learn about auto insurance and the things you can change to prevent expensive coverage. Many rating criteria that result in higher prices like careless driving and an unacceptable credit score can be controlled by making minor changes to your lifestyle.
  2. Compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from one company like Progressive and State Farm, while independent agents can quote prices for a wide range of insurance providers.
  3. Compare the new rate quotes to the price on your current policy to determine if switching companies saves money. If you can save money and switch companies, make sure coverage is continuous and does not lapse.
  4. Provide written notification to your current company of your intention to cancel your current car insurance policy and submit the required down payment along with the signed application for the new policy. As soon as you can, put the new proof of insurance paperwork in an easily accessible location.

One tip to remember is that you use similar limits and deductibles on every price quote and and to get price quotes from as many auto insurance providers as possible. This enables an accurate price comparison and the best price quote selection.

Everyone knows that car insurance companies don’t want you shop around. Drivers who shop around for cheaper price quotes will most likely switch to a new company because there is a good chance of finding coverage at a more affordable price. A recent survey found that people who compared prices regularly saved about $865 a year compared to people who don’t make a habit of comparing rates.

If finding the lowest price on Chevy Silverado 3500HD insurance is the reason you’re reading this, then having a grasp of how to find and compare coverage rates can save money and time.

The following companies can provide quotes in Newark, NJ. To find cheap car insurance in New Jersey, it’s a good idea that you visit several of them to get a more complete price comparison.

Statistics and details

The coverage table shown below outlines estimates of rate quotes for Chevy Silverado 3500HD models. Knowing how insurance premiums are figured helps drivers make decisions on the best policy coverages.

Chevrolet Silverado 3500HD Insurance Rates in Newark, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado 3500HD LT Crew Cab 4WD $578 $1246 $812 $48 $242 $2,926 $244
Silverado 3500HD LT Extended Cab 4WD $578 $1246 $812 $48 $242 $2,926 $244
Silverado 3500HD LT Crew Cab 2WD $578 $1082 $648 $38 $194 $2,540 $212
Silverado 3500HD LTZ Crew Cab 2WD $636 $1082 $648 $38 $194 $2,598 $217
Silverado 3500HD LT Crew Cab Diesel 2WD $636 $1246 $648 $38 $194 $2,762 $230
Silverado 3500HD LTZ Crew Cab Diesel 2WD $636 $1246 $648 $38 $194 $2,762 $230
Get Your Own Custom Quote Go

Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Prices do not factor in vehicle location which can revise coverage prices noticeably.

Safe drivers pay less for insurance

The chart below illustrates how traffic citations and at-fault fender-benders can drive up Chevy Silverado 3500HD auto insurance costs for each different age group. The premiums are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are factored in.

Chevrolet Silverado 3500HD insurance premiums by gender and age

The example below illustrates the comparison of Chevy Silverado 3500HD car insurance rates for male and female drivers. The premiums assume no driving violations, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, single status, and no other discounts are factored in.

Full coverage versus liability only rates

The example below shows the difference between Chevy Silverado 3500HD insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in New Jersey. Data assumes no claims or driving violations, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.

When to drop comp and collision

There isn’t a written rule that works best for making the decision to drop full coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is about 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let’s assume your Chevy Silverado 3500HD replacement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $5,000 after the policy deductible has been paid. If you are paying over $500 a year for your policy with full coverage, then you might want to think about dropping full coverage.

There are some cases where dropping full coverage is not financially feasible. If you still owe money on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.

Score discounts on Newark car insurance

Not too many consumers would say car insurance is affordable, but discounts can save money and there are some available that you may not even know about. Some of these discounts will be visible at the time of purchase, but some may not be applied and must be asked for before you get the savings. If you don’t get every credit possible, you may be paying too high a price.Save money with discounts

You can save money using discounts, but most credits do not apply to the whole policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, it just doesn’t work that way.

The example below illustrates the comparison of Chevy Silverado 3500HD car insurance costs with and without discounts applied to the policy rates. The costs are based on a male driver, no accidents, no driving violations, New Jersey 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 claim-free, marriage, multi-car, multi-policy, safe-driver, and homeowner discounts applied.

To find providers with discount car insurance rates in New Jersey, click this link.

Best reasons to buy auto insurance in New Jersey

Despite the high insurance cost for a Chevy Silverado 3500HD in Newark, insuring your vehicle may be required for several reasons.

The benefits of insuring your car definitely exceed the cost, particularly for liability claims. The average driver in America is overpaying more than $810 a year so you should quote your policy with other companies at every policy renewal to save money.

Compare rates but buy from a local Newark insurance agent

A small number of people still like to get professional advice from a licensed agent and we recommend doing that Good insurance agents can help determine the best coverages and will help you if you have claims. A nice benefit of getting online price quotes is the fact that you can find cheap rate quotes and still buy from a local agent. Buying from neighborhood insurance agencies is still important in Newark.

By using this quick form, your coverage information is instantly submitted to participating agents in Newark who will return price quotes for your car insurance coverage. You don’t have to contact any insurance agencies as quotes are delivered directly to you. If you have a need to compare rates for a specific company, feel free to jump over to their website and fill out the quote form the provide.

Shown below is a short list of auto insurance companies in Newark willing to provide price quotes for Chevy Silverado 3500HD insurance in Newark.

775 Newark AveJersey City, NJ 07306(201) 217-1780View Map

Arabo Insurance Group Inc
675 Bergen StNewark, NJ 07108(973) 391-9595View Map

1423 McCarter HwyNewark, NJ 07104(973) 732-3794View Map

1 Bloomfield AveNewark, NJ 07104(973) 483-3500View Map

More Newark agents

Finding the right insurer should include more criteria than just the price. A good agent in Newark will have answers to these questions.