Are you looking for a better way to compare more affordable Chevy Silverado 2500HD insurance in Toledo? Are you sick and tired of sacrificing other expenses to insure your Chevy every month? Your situation is no different than millions of other drivers.
It’s safe to assume that insurance companies don’t want you comparing rates. People who get comparison quotes once a year are likely to buy a new policy because of the high probability of finding lower rate quotes. A recent survey found that drivers who compared rates regularly saved approximately $3,500 over four years compared to other drivers who never compared rates.
If finding the most affordable auto insurance in Toledo is your intention, then having an understanding of how to quote and compare insurance can save money and time. There is such a variety of insurers to pick from, and although it’s nice to be able to choose, more choices can make it harder to locate the cheapest rates for Chevy Silverado 2500HD insurance in Toledo.
The best way to compare rates for Chevy Silverado 2500HD insurance in Toledo is to take advantage of the fact auto insurance companies participate in a system to give free rates quotes. The only thing you need to do is give them rating details including the make and model of your vehicles, an estimate of your credit level, what your job is, and if you went to college. Your information gets transmitted to insurance carriers in your area and they return cost estimate very quickly.
If you would like to start a quote now, click here and complete the quick form.
The providers in the list below are ready to provide comparison quotes in Ohio. To buy the best auto insurance in Ohio, we recommend you compare several of them in order to find the lowest rates.
Insurance coverage analysis
The price information shown next highlights estimates of insurance policy prices for Chevy Silverado 2500HD models. Understanding how policy rates are figured is important for making informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 2500HD LT Crew Cab 4WD | $170 | $342 | $256 | $16 | $76 | $860 | $72 |
| Silverado 2500HD LT Crew Cab 2WD | $170 | $392 | $290 | $18 | $86 | $956 | $80 |
| Silverado 2500HD LTZ Crew Cab 4WD | $170 | $342 | $256 | $16 | $76 | $860 | $72 |
| Silverado 2500HD LT Crew Cab Diesel 4WD | $190 | $392 | $256 | $16 | $76 | $930 | $78 |
| Silverado 2500HD LT Crew Cab Diesel 2WD | $190 | $392 | $290 | $18 | $86 | $976 | $81 |
| Silverado 2500HD LT Extended Cab Diesel 2WD | $190 | $392 | $290 | $18 | $86 | $976 | $81 |
| Silverado 2500HD LTZ Crew Cab 2WD | $190 | $392 | $290 | $18 | $86 | $976 | $81 |
| Silverado 2500HD LTZ Crew Cab Diesel 4WD | $190 | $392 | $256 | $16 | $76 | $930 | $78 |
| Silverado 2500HD LTZ Crew Cab Diesel 2WD | $190 | $444 | $290 | $18 | $86 | $1,028 | $86 |
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Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Premium costs do not factor in vehicle garaging location which can alter coverage prices substantially.
Does full coverage make sense?
The illustration below visualizes the comparison of Chevy Silverado 2500HD insurance premiums when comparing full coverage to liability only. The data assumes no tickets, no at-fault accidents, $500 deductibles, single marital status, and no additional discounts are factored in.
Guidelines for eliminating full coverage
There isn’t a steadfast formula of when to phase out full coverage, but there is a general guideline you can use. If the annual cost of coverage is more than around 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.
For example, let’s assume your Chevy Silverado 2500HD book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $2,000 after you pay the deductible. If you are paying in excess of $200 annually for your policy with full coverage, then you may need to consider dropping full coverage.
There are some situations where eliminating full coverage is not a good plan. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not remove full coverage.
Will just any policy work for me?
When buying coverage online or from an agent, there is no best way to insure your cars. Everyone’s situation is a little different.
These are some specific questions can help discover whether or not you will benefit from professional help.
- Is a new car covered when I drive it off the dealer lot?
- Do I need replacement cost coverage on my Chevy Silverado 2500HD?
- What is UM/UIM insurance?
- Do I have ACV or replacement cost coverage?
- I have health insurance so do I need medical payments coverage?
- Should I drop comprehensive coverage on older vehicles?
- How much coverage applies to personal belongings?
- Do all my vehicles need collision coverage?
If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.
You may require the services of an insurance agent
A lot of people still like to talk to an insurance agent and there is nothing wrong with that. Insurance agents can help determine the best coverages and help in the event of a claim. The biggest benefit of comparing auto insurance online is that drivers can save money and get cheap auto insurance quotes and still choose a local agent. Buying from and supporting local agents is especially important in Toledo.
By using this simple form, the quote information is immediately sent to local insurance agents in Toledo that can provide free Toledo car insurance quotes and help you find cheaper coverage. You never need to contact an agency since rate quotes are delivered straight to your inbox. If you need to get a comparison quote from a particular provider, don’t hesitate to visit that company’s website and fill out their quote form.
Different types of car insurance agents in Toledo
If you want to use a reliable insurance agency, you should know the different types of agents to choose from. Agents in Toledo are categorized either independent agents or exclusive agents. Either one can write policy coverage, but it is a good idea to know the difference in the companies they write for because it can impact buying decisions.
Independent Agents (or Brokers)
These agents do not write with just one company and that gives them the ability to insure with a variety of different insurance companies enabling the ability to shop coverage around. If they quote lower rates, they simply switch companies in-house and you don’t have to do anything. When comparison shopping, you definitely need to get quotes from several independent agencies to ensure the widest selection of prices.
Shown below is a short list of independent insurance agents in Toledo that can give you price quotes.
Gus Badra Insurance Agency
3454 Oak Alley Court, Suite 106 A, Toledo 43606 – Suite 106 A, OH 43606 – (419) 469-5522 – View Map
Fox Insurance
4560 Heatherdowns Blvd # 103 – Toledo, OH 43614 – (419) 385-2797 – View Map
Kranz PJ Insurance Agency
4349 Talmadge Rd – Toledo, OH 43623 – (419) 473-2416 – View Map
Exclusive Agents
These agents are contracted to one company and some examples include Allstate, Farmers Insurance or State Farm. Exclusive agents cannot provide other company’s prices so it’s a take it or leave it situation. These agents receive extensive training in insurance sales which can be an advantage.
Shown below are exclusive agents in Toledo who can help you get comparison quotes.
Allstate Insurance: Jessica J. Hernandez
1855 S Reynolds Rd B – Toledo, OH 43614 – (419) 536-9000 – View Map
Nathan Ensey – State Farm Insurance Agent
4024 N Holland Sylvania Rd Ste 6 – Toledo, OH 43623 – (419) 517-8811 – View Map
Becki Ballenger – State Farm Insurance Agent
3520 Heatherdowns Blvd #5 – Toledo, OH 43614 – (419) 385-5775 – View Map
Finding the right insurance agent requires you to look at more than just the bottom line cost. Get answers to these questions too.
- How long have they been in business?
- Will you get a loaner vehicle if you car is being repaired?
- Are they primarily personal or commercial lines agents in Toledo?
- What are their preferred companies if they are an independent agency?
- Is there a 24/7 contact number?
- What discounts might you be missing?
- What will you get paid if your car is a total loss? How is that amount determined?