Astonishing but true according to a recent study, the vast majority of car insurance customers in Texas have bought car insurance from the same company for more than four years, and nearly the majority have never compared car insurance rates at all. U.S. drivers can save 47% each year just by shopping around, but they just don’t understand the big savings they would realize if they changed companies.
If saving the most money is your goal, then the best way to get budget car insurance rates in Dallas is to regularly compare price quotes from companies that insure vehicles in Texas.
- First, take a few minutes and learn about how auto insurance works and the changes you can make to prevent high rates. Many policy risk factors that are responsible for high rates like speeding tickets, accidents and an unfavorable credit rating can be rectified by making minor changes in your lifestyle. Later in this article we will cover instructions to prevent expensive rate increases and find additional discounts.
- Second, quote rates from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like GEICO or Allstate, while independent agencies can provide rate quotes from multiple companies.
- Third, compare the new rates to your existing policy and determine if cheaper Silverado 2500HD coverage is available in Dallas. If you find a better price and buy the policy, make sure coverage is continuous and does not lapse.
The key thing to remember is to try to use identical coverage information on each quote request and and to get rates from all possible companies. This provides an accurate price comparison and plenty of rates choose from.
Locating the most cost-effective car insurance policy in Dallas is quite easy. Practically every person who carries car insurance should get better rates. Although Texas car owners must understand how the larger insurance companies set your policy premium and use it to your advantage.
When shopping for Chevy Silverado 2500HD insurance in Dallas there are multiple ways to obtain and compare prices from insurance companies in your area. The easiest way by far to compare rates is to use the internet to compare rates. When comparing insurance rates, know that comparing more quotes helps you find better pricing. Some companies don’t provide online price quotes, so it’s recommended that you also compare rates from those companies as well.
The car insurance companies shown below offer quotes in Texas. If more than one company is shown, it’s highly recommended you visit as many as you can to get a more complete price comparison.
Rate information and statistics
The coverage table shown next highlights estimates of insurance premium costs for Chevy Silverado 2500HD models. Having a good understanding how insurance prices are formulated can aid in making informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 2500HD LT Crew Cab 4WD | $264 | $542 | $462 | $28 | $138 | $1,434 | $120 |
| Silverado 2500HD LT Crew Cab 2WD | $264 | $624 | $520 | $30 | $156 | $1,594 | $133 |
| Silverado 2500HD LTZ Crew Cab 4WD | $264 | $542 | $462 | $28 | $138 | $1,434 | $120 |
| Silverado 2500HD LT Crew Cab Diesel 4WD | $294 | $624 | $462 | $28 | $138 | $1,546 | $129 |
| Silverado 2500HD LT Crew Cab Diesel 2WD | $294 | $624 | $520 | $30 | $156 | $1,624 | $135 |
| Silverado 2500HD LT Extended Cab Diesel 2WD | $294 | $624 | $520 | $30 | $156 | $1,624 | $135 |
| Silverado 2500HD LTZ Crew Cab 2WD | $294 | $624 | $520 | $30 | $156 | $1,624 | $135 |
| Silverado 2500HD LTZ Crew Cab Diesel 4WD | $294 | $624 | $462 | $28 | $138 | $1,546 | $129 |
| Silverado 2500HD LTZ Crew Cab Diesel 2WD | $294 | $706 | $520 | $30 | $156 | $1,706 | $142 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Premium costs do not factor in specific location information which can increase or decrease premium rates substantially.
Rate comparison for different deductibles
The hardest decision when buying coverage is what deductibles to buy. The following insurance rates help summarize the rate fluctuation when you select higher and lower physical damage coverage deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second set of prices uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 2500HD LT Crew Cab 4WD | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Silverado 2500HD LT Crew Cab 2WD | $332 | $672 | $430 | $26 | $128 | $1,613 | $134 |
| Silverado 2500HD LTZ Crew Cab 4WD | $332 | $584 | $382 | $22 | $114 | $1,459 | $122 |
| Silverado 2500HD LT Crew Cab Diesel 4WD | $370 | $672 | $382 | $22 | $114 | $1,585 | $132 |
| Silverado 2500HD LT Crew Cab Diesel 2WD | $370 | $672 | $430 | $26 | $128 | $1,651 | $138 |
| Silverado 2500HD LT Extended Cab Diesel 2WD | $370 | $672 | $430 | $26 | $128 | $1,651 | $138 |
| Silverado 2500HD LTZ Crew Cab 2WD | $370 | $672 | $430 | $26 | $128 | $1,651 | $138 |
| Silverado 2500HD LTZ Crew Cab Diesel 4WD | $370 | $672 | $382 | $22 | $114 | $1,585 | $132 |
| Silverado 2500HD LTZ Crew Cab Diesel 2WD | $370 | $762 | $430 | $26 | $128 | $1,741 | $145 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 2500HD LT Crew Cab 4WD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Silverado 2500HD LT Crew Cab 2WD | $270 | $542 | $430 | $26 | $128 | $1,396 | $116 |
| Silverado 2500HD LTZ Crew Cab 4WD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Silverado 2500HD LT Crew Cab Diesel 4WD | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
| Silverado 2500HD LT Crew Cab Diesel 2WD | $300 | $542 | $430 | $26 | $128 | $1,426 | $119 |
| Silverado 2500HD LT Extended Cab Diesel 2WD | $300 | $542 | $430 | $26 | $128 | $1,426 | $119 |
| Silverado 2500HD LTZ Crew Cab 2WD | $300 | $542 | $430 | $26 | $128 | $1,426 | $119 |
| Silverado 2500HD LTZ Crew Cab Diesel 4WD | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
| Silverado 2500HD LTZ Crew Cab Diesel 2WD | $300 | $614 | $430 | $26 | $128 | $1,498 | $125 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Price estimates do not factor in specific location information which can decrease or increase coverage rates significantly.
Using the premium rates above, we can conclude that using a $250 deductible will cost you roughly $18 more each month or $216 annually than requesting the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you have at least 14 months between claim filings, you would save money if you elect the higher deductible.
Chevrolet Silverado 2500HD full coverage rates compared to liability only
The example below shows the difference between Chevy Silverado 2500HD insurance rates when comparing full coverage to liability only. The information is based on a clean driving record, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are applied to the premium.
Are you wasting money on full coverage?
There is no clear-cut rule of when to eliminate full coverage, but there is a guideline you can consider. If the annual cost of coverage is more than about 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.
For example, let’s say your Chevy Silverado 2500HD book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would receive is $4,000 after the policy deductible has been paid. If you are paying in excess of $400 annually for full coverage, the it may be a good time to stop paying for full coverage.
There are some scenarios where only buying liability is not recommended. If you haven’t paid off your loan, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.
Get discounts on Dallas car insurance
Insuring your fleet can be pricey, but there are discounts available that could drop your premiums quite a bit. Some of these discounts will be visible at the time you complete a quote, but some must be requested specifically before they will apply. If you do not check that you are getting every discount you qualify for, it’s possible you qualify for a lower rate.
- Discount for Low Mileage – Maintaining low annual mileage may enable drivers to earn discounted rates on garaged vehicles.
- Braking Control Discount – Cars and trucks with anti-lock braking systems can stop better under adverse conditions and the ABS can save up to 10%.
- Good Grades Discount – Getting good grades may save you up to 25%. Earning this discount can benefit you until age 25.
- Senior Citizen Discount – Older drivers may receive a small discount on rates.
- Discount for Home Ownership – Simply owning a home can earn you a little savings since home ownership requires personal responsibility.
- No Charge for an Accident – Not a discount per se, but a few companies such as Progressive and Allstate will let one accident slide without getting socked with a rate hike so long as you haven’t had any claims for a set time period.
Discounts reduce rates, but you should keep in mind that most credits do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as comp or med pay. So even though you would think all those discounts means the company will pay you, companies don’t profit that way.
The diagram below compares Chevy Silverado 2500HD yearly insurance costs with and without discounts applied. The premiums assume a male driver, no accidents, no driving violations, Texas state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, claim-free, multi-policy, safe-driver, and multi-car discounts applied.
The best car insurance companies and the discounts they provide can be read below.
- GEICO has discounts for driver training, daytime running lights, air bags, anti-lock brakes, good student, and five-year accident-free.
- USAA discounts include vehicle storage, multi-policy, family discount, military installation, and multi-vehicle.
- Progressive offers discounts for online signing, multi-policy, continuous coverage, good student, and homeowner.
- American Family includes discounts for good driver, defensive driver, accident-free, multi-vehicle, and mySafetyValet.
- Esurance may offer discounts for good driver, anti-theft, multi-policy, online quote, DriveSense, safety device, and multi-car.
- Farmers Insurance has savings for teen driver, business and professional, alternative fuel, early shopping, switch companies, good student, and mature driver.
- State Farm offers premium reductions for accident-free, student away at school, driver’s education, good student, and Drive Safe & Save.
When getting free Dallas auto insurance quotes, it’s a good idea to all the companies to apply every possible discount. Some of the earlier mentioned discounts may not be available in Dallas. To view insurers who offer cheap Chevy Silverado 2500HD insurance quotes in Texas, click here.
Protect your Chevy vehicle and other assets
Despite the potentially high cost of Chevy Silverado 2500HD insurance, buying auto insurance is required by state law in Texas and it also provides benefits you may not be aware of.
- Just about all states have compulsory liability insurance requirements which means the state requires specific minimum amounts of liability protection if you don’t want to risk a ticket. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a lien on your Silverado 2500HD, it’s guaranteed your bank will require that you have physical damage coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank will be required to insure your Chevy for a much higher rate and require you to pay for it.
- Auto insurance protects not only your car but also your assets. It will also pay for medical transport and hospital expenses incurred in an accident. As part of your policy, liability insurance will also pay attorney fees if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of carrying enough insurance more than offset the price you pay, particularly if you ever have a claim. An average driver in America is currently overpaying as much as $865 each year so it’s very important to do a rate comparison at every renewal to make sure the price is not too high.
You may need specialized auto insurance coverage
Always keep in mind that when comparing the best auto insurance coverage, there really is not a “best” method to buy coverage. Each situation is unique so this has to be addressed.
Here are some questions about coverages that may help you determine if your situation might need an agent’s assistance.
- Does medical payments coverage apply to all occupants?
- How can I force my company to pay a claim?
- At what point should I drop full coverage?
- Do I need to call my car insurance company before buying a new car?
- Why are teen drivers so expensive to add on to my policy?
- Is my Chevy Silverado 2500HD covered for smoke damage?
If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier
Compare rate quotes but still have a local neighborhood Dallas car insurance agent
Certain consumers just prefer to sit down and talk to an agent and that is recommended in a lot of cases The biggest benefit of price shopping on the web is the fact that drivers can get cheap insurance quotes and still buy from a local agent.
After filling out this short form, your insurance coverage information is transmitted to companies in Dallas that can give you free Dallas auto insurance quotes and help you find cheaper coverage. You won’t even need to leave your house because prices are sent straight to your inbox. Get lower rates without the usual hassles of price shopping. In the event you want to get a price quote from a specific insurance provider, you would need to find their quoting web page and submit a quote form there.
Selecting an company requires more thought than just a cheap price. Any good agent in Dallas should know the answers to these questions.
- How are claims handled?
- How much can you save by raising your physical damage deductibles?
- Are they actively involved in the community?
- Are there any extra charges for paying monthly?
- Do they specialize in personal lines coverage in Dallas?
Choose an insurance agent wisely
If you want to buy insurance from a good insurance agency, there are a couple of types of agencies and how they can write your policy. Insurance policy providers are classified as either independent or exclusive depending on the company they work for.
Exclusive Insurance Agents
Exclusive agencies are contracted to one company such as State Farm or Allstate. Exclusive agents are unable to provide rate quotes from other companies so they have to upsell other benefits. They are well trained on their products and sales techniques which helps them compete with independent agents. Consumers often choose to use a exclusive agent mostly because of the prominence of the brand rather than having low rates.
Listed below is a short list of exclusive agents in Dallas that are able to give comparison quotes.
- Joe Pearce – State Farm Insurance Agent
9543 Losa Dr #111 – Dallas, TX 75218 – (214) 327-9315 – View Map - Marybel Castilleja – State Farm Insurance Agent
4444 W Jefferson Blvd Ste 620 – Dallas, TX 75211 – (214) 331-7680 – View Map - Linda Horton State Farm Insurance Agency
8150 N Central Expy #735 – Dallas, TX 75206 – (214) 363-4563 – View Map
Independent Insurance Agencies
Agents that elect to be independent do not work for one specific company so they can quote policies with lots of companies and help determine which has the cheapest rates. If your premiums go up, they simply move your policy to a different company and you don’t have to switch agencies. If you need lower rates, it’s recommended you get insurance quotes from a couple of independent agencies for the best price selection. Many can place coverage with mutual insurance companies that many times have cheaper rates.
Shown below are independent insurance agents in Dallas who can help you get price quotes.
- Texas Insurance Pro
2695 Villa Creek Dr #175 – Dallas, TX 75234 – (214) 717-4326 – View Map - Nationwide Insurance: The Rod Hanks Agency Inc
6300 Samuell Blvd #05 – Dallas, TX 75228 – (214) 275-8372 – View Map - Frederiksen and Frederiksen Insurance
12900 Preston Rd #500 – Dallas, TX 75230 – (972) 387-8646 – View Map