Chevy Silverado insurance policy image courtesy of QuoteInspector.com
Do you want to save money by finding the cheapest car insurance rates in Santa Ana, CA? Santa Ana shoppers have lots of choices when shopping for the lowest priced Chevy Silverado 3500HD insurance. You can either waste hours calling around to get rate comparisons or save time using the internet to find the lowest rates. There is a right way and a wrong way to buy car insurance and we'll show you the proper way to compare rates for your Chevy and locate the cheapest rates.
It's a good habit to get comparison quotes before your next renewal since prices fluctuate regularly. Despite the fact that you may have had the best deal on Chevy Silverado 3500HD insurance in Santa Ana last year there is a good chance you can find better premium rates now. Forget anything you know (or think you know) about car insurance because you're going to get a crash course in the only way to save money, get proper coverage and the best rates.
Most companies give coverage prices on the web. Comparing Chevy Silverado 3500HD insurance rates online is pretty painless as you simply enter your coverage preferences into the form. After you submit the form their system makes automated requests for credit information and your driving record and gives you a price quote.
Using the web to get quotes for Chevy Silverado 3500HD insurance in Santa Ana streamlines rate comparisons, and it's also necessary to have as many quotes as possible if you want to find the cheapest possible prices on auto insurance.
To use this form to compare rates, consider comparing rates from the companies shown below. If you have your current policy handy, we recommend you replicate the insurance coverages just like they are on your policy. This way, you're receiving rate quotes for similar insurance coverage.
The providers in the list below are our best choices to provide price quotes in Santa Ana, CA. If the list has multiple companies, we suggest you compare several of them to find the cheapest car insurance rates.
Save money by receiving these five discounts
Insuring your fleet can be pricey, but you might find some hidden discounts that could drop your premiums quite a bit. Many discounts should be triggered at the time of purchase, but a few need to be asked for before you will receive the discount.
- Seat Belts Save - Drivers who always wear seat belts and also require passengers to use a seat belt can save a little on medical payment and PIP coverage.
- Early Signing - A few insurance companies give discounts for buying a new policy early. The savings is around 10%.
- Passive Restraints - Vehicles with factory air bags or motorized seat belts may get savings of 25 to 30%.
- Theft Prevention Discount - Vehicles that have factory alarm systems and tracking devices can help prevent theft and will qualify for a discount on a Santa Ana auto insurance quote.
- Mature Driver Discount - Mature drivers can possibly qualify for a small discount on rates.
A little note about advertised discounts, some of the credits will not apply to the entire cost. Most only apply to the price of certain insurance coverages like comp or med pay. Even though the math looks like you would end up receiving a 100% discount, it's just not the way it works.
The diagram below visualizes the comparison of Chevy Silverado 3500HD annual premium costs with and without discounts applied to the policy rates. The rates are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, claim-free, multi-policy, marriage, and multi-car discounts applied.
A few of the larger companies and their offered discounts are outlined below.
- Progressive has discounts for continuous coverage, good student, multi-vehicle, multi-policy, homeowner, and online quote discount.
- MetLife policyholders can earn discounts including good driver, accident-free, good student, defensive driver, claim-free, multi-policy
- Mercury Insurance discounts include anti-theft, location of vehicle, accident-free, good student, ease of repair, multi-policy, and type of vehicle.
- Nationwide may offer discounts for good student, multi-policy, accident-free, anti-theft, and defensive driving.
- GEICO includes discounts for five-year accident-free, good student, daytime running lights, membership and employees, military active duty, and defensive driver.
- AAA has savings for pay-in-full, multi-car, AAA membership discount, good student, and anti-theft.
Double check with every insurance company which discounts you qualify for. Some discounts listed above might not be offered on policies in your state.
Rates and data analysis
The price information shown next covers different insurance coverage prices for Chevy Silverado 3500HD models. Being aware of how policy premiums are established can help customers make smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 3500HD LT Crew Cab 4WD | $390 | $718 | $568 | $34 | $170 | $1,880 | $157 |
| Silverado 3500HD LT Extended Cab 4WD | $390 | $718 | $568 | $34 | $170 | $1,880 | $157 |
| Silverado 3500HD LT Crew Cab 2WD | $390 | $624 | $456 | $26 | $136 | $1,632 | $136 |
| Silverado 3500HD LTZ Crew Cab 2WD | $430 | $624 | $456 | $26 | $136 | $1,672 | $139 |
| Silverado 3500HD LT Crew Cab Diesel 2WD | $430 | $718 | $456 | $26 | $136 | $1,766 | $147 |
| Silverado 3500HD LTZ Crew Cab Diesel 2WD | $430 | $718 | $456 | $26 | $136 | $1,766 | $147 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price information does not factor in specific Santa Ana garaging location which can lower or raise premium rates significantly.
Where to set your deductibles
One of the more difficult decisions when buying insurance is which comprehensive and collision deductibles to buy. The comparison tables below may help you to understand the difference in cost of buying low and high policy deductibles. The first price estimate table uses a $100 comprehensive and collision 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 | $478 | $932 | $552 | $32 | $166 | $2,185 | $182 |
| Silverado 3500HD LT Extended Cab 4WD | $478 | $932 | $552 | $32 | $166 | $2,185 | $182 |
| Silverado 3500HD LT Crew Cab 2WD | $478 | $810 | $442 | $26 | $132 | $1,913 | $159 |
| Silverado 3500HD LTZ Crew Cab 2WD | $528 | $810 | $442 | $26 | $132 | $1,963 | $164 |
| Silverado 3500HD LT Crew Cab Diesel 2WD | $528 | $932 | $442 | $26 | $132 | $2,085 | $174 |
| Silverado 3500HD LTZ Crew Cab Diesel 2WD | $528 | $932 | $442 | $26 | $132 | $2,085 | $174 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 3500HD LT Crew Cab 4WD | $348 | $630 | $552 | $32 | $166 | $1,728 | $144 |
| Silverado 3500HD LT Extended Cab 4WD | $348 | $630 | $552 | $32 | $166 | $1,728 | $144 |
| Silverado 3500HD LT Crew Cab 2WD | $348 | $546 | $442 | $26 | $132 | $1,494 | $125 |
| Silverado 3500HD LTZ Crew Cab 2WD | $384 | $546 | $442 | $26 | $132 | $1,530 | $128 |
| Silverado 3500HD LT Crew Cab Diesel 2WD | $384 | $630 | $442 | $26 | $132 | $1,614 | $135 |
| Silverado 3500HD LTZ Crew Cab Diesel 2WD | $384 | $630 | $442 | $26 | $132 | $1,614 | $135 |
| 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 multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rate quotes do not factor in the specific area where the vehicle is garaged which can decrease or increase insurance rates greatly.
Using the premium rates above, we can conclude that using a $100 deductible costs an average of $38 more each month or $456 every year across all Chevrolet Silverado 3500HD models than quoting the higher $500 deductible. Since you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally average more than 11 months between claims, you would probably come out ahead if you opt for a higher deductible.
The illustration below illustrates how choosing a deductible and can impact Chevy Silverado 3500HD insurance costs for each different age category. The premium estimates are based on a married female driver, comp and collision included, and no policy discounts are applied.
Rate comparison of males versus females
The illustration below compares Chevy Silverado 3500HD insurance prices for male and female drivers. The information is based on no violations or claims, comprehensive and collision coverage, $100 deductibles, single status, and no discounts are taken into consideration.
When should I get advice from an agent?
Many drivers just prefer to talk to a local agent and that is a personal choice. Good insurance agents can make sure you are properly covered and help file insurance claims. One of the benefits of price shopping on the web is that you can obtain cheaper auto insurance rates but still work with a licensed agent.
To find an agent, once you fill out this simple form, the coverage information is submitted to insurance agents in Santa Ana who can give free rate quotes for your car insurance coverage. It makes it easy because there is no need to search for an agent because prices are sent directly to your email. If you wish to get a rate quote from one company in particular, you can always search and find their rate quote page and submit a quote form there.
Finding the right provider should depend on more than just a low price. Ask your prospective agent these questions:
- Which insurance companies are they affiliated with?
- What insurance company do they write the most business with?
- Do they see any coverage gaps in your plan?
- Is the agent properly licensed in California?
- Do the agents have professional certifications like CPCU or CIC?
- Are they actively involved in the community?
- Does the agency have a current Errors and Omissions policy?
Auto insurance agents in Santa Ana come in two varieties
When searching for a good Santa Ana insurance agent, it helps to know the two different agency structures that differ in how they can insure your vehicles. Agents in Santa Ana can be described as either independent agents or exclusive agents depending on their employer. Either one can write car insurance policies, but it's important to know the subtle differences since it may influence the type of agent you choose.
Exclusive Car Insurance Agencies
Exclusive insurance agents can only provide pricing for a single company like American Family, State Farm, and Allstate. They are unable to compare other company's rates so it's a take it or leave it situation. These agents are trained well on sales techniques which helps offset the inability to provide other markets. Drivers often use the same exclusive agent mostly because of the brand rather than low price.
Below is a short list of exclusive agencies in Santa Ana willing to provide rate quotes.
- Allstate Insurance: Octavio R E Pina
1926 S Main St - Santa Ana, CA 92707 - (714) 444-3022 - View Map - Farmers Insurance - Jose Garrido
705 W 17th St, Ste B-2 - Santa Ana, CA 92706 - (714) 558-4814 - View Map - Kelly Davis - State Farm Insurance Agent
2677 N Main St #150 - Santa Ana, CA 92705 - (714) 647-6303 - View Map
Independent Insurance Agents
Independent agents are not employed by any specific company so they can quote policies through many companies depending on which coverage is best. If they quote lower rates, they simply switch companies in-house which is easy for the insured.
When comparison shopping, you will want to include a couple of independent agencies for the best price selection. Most also write with small mutual carriers which could offer lower prices.
Listed below are Santa Ana independent insurance agencies willing to provide comparison quotes.
- Premier One Insurance Services
2755 N Grand Ave - Santa Ana, CA 92705 - (714) 288-6060 - View Map - Auto Express Insurance Agency
202 S Grand Ave - Santa Ana, CA 92701 - (800) 400-3038 - View Map - ZIBARA INSURANCE AGENCY, INC.
1700 E Garry Ave #206 - Santa Ana, CA 92705 - (949) 660-8800 - View Map
Special considerations
Always remember that when buying coverage online or from an agent, there really is not a "best" method to buy coverage. You are unique.
For example, these questions might point out whether or not you might need professional guidance.
- Should I rate my Chevy Silverado 3500HD as pleasure use or commute?
- What is no-fault insurance?
- Is a fancy paint job covered?
- Is my camper covered for physical damage?
- Am I covered when driving someone else's vehicle?
- What if I owe more than I can insure my car for?
If you're not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.
Why you need insurance for your Chevy Silverado 3500HD
Despite the high cost, insurance is most likely required but also gives you several important benefits.
- Almost all states have mandatory liability insurance requirements which means the state requires a specific level of liability insurance in order to license the vehicle. 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 has a loan, more than likely the lender will have a requirement that you carry insurance to guarantee loan repayment. If coverage lapses or is canceled, the lender will be forced to insure your Chevy at an extremely high rate and require you to fork over the higher premium.
- Insurance protects your vehicle and your assets. Insurance will pay for hospital and medical expenses for yourself as well as anyone injured by you. Liability coverage, the one required by state law, also covers legal expenses if you are sued as the result of your driving. If mother nature or an accident damages your car, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of insuring your car more than offset the price you pay, particularly when you have a large claim. In a recent study of 1,000 drivers, the average customer is overpaying more than $869 every year so you should quote and compare rates at every policy renewal to save money.
Car insurance coverages and their meanings
Knowing the specifics of your policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.
Liability insurance - This will cover damage that occurs to people or other property in an accident. It protects YOU from claims by other people, and doesn't cover damage to your own property or vehicle.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 15/30/5 which means a $15,000 limit per person for injuries, a total of $30,000 of bodily injury coverage per accident, and a total limit of $5,000 for damage to vehicles and property.
Liability coverage protects against things such as structural damage, legal defense fees, loss of income and funeral expenses. How much liability coverage do you need? That is your choice, but it's cheap coverage so purchase as large an amount as possible. California state law requires minimum liability limits of 15/30/5 but it's recommended drivers buy more coverage.
The chart below shows why buying the state minimum limits may not provide adequate coverage.
Collision coverage - This pays for damage to your Silverado 3500HD from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims like crashing into a building, hitting a mailbox, sideswiping another vehicle, hitting a parking meter and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It's also possible to bump up the deductible on your Silverado 3500HD in order to get cheaper collision rates.
Protection from uninsured/underinsured drivers - Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Chevy Silverado 3500HD.
Due to the fact that many California drivers carry very low liability coverage limits (15/30/5), it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Medical expense insurance - Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for dental work, chiropractic care and surgery. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage
Comprehensive (Other than Collision) - Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims like theft, damage from a tornado or hurricane, falling objects, a tree branch falling on your vehicle and fire damage. The highest amount you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.
One last note
As you quote Santa Ana auto insurance, don't be tempted to buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped liability coverage limits and found out when filing a claim that it was a big mistake. The ultimate goal is to buy enough coverage for the lowest cost.
Cheaper Chevy Silverado 3500HD insurance in Santa Ana can be bought online in addition to many Santa Ana insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance providers may not offer price quotes online and usually these regional carriers only sell through independent agents.
We just covered some good ideas how you can save on Chevy Silverado 3500HD insurance in Santa Ana. It's most important to understand that the more times you quote, the higher your chance of finding low cost Santa Ana auto insurance quotes. You may even be surprised to find that the lowest rates are with a small mutual company.
Steps to finding cheaper rates for Chevy Silverado 3500HD insurance in Santa Ana
The easiest way to find cheaper prices for Chevy Silverado 3500HD insurance in Santa Ana is to compare prices once a year from providers in California.
- Read about how companies set rates and the things you can change to prevent expensive coverage. Many risk factors that cause high rates such as at-fault accidents, careless driving, and a bad credit rating can be amended by making small lifestyle or driving habit changes.
- Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from a single company like GEICO and State Farm, while independent agencies can quote rates for a wide range of insurance providers. Get quotes now
- Compare the quotes to the premium of your current policy to see if cheaper Silverado 3500HD coverage is available in Santa Ana. If you find a better price, ensure coverage does not lapse between policies.
- Provide notification to your current company of your decision to cancel your current policy. Submit a down payment along with a signed application to the new company. Once coverage is bound, place your new proof of insurance certificate in your vehicle.
One key aspect of rate comparisons is to compare identical deductibles and limits on every quote and to quote with as many companies as you can. Doing this provides a fair rate comparison and a thorough selection of prices.
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- Winter Driving (Insurance Information Institute)
- Shopping for a Safe Car (Insurance Information Institute)