Affordable Chevy Silverado 2500HD Insurance in Tulsa

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Insurance rates Chevy Silverado 2500HD in TulsaHow long has it been since the last time you looked for more competitive insurance rates in Tulsa, OK? Tulsa shoppers have many options when shopping for affordable Chevy Silverado 2500HD insurance. You can either waste hours contacting agents to compare prices or utilize the internet to make rate comparisons.

There is a better way to find insurance online and we'll show you the quickest way to get price quotes for a new or used Chevy and obtain the cheapest rates from Tulsa insurance agents and online providers.

It is always a good idea to do price comparisons every six months since prices trend upward over time. Despite the fact that you may have had the lowest rate on Chevy Silverado 2500HD insurance in Tulsa on your last policy there is a good chance you can find better premium rates now. Block out anything you think you know about insurance because we're going to show you the best methods to find better rates and still maintain coverage.

If you're already insured or just want to save money, you can follow these tips to find the best rates and still get good coverage. Our goal is to familiarize you with the best methods to compare rates and some tricks to saving. Consumers only have to learn the most effective way to compare insurance rates using one simple form.

The quickest method to compare rate quotes for Chevy Silverado 2500HD insurance in Tulsa utilizes the fact auto insurance companies allow for online access to provide you with free rate quotes. To get started, all you need to do is provide a small amount of information like how much education you have, if the vehicle is leased, how your vehicles are used, and what you do for a living. That information is instantly sent to multiple different insurance companies and you will receive price estimates instantly.

To start a quote now, click here and see if a lower rate is available in Tulsa.

The companies in the list below are ready to provide quotes in Oklahoma. In order to find cheap car insurance in Tulsa, we suggest you get price quotes from several of them to get a more complete price comparison.

Chevy Silverado 2500HD coverage statistics

The rate information below showcases different insurance costs for Chevy Silverado 2500HD models. Having a good grasp of how insurance quotes are determined can assist in making informed decisions when shopping around for a new policy.

Chevrolet Silverado 2500HD Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado 2500HD LT Crew Cab 4WD $376 $778 $584 $34 $174 $1,946 $162
Silverado 2500HD LT Crew Cab 2WD $376 $896 $658 $38 $198 $2,166 $181
Silverado 2500HD LTZ Crew Cab 4WD $376 $778 $584 $34 $174 $1,946 $162
Silverado 2500HD LT Crew Cab Diesel 4WD $418 $896 $584 $34 $174 $2,106 $176
Silverado 2500HD LT Crew Cab Diesel 2WD $418 $896 $658 $38 $198 $2,208 $184
Silverado 2500HD LT Extended Cab Diesel 2WD $418 $896 $658 $38 $198 $2,208 $184
Silverado 2500HD LTZ Crew Cab 2WD $418 $896 $658 $38 $198 $2,208 $184
Silverado 2500HD LTZ Crew Cab Diesel 4WD $418 $896 $584 $34 $174 $2,106 $176
Silverado 2500HD LTZ Crew Cab Diesel 2WD $418 $1012 $658 $38 $198 $2,324 $194
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Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Rates do not factor in specific location which can decrease or increase prices greatly.

Physical damage deductibles: Should you raise them?

One of the hardest decisions when shopping for car insurance is what deductibles to buy. The following tables can help you understand how much more rates are between low and high physical damage deductibles. The first set of prices uses a $100 comprehensive and collision deductible and the second data table uses a $500 deductible.

Chevrolet Silverado 2500HD insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado 2500HD LT Crew Cab 4WD $436 $822 $448 $26 $134 $1,891 $158
Silverado 2500HD LT Crew Cab 2WD $436 $946 $506 $30 $152 $2,095 $175
Silverado 2500HD LTZ Crew Cab 4WD $436 $822 $448 $26 $134 $1,891 $158
Silverado 2500HD LT Crew Cab Diesel 4WD $486 $946 $448 $26 $134 $2,065 $172
Silverado 2500HD LT Crew Cab Diesel 2WD $486 $946 $506 $30 $152 $2,145 $179
Silverado 2500HD LT Extended Cab Diesel 2WD $486 $946 $506 $30 $152 $2,145 $179
Silverado 2500HD LTZ Crew Cab 2WD $486 $946 $506 $30 $152 $2,145 $179
Silverado 2500HD LTZ Crew Cab Diesel 4WD $486 $946 $448 $26 $134 $2,065 $172
Silverado 2500HD LTZ Crew Cab Diesel 2WD $486 $1070 $506 $30 $152 $2,269 $189
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Chevrolet Silverado 2500HD insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado 2500HD LT Crew Cab 4WD $318 $554 $448 $26 $134 $1,480 $123
Silverado 2500HD LT Crew Cab 2WD $318 $638 $506 $30 $152 $1,644 $137
Silverado 2500HD LTZ Crew Cab 4WD $318 $554 $448 $26 $134 $1,480 $123
Silverado 2500HD LT Crew Cab Diesel 4WD $354 $638 $448 $26 $134 $1,600 $133
Silverado 2500HD LT Crew Cab Diesel 2WD $354 $638 $506 $30 $152 $1,680 $140
Silverado 2500HD LT Extended Cab Diesel 2WD $354 $638 $506 $30 $152 $1,680 $140
Silverado 2500HD LTZ Crew Cab 2WD $354 $638 $506 $30 $152 $1,680 $140
Silverado 2500HD LTZ Crew Cab Diesel 4WD $354 $638 $448 $26 $134 $1,600 $133
Silverado 2500HD LTZ Crew Cab Diesel 2WD $354 $722 $506 $30 $152 $1,764 $147
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rate quotes do not factor in the specific area where the vehicle is garaged which can increase or decrease prices noticeably.

Using the data above, we can ascertain that using a $100 deductible would cost the average driver about $38 more each month or $456 annually than requesting the higher $500 deductible. Because you would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to go more than 11 months between claim filings, you would save more money if you elect the higher deductible. The numbers below show how you can make this decision for your own policy.

Average monthly premium for $100 deductibles: $173
Average monthly premium for $500 deductibles (subtract): - $135
Monthly savings from raising deductible: $38
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $38
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 11 months

Reckless driving habits raise car insurance rates

The diagram below highlights how traffic violations and at-fault collisions can raise Chevy Silverado 2500HD insurance rates for different categories of driver ages. The rates are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.

Full coverage rates vs. liability-only in Tulsa

The information below compares Chevy Silverado 2500HD auto insurance costs with full physical damage coverage and with liability coverage only. The premium estimates are based on no violations or claims, $250 deductibles, drivers are not married, and no policy discounts are applied.

When to eliminate full coverage

There isn't a steadfast formula that is best for determining when to drop physical damage coverage, but there is a general convention. If the annual cost of having full coverage is 10% or more of the vehicle's replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let's pretend your Chevy Silverado 2500HD replacement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $7,000 after paying the physical damage deductible. If it's costing in excess of $700 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are a few cases where only buying liability is not advised. If you haven't paid off your loan, you have to keep full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

Get Chevy Silverado 2500HD Insurance at a Discount

Lots of factors are considered when premium rates are determined. Most are fairly basic like an MVR report, but other factors are more transparent like where you live and annual miles driven. One of the most helpful ways to save on car insurance is to to have a grasp of some of the things that help determine car insurance rates. When you understand what determines premiums, this enables you to make decisions that can earn you much lower annual insurance costs.

  • Gender and insurance costs - Over time, data shows that females take fewer risks when driving. However, this does not mean females are better drivers. Women and men cause auto accidents in similar numbers, but guys have accidents that have higher claims. Not only that, but men also receive more costly citations like DWI (DUI) or reckless driving. Young men ages 16 to 20 are most likely to cause an accident so they pay the highest premiums.

    The chart below shows the difference between Chevy Silverado 2500HD yearly insurance costs for male and female drivers. The price estimates are based on no violations or accidents, comprehensive and collision coverage, $250 deductibles, marital status is single, and no discounts are factored in.

  • Remove unneeded incidental coverages - Insurance companies have many extra add-on coverages that you can get tricked into buying on your Silverado 2500HD policy. Insurance for things like roadside assistance, accidental death, and extra equipment coverage are probably not needed. They may seem good when buying your policy, but your needs may have changed so eliminate them to save money.
  • Bundle home and auto and save - Some companies allow lower prices for people that buy multiple policies such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. Even if you qualify for this discount already, it's always a smart idea to compare other company rates to guarantee you are still saving the most. Drivers may still save even more even if you have your coverage with different companies
  • Better rates on safer vehicles - Cars with high safety ratings get lower rates. These vehicles reduce occupant injuries and fewer serious injuries means less claims paid passed on to you as lower rates.

Why you need Chevy Silverado 2500HD insurance in Oklahoma

Even though Tulsa Silverado 2500HD insurance rates can get expensive, car insurance serves an important purpose.

  • Almost all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a minimum amount of liability if you want to drive legally. In Oklahoma these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you bought your Silverado 2500HD with a loan, it's guaranteed your bank will require that you buy full coverage to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the bank will be required to insure your Chevy for a much higher rate and force you to pay for the much more expensive policy.
  • Car insurance preserves both your Chevy and your assets. It will also provide coverage for medical expenses for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, will also pay to defend you if you are sued as the result of an accident. If you have damage to your Chevy as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay all costs to repair after the deductible has been paid.

The benefits of carrying adequate insurance are definitely more than the cost, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver is overpaying more than $850 per year so you should quote and compare rates every year to ensure rates are competitive.