The preferred way to get affordable Chevy Silverado 3500HD insurance is to regularly compare price quotes from insurance carriers who can sell car insurance in Tulsa. You can shop around by following these guidelines.
- Try to learn about policy coverages and the factors you can control to keep rates in check. Many factors that cause rate increases such as traffic tickets, fender benders, and a bad credit score can be controlled by making lifestyle changes or driving safer. This article gives more information to get cheaper rates and find additional discounts you may qualify for.
- Compare prices from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give prices from one company like Progressive or State Farm, while agents who are independent can quote prices for many different companies. View companies
- Compare the new rate quotes to your current policy to see if switching to a new carrier will save money. If you find a lower rate quote and decide to switch, make sure coverage is continuous and does not lapse.
- Provide adequate notice to your current company of your intention to cancel your current auto insurance policy and submit a signed application and payment for your new coverage. Be sure to keep your new certificate verifying coverage with your registration paperwork.
The key aspect of shopping around is to try to use similar limits and deductibles on each quote request and and to get price estimates from as many companies as you can. Doing this helps ensure the most accurate price comparison and the best price selection.
It’s hard to believe, but most consumers have remained with the same car insurance company for more than four years, and almost 40% of drivers have never compared rates from other carriers. Many drivers in Oklahoma could pocket roughly 35% a year by just comparing quotes, but most just don’t grasp the amount of savings they would get if they switched to a cheaper policy.
Our goal is to familiarize you with how to compare rates easily. If you are insured now, you will be able to cut your premiums using the techniques presented in this article. Consumers just have to know the quickest method to compare prices online.
Chevy Silverado 3500HD insurance discounts in Tulsa
Car insurance can cost a lot, but you can get discounts that could drop your premiums quite a bit. Most are applied at quote time, but occasionally some discounts must be specifically requested before you will receive the discount.
- Safety Course Discount – Passing a class that teaches defensive driver techniques may get you a small discount and easily recoup the cost of the course.
- Discount for Swiching Early – Some larger companies reward drivers for switching companies early. This discount can save up to 10%.
- Waiver for an Accident – This isn’t a discount exactly, but companies like Allstate and GEICO allow you one accident without raising rates if you are claim-free prior to the accident.
- Bundle and Save – If you can combine your home and auto policy and place coverage with the same company you may save at least 10% off all policies.
- Low Mileage Discounts – Low mileage vehicles could be rewarded with substantially lower rates.
- Military Discounts – Having a family member in the military could mean lower car insurance rates.
- Driver’s Education for Students – Have your child successfully complete driver’s ed class as it can save substantially.
- Seat Belts Save more than Lives – Drivers who require all vehicle occupants to wear their seat belts can save a little on medical payment and PIP coverage.
- E-sign Discounts – A handful of larger companies will give a small break for completing your application over the internet.
- Telematics Discount – People who choose to allow companies to study vehicle usage by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if they exhibit good driving behavior.
Policy discounts save money, but most of the big mark downs will not be given to the entire cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, nobody gets a free ride.
The chart below shows the difference between Chevy Silverado 3500HD auto insurance costs with and without some available policy discounts. The data is based on a female driver, no violations or claims, Oklahoma state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, marriage, claim-free, safe-driver, and multi-car discounts applied.
Auto insurance companies who might offer most of these discounts include:
If you need lower rates, check with all the companies to give you their best rates. Discounts might not be offered on policies everywhere. To see insurers that offer the discounts shown above in Oklahoma, follow this link.
Low cost Tulsa Chevy Silverado 3500HD insurance quotes
All major car insurance companies such as State Farm, GEICO and Progressive allow consumers to get prices for coverage directly from their websites. Comparing Chevy Silverado 3500HD insurance rates online can be done by anyone because it’s just a matter of typing in your personal and coverage information as requested by the quote form. After you complete the form, their quoting system gets information on your driving record and credit history and returns a price based on the data you entered. Getting online rate quotes for Chevy Silverado 3500HD insurance in Tulsa makes it simple to compare prices and it’s also necessary to do this if you want to find lower-cost rates.
To save time and compare rates using this form now, check out the car insurance providers below. If you have coverage now, it’s recommended you input the insurance coverages exactly as shown on your declarations page. Doing this guarantees you will get comparison quotes based on the exact same insurance coverage.
The car insurance companies shown below offer free quotes in Tulsa, OK. If your goal is to find the best cheap car insurance in OK, we suggest you get rate quotes from several of them in order to find the cheapest rates.
Coverage information
The premium table shown below highlights detailed analysis of insurance policy prices for Chevy Silverado 3500HD models. Being more informed about how rate quotes are calculated is important for you to make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 3500HD LT Crew Cab 4WD | $336 | $658 | $528 | $32 | $158 | $1,712 | $143 |
| Silverado 3500HD LT Extended Cab 4WD | $336 | $658 | $528 | $32 | $158 | $1,712 | $143 |
| Silverado 3500HD LT Crew Cab 2WD | $336 | $572 | $422 | $24 | $126 | $1,480 | $123 |
| Silverado 3500HD LTZ Crew Cab 2WD | $370 | $572 | $422 | $24 | $126 | $1,514 | $126 |
| Silverado 3500HD LT Crew Cab Diesel 2WD | $370 | $658 | $422 | $24 | $126 | $1,600 | $133 |
| Silverado 3500HD LTZ Crew Cab Diesel 2WD | $370 | $658 | $422 | $24 | $126 | $1,600 | $133 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Price estimates do not factor in vehicle location which can raise or lower premium rates noticeably.
Policy deductible comparison
One of the hardest decisions when shopping for insurance is how high or low should comp and collision deductibles be. The tables below summarize the rate differences when you choose different policy deductibles. The first rate estimation uses a $250 deductible for comp and collision and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 3500HD LT Crew Cab 4WD | $436 | $792 | $560 | $34 | $168 | $2,015 | $168 |
| Silverado 3500HD LT Extended Cab 4WD | $436 | $792 | $560 | $34 | $168 | $2,015 | $168 |
| Silverado 3500HD LT Crew Cab 2WD | $436 | $688 | $448 | $26 | $134 | $1,757 | $146 |
| Silverado 3500HD LTZ Crew Cab 2WD | $480 | $688 | $448 | $26 | $134 | $1,801 | $150 |
| Silverado 3500HD LT Crew Cab Diesel 2WD | $480 | $792 | $448 | $26 | $134 | $1,905 | $159 |
| Silverado 3500HD LTZ Crew Cab Diesel 2WD | $480 | $792 | $448 | $26 | $134 | $1,905 | $159 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 3500HD LT Crew Cab 4WD | $270 | $498 | $560 | $34 | $168 | $1,530 | $128 |
| Silverado 3500HD LT Extended Cab 4WD | $270 | $498 | $560 | $34 | $168 | $1,530 | $128 |
| Silverado 3500HD LT Crew Cab 2WD | $270 | $432 | $448 | $26 | $134 | $1,310 | $109 |
| Silverado 3500HD LTZ Crew Cab 2WD | $296 | $432 | $448 | $26 | $134 | $1,336 | $111 |
| Silverado 3500HD LT Crew Cab Diesel 2WD | $296 | $498 | $448 | $26 | $134 | $1,402 | $117 |
| Silverado 3500HD LTZ Crew Cab Diesel 2WD | $296 | $498 | $448 | $26 | $134 | $1,402 | $117 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Rate quotes do not factor in garaging location in Tulsa which can decrease or increase price quotes considerably.
Based on the figures above, using a $250 deductible costs about $40 more each month or $480 each year than choosing the higher $1,000 deductible. Because you would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 19 months between claims, you would probably come out ahead by going with a higher deductible.
The chart below shows how different deductible levels and can increase or decrease Chevy Silverado 3500HD annual premium costs for different age categories. The prices are based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.
Tickets and at-fault accidents raise rates
The information below demonstrates how speeding tickets and at-fault collisions can affect Chevy Silverado 3500HD insurance rates for different age groups. The premium estimates are based on a single male driver, comp and collision included, $250 deductibles, and no policy discounts are applied.
Local Tulsa auto insurance agents and insurance
Some people just prefer to buy from a licensed agent and that can be a great decision Licensed agents will help you protect your assets and help you file claims. The best thing about comparing insurance prices online is that you can obtain cheaper premium rates but still work with a licensed agent. Buying from and supporting neighborhood agents is important particularly in Tulsa.
Once you complete this form (opens in new window), your information is instantly submitted to companies in Tulsa that can provide free Tulsa car insurance quotes for your coverage. You won’t need to drive around because quoted prices will be sent straight to your inbox. If for some reason you want to get a price quote from a specific company, you just need to navigate to their website and fill out the quote form the provide.
If you want to use a reputable insurance agent or broker, it’s important to understand the types of agencies and how they differ in how they can insure your vehicles. Insurance agents in Tulsa may be either independent or exclusive. Either one can sell affordable insurance policies, but it is a good idea to know how they differ because it can factor into which agent you choose.
Independent Agents
Independent agencies are normally appointed by many insurers so they can quote policies with a variety of different insurance companies and find you cheaper rates. If you are not satisfied with one company, the agent simply finds a different carrier which requires no work on your part. When shopping rates, you will want to get quotes from several independent agencies to get the most accurate price comparison.
Listed below are independent agencies in Tulsa that may be able to give price quote information.
All American Insurance Agency
6145 E 21st St – Tulsa, OK 74114 – (918) 832-8823 – View Map
Access Insurance
6373 E 31st St A – Tulsa, OK 74135 – (918) 270-2220 – View Map
Rooney Insurance Agency, Inc.
4700 S Garnett Rd #200 – Tulsa, OK 74146 – (918) 582-0565 – View Map
Exclusive Agencies
These agents have only one company to place business with and some examples include Allstate, Farmers Insurance or State Farm. Exclusive agencies are unable to place coverage with different providers so keep that in mind. Exclusive agents are well trained on their products and sales techniques which helps them compete with independent agents.
The following are exclusive agencies in Tulsa who can help you get price quote information.
George Hazlett – State Farm Insurance Agent
6043 S Sheridan Rd – Tulsa, OK 74145 – (918) 496-0513 – View Map
Kelly Bell – State Farm Insurance Agent
10030 S Mingo Rd b – Tulsa, OK 74133 – (918) 459-0456 – View Map
GEICO Insurance Agent
8353 S Memorial Dr – Tulsa, OK 74133 – (918) 384-0707 – View Map
Finding the right insurance agent needs to be determined by more than just the premium amount. These are some questions you should get answers to.
- If independent agents, which companies do they recommend?
- What discounts might you be missing?
- What insurance companies do they work with in Tulsa?
- Can you choose the body shop in case repairs are needed?
- Are they full-time agents?
After receiving answers to your satisfaction to all your questions and a low price estimate, you’ve probably found an auto insurance agent that meets the criteria to insure your vehicles.
Tulsa auto insurance companies
Finding the top car insurance provider can be challenging considering how many choices you have in Tulsa. The ranking data in the next section could help you pick which coverage providers to look at comparing rate quotes with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Smart consumers save more
Some car insurance companies may not have rate quotes online and many times these smaller companies only sell through independent agents. Cheaper Chevy Silverado 3500HD insurance in Tulsa can be bought both online as well as from insurance agents, and you should be comparing both in order to have the best price selection to choose from.
When getting Tulsa car insurance quotes online, it’s a bad idea to buy poor coverage just to save money. In many instances, consumers will sacrifice full coverage and learned later that the savings was not a smart move. Your goal is to get the best coverage possible for the lowest cost and still be able to protect your assets.
You just read some good ideas how you can shop for Chevy Silverado 3500HD insurance online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding low cost Tulsa car insurance quotes. Consumers may even find the best premium rates are with some of the smallest insurance companies. They can often provide lower prices in certain areas compared to the large companies like Allstate and Progressive.
Additional car insurance information is available on the following sites:
- Car Insurance FAQ (Trusted Choice)
- Who Has Affordable Car Insurance Quotes for a Subaru Outback in Tulsa? (FAQ)
- What Insurance is Cheapest for Low Mileage Drivers in Tulsa? (FAQ)
- What Car Insurance is Cheapest for High School Students in Tulsa? (FAQ)
- Who Has Affordable Tulsa Auto Insurance Rates for Safe Drivers? (FAQ)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- What is Gap Insurance? (Insurance Information Institute)