Cheap Insurance for a Chevrolet Silverado in California

When we talk about auto insurance, the word affordable should never be used anywhere in the article to describe car insurance prices. The fact is, cheap auto insurance for a Chevy Silverado is pretty hard to find. Don’t get your dauber down, because we are going to tell you how you can get insurance that doesn’t cost an arm and a leg.

The chances that you’ll find cheap auto insurance for a Chevy Silverado in California is dependent upon a complex equation that considers factors such as if you have purchased a home, your profession, and if your driving record shows any at-fault accidents. California drivers pay around $1,690 per year for Silverado insurance, but that price is a ballpark figure assuming a 30-year-old married female driver with both comprehensive and collision coverage and $100 policy deductibles.

There is a good possibility you are not 30 years old and maybe not even female, maybe you are single instead of married, and you might want liability-only or different deductibles. This demonstrates why the only real way to find the most affordable coverage for your Chevrolet is to do the rate comparisons yourself. Quotes only take a couple of minutes and you can get prices from top-rated companies that insure vehicles in California.

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The specific trim level tends to have a direct impact on the coverage cost, so the cost to insure a Silverado LS Regular Cab 2WD will be $418 cheaper than the price to insure the more expensive Silverado Crew Cab Hybrid 4WD version, as shown in the chart below.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in specific location information which can modify premium rates noticeably.

Finding out which companies have the cheapest auto insurance rates for a Chevy Silverado will take more time in order to find the lowest price quote.

Each auto insurance company uses a slightly different approach to set premium rates, so we need to take a look at the most budget-friendly auto insurance companies in California. It’s important that readers know that California auto insurance rates are impacted by many factors that can increase the cost of your policy. Improving your credit rating, buying a home instead of renting, or getting caught speeding can cause premium changes resulting in some rates now being much cheaper than others.

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USAA offers some of the most affordable car insurance rates in California at around $1,109 each year. Wawanesa, Century National, Nationwide, and CSAA also qualify as some of the more affordable California auto insurance companies.

In this example, if you currently have a policy with Nationwide and switched to Wawanesa, you could realize savings of upwards of $80. Insureds with CSAA could save as much as $88 a year, and 21st Century customers might see rate reductions of $233 a year.

To find out how your current rates compare, click here to start your free quote or visit any of the companies below.

Be aware that those estimates are averages across all ages of drivers and types of vehicles and and are not calculated with a specific rate value for a Chevy Silverado. So the car insurance company that has the lowest price for you may not even be shown in the chart above. That emphasizes why you need to quote rates from many companies using your own driver and vehicle profiles.

Careless driving habits raise auto insurance rates

The easiest method to earn good auto insurance prices for a Silverado pickup is to be an attentive driver and avoid accidents and traffic violations. The chart below shows how speeding tickets and at-fault claims impact auto insurance costs for different age groups. The premium estimates are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.

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The data charted above shows the average cost of a car insurance policy per year with a clean driving record and no accidents is $2,427. Receive two speeding tickets and the average cost swells to $3,460, an increase of $1,033 each year. Then add in one accident along with the two speeding tickets and the annual cost of auto insurance for a Chevy Silverado increases to an average of $4,502. That’s an increase of $2,075, or $173 per month, just for not driving safely!

Does Geico, State Farm, Progressive, or Allstate have the cheapest car insurance?

When shopping around for insurance for a Silverado pickup, the top insurers to get price quotes from are Geico, State Farm, Progressive, and Allstate. They all offer your standard coverages, but each one has different features and discounts that buyers can select from. The data below points out ratings for price and service, as well as some optional coverages offered by each one.

How to find economical insurance for a Chevy Silverado

It is possible to find better rates, and here are some thrifty solutions that can help you find the cheapest car insurance.

• Buy a vehicle with excellent safety ratings
• Tickets and violations raise rates
• Save money by staying claim-free
• Having at-fault accidents will increase rates
• Do not pay for full coverage on older vehicles
• Buying car and homeowners insurance together can save money
• Shop around for lower rates once a year

That last idea is notably important, as we stressed in the prior information. Coverage rates can change significantly in a year, so don’t hesitate to buy from a different company if a cheaper price is available. We understand brand loyalty, but is isn’t recommended if it’s costing you thousands of dollars over several years. In less than five minutes you could compare rates to find cheaper auto insurance for a Chevy Silverado.

Who has the cheapest Chevrolet Silverado insurance quotes?

Drivers have a lot of ways to find cheap auto insurance in California, but the most prevalent methods are from an exclusive agency like State Farm or Auto-Owners, an independent or non-exclusive agent, or direct online or over the phone from a company like Progressive or Geico.

They all follow the same basic process, but buyers should know the differences in how they price policies.

Independent agencies have contracts with many companies and can compare rates with each one. These agents are not locked into one company and can give you a larger rate selection, which can give you a better overall rate comparison. If a cheaper price is found, your agent can switch companies which makes it simple for you.

An exclusive ageny is limited to just one company, two popular examples being Liberty Mutual and Allstate agents. They are unable to compare rates from other companies, so if their prices are high, they cannot shop around.

The last way is buying direct, which means you forego local agents and instead buy buying direct from a company like Progressive or Esurance. Buying auto insurance direct may be good for drivers who have limited assets and have some degree of understanding of how auto insurance works and possible exclusions.

So which of those three methods works best to find cheap insurance for a Chevy Silverado in California? We’d like to tell you buying direct yields the cheapest rates since there is no need to pay agent commissions, but unfortunately, it’s not that simple. It could also be said going through an independent agent is the best way because they can quote many companies, but that idea is not necessarily true either. And occasionally, the exclusive agents may have prices well below independent agents AND direct companies.

Because of the variability of auto insurance rates, really the only way to ensure you are not overpaying is to get quotes and compare. The best approach is to get rate quotes from all three in order to have enough rates to compare. For a list of auto insurance companies with low rates, click here to view.