Cheapest Insurance Quotes for a Chevrolet Silverado in Ohio

Your odds of finding cheap coverage for a Chevy Silverado in Ohio depends on a whole bunch of rating criteria like the safety rating of your vehicle, whether or not you have filed claims in the past, and blemishes on your driving record. Drivers in Ohio on average pay around $700 annually to insure their Silverado, but that rate is a ballpark figure using rating data for a 50-year-old married male who purchased full coverage and $250 deductibles.

There’s a high likelihood you’re not a 50-year-old male, possibly single instead of married, or maybe you want different physical damage deductibles. Using even a minor difference in the criteria used to calculate rates can lead to a significant difference in how much coverage for a Chevy Silverado costs.

Auto insurance requires individual risk assessment, so your best shot at finding cheap insurance prices for your Chevrolet is to make a habit of regularly comparing rates from other companies. Get your free quotes now and you will be able to compare rates from some of the best companies that offer coverage in Ohio.

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Your Chevrolet’s trim level has an effect on the yearly cost, so the price you will pay to insure a Silverado LS Regular Cab 2WD trim level will be $148 lower than the price to insure the more well-appointed Silverado Crew Cab Hybrid 4WD model, as shown below.

Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Price information does not factor in specific garaging location which can influence price quotes greatly.

Establishing which companies have the best auto insurance rates for a Chevy Silverado may require a little more sweat than just picking a company at random.

Every car insurance company has their own process for establishing rates, so we need to take a look at the auto insurance companies that tend to be cheaper in Ohio.

Lowest Insurance Price Quotes for Your Silverado Truck

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Utica National quotes some of the best car insurance rates in Ohio at around $654 annually. Frankenmuth, Erie, Allied, and USAA also make the cut as some of the cheaper Ohio auto insurance companies.

As illustrated above, if you are currently insured with Allied and switched to Frankenmuth, you may realize an annual premium reduction of about $17. Policyholders with USAA might save as much as $53 a year, and Travelers policyholders might lower prices by up to $53 a year.

To find the cheapest insurance for a Chevy Silverado in Ohio, click here or visit any of the companies below.

Be aware that those rates are averaged across all types of insureds and vehicles and and are not calculated with a specific rate factor for a Chevy Silverado. So the company that has the cheapest price for you may not even be featured in the list of companies above. That emphasizes why you need to get rate quotes from many companies using your own specific driver and vehicle information.

The illustration below shows how choosing a deductible can raise or lower insurance rates when trying to find cheap insurance for a Chevy Silverado. The rate quotes are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2747,2479,2183,1903],[‘Age 30’, 1449,1309,1147,993],[‘Age 40’, 1379,1249,1101,961],[‘Age 50’, 1259,1143,1009,879],[‘Age 60’, 1239,1123,991,865],[‘Age 70’, 1405,1279,1139,1005]]);var options = {title: ‘Impact of Deductibles on Chevrolet Silverado Insurance Rates in Ohio’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Chevrolet Silverado’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 50-year-old driver could lower their car insurance rates by $250 a year by increasing from a $100 deductible up to a $500 deductible, or save $380 by changing to a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could save up to $844 or more by choosing a larger deductible amount.

When insureds make the decision to increase the deductibles on their policy, it is a good idea to have enough funds in savings to satisfy the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Why you should be shopping around

Ohio auto insurance rates are impacted by many things that may substantially change the cost of a policy. Improving your credit rating, buying a different home, or getting a reckless driving citation can cause premium changes resulting in some companies being more affordable than before.

Additionally, insurance companies change rates every year to adjust for heavy claims or excess profits. Significantly higher losses can result in more expensive premiums, while profitable underwriting can cause lower-cost Silverado insurance rates.

The bar chart below shows which company has the cheapest car insurance in Ohio for a 30-year-old male driver with no accidents, a clean driving record, and a decent credit rating. If we compare prices based on his current risk factors, Utica National might offer the cheapest car insurance rates in Ohio at $628 annually. This is $412 less than the average policy premium paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers are the remaining cheapest Ohio auto insurance companies.

google.charts.setOnLoadCallback(drawOHWitcqcibChart);function drawOHWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Utica National’, 628, ‘#53860C’],[‘Erie’, 661, ‘#456F0A’],[‘Allied’, 676, ‘#395C08’],[‘Frankenmuth’, 680, ‘#2F4C06’],[‘Travelers’, 712, ‘#273F05’]]);var options = {title: ‘Best Cheap Auto Insurance for a Chevrolet Silverado’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:812,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

In this next rate comparison, we will give the driver from the first example a chargeable accident, a little lower credit rating, and a blemish on his driving record. Because every insurance company uses their own method for setting rates, comparing prices will most likely result in a slightly different list of cheap Ohio auto insurance companies as shown below.

google.charts.setOnLoadCallback(drawOHWcqcibChart);function drawOHWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Merchants Insurance Group’, 822.8, ‘#C77F00’],[‘Cincinnati Insurance’, 849.2, ‘#A56900’],[‘General Casualty’, 894.3, ‘#895700’],[‘Motorists Mutual’, 897.6, ‘#724800’],[‘Grange Mutual’, 910.8, ‘#5F3C00’]]);var options = {title: ‘New Rates Using Different Rating Criteria’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1010.8,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

Merchants Insurance Group now has the cheapest rate in Ohio with Cincinnati Insurance, General Casualty, Motorists Mutual, and Grange Mutual completing the list. This example demonstrates why it is critical to shop around with many companies to find the cheapest insurance rates for a Chevy Silverado.

Rates are made up of many things and change frequently, so the most economical company a year ago may now be an over-priced policy.

How to get the cheapest insurance for a Chevy Silverado in Ohio

Lowering your rates is not difficult, and here are some of the better money-saving ideas that can help Ohio drivers quote cheaper auto insurance.

• Try to pay small claims out-of-pocket
• Raise deductibles
• Pay lower rates with good credit
• Do not insure for full coverage
• Buying home and auto insurance together can earn discounts
• Lower rates by purchasing a safer vehicle
• Ensure you have the best deal by shopping around regularly

The final tip is incredibly necessary, as was noted in the prior information. Auto insurance prices in Ohio vary greatly, so drivers shouldn’t hesitate to change to a new company if a more affordable price is available.

Many drivers prefer to stick with one company, but it’s not a great idea if that faithfulness ends up costing you several hundred dollars every year. It takes less than five minutes to compare prices and find cheaper auto insurance for a Chevy Silverado.