How Much are Insurance Quotes for a Chevrolet Silverado in Arizona?

When talking about car insurance, the word “cheap” shouldn’t be used anywhere to describe car insurance rates. Excuse the oxymoron, but cheap auto insurance for a Chevy Silverado does not exist. Don’t let that bother you, though, because there may be ways you can still find and buy car insurance that is more affordable than your current policy.

Buying affordable insurance for a Chevy Silverado in Arizona depends upon many rating criteria like if you are married or single, if you have ever had a coverage lapse, and whether or not you are a good driver. Drivers in Arizona pay approximately $810 every 12 months to insure a Chevrolet Silverado, but that price is calculated using a 30-year-old married female driver that wants full comprehensive and collision coverage and $1,000 policy deductibles.

But there is a good chance that you are not 30 and possibly not even female, maybe you are single instead of married, or maybe you have a violation on your driving record. Just a minor change in rating variables can lead to a significant difference in rate quotes.

This illustrates why the best way to quote the most affordable coverage for your Chevrolet is to do a thorough rate comparison. It’s really quite easy you will get price quotes from top-rated companies that sell coverage in Arizona.

Cheapest Chevrolet Silverado Insurance Rates

The trim level of your vehicle will influence the annual cost of coverage, so the price you will be charged to insure a Silverado LS Regular Cab 2WD model will be $128 cheaper than the price to insure the more costly Silverado Crew Cab Hybrid 4WD trim level, as shown by the rates below.

Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Price estimates do not factor in Arizona location which can alter auto insurance rates considerably.

Finding a high-quality insurance provider can be challenging considering how many choices you have in Arizona. The ranking information displayed below could help you decide which coverage providers to look at when trying to find the cheapest insurance for a Chevy Silverado.

The rankings below are for large, nationwide insurance companies, so companies with more of a regional focus will not be included in this list. To get price quotes and find the cheapest rates for a Chevy Silverado, follow this link.

Top 10 Large Auto Insurance Companies Overall in Arizona

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Titan Insurance
9. Progressive
10. Mercury Insurance

Top Companies for Chevrolet Silverado Insurance in Arizona

The information below demonstrates how choosing different deductibles can increase or decrease annual premium costs when trying to find cheap insurance for a Chevy Silverado. The rates are based on a married male driver, full physical damage coverage, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3561,3213,2833,2475],[‘Age 30’, 1863,1681,1475,1277],[‘Age 40’, 1775,1607,1417,1239],[‘Age 50’, 1623,1471,1301,1137],[‘Age 60’, 1597,1445,1277,1117],[‘Age 70’, 1827,1661,1479,1309]]);var options = {title: ‘Impact of Deductibles on Chevrolet Silverado Insurance Rates in Arizona’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Chevrolet Silverado’,minValue: 0,format: ‘$###,###’},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);}

As shown above, a 30-year-old driver could save $358 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $536 by choosing a $1,000 deductible. Even younger drivers, like the 20-year-old, could reduce their rates $1,086 every year by using higher deductibles when buying full coverage. If you do make the decision to raise your deductibles, it is essential to have plenty of savings on hand to enable you to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.

How to get cheap insurance for a Chevy Silverado in Arizona

It’s not impossible to find cheaper rates, and here are some of the better money-saving solutions that can help Arizona drivers buy low-cost coverage.

• Do not pay for full coverage if not needed
• Bundle car and home insurance and save money
• Accident-free drivers may qualify for discounts
• Higher credit scores can equal lower rates
• Buy a car with high safety ratings
• Compare rate quotes often

The last tip in the list is notably important, as was discussed in the prior information. Auto insurance prices in Arizona fluctuate constantly, so don’t be afraid to switch to a new company if a lower price can be found.

Many consumers stick with the same company and that’s fine, but it’s not a great idea if that loyalty results in overpaying a lot of money. It takes less than five minutes to shop around to find cheaper car insurance for a Chevy Silverado.

Who has the cheapest Chevrolet Silverado insurance quotes?

There are many different ways to find lower-cost auto insurance in Arizona, but the most common methods are using a captive (or exclusive) agent like Allstate or Auto-Owners, an independent insurance agent, or direct either online or via phone. All three ways can provide auto insurance quotes, but each is slightly different in how they price policies.

Independent insurance agencies have contracts with multiple insurance companies and can compare coverage rates with every one. These types of agents are appointed with more than one company and can quote rates with many companies, which may give you better odds of saving money. If prices rise, they can switch companies in-house and you don’t have to do anything.

An exclusive agent is only able to quote your policy with one insurance company, for example Liberty Mutual and Allstate agents. Exclusive agents are unable to provide rate quotes from other companies, so unless you get quotes from other companies, you cannot determine which is cheapest.

Opting to purchase auto insurance direct means you bypass a local agent and instead buy buying direct from a company like Progressive or Geico. Shopping direct can be good for families who have limited assets and have a good understanding of what limits they need.

What is the best method for finding cheap insurance for a Chevy Silverado in Arizona? It would be simple to say buying from a direct company saves the most money because there is no agent taking a commission, but that does not always hold true. We could also assume that buying auto insurance from an independent agent guarantees the cheapest rates since they have access to many companies, but that assumption is not true either. And occasionally, exclusive agents may have very competitive prices that are the cheapest in Arizona.

Because there are so many factors that make up auto insurance rates, the best method to ensure the lowest rates is to get quotes and compare. The best approach is to get quotes from all three types to give yourself enough choices. For a list of companies offering online discounts in Arizona, click here to view.