How Much are Insurance Quotes for a Chevrolet Silverado in West Virginia?

The chances of buying affordable car insurance for a Chevy Silverado in West Virginia is dependent upon factors such as if you are married or single, if you have ever let your policy lapse, and any prior driving offenses you have. West Virginia drivers pay around $1,030 per year to insure a Chevrolet Silverado, but that cost is a valuation calculated based on a 50-year-old single female driver that included both comprehensive and collision coverage and $1,000 deductibles.

There is a really good chance that you are not 50 and maybe not even a female, possibly married instead of single, or maybe you just want liability only. This example demonstrates why your best chance at finding cheap auto insurance rates for your Chevrolet is to just take the time to do a thorough rate comparison.

Find Cheaper Chevrolet Silverado Insurance

Vehicle trim level can impact the annual cost of coverage, so the cost to insure a Silverado LS Regular Cab 2WD model will be $142 less expensive the price to insure the fancier Silverado Crew Cab Hybrid 4WD trim level, as shown in the prices below.

Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and West Virginia minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Prices do not factor in your specific West Virginia location which can lower or raise premiums considerably.

Figuring out which companies have the lowest-priced auto insurance rates for a Chevy Silverado takes a little more sweat than just comparing rates from one or two companies.

Every insurance company has a proprietary method to determine rates, so let’s examine the lowest cost auto insurance companies in West Virginia. It’s important that readers know that West Virginia auto insurance rates are impacted by many things that will increase or decrease the cost of a policy. Improving your credit rating, marrying your spouse, or getting a speeding ticket may cause policy rate changes that can now make some companies more affordable than competitors.

Best Cheap Insurance Rates for Your Silverado Truck

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Erie generally has some of the most affordable car insurance rates in West Virginia at around $904 a year. The Hartford, State Auto, Westfield, and USAA are also some of the best West Virginia car insurance companies.

In the above example, if you have coverage with USAA and switched to The Hartford, you could realize annual savings of in the vicinity of $297. Policyholders with Progressive may save as much as $450 a year, and State Farm customers might reduce prices by as much as $479 a year.

These prices are averaged for all types of insureds and vehicles and and are not calculated with a specific rate factor for a Chevy Silverado. So the company that fits your age and vehicle best may not even be included in the above list. That underscores the importance of why you need to compare rates from as many companies as possible using your own personalized driver profile and vehicle information.

Drive responsibly or pay higher rates

The easiest way to find the best auto insurance prices in West Virginia for a Silverado pickup is to drive attentively and avoid tickets and accidents. The illustration below demonstrates how speeding tickets and at-fault claims increase insurance premiums for different ages of insureds. The rates are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 1861,2083,2685],[‘Age 30’, 1277,1495,2099],[‘Age 40’, 1275,1497,2099],[‘Age 50’, 1131,1349,1951],[‘Age 60’, 1071,1291,1893],[‘Age 70’, 1165,1387,1989]]);var options = {title: ‘Violations, Accidents, and West Virginia Chevrolet Silverado Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Chevrolet Silverado in West Virginia’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous example, the average cost of car insurance in West Virginia per year with no accidents or violations is $1,297. Factor in one speeding ticket and the average cost hikes up to $1,517, an increase of $220 each year. Now add one accident along with the one speeding ticket and the yearly cost of auto insurance for a Chevy Silverado increases to an average of $2,119. That’s an increase of $823, or $69 per month, just for not driving safely!

Cost difference between full coverage and liability

Finding cheap insurance for a Chevy Silverado in West Virginia is the goal of most vehicle owners, and an effective way to pay lower rates for insurance is to only buy liability insurance. The chart below illustrates the comparison of insurance costs with full coverage compared to only the West Virginia minimum liability coverage. The information is based on no accidents or driving violations, $500 deductibles, drivers are single, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $500 Deductibles’, ‘Liability Only’],[‘Age 20’, 4009,1469],[‘Age 30’, 2093,805],[‘Age 40’, 2051,745],[‘Age 50’, 1871,697],[‘Age 60’, 1815,685],[‘Age 70’, 2231,917]]);var options = {title: ‘Rate Comparison of Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Chevrolet Silverado in West Virginia’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

As an average for all age groups, comp and collision coverage costs an extra $2,345 per year over and above liability coverage. Many drivers will wonder if paying for full coverage is worth it. There is no definitive guideline to drop physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is 10% or more of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let’s pretend your vehicle’s replacement value is $5,500 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $4,500 after paying your deductible. If it’s costing you more than $450 annually for physical damage coverage, then you might want to think about dropping full coverage.

How to find cheap insurance for a Chevy Silverado in West Virginia

Here are some thrifty ideas that can help drivers get the cheapest auto insurance.

• On older vehicles, drop full coverage
• Avoid preventable accidents
• Do not get tickets
• Increase your deductibles
• Try to remain claim-free
• Compare quotes from other companies often

The last tip is extraordinarily crucial, as was emphasized in the article above. Car insurance prices vary greatly, so you should be ready to change insurance companies if a better rate can be found. Brand loyalty is great, but it’s not a great idea if that stubbornness costs you several hundred dollars every year. Spend a few minutes and shop around and find cheaper car insurance for a Chevy Silverado.

Which major car insurance company is best?

When it comes to buying insurance for a Silverado pickup in West Virginia, four of the larger companies to compare rates for are Allstate, State Farm, Progressive, and Geico. They all offer different options that you can select from. The data below compares price, claims, and customer service ratings, as well as some optional coverages shoppers can expect to find with each one.

Best cheap Chevrolet Silverado insurance quotes

There are many ways to find affordable auto insurance in West Virginia, but the most common ways are from an independent or non-exclusive agent, a captive (or exclusive) agency like State Farm or Allstate, or from a direct company like Progressive or Geico. They all have the same basic principle, but it’s important to understand the differences in how they work.

Independent agents write business for many companies and can provide price quotes from each one. Independent agents do not sell for just one brand and can give you more rate choices, which may give you the best shot at cutting your rates. If they find a cheaper price, your policy can be easily switched to a new company and you can keep the same agent.

An exlusive, or captive, agency is restricted to quoting rates for one company, two examples are Liberty Mutual and Allstate agents. This type of agents cannot compare other company’s rates, so you will not be able to compare their rates to other companies.

Drivers who opt to buy auto insurance direct do not use the middleman (the agent) and instead shop direct online or over the phone from a company like Geico or Esurance. This auto insurance option may be a decent choice people who do not have a lot of assets and have some degree of understanding of how auto insurance works.

So which way is best to find cheap insurance for a Chevy Silverado in West Virginia? One answer would be shopping direct results in the cheapest price since there is no need to pay agent commissions, but in reality, that is not true. It could also be said buying auto insurance from an independent agent results in the best rates since they can quote with many companies, but that idea is not necessarily true either. And sometimes, exclusive agencies have very competitive rates that other companies cannot beat.

Because it’s impossible to say who has the best auto insurance rates, the only real way to buy the cheapest policy is to get as many comparison quotes as possible. Make the effort to get quotes from all three to give yourself the best selection. For a list of companies offering online discounts, click here to view.