Who Has Cheap Insurance for a Chevrolet Silverado in New Hampshire?

When the topic is auto insurance, the words cheap or affordable should not be used as a descriptor for car insurance rates. Despite the oxymoron, cheap car insurance for a Chevy Silverado can be extremely hard to find. But fear not, because we are going to show you some ways you can quote and buy car insurance that won’t break the bank.

Finding the cheapest insurance for a Chevy Silverado in New Hampshire depends upon factors such as your marital status, the performance level of your vehicle, and if you had any at-fault accidents in the last few years. New Hampshire drivers pay an average of $830 annually to insure their Silverado, but that is using cost data for a 30-year-old married female driver that wants comprehensive and collision coverage and $250 deductibles.

Most likely you aren’t exactly 30 years old or even a female, possibly single instead of married, or maybe you want different physical damage deductibles. This illustrates why the most reliable way to find the cheapest coverage for your Chevrolet is to shop your policy around every couple of years.

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The trim level of your vehicle will be a contributing factor to the cost of insurance, so the rate you will pay to insure a Silverado LS Regular Cab 2WD trim level will be $188 cheaper than the cost to insure the fancier Silverado Crew Cab Hybrid 4WD trim level, as shown below.

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and New Hampshire minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rate quotes do not factor in New Hampshire location which can alter price quotes significantly.

Choosing the right car insurance company is difficult considering how many different companies there are to choose from in New Hampshire. The ranking information listed below could help you analyze which car insurance companies to look at when trying find the best insurance for a Chevy Silverado.

The rankings below are only made up of insurance companies that insure vehicles in the majority of U.S. states, so companies that only write business in New Hampshire or surrounding areas are not factored into the list. If you would like to check rates from these and other companies in New Hampshire, click here.

Impact of citations and accidents on New Hampshire insurance rates

The ideal way to get affordable insurance prices in New Hampshire for a Silverado pickup is to drive cautiously and maintain a clean driving record. The chart below demonstrates how speeding tickets and accidents can increase premium costs for different insured age categories. The rates are based on a married male driver, full coverage, $100 deductibles, and no discounts are applied.

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In the previous example, the average cost of an auto insurance policy in New Hampshire per year with no accidents and a clean driving record is $1,591. Get two speeding tickets and the average cost hikes up to $2,200, an increase of $609 each year. Then throw in two accidents along with the two speeding tickets and the 12-month cost of insurance for a Chevy Silverado increases to an average of $4,348. That’s an increase of $2,757, or $230 per month, just for being a less-than-perfect driver!

Progressive vs State Farm vs Geico vs Allstate

When shopping around for insurance for a Silverado pickup in New Hampshire, probably the best companies to start with are Progressive, State Farm, Geico, and Allstate. Combined they insure almost half of all car insurance policies in America. The data below breaks down pricing and service ratings, as well as optional policy coverages that you can purchase from each one.

How to find budget-friendly insurance for a Chevy Silverado

The list below summarizes some of the better thrifty solutions that can help New Hampshire drivers locate more affordable auto insurance.

• Choose a safer vehicle and pay lower rates
• Avoid having at-fault accidents
• If your vehicles are older, consider dropping full coverage
• Too many claims can make car insurance unaffordable
• Save money by insuring your home and auto with the same company
• Save money by obeying traffic laws and keeping a clean driving record
• Compare rates often to find the best deal

The last suggestion is especially critical, as we pointed out in the article above. Prices charged by car insurance companies go up and down frequently, so don’t be afraid to change insurance companies if a cheaper price is available.

Many drivers have brand loyalty and that’s fine, but it’s not recommended if that loyalty results in overpaying hundreds every year. It only take a few minutes to shop around to find cheaper auto insurance for a Chevy Silverado.