Who Has Cheap Insurance for a Chevrolet Silverado in Oregon?

The chances that you’ll find cheap car insurance for a Chevy Silverado in Oregon is dependent upon a whole bunch of factors such as how old the Silverado is, whether or not you have had gaps between policies, and if your driving record is clean. Oregon drivers pay an average rate of $1,420 each year for Silverado insurance, but that price is that uses a 40-year-old single female who requires both comprehensive and collision coverage and $100 deductibles.

It’s more than likely that you are not 40 years old and maybe not even female, married instead of single, or maybe you live in a different area as the quoted rates. Even a minor change in policy rating data can create big changes in how much coverage for a Chevy Silverado costs.

This demonstrates why the best method for finding cheap insurance rates for your Chevrolet is to put in the effort and compare rates.

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Vehicle trim level tends to impact the cost of insurance, so the cost to insure a Silverado LS Regular Cab 2WD model will be $328 lower than the insurance cost for the higher-priced Silverado Crew Cab Hybrid 4WD trim level, as shown below.

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Oregon minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Premium costs do not factor in zip code location which can influence rates substantially.

Finding decent, affordable auto insurance is challenging, and figuring out which insurers offer the most affordable car insurance rates for a Chevy Silverado takes even more diligence.

Every insurance provider uses different criteria for setting prices, so let’s begin by examining the lowest cost car insurance companies in Oregon.

Best Cheap Insurance Rates for Your Silverado Truck

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Grange normally has some of the most affordable car insurance rates in Oregon at around $694 each year. Country, Oregon Mutual, Travelers, and USAA also qualify as some of the more affordable Oregon insurance companies.

As the rates illustrate above, if you currently have coverage with Oregon Mutual and switched to Grange, you may realize annual savings of around $134. Insureds with Travelers might save as much as $230 a year, and USAA policyholders might lower prices by up to $285 a year.

To see if you’re overpaying, click here to start a quote or feel free to get quotes from the companies below.

These rates are averages across all insureds and vehicles and and are not figured with a specific rate value for a Chevy Silverado. So the insurer that can offer the best rates for your situation may not even be featured in the list of companies above. That points out the importance of why you need to get quotes using your own specific driver and vehicle information.

The chart below demonstrates how deductible levels can affect insurance rates when researching cheap insurance for a Chevy Silverado. The prices are based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.

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The data above shows that a 30-year-old driver could pocket $354 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $534 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old example, could lower their rates as much as $754 or even more just by choosing larger deductibles.

When using a larger deductible, it is necessary to have additional funds in a savings account to cover the extra out-of-pocket expense that is associated with using high deductibles.

How to get cheap insurance for a Chevy Silverado in Oregon

The list below summarizes some of the better thrifty ideas that can help Oregon drivers find cheaper coverage.

• At-fault accidents can raise rates significantly
• Buying home and auto insurance together can earn discounts
• If possible, pay for small claims out-of-pocket
• Drive a car with a high safety rating
• Do not get traffic violations
• Compare quotes from other companies often

The final tip is remarkably important, as was emphasized in this write-up. Car insurance rates can be changed at any time, so drivers shouldn’t hesitate to switch carriers if a lower price can be found. Sticking with a specific company is fine, but is isn’t recommended if that inflexibility results in costing you hundreds of dollars a year. Now is a great time to compare prices and find cheaper car insurance for a Chevy Silverado.