Who Has Cheap Insurance Quotes for a Chevrolet Silverado in New York?

The odds of finding cheaper insurance for a Chevy Silverado in New York depends on a whole bunch of rating criteria such as if you have purchased a home, if you are currently insured, and blemishes on your driving record. Drivers pay on average $640 annually to insure their Silverado, but that is an approximation assuming a 50-year-old married male driver with both comprehensive and collision coverage and $1,000 physical damage deductibles.

Chances are that rate is not what you would pay, because most likely you are not 50 and possibly not even male, you might be single instead of married, and maybe your credit level is not the same as what was rated. What people think is a minor change in the factors used in pricing a policy could end up with a large change in the cost of insurance.

Having different needs demonstrates why the most reliable method for finding the cheapest coverage for your Chevrolet is to do your own rate comparisons.

Insure Your Chevrolet for Less

Your Chevrolet’s trim level will most likely have an effect on the cost of coverage, so the rate you pay to insure a Silverado LS Regular Cab 2WD trim level will be $92 less than the cost to insure the higher-end Silverado Crew Cab Hybrid 4WD trim level, as shown in the chart below.

Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Rate quotes do not factor in vehicle location which can lower or raise premiums substantially.

Finding out which insurers offer the cheapest auto insurance rates for a Chevy Silverado may require a bit more effort in order to find the best policy. Every car insurance company uses their own calculation for setting prices, so we will examine the most competitive auto insurance companies in New York.

It’s a good idea to know that New York auto insurance rates are calculated based on many things that can increase the cost of your policy. Simply having another birthday, becoming a homeowner, or getting a DUI can trigger rate changes that may make certain companies affordable when they were higher priced.

Find the Best Cheap Insurance for Your Silverado Truck

Compare Rates and Save

google.charts.setOnLoadCallback(drawNYT5qcibChart);function drawNYT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘USAA’, 1199, ‘#33CFCA’], [‘Erie’, 1218, ‘#2AACA8’], [‘Allstate’, 1541, ‘#238F8C’], [‘Progressive’, 1542, ‘#1D7774’], [‘Utica National’, 1549, ‘#186360’]]);var options = {title: ‘Low-Priced Car Insurance Companies in New York’,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:1649,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(‘qcibt5cic’));chart.draw(view, options);}

USAA offers some of the most affordable car insurance rates in New York at around $1,199 annually. Erie, Allstate, Progressive, and Utica National also qualify as some of the cheaper New York insurance companies.

As depicted above, if you are a customer of Progressive and switched to Erie, you could see an annual premium reduction of upwards of $324. Insureds with Utica National might save as much as $331 a year, and Travelers policyholders might cut rates by $341 a year.

If you want to find out if you’re overpaying, click here to start a quote or visit any of the low-priced companies below.

Understand that those policy rates are averages for all insureds and vehicles and do not factor in a specific rate value for a Chevy Silverado. So the company that has the cheapest price for you may not even be shown in the list above. That points out the importance of why you need to get auto insurance quotes using your own specific driver and vehicle information.

The example below highlights how deductible choice can increase or decrease insurance costs when trying to find cheap insurance for a Chevy Silverado. The premium estimates are based on a married male driver, full physical damage coverage, and no additional discounts are factored in.

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In the chart above, a 40-year-old driver could save $220 a year by switching from a $100 deductible to a $500 deductible, or save $334 by choosing a $1,000 deductible. Youthful drivers, such as the Age 20 example, could save as much as $736 or more by choosing larger deductibles on their policy. If you make the decision to raise deductibles, it is a good idea to have enough savings to be able to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Bad driving habits will cost you more

The best way to maintain cheap insurance for a Chevy Silverado in New York is to be an attentive driver and have a clean driving record. The chart below shows how violations and at-fault claims can impact annual premium costs for different categories of driver ages. The premiums assume a married female driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.

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The data charted above shows the average cost of an auto insurance policy in New York per year with no accidents and a clean driving record is $1,141. Receive two speeding tickets and the average cost rises to $1,615, an increase of $474 each year. Next add one accident along with the two speeding tickets and the yearly cost of auto insurance for a Chevy Silverado goes up to an average of $2,094. That’s an increase of $953, or $79 per month, just for not keeping your driving record clean!

Find cheap insurance for a Chevy Silverado in New York

Lowering your rates is not difficult, and here are some of the recommended thrifty solutions that can help New York drivers locate low-cost coverage.

• Prevent rate increases by staying accident-free
• Frequent claims may make car insurance unaffordable
• The safer your car, the less it costs to insure
• Bundle home and auto and save
• Assess whether full coverage is needed
• Ensure your driving record is clean
• Shop around once a year for cheaper rates

That last tip is remarkably vital, as we pointed out in the prior information. Insurance rates fluctuate constantly, so don’t be tentative to buy a policy from a new company if a lower-cost policy is available.

Many drivers tend to have loyalty to a certain company, but it’s not a good idea if that loyalty results in overpaying thousands of dollars over the life of your policy. Spend a few minutes and shop around and find cheaper car insurance for a Chevy Silverado.

Cheap Chevrolet Silverado insurance quotes

There are a variety of different ways to get cheap auto insurance quotes in New York, but the three most common ways are from an exclusive insurance agency such as Liberty Mutual or Allstate, an independent insurance agent, or buying direct from a company like Geico or Progressive.

All three ways can provide auto insurance quotes, but they differ slightly in how they provide price quotes.

Independent insurance agencies write for multiple companies and can quote your policy with each one. These types of agencies do not sell for just one brand and can get prices from more than one company, which can help you get better odds of saving money. If cheaper coverage is found, your policy can be moved and that require little work on your part.

A captive, or exclusive, agent is restricted to a single company, two examples are an Allstate or State Farm agent. Exclusive agents cannot quote prices from more than just one company, so keep that in mind.

Buying auto insurance direct means you do not use an agent and instead shop direct from companies such as Progressive or Geico. Buying auto insurance direct is good for consumers who have fewer assets and have some degree of understanding of what auto insurance covers.

Out of those three methods, which one works best for finding cheap insurance for a Chevy Silverado in New York? The obvious answer would be buying from a direct company results in the cheapest price since there is no need to pay agent commissions, but that generally is not the case. It would also be easy to say buying from an independent agent is the best way to go since they can provide multiple quotes, but that is not necessarily true either. In the right set of circumstances, exclusive agencies have price quotes well below independent agents AND direct companies.

Because there are so many factors that make up auto insurance rates, really the only way to get rock-bottom rates is to get as many comparison quotes as possible. The ideal approach is to get quotes from all three to get a good idea who is cheapest. To see some of the cheapest online companies available, click here to view.