Who Has the Cheapest Insurance Quotes for a Chevrolet Silverado in Delaware?

Your chances of buying the cheapest auto insurance for a Chevy Silverado in Delaware is contingent on a complex equation that considers factors like if you are a renter or homeowner, whether or not you are currently insured, and if you have tickets or violations. Drivers in Delaware pay an average of $1,650 each year for Silverado insurance, but that is an estimate that uses a 40-year-old single female with full comprehensive and collision coverage and $250 physical damage deductibles.

More likely than not, you’re not a 40-year-old female, you might be married instead of single, and you may just want the cheapest liability coverage you can find. Having the smallest difference in the rating criteria used to formulate rates could end up with a large change in the amount insurance costs for a Chevy Silverado.

Auto insurance rates are unique for each driver, so the way we recommend to find cheap insurance rates for your Chevrolet is to just take the time to compare rates yourself. It only takes a few minutes and you will receive rate quotes from some of the best insurers that offer coverage in Delaware.

Find Cheaper Chevrolet Silverado Insurance

The specific model of Silverado will influence price, so the price to insure a Silverado LS Regular Cab 2WD trim level will be $344 lower than the price to insure the more well-appointed Silverado Crew Cab Hybrid 4WD version, as shown in the chart below.

Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Delaware minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rate information does not factor in Delaware location which can decrease or increase auto insurance rates considerably.

How to find a good Delaware auto insurance company

Insuring your vehicle with a good quality car insurance provider can be a challenge considering how many choices drivers have in Delaware. The ranking information shown next may help you choose which auto insurance companies you want to consider when trying find the best insurance for a Chevy Silverado.

The rankings below include companies that insure vehicles nationwide, so companies that only write business in Delaware or surrounding areas are not factored into these rankings. If you’d like to compare prices from these and other competitive companies, click this link.

The illustration below shows how different deductible levels can change insurance rates when quoting cheap insurance for a Chevy Silverado. Data assumes a single male driver, full coverage, and no discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 5207,4711,4175,3669],[‘Age 30’, 2665,2437,2173,1915],[‘Age 40’, 2663,2419,2141,1877],[‘Age 50’, 2415,2195,1949,1713],[‘Age 60’, 2331,2123,1887,1661],[‘Age 70’, 2815,2571,2307,2059]]);var options = {title: ‘Impact of Deductibles on Chevrolet Silverado Insurance Rates in Delaware’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Chevrolet Silverado’,minValue: 0,format: ‘$###,###’},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);}

The data above shows that a 30-year-old driver could lower their car insurance rates by $522 a year by increasing from a $100 deductible to a $500 deductible, or save $786 by switching to a $1,000 deductible. Younger drivers, like the age 20 example, could drop their prices as much as $1,538 or more just by choosing larger deductibles. If you make the decision to raise deductibles, it is necessary to have plenty of money set aside to be able to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Price comparison of only insuring for liability

Finding the cheapest insurance for a Chevy Silverado in Delaware is probably important to the majority of people, and one common way to find cheaper insurance is to only pay for liability coverage. The diagram below visualizes the comparison of insurance prices with and without physical damage coverage. The data is based on no claims, a clean driving record, $250 deductibles, drivers are not married, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 4311,1435],[‘Age 30’, 2247,787],[‘Age 40’, 2215,729],[‘Age 50’, 2015,681],[‘Age 60’, 1949,671],[‘Age 70’, 2377,897]]);var options = {title: ‘Full Coverage Rates Versus Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Chevrolet Silverado in Delaware’,minValue: 0,format: ‘$###,###’},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, comprehensive and collision coverage on your policy costs $2,519 per year over liability only. That amount may make you wonder if buying full coverage is worth the money. There is no clear-cut formula that works best for making the decision to drop comp and collision coverage, but there is a guideline you can use. If the annual cost of coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

How to find more affordable insurance for a Chevy Silverado

It is possible to find better rates, and here are some penny-pinching ideas that can help you quote cheap auto insurance.

• Home or renters coverage can save on auto insurance
• Raise deductibles
• Speeding tickets and other violations increase rates
• Avoid filing excessive claims
• Good credit can mean cheaper rates
• Remain accident-free and save
• Compare rates and switch if you can find a better deal

The last tip in the list is extremely valuable, as we hit on in this piece. Auto insurance prices in Delaware change constantly, so don’t hesitate to change insurance companies if a better rate can be found.

Brand loyalty is not necessarily bad, but it’s not a great idea if that inflexibility results in costing you big bucks every year. In just a couple of minutes you could shop around to find cheaper car insurance for a Chevy Silverado.

Who is cheaper: Progressive, Allstate, State Farm, or Geico?

When it comes to car insurance, probably the best companies to start with are Progressive, Allstate, State Farm, and Geico. They all have somewhat different options that may influence your choice. The next table ranks some of the different features that may be available in Delaware.