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

Whenever people write about auto insurance, the words “affordable” or “cheap” should never appear anywhere to describe car insurance rates. Unfortunately, cheap car insurance for a Chevy Silverado can seem impossible to find. We’ll try to make it up to you, because we are going to tell you how you can still find coverage that works with your budget.

Your odds of finding the cheapest car insurance for a Chevy Silverado in Washington is dependent upon a complicated rating formula that uses factors such as how far you commute, the performance level of your vehicle, and any past driving violations you may have had. Washington drivers on average pay approximately $1,420 annually to insure their Silverado, but that rate is a ballpark figure based on a 30-year-old single female driver that includes comprehensive and collision coverage and $100 policy deductibles.

It’s highly likely that you are not 30 and maybe not even a female, married instead of single, or maybe you have a speeding ticket that needs to be factored in. Just a minor change in the factors used to determine rates can induce significant differences in the cost of a policy.

Car insurance rates are unique for each driver, so your best shot at finding cheap insurance prices for your Chevrolet is to shop your policy around at every renewal.

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The trim level of your Silverado has an effect on the insurance rate, so the rate you will pay to insure a Silverado LS Regular Cab 2WD model will be $340 less expensive the price to insure the fancier Silverado Crew Cab Hybrid 4WD model, as demonstrated by the prices below.

Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rates do not factor in your specific Washington location which can affect coverage prices substantially.

Ratings for Washington car insurance companies

Ending up with the best insurer can be challenging considering how many different companies insure vehicles in Washington. The ranking information in the next section can help you choose which providers you want to consider when buying insurance for a Chevy Silverado.

The ratings below are only comprised of companies with a national presence, so companies that may only write in Washington are not factored into this list. To check prices from these companies and more, follow this link.

Top 10 Major Auto Insurance Companies Overall in Washington

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Titan Insurance
9. Progressive
10. Allstate

Top Companies for Chevrolet Silverado Insurance in Washington

The illustration below highlights how deductible choice can increase or decrease yearly insurance costs when trying to find cheap insurance for a Chevy Silverado. The rates are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

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As shown above, a 40-year-old driver could pocket $288 a year by changing from a $100 deductible up to a $500 deductible, or save $434 by changing to a $1,000 deductible. Younger drivers, like the 20-year-old example, can save as much as $958 or even more just by choosing higher deductibles when buying full coverage. If you do raise deductibles, it is important to have plenty of money set aside to enable you to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Full coverage versus liability-only in Washington

Finding the cheapest insurance for a Chevy Silverado in Washington is the goal of the majority of vehicle owners, and one of the quickest ways to buy cheap insurance is to only buy liability coverage. The information below shows the difference between insurance costs with and without full coverage. The data is based on a clean driving record, no claims, $500 deductibles, marital status is single, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $500 Deductibles’, ‘Liability Only’],[‘Age 20’, 2985,1183],[‘Age 30’, 1571,651],[‘Age 40’, 1535,603],[‘Age 50’, 1399,565],[‘Age 60’, 1359,555],[‘Age 70’, 1683,741]]);var options = {title: ‘Full Coverage and Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Chevrolet Silverado in Washington’,minValue: 0,format: ‘$###,###’},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);}

If averaged for all ages, comp and collision coverage costs $1,755 per year over having just liability coverage. That brings up the question if you should buy full coverage. There is no exact formula to stop buying physical damage insurance, but there is a general guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of replacement cost minus your deductible, then you might consider buying liability only.

There are some scenarios where only buying liability is not a good plan. If you still have a lienholder on your title, you have to carry full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.

Find the cheapest insurance for a Chevy Silverado in Washington

It’s not impossible to find cheaper rates, and here are some thrifty ideas that can help drivers find low-cost car insurance.

• Improve your credit rating
• Avoid accidents and claims
• Higher physical damage deductibles lower rates
• Be a cautious driver
• Do not pay for full coverage on older vehicles
• Buy a safer vehicle
• Check for cheaper rates once a year

The last idea is especially vital, as we discussed in the prior information. Car insurance rates in Washington can change considerably based on profitability, so you should be ready to buy a different policy if you find a cheaper price. Being loyal to a particular company is commendable, but we do not recommend it if that loyalty results in overpaying a small fortune. Take a few minutes and compare rates and find cheaper auto insurance for a Chevy Silverado.

Which major car insurance company is best?

If you want reliable insurance for a Silverado pickup in Washington, the first places to look would be State Farm, Geico, Allstate, and Progressive. When combined, they have 48.5% of all car insurance policies written. All of them have a slightly different set of options and discounts that buyers can select from. The data below ranks price, claims, and customer service ratings, as well as some optional coverages you can expect with each one.