Best Cheap Insurance Quotes for a Chevrolet Silverado in Massachusetts

Our staff writers always rib each other than when writing about auto insurance, the word cheap really should not be used anywhere in the article as a descriptor for car insurance rates. Be that as it may, cheap car insurance for a Chevy Silverado can be extremely hard to find. But don’t despair, because we can show you some ways you can still find and buy auto insurance that is cheaper than your current rate.

The chances of finding affordable insurance for a Chevy Silverado in Massachusetts is contingent on a large number of factors like when you were born, if you currently have coverage, and if your driving record is clean. Massachusetts drivers on average pay approximately $1,130 per year for Silverado insurance, but that policy rate is an estimation that uses a 40-year-old married male who requires full coverage including both comprehensive and collision and $250 policy deductibles.

There is a good possibility you are not 40 and possibly not even male, you might be single instead of married, and there is a good chance that you need different coverage limits than the exampe. Even a slight change in the factors used to determine rates can cause large differences in the rate quoted for a Chevy Silverado.

This demonstrates why the best way to quote the cheapest coverage for your Chevrolet is to make a habit of comparing rates at every renewal.

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Vehicle trim level tends to have a direct impact on the coverage cost, so the price you will be charged to insure a Silverado LS Regular Cab 2WD trim level will be $244 cheaper than the cost to insure the high end Silverado Crew Cab Hybrid 4WD trim level, as shown in the prices below.

Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Table data does not factor in garaging location in Massachusetts which can alter auto insurance rates considerably.

Finding out which company has the best auto insurance rates for a Chevy Silverado takes a bit more effort than just quoting one company’s rates. Every car insurance company has a proprietary formula for filing rates in each state, so we will examine the auto insurance companies that tend to be cheaper in Massachusetts.

Best Insurance Companies for Your Silverado Truck

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State Farm may have some of the lowest car insurance rates in Massachusetts at around $741 each year. National Grange Mutual, GEICO, OneBeacon, and Commerce Group would also be considered some of the cheapest Massachusetts auto insurance companies.

In this example, if you currently buy coverage from National Grange Mutual and switched to State Farm, you may realize a yearly savings of in the vicinity of $58. Drivers with GEICO may save as much as $127 a year, and OneBeacon customers might lower prices by $144 a year.

To see if your current coverage is too expensive, click here to get a free quote or feel free to get quotes from the companies below.

These policy rates are averages for all ages of drivers and types of vehicles and do not factor in a specific rating modification for a Chevy Silverado. So the company that fits your situation best may not even be included in the rate chart shown above. That affirms the importance of why you need to get auto insurance quotes using your own specific driver information and vehicle.

Full coverage or liability only

Finding the best cheap insurance for a Chevy Silverado in Massachusetts is the goal of most vehicle owners, and one of the best ways to find cheaper insurance is to buy only liability coverage. The example below illustrates the difference between insurance costs with full coverage and liability only. The premium estimates are based on a clean driving record, no claims, $1,000 deductibles, drivers are not married, and no discounts are factored in.

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If we average the cost for ages 20 through 70, comprehensive and collision coverage on your policy costs an additional $1,776 per year over and above liability coverage. That is a large expense and it proposes the question if physical damage coverage is worth the money. There is no definitive rule to eliminate physical damage insurance, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

There are a few situations where dropping physical damage coverage is not a good idea. If you still owe a portion of the original loan, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.

Get discounts on Massachusetts auto insurance

Insurance companies that sell the best cheap insurance for a Chevy Silverado in Massachusetts may also give you discounts that may potentially lower prices by 30% or more if you are eligible for them. The best auto insurance companies and a partial list of their discounts are outlined below.

The example below compares auto insurance rates with and without discounts applied to the premium. The data is based on a male driver, no violations or accidents, Massachusetts state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with multiple vehicle, defensive driving course, anti-theft, multiple policy, marriage, and claim-free discounts applied. When discounts are factored in, the the average amount saved on auto insurance for a Chevy Silverado is 33% or $817.

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Who has the cheapest Chevrolet Silverado insurance quotes?

Drivers have many ways to quote cheap auto insurance rates in Massachusetts, but the most prevalent are from a non-exclusive or independent agent, an exclusive agency like Allstate or Liberty Mutual, or direct online or over the phone from a company like Progressive or Geico.

Each way is similar, but buyers need to know the differences in how they work.

Independent agents write business for many companies and can compare rates with each one. Agents of this type are not restricted to one company and can quote rates with many companies, which can help you get the best chance of saving money. If they find a cheaper price, your policy can be easily switched to a different company and you don’t have to do anything.

An exclusive agent is only able to give prices for one company, two popular examples being State Farm and Auto-Owners agents. Exclusive agents are unable to provide a range of price quotes, so they are skilled at selling on more than just price.

Consumers who buy auto insurance direct forego a local agent and buy from a direct company like Esurance. Shopping for auto insurance direct is good for drivers who do not need advice for asset protection and understand what is covered and what is not.

What is the best method to buy the best cheap insurance for a Chevy Silverado in Massachusetts? Most drivers assume that buying from a direct company saves money because there are no middleman commissions, but unfortunately, it’s not that cut and dried. A good argument could also be made that going through an independent agent is the best way to save since they have more companies to choose from, but again, it’s not necessarily true. And sometimes, the exclusive agents have very competitive rates that are impossible to beat.

Because there is so much variation in auto insurance prices, the only real way to find out which one is cheapest is to compare, compare, and compare some more. Industry experts recommend getting prices from all three types to have the best selection of rates to choose from. For a list of companies offering online discounts, click here to view.

How to find budget-friendly auto insurance for a Chevy Silverado

It is possible to find better rates, and here are some thrifty ideas that can help you locate the cheapest car insurance.

• Choose a safer vehicle and pay lower rates
• Avoid getting citations and tickets
• Drivers with good credit often pay less
• Drive attentively and avoid accidents
• Raise physical damage deductibles
• Comparison shop at least once a year

The final tip is remarkably significant, as was discussed in the prior article. Car insurance prices in Massachusetts can be modified anytime, so drivers shouldn’t be resistant to switch carriers if you find a better deal.

Many drivers tend to have loyalty to a certain company, but it’s not a good idea if that devotedness results in you overpaying potentially thousands of dollars a year. In less than five minutes you could compare rates to find cheaper insurance for a Chevy Silverado.