Cheapest Insurance Quotes for a Chevrolet Silverado in Nebraska

Buying the best cheap car insurance for a Chevy Silverado in Nebraska is dependent upon a whole bunch of factors like how far you drive to work, the performance level of your vehicle, and driving citations. Drivers pay approximately $1,040 each year for Silverado insurance, but that price is an estimate that uses rate data for a 30-year-old married female driver that has full comprehensive and collision coverage and $250 physical damage deductibles.

This brings up the issue that more than likely you may not be 30 years old (or even female), single instead of married, or maybe you have a teenager that needs to be on your policy. Everyone has different rating factors, so your best chance at finding affordable rates for your Chevrolet is to compare as many rates as possible. Do a quick rate comparison now and you will receive prices from top-rated companies that sell coverage in Nebraska.

Save Now on Silverado Insurance

The specific trim level tends to have a direct effect on the insurance rate, so the price to insure a Silverado LS Regular Cab 2WD model will be $236 less expensive the insurance cost for the more expensive Silverado Crew Cab Hybrid 4WD trim level, as demonstrated by the prices below.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Price information does not factor in the specific area where the vehicle is garaged which can impact rates greatly.

Nebraska insurance company ratings

Ending up with a high-quality auto insurance provider can be difficult considering how many choices drivers have in Nebraska. The rank data shown below can help you analyze which coverage providers to look at when comparing rate quotes.

These ratings are only made up of companies that insure vehicles nationwide, so companies that have a smaller presence will not be included in the list. To check prices from these and other competitive companies, click here.

Top 10 Large Car Insurance Companies in Nebraska Ranked by Customer Satisfaction

1. USAA – 92%
2. American Family – 88%
3. State Farm – 88%
4. Nationwide – 88%
5. 21st Century – 88%
6. The Hartford – 87%
7. Progressive – 87%
8. AAA Insurance – 87%
9. Farmers Insurance – 87%
10. Liberty Mutual – 87%

Top 10 Large Car Insurance Companies Overall in Nebraska

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. Safeco Insurance
8. State Farm
9. Travelers
10. American Family

Top Companies for Chevrolet Silverado Insurance in Nebraska

Full coverage rates compared to liability-only

Finding the cheapest insurance for a Chevy Silverado in Nebraska is probably important to the majority of people, and one of the easiest ways to find cheaper insurance is to buy liability only. The example below visualizes the comparison of car insurance costs with and without full coverage. The rates are based on no violations or accidents, $500 deductibles, marital status is single, and no additional discounts are factored in.

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If averaged out across all ages, physical damage insurance costs an extra $1,919 per year more than just buying liability insurance. That proposes the question if buying full coverage is a good investment. There is no definitive formula that works best for making the decision to drop comp and collision coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is about 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

For example, let’s assume your vehicle’s replacement cost is $6,500 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $5,500 after you pay the deductible. If you are paying over $550 annually for full coverage, then it may be the right time to buy liability only.

There are some cases where eliminating full coverage is not recommended. If you haven’t paid off your loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not drop full coverage.

Progressive, Allstate, Geico, and State Farm compared

When shopping for insurance for a Silverado pickup in Nebraska, some of the largest companies to start with are Progressive, Allstate, Geico, and State Farm. Combined they insure 48.5% of all car insurance policies written. All of them offer liability and physical damage protection, but each on has slightly different coverages and options that shoppers can choose from. The next table compares ratings for price, service, and claims, in additional to some of the optional coverages that are available for buyers.

How to find economical car insurance for a Chevy Silverado

The list below details some thrifty suggestions that can help you buy lower-cost coverage.

• Buying car and homeowners insurance together can save money
• Earn discounts for being claim-free
• Increase your deductibles
• Buy a vehicle with excellent safety ratings
• Older vehicles may not need full coverage
• Good credit can help you save money
• Compare prices frequently to find the best deal

The last suggestion is notably important, as we stressed in this piece. Prices in Nebraska can change considerably in a year, so drivers shouldn’t be reluctant to change insurance companies if a more affordable price is available. Brand loyalty is great, but is isn’t recommended if that dedication is costing a wad of cash every year. Take a couple minutes and compare prices to find cheaper insurance for a Chevy Silverado.

Who has the cheapest Chevrolet Silverado insurance quotes?

There are a variety of different ways to compare cheaper insurance rates in Nebraska, but the most common are from a non-exclusive or independent agent, an exclusive insurance agency such as Liberty Mutual or Allstate, or direct online or over the phone from a company like Progressive or Geico. They all have the same basic principle, but each is different in how they work.

Independent agents have contracts with many companies and can get rate quotes from every one. Independent agents have the option to provide you with more rates, which can give you a better comparison. If premiums increase, they simply move the coverage in-house and you stay with the same agent.

An exlusive, or captive, agency is only able to write business for just one company like a State Farm or Liberty Mutual agent. They are unable to quote prices from more than a single company, so you will not be able to compare other companys’ rates.

Insurance from a direct company means you forego either of the other two types of agents and instead buy buying direct from a company like Esurance or Progressive. This option is good for consumers who have fewer assets and have an above average understanding of how insurance works.

Which way works best to buy the cheapest insurance for a Chevy Silverado in Nebraska? Most drivers assume that buying direct results in the cheapest price because there is no agent involved, but that does not always hold true. And we’d like to say an independent agency results in the cheapest rates since they have more companies to choose from, but again, it’s not a sure thing. For some people, exclusive agents may have prices that cannot be beaten by either independent or direct companies.

Because there is so much variation in insurance prices, the one way to ensure the lowest rates is to compare rate quotes from as many companies as possible. Industry experts recommend getting quotes from all three in order to find the best price. A great place to start is our list of online companies offering discounts: click here to view.