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

The likelihood of finding the cheapest insurance for a Chevy Silverado in Mississippi relies on a whole bunch of rating criteria like how safe your vehicle is, the condition of your credit, and if your driving record is clean. Mississippi drivers on average pay around $1,170 per year to insure a Chevrolet Silverado, but that figure is an estimate based on cost data for a 50-year-old single male driver that includes full physical damage coverage and $250 policy deductibles.

If we were betting, you are not exactly 50 years old and possibly not even male, possibly married instead of single, and you want different coverage limits than the example. There is no “one size fits all” policy, so the most reliable way to find the cheapest rates for your Chevrolet is to just take the time to do a thorough rate comparison. Get a free quote now and you will receive prices from the cheapest companies that offer coverage in Mississippi.

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Your Chevrolet’s trim level tends to have a direct effect on the annual cost of coverage, so the rate you will pay to insure a Silverado LS Regular Cab 2WD trim level will be $248 cheaper than the price to insure the high end Silverado Crew Cab Hybrid 4WD model, as shown in the prices below.

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Mississippi minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Information does not factor in Mississippi location which can change insurance rates significantly.

Choosing the best auto insurance provider can be a challenge considering how many companies sell coverage in Mississippi. The rank data shown below can help you decide which auto insurers you want to consider comparing prices from.

These ratings only include large insurance companies, so smaller companies are not factored into this list. If you would like to check rates from many more Mississippi auto insurance companies, click here.

Get discount Mississippi car insurance rates

Insurance companies that offer the cheapest insurance for a Chevy Silverado in Mississippi may have price discounts that can lower rates by as much as 25% or more if you qualify for them. Large car insurance companies and their possible discounts are:

• State Farm may offer discounts for multiple autos, student away at school, Drive Safe & Save, Steer Clear safe driver discount, and defensive driving training.
• Esurance discounts include online quote, safety device, paid-in-full, anti-lock brakes, multi-policy, defensive driver, and online shopper.
• Progressive includes discounts for continuous coverage, online signing, homeowner, good student, online quote discount, and multi-policy.
• Liberty Mutual has savings for multi-car, newly married, new move discount, good student, multi-policy, preferred payment discount, and safety features.
• Auto-Owners Insurance offers premium reductions for company car, paid in full, good student, safe driver, multi-policy, and student away at school.
• GEICO policyholders can earn discounts including air bags, good student, seat belt use, five-year accident-free, and daytime running lights.

The information below shows the comparison of car insurance rates with and without some available policy discounts. The data is based on a female driver, no claims, a clean driving record, Mississippi state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with passive restraint, claim-free, defensive driving course, marriage, multiple policy, and accident-free discounts applied. When drivers qualify for the discounts, the the average amount saved on car insurance for a Chevy Silverado is 28% or $604.

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How accidents and tickets impact rates

The common sense way to earn the most affordable car insurance rates for a Silverado pickup is to drive carefully and not have accidents or get tickets. The chart below highlights how speeding tickets and accident claims can increase insurance premiums for each different age category. The rate quotes are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

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In the chart above, the average cost of car insurance per year with no violations or accidents is $1,713. Add in two speeding tickets and the average cost rises to $2,290, an increase of $578 each year. Then add in one accident along with the two speeding tickets and the annual cost of car insurance for a Chevy Silverado jumps again to an average of $2,887. That’s an increase of $1,174, or $98 per month, just for not driving safely!

Who has the cheapest Chevrolet Silverado insurance quotes?

There are a variety of different ways to find cheap car insurance in Mississippi, but the most prevalent methods are from an independent insurance agent, an exlusive agent like Allstate or Auto-Owners, or direct online or over the phone from a company like Geico or Progressive. They all have the same end result, but they differ in how they price policies.

Independent agencies work for many companies and can quote your policy with all of them. Independent agents will provide multiple price quotes, which can give you a better overall rate comparison. If the agent locates a cheaper price, it’s simple to move the policy which makes it simple for you.

A captive, or exclusive, agent is only able to quote rates with a single insurance company, two examples being a Farmers or Allstate agent. Exclusive agents normally do not have the ability to provide a range of price quotes, so they are skilled at selling on more than just price.

Buying from a direct company means do not use a local insurance agent and buy direct from companies such as Esurance or Progressive. Shopping direct may be the best choice consumers who do not have a need for a risk management assessment and have some degree of understanding of the exclusions of a policy.

So which method is best for finding the cheapest insurance for a Chevy Silverado in Mississippi? The quick answer would be buying from a direct company results in the best prices because there is no agent involved, but that turns out to not be true. We could also say that buying car insurance from an independent agent is the best way to save due to having more companies to select from, but that assumption is also not necessarily accurate. In many circumstances, exclusive agents may have very competitive prices that are impossible to beat.

Because of the variability of car insurance rates, the guaranteed way to get the lowest rate is to get rate quotes and compare. Put in the effort to get quotes from all three types to have the best rate selection. A great place to start is our list of online companies offering discounts: click here to view.

How to find the cheapest insurance for a Chevy Silverado

It is possible to find better rates, and here are some money-saving ideas that can help you buy cheaper coverage.

• Avoid speeding and other traffic citations and pay less
• Buy safe vehicles
• Raise deductibles to save money
• Do not pay for full coverage if not needed
• Pay cheaper rates with good credit scores
• At-fault accidents will increase rates
• Shop your coverage around for the best deal

The last tip in the list is incredibly valuable, as was discussed in this write-up. Insurance rates can change considerably based on profitability, so don’t be afraid to change insurance companies if a more affordable rate is found. Staying with the same car insurance company is fine, but it isn’t a good idea if that inflexibility results in costing you lots of money. Now is a great time to compare rates to find cheaper insurance for a Chevy Silverado.