Finding economical insurance for a Chevy Silverado in California is fairly easy, but it hinges on a whole bunch of factors such as whether the vehicle is new, where your vehicle is garaged, and your choice of physical damage deductibles. California drivers pay on average $1,424 annually for Silverado insurance, but that figure is a valuation calculated using a 50-year-old single male driver with full comprehensive and collision coverage and $500 deductibles.
If we were betting, you are not 50 years old and maybe not even male, married instead of single, or maybe you have a speeding ticket or two that will increase rates. Every driver's needs are different, and that is why the way we recommend to find the cheapest rates for your Chevrolet is to just take the time to compare rates yourself. Quotes are free and easy and you can get rates from the best auto insurance companies available.
The trim level of your Silverado tends to have a direct effect on the yearly cost, so the price to insure a Silverado LS Regular Cab 2WD will cost $262 less than the insurance cost for the higher-priced Silverado Crew Cab Hybrid 4WD trim level, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Silverado LS Regular Cab 2WD||$208||$392||$564||$34||$168||$1,366||$114|
|Silverado LS Regular Cab 4WD||$208||$392||$500||$30||$150||$1,280||$107|
|Silverado LT Regular Cab 2WD||$238||$478||$564||$34||$168||$1,482||$124|
|Silverado LT Regular Cab||$238||$478||$564||$34||$168||$1,482||$124|
|Silverado LS Extended Cab 4WD||$238||$478||$500||$30||$150||$1,396||$116|
|Silverado LT Extended Cab 4WD||$238||$478||$500||$30||$150||$1,396||$116|
|Silverado LT Extended Cab 2WD||$238||$478||$564||$34||$168||$1,482||$124|
|Silverado LS Extended Cab 2WD||$238||$478||$564||$34||$168||$1,482||$124|
|Silverado LT Crew Cab 4WD||$270||$564||$500||$30||$150||$1,514||$126|
|Silverado LS Crew Cab 2WD||$270||$564||$564||$34||$168||$1,600||$133|
|Silverado LS Crew Cab 4WD||$270||$564||$500||$30||$150||$1,514||$126|
|Silverado LT Crew Cab 2WD||$270||$564||$564||$34||$168||$1,600||$133|
|Silverado LTZ Extended Cab 2WD||$270||$564||$564||$34||$168||$1,600||$133|
|Silverado LTZ Extended Cab 4WD||$270||$564||$500||$30||$150||$1,514||$126|
|Silverado LTZ Crew Cab 2WD||$270||$564||$564||$34||$168||$1,600||$133|
|Silverado LTZ Crew Cab 4WD||$270||$564||$500||$30||$150||$1,514||$126|
|Silverado Crew Cab Hybrid 2WD||$270||$648||$500||$30||$150||$1,598||$133|
|Silverado Crew Cab Hybrid 4WD||$300||$648||$500||$30||$150||$1,628||$136|
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Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Price information does not factor in vehicle garaging location which can influence prices substantially.
Finding out which company quotes the best car insurance rates for a Chevy Silverado will involve a bit more work than just comparing rates from one or two companies. Each insurance company has their own process for filing rates in each state, so let's look at the rankings for the car insurance companies that tend to have lower prices in Chula Vista, CA.
It's a good idea to know that Chula Vista car insurance rates are based on many factors which can substantially change the policy premium. Improving your credit rating, buying another vehicle, or getting a couple of tickets can trigger rate changes that can cause some rates to be more affordable than competitors.
Best Insurance Companies for Your Silverado Truck
|Rank||Company||Cost Per Year|
|Find Cheaper Rates Go|
USAA offers some of the most affordable car insurance rates in Chula Vista at around $1,109 per year. This is $542 less than the average policy premium paid by California drivers of $1,651. Century National, Wawanesa, Nationwide, and CSAA also make the cut as some of the cheapest Chula Vista, CA insurance companies.
In the rate table above, if you are a policyholder with CSAA and switched to Century National, you might realize savings of roughly $32. Drivers with 21st Century may save as much as $189 a year, and Grange policyholders might realize rate reductions of up to $257 a year.
Be aware that those prices are averaged across all drivers and vehicles in California and do not take into consideration an exact vehicle garaging location for a Chevy Silverado. So the car insurance company that can offer you the lowest price may not even be in the top 24 companies in the list above. That emphasizes why you need to compare prices as often as possible using your own individual information.
The example below illustrates how your choice of deductibles can increase or decrease insurance rates when trying to find cheap insurance for a Chevy Silverado. The costs are based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
The data above shows that a 50-year-old driver could lower their car insurance rates by $360 a year by changing from a $100 deductible to a $500 deductible, or save $544 by using a $1,000 deductible. Younger drivers, like the 20-year-old, can save up to $896 or even more just by choosing larger deductibles. If you make the decision to raise deductibles, it will be necessary to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense that comes with higher deductibles.
Cost difference between full coverage and liability
Reducing premiums for car insurance is important to most vehicle owners, and one of the fastest ways to pay lower rates for insurance for a Chevy Silverado is to buy only liability coverage. The example below illustrates the difference between annual premium costs with liability coverage only compared to full coverage. The data is based on no driving violations, no at-fault accidents, $100 deductibles, drivers are not married, and no discounts are taken into consideration.
On average, comprehensive and collision coverage on your policy costs $2,710 per year over liability only. At some point, almost every driver questions if full coverage is worth the money. There is no definitive guideline of when to phase out full coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of any settlement you would receive from your insurance company, then you might consider buying liability only.
How to find more affordable car insurance for a Chevy Silverado
Lowering your rates is not difficult, and here are some of the better thrifty suggestions that can help Chula Vista drivers locate more affordable coverage.
- Assess whether full coverage is needed
- Increase your credit score
- Buy a vehicle with excellent safety ratings
- Raise deductibles
- Save money by obeying traffic laws and keeping a clean driving record
- Staying accident-free helps keep rates low
- Compare rates often to find the best deal
The last item on the list is extraordinarily critical, as was emphasized in this write-up. Prices charged by companies go up and down frequently, so don't be tentative to buy from a different company if you can save money.
Many drivers tend to have loyalty to a certain company, but is isn't recommended if your bullheadedness ends up costing you money that could be used for better things. Now is a great time to compare prices and find cheaper auto insurance for a Chevy Silverado in Chula Vista.
The professional agents shown below are a good start to help you make a decision which auto insurance coverages would be the best in your situation, as lots of drivers aren't clear which coverage they need and would like to have a consultation when shopping for the best coverage for a Chevy Silverado. It can be complicated to find the best policy on your own, so using a licensed agent can give comfort knowing your policy gives you suitable coverage if you have an accident. To locate a Chula Vista auto insurance agent close to where you live, click the button at the bottom of the list.
Fletes Insurance and Financial Services
2127 Olympic Pkwy #1006 - Chula Vista, CA 91915 - (619) 616-0037
Bruce Anderson - State Farm Insurance Agent
871 Harold Pl #109 - Chula Vista, CA 91914 - (619) 422-3333
Allstate Insurance: Steven F Hovland
88 Bonita Rd Ste D - Chula Vista, CA 91910 - (619) 425-9400
Garrison Insurance Agency, Inc
553 Telegraph Canyon Rd - Chula Vista, CA 91910 - (800) 701-5909