Buying economical coverage for a Chevy Silverado is pretty easy to do, but it hinges on a fairly complex equation with a lot of factors such as how old the Silverado is, if you have prior claims, and your choice of deductibles. Drivers in California will pay on average $1,237 annually for Silverado insurance, but that price is an approximation calculated based on a 50-year-old single female driver with both comprehensive and collision coverage and $1,000 deductibles.
It’s highly likely you’re not a 50-year-old female, maybe you are married instead of single, or maybe you don’t qualify for the same discounts. Even a minor change in policy rating criteria or coverages can result in a large change in the cost of a policy.
There is no one cookie-cutter policy that works for everyone, so the best method for finding the cheapest insurance price for your Chevrolet is to just compare rates yourself. Quotes are free and easy and you will receive rate quotes from some of the best companies that insure Chevrolet vehicles in California.
The trim level of your Chevrolet can impact the coverage cost, so the rate you pay to insure a Silverado LS Regular Cab 2WD trim level will be $174 cheaper than the insurance cost for the more costly Silverado Crew Cab Hybrid 4WD model, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Silverado LS Regular Cab 2WD||$158||$292||$564||$34||$168||$1,216||$101|
|Silverado LS Regular Cab 4WD||$158||$292||$500||$30||$150||$1,130||$94|
|Silverado LT Regular Cab 2WD||$182||$354||$564||$34||$168||$1,302||$109|
|Silverado LT Regular Cab||$182||$354||$564||$34||$168||$1,302||$109|
|Silverado LS Extended Cab 4WD||$182||$354||$500||$30||$150||$1,216||$101|
|Silverado LT Extended Cab 4WD||$182||$354||$500||$30||$150||$1,216||$101|
|Silverado LT Extended Cab 2WD||$182||$354||$564||$34||$168||$1,302||$109|
|Silverado LS Extended Cab 2WD||$182||$354||$564||$34||$168||$1,302||$109|
|Silverado LT Crew Cab 4WD||$204||$418||$500||$30||$150||$1,302||$109|
|Silverado LS Crew Cab 2WD||$204||$418||$564||$34||$168||$1,388||$116|
|Silverado LS Crew Cab 4WD||$204||$418||$500||$30||$150||$1,302||$109|
|Silverado LT Crew Cab 2WD||$204||$418||$564||$34||$168||$1,388||$116|
|Silverado LTZ Extended Cab 2WD||$204||$418||$564||$34||$168||$1,388||$116|
|Silverado LTZ Extended Cab 4WD||$204||$418||$500||$30||$150||$1,302||$109|
|Silverado LTZ Crew Cab 2WD||$204||$418||$564||$34||$168||$1,388||$116|
|Silverado LTZ Crew Cab 4WD||$204||$418||$500||$30||$150||$1,302||$109|
|Silverado Crew Cab Hybrid 2WD||$204||$482||$500||$30||$150||$1,366||$114|
|Silverado Crew Cab Hybrid 4WD||$228||$482||$500||$30||$150||$1,390||$116|
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Table data does not factor in specific garaging location which can influence premiums considerably.
Picking the best car insurance provider can be a challenge considering how many choices drivers have in Long Beach. The company ratings below may help you choose which car insurance providers to look at comparing price quotes from.
These ratings are only comprised of companies with a national presence, so smaller companies that only insure vehicles in California are not included in this list. If you’d like to compare prices from these companies and more, just click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
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Data Source: Insure.com Best Car Insurance Companies
Types of discounts on Long Beach insurance
Auto insurance companies that offer cheap quotes for a Chevy Silverado may also give you special discounts that may potentially lower prices by as much as 35% if you meet eligibility requirements. Large insurance companies and their possible discounts are outlined below.
- State Farm policyholders can earn discounts including multiple autos, good driver, safe vehicle, student away at school, accident-free, multiple policy, and driver’s education.
- Farmers Insurance offers discounts for mature driver, business and professional, bundle discounts, distant student, and switch companies.
- GEICO may include discounts for air bags, five-year accident-free, defensive driver, good student, and seat belt use.
- American Family has discounts for air bags, defensive driver, TimeAway discount, accident-free, mySafetyValet, Steer into Savings, and good driver.
- Nationwide offers premium reductions for multi-policy, defensive driving, business or organization, Farm Bureau membership, and easy pay.
- Progressive offers discounts including good student, online signing, multi-vehicle, homeowner, multi-policy, and continuous coverage.
The information below compares car insurance rates with and without some available policy discounts. The rates are based on a female driver, no claims, a clean driving record, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with vehicle safety, defensive driving course, passive restraint, safe-driver, anti-theft, and multiple vehicle discounts applied. When discounts are factored in, theaverage amount saved on insurance for a Chevy Silverado is 28% or $624.
The example below highlights how deductible selection can affect yearly insurance costs when trying to find cheap insurance for a Chevy Silverado. The prices are based on a married female driver, full coverage, and no discounts are applied.
A 50-year-old driver could pocket $466 a year by switching from a $100 deductible to a $500 deductible, or save $700 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, have the ability to save as much as $1,154 or even more by choosing a larger deductible amount. When raising deductibles, it will be necessary to have additional funds squirreled away to allow you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
The Long Beach, CA, insurance agents below can probably answer your questions and help you decide which auto insurance policy fits you best, since some people prefer to get some professional input when trying to find the best insurance rates for a Silverado pickup. It can be challenging to find the cheapest car insurance policy, so agents can provide comfort knowing you have enough protection. To find a Long Beach insurance agency using an interactive map, click the button following the list.
- Peter Kong – State Farm Insurance Agent
2020 E Anaheim St – Long Beach, CA 90804 – (562) 438-8188
- Farmers Insurance: Kimberly Terrell
4425 Atlantic Ave – Long Beach, CA 90807 – (310) 567-7726
- John Margain – State Farm Insurance Agent
3524 E 7th St – Long Beach, CA 90804 – (562) 433-4622
How to find economical insurance for a Chevy Silverado
Lowering your rates is not difficult, and here are some of the recommended money-saving ideas that can help drivers quote lower-cost coverage.
- Raise comprehensive and collision coverage deductibles
- Serious violations like DUI or reckless driving can increase rates dramatically
- Do not pay for full coverage if not needed
- Avoid preventable accidents
- If possible, pay for small claims out-of-pocket
- Compare quotes from other companies often
The last idea is extraordinarily important, as we stressed in the prior article. Prices charged by companies adjust often, so don’t be tentative to buy from a new company if a better rate can be found.
Brand loyalty is great, but it isn’t a good idea if that loyalty ends up costing lots of hard earned cash every month. If you have a few minutes, compare rates to find cheaper auto insurance for a Chevy Silverado in Long Beach.