Finding economical auto insurance for a Chevy Silverado is pretty easy for most people to do, but it depends on a lot of factors such as the safety rating of your vehicle, if you are a frequent claim filer, and driving violations and tickets. Pennsylvania drivers will pay around $868 per year for Silverado insurance, but that cost is a projection based on a 40-year-old married male driver with full physical damage coverage and $1,000 deductibles.
It’s highly likely you are not 40 and maybe not even a male, single instead of married, and you may just want the cheapest liability coverage you can find. This illustrates why the best method for finding cheap insurance prices for your Chevrolet is to compare as many rates as you can.
Your vehicle’s trim level tends to have a direct effect on the annual cost of coverage, so the price you pay to insure a Silverado LS Regular Cab 2WD model will be $130 less than the insurance cost for the more well-appointed Silverado Crew Cab Hybrid 4WD model, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Silverado LS Regular Cab 2WD||$124||$204||$384||$22||$114||$848||$71|
|Silverado LS Regular Cab 4WD||$124||$204||$340||$20||$102||$790||$66|
|Silverado LT Regular Cab 2WD||$144||$248||$384||$22||$114||$912||$76|
|Silverado LT Regular Cab||$144||$248||$384||$22||$114||$912||$76|
|Silverado LS Extended Cab 4WD||$144||$248||$340||$20||$102||$854||$71|
|Silverado LT Extended Cab 4WD||$144||$248||$340||$20||$102||$854||$71|
|Silverado LT Extended Cab 2WD||$144||$248||$384||$22||$114||$912||$76|
|Silverado LS Extended Cab 2WD||$144||$248||$384||$22||$114||$912||$76|
|Silverado LT Crew Cab 4WD||$162||$292||$340||$20||$102||$916||$76|
|Silverado LS Crew Cab 2WD||$162||$292||$384||$22||$114||$974||$81|
|Silverado LS Crew Cab 4WD||$162||$292||$340||$20||$102||$916||$76|
|Silverado LT Crew Cab 2WD||$162||$292||$384||$22||$114||$974||$81|
|Silverado LTZ Extended Cab 2WD||$162||$292||$384||$22||$114||$974||$81|
|Silverado LTZ Extended Cab 4WD||$162||$292||$340||$20||$102||$916||$76|
|Silverado LTZ Crew Cab 2WD||$162||$292||$384||$22||$114||$974||$81|
|Silverado LTZ Crew Cab 4WD||$162||$292||$340||$20||$102||$916||$76|
|Silverado Crew Cab Hybrid 2WD||$162||$336||$340||$20||$102||$960||$80|
|Silverado Crew Cab Hybrid 4WD||$180||$336||$340||$20||$102||$978||$82|
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Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Rate quotes do not factor in vehicle location which can decrease or increase insurance rates noticeably.
Picking the best auto insurance provider can be difficult considering how many companies there are in Pennsylvania. The company information in the next section may help you choose which auto insurance companies to look at shopping prices with.
These ratings include companies who write in the majority of U.S. states, so smaller companies that only insure vehicles in Pennsylvania are not taken into consideration for the list. To compare rates from the insurers below and more, follow this link.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
The diagram below highlights how deductible choice can impact yearly insurance costs when searching for cheap insurance for a Chevy Silverado. The data assumes a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.
The chart above illustrates that a 50-year-old driver could lower their car insurance rates by $364 a year by switching from a $100 deductible to a $500 deductible, or save $550 by switching to a $1,000 deductible. Young drivers, like the 20-year-old, could save as much as $928 or even more by choosing a larger deductible amount.
When increasing deductibles, it will be necessary to have plenty of discretionary funds to be able to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.
The importance of shopping around for Silverado insurance
Pennsylvania insurance rates are based on many factors that may substantially change the price you pay for coverage. Simply having a birthday, having a claim, or getting into an accident can cause premium changes that may make certain companies more affordable than others.
Additionally, car insurance companies file new Pennsylvania auto insurance rates as often as every quarter as an adjustment for underwriting gains or losses. Significantly higher losses may cause increased rates, while lower claims may result in lower-cost Silverado insurance rates.
For instance, the data below shows which companies have the cheapest car insurance in Pittsburgh, PA for a 45-year-old female driver with no accidents or violations, and a decent credit rating. If we compare prices based on her personal risk profile, General Casualty might quote the best car insurance rates in Pittsburgh at $906 a year. This is $751 less than the average premium paid by Pennsylvania drivers of $1,657. Travelers, Erie, USAA, and Penn National are the remaining top five cheapest Pittsburgh, PA auto insurance companies.
The chart below compares rates after we give the driver from the first set of rates a couple of claims, a lower credit score, and an imperfect driving record. Since each auto insurance company has their own guidelines for setting rates, comparing insurance quotes may now result in a significantly different list of affordable Pittsburgh car insurance companies as shown below.
Amica now has the lowest price in Pittsburgh, PA with Atlantic States, Travelers, Donegal Mutual, and GEICO also having competitive pricing. This example demonstrates why it is crucial to compare lots of rates when trying to find the best auto insurance rates for a Chevy Silverado.
Prices are impacted by many different factors and change dramatically, so the most affordable company two years ago may now be one of the more expensive options.
How to find more affordable car insurance for a Chevy Silverado
It is possible to find better rates, and here are some of the better money-saving solutions that can help Pittsburgh drivers quote lower-cost auto insurance.
- Raise deductibles
- Home or renters coverage can save on auto insurance
- Better credit scores save money
- Pay for small claims rather than turning them in to your insurance company
- Full coverage is expensive so only insure older vehicles for liability only
- Buy a safer vehicle
- Compare rate quotes often
That last idea is remarkably crucial, as was affirmed in the prior article. Auto insurance prices change a lot, so drivers shouldn’t hesitate to switch to a new company if you find a cheaper price. Many drivers prefer to stick with one company, but it isn’t a good idea if that inflexibility results in costing you a lot of money. It takes less than five minutes to shop around and find cheaper auto insurance for a Chevy Silverado in Pittsburgh.
The agents below are a good start to provide answers to your questions and help you determine which car insurance company is the best fit, as some drivers wish to have some professional guidance when buying car insurance for a Chevy Silverado. It can be difficult to find the best rates on your own, so professional agents can give peace of mind knowing your coverage gives you decent coverage if you have a claim. To find an auto insurance agency near you, click the link after the list or click here to compare price quotes now.
- Kelly Insurance Group
700 River Ave # 433 – Pittsburgh, PA 15212 – (412) 325-1650
- GEICO Insurance Agent
9026 St Simon Way – Pittsburgh, PA 15237 – (412) 364-7170
- Allstate Insurance: Thomas Bianco
1154 Freeport Rd – Pittsburgh, PA 15238 – (412) 967-7655
- Spodek Insurance Agency, Inc.
4349 Murray Ave – Pittsburgh, PA 15217 – (412) 521-8600