Best Ways to Save on Sacramento Chevy Silverado Insurance

It’s an obvious conclusion that insurance companies don’t want their customers to go rate shopping. Consumers who shop for lower rates are very likely to buy a new policy because there is a good probability of finding a more affordable policy. A recent survey revealed that drivers who did price comparisons regularly saved as much as $850 each year compared to other drivers who didn’t regularly shop around.

If finding the lowest price for auto insurance in Sacramento is why you’re here, then having some knowledge of how to get free comparison quotes and analyze coverage rates can save time, money, and frustration.

Insurance rates Chevy Silverado in SacramentoTruthfully, the best way to find more affordable Chevy Silverado insurance is to compare prices annually from different companies in Sacramento.

A valuable tip to remember is to use similar limits and deductibles on each quote and and to analyze all possible companies. Doing this guarantees a level playing field and a thorough selection of prices.

How to buy Chevy Silverado insurance online

Getting low cost Chevy Silverado car insurance pricing is actually quite simple. All that’s required is to invest a little time to get quotes online from several insurance companies.

The companies in the list below are our best choices to provide comparison quotes in California. If multiple companies are listed, we recommend you visit two to three different companies to get a more complete price comparison.

Premium rates and analysis

The data table shown next covers detailed analysis of insurance policy prices for Chevy Silverado models. Having a good grasp of how prices are formulated is important to be able to make smart policy decisions.

Chevrolet Silverado Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado LS Regular Cab 2WD $184 $298 $500 $30 $150 $1,162 $97
Silverado LS Regular Cab 4WD $184 $298 $442 $26 $132 $1,082 $90
Silverado LT Regular Cab 2WD $210 $362 $500 $30 $150 $1,252 $104
Silverado LT Regular Cab $210 $362 $500 $30 $150 $1,252 $104
Silverado LS Extended Cab 4WD $210 $362 $442 $26 $132 $1,172 $98
Silverado LT Extended Cab 4WD $210 $362 $442 $26 $132 $1,172 $98
Silverado LT Extended Cab 2WD $210 $362 $500 $30 $150 $1,252 $104
Silverado LS Extended Cab 2WD $210 $362 $500 $30 $150 $1,252 $104
Silverado LT Crew Cab 4WD $238 $426 $442 $26 $132 $1,264 $105
Silverado LS Crew Cab 2WD $238 $426 $500 $30 $150 $1,344 $112
Silverado LS Crew Cab 4WD $238 $426 $442 $26 $132 $1,264 $105
Silverado LT Crew Cab 2WD $238 $426 $500 $30 $150 $1,344 $112
Silverado LTZ Extended Cab 2WD $238 $426 $500 $30 $150 $1,344 $112
Silverado LTZ Extended Cab 4WD $238 $426 $442 $26 $132 $1,264 $105
Silverado LTZ Crew Cab 2WD $238 $426 $500 $30 $150 $1,344 $112
Silverado LTZ Crew Cab 4WD $238 $426 $442 $26 $132 $1,264 $105
Silverado Crew Cab Hybrid 2WD $238 $490 $442 $26 $132 $1,328 $111
Silverado Crew Cab Hybrid 4WD $266 $490 $442 $26 $132 $1,356 $113
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Rate quotes do not factor in the specific area where the vehicle is garaged which can lower or raise coverage rates substantially.

The example below illustrates how choosing a deductible and can influence Chevy Silverado annual premium costs for different age groups. The information is based on a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Three reasons to insure your Chevy Silverado

Even though it can be expensive, insuring your vehicle serves several important purposes.

The benefits of insuring your Silverado definitely exceed the price paid, particularly when you have a large claim. According to a 2015 survey, the average American driver is overpaying more than $825 a year so we recommend shopping around at every renewal to ensure rates are inline.

Insurance rates and discounts

Some providers don’t always list the complete list of policy discounts very clearly, so here is a list both the well known and also the more inconspicuous ways to save on insurance.Cheaper insurance with discounts

A quick disclaimer, most discount credits are not given to your bottom line cost. Most only reduce specific coverage prices like comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, you won’t be that lucky.

The information below compares Chevy Silverado yearly insurance costs with and without discounts being applied to the rates. The data is based on a male driver, no claims or driving violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, marriage, claim-free, homeowner, and safe-driver discounts applied.

A few popular companies and a summarized list of policyholder discounts are outlined below.

It’s a good idea to ask each company or agent which discounts you may be entitled to. Some of the discounts discussed earlier may not apply to policyholders in Sacramento. For a list of companies with discount insurance rates in California, click this link.

Compare rate quotes but buy from a local Sacramento insurance agent

A lot of people still prefer to buy from a licensed agent and that is just fine! Insurance agents can help determine the best coverages and give you someone to call. One of the benefits of getting free rate quotes online is the fact that you can find cheaper rates and also buy local.

Insurance agency in SacramentoTo make it easy to find an agent, after completing this form (opens in new window), the quote information is instantly submitted to agents in your area that give free quotes for your coverage. You won’t even need to contact an agency since price quotes are sent to you directly. In the event you want to quote rates from a specific company, you would need to go to their quote page to submit a rate quote request.

Selecting a provider needs to be determined by more than just the quoted price. The following questions are important to ask.

What types of car insurance agents are in Sacramento?

When researching a local Sacramento insurance agency, you must know there are a couple different types of agencies and how they work. Agents in Sacramento can be categorized as either exclusive agents or independent agents. Either one can do a good job, but it’s important to know how they differ because it can impact buying decisions.

Exclusive Auto Insurance Agencies

Agents of this type can only provide pricing for a single company like AAA, Allstate, State Farm, or Farmers Insurance. They are unable to shop your coverage around so you might not find the best rates. Exclusive insurance agents are usually quite knowledgeable on their company’s products which aids in selling service over price. Some people will only buy from the same agent for years mainly due to loyalty to the company and solid financial strength.

Listed below is a list of exclusive agencies in Sacramento that can give you comparison quotes.

View more agents

Independent Auto Insurance Agents

Independent agents are not employed by one company so they can write business amongst many companies and find you the best rates. If they find a cheaper price, the business is moved internally without you having to go to a different agency.

If you need lower rates, it’s a good idea to include a few independent agents so that you can do a thorough price comparison. Most independent agents also contract with companies that do not advertise much which could offer lower prices.

Shown below is a list of independent insurance agencies in Sacramento that can give you price quote information.

View more agents

Tailor your auto insurance coverage to you

Keep in mind that when it comes to choosing the right insurance coverage, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.Auto insurance savings

These are some specific questions may help highlight if your insurance needs will benefit from professional help.

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

The coverage is in the details

Understanding the coverages of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Auto liability insurance

Liability insurance will cover injuries or damage you cause to other’s property or people by causing an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 15/30/5 that means you have $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and a limit of $5,000 paid for damaged property.

Liability coverage protects against claims like funeral expenses, pain and suffering, emergency aid, loss of income and court costs. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford. California requires minimum liability limits of 15/30/5 but you should think about purchasing higher limits.

The illustration below demonstrates why buying low liability limits may not be adequate coverage.

Medical costs insurance

Med pay and PIP coverage provide coverage for expenses like chiropractic care, nursing services, funeral costs, surgery and doctor visits. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law (15/30/5), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Collision coverage

Collision insurance pays for damage to your Silverado resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with another moving vehicle, backing into a parked car, hitting a parking meter and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible on your Silverado to get cheaper collision coverage.

Comprehensive or Other Than Collision

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like rock chips in glass, hitting a deer and hail damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Quote more to save more

Cost effective Chevy Silverado insurance can be bought on the web as well as from independent agents in Sacramento, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers do not offer rate quotes online and usually these regional insurance providers sell through local independent agents.

Consumers change insurance companies for any number of reasons including extreme rates for teen drivers, high rates after DUI convictions, lack of trust in their agent and delays in responding to claim requests. Regardless of your reason for switching companies, choosing a new insurance company can be easy and end up saving you some money.

We covered quite a bit of information on how to compare Chevy Silverado insurance rates in Sacramento. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may even be surprised to find that the most savings is with a small mutual company.

To learn more, take a look at the following helpful articles: