Insurance for Chevy SilveradoBeing forced to pay for overpriced auto insurance premiums can drain your bank account and force you to prioritize other expenses.

A study showed that most auto insurance customers kept their policy with the same company for over three years, and almost half have never compared rates with other companies. Many drivers in California can save almost $470 each year, but they don't invest the time required to do a rate comparison. Many insurers vie for your insurance dollar, and it can be difficult to compare rates to get the best price available on Chevy Silverado insurance in San Jose.

You should take the time to do price comparisons once or twice a year because prices change regularly. Just because you found the best rate on Chevy Silverado insurance in San Jose six months ago there may be better deals available now. Ignore everything you know about auto insurance because we're going to demonstrate the only way to lower your rates without sacrificing coverage.

If you have insurance now or are shopping for new coverage, you will benefit by learning to reduce premiums and still have adequate protection. Finding the cheapest coverage in San Jose is quite easy if you know the best way to do it. Consumers just have to know the tricks to buy car insurance over the internet.

Best Chevy Silverado insurance price quotes in California

The companies in the list below provide free rate quotes in California. In order to find cheap auto insurance in California, we recommend you visit several of them to find the cheapest car insurance rates.

Chevrolet Silverado Insurance Estimates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado LS Regular Cab 2WD $298 $472 $500 $30 $150 $1,450 $121
Silverado LS Regular Cab 4WD $158 $306 $500 $30 $150 $1,144 $95
Silverado LT Regular Cab 2WD $234 $446 $674 $40 $202 $1,596 $133
Silverado LT Regular Cab $240 $362 $654 $38 $196 $1,490 $124
Silverado LS Extended Cab 4WD $252 $426 $456 $26 $136 $1,296 $108
Silverado LT Extended Cab 4WD $292 $570 $416 $24 $124 $1,426 $119
Silverado LT Extended Cab 2WD $308 $570 $674 $40 $202 $1,794 $150
Silverado LS Extended Cab 2WD $182 $354 $564 $34 $168 $1,302 $109
Silverado LT Crew Cab 4WD $270 $564 $500 $30 $150 $1,514 $126
Silverado LS Crew Cab 2WD $490 $810 $654 $38 $196 $2,188 $182
Silverado LS Crew Cab 4WD $330 $672 $416 $24 $124 $1,566 $131
Silverado LT Crew Cab 2WD $420 $930 $604 $36 $180 $2,170 $181
Silverado LTZ Extended Cab 2WD $234 $490 $604 $36 $180 $1,544 $129
Silverado LTZ Extended Cab 4WD $270 $536 $464 $28 $138 $1,436 $120
Silverado LTZ Crew Cab 2WD $386 $678 $500 $30 $150 $1,744 $145
Silverado LTZ Crew Cab 4WD $370 $766 $574 $34 $172 $1,916 $160
Silverado Crew Cab Hybrid 2WD $386 $780 $442 $26 $132 $1,766 $147
Silverado Crew Cab Hybrid 4WD $476 $960 $596 $36 $178 $2,246 $187
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Price information does not factor in specific garaging location which can alter coverage rates greatly.

Bad driving habits will cost you more

The illustration below highlights how traffic violations and at-fault collisions can impact Chevrolet Silverado car insurance costs for different age categories. The price estimates are based on a married female driver, comp and collision included, $100 deductibles, and no other discounts are factored in.

Cost difference between full coverage and liability

The chart below shows the comparison of Chevrolet Silverado car insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in California. The data assumes no accidents, no driving violations, $500 deductibles, married female driver, and no additional discounts are factored in.

Are you wasting money on full coverage?

There is no written rule of when to drop physical damage insurance, but there is a guideline you can use. If the yearly cost of full coverage is 10% or more of the vehicle's replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let's say your Chevrolet Silverado book value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would receive is $7,000 after paying the physical damage deductible. If premiums are more than $700 a year to have full coverage, then it might be time to buy liability only.

There are some cases where dropping physical damage coverage is not financially feasible. If you still owe money on your vehicle, you are required to maintain full coverage to protect the lienholder's interest. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not remove full coverage.

An analysis of deductible level

The example below shows how choosing a deductible and can influence Chevrolet Silverado premium costs for different age categories. The rate quotes are based on a single female driver, full physical damage coverage, and no other discounts are factored in.

The Chevy Silverado Insurance Price Equation

Smart consumers have a good feel for the different types of things that go into determining the price you pay for insurance. If you know what positively or negatively impacts your premiums, this enables informed choices that will entitle you to big savings. Many different elements are used when you get your auto insurance bill. A few of the factors are predictable such as your driving history, although some other factors are less apparent like your continuous coverage or how financially stable you are.

Companies offer many types of discounts on Chevy Silverado insurance in San Jose

Auto insurance companies don't necessarily list every available discount in an easy-to-find place, so the following is a list of both the well known and also the more inconspicuous ways to save on car insurance.Save money with discounts

Discounts reduce rates, but you should keep in mind that most credits do not apply to the overall cost of the policy. Most only cut individual premiums such as liability and collision coverage. If you do the math and it seems like having all the discounts means you get insurance for free, that's just not realistic. But any discount will positively reduce the premium cost.

To see a list of providers offering car insurance discounts in San Jose, follow this link.

Get rate quotes but still have a local San Jose insurance agency

Certain consumers still like to talk to a local agent and that is recommended in a lot of cases Licensed agents are very good at helping people manage risk and give you someone to call. One of the benefits of getting online price quotes is you may find lower rates and still have an agent to talk to. And providing support for local insurance agencies is especially important in San Jose.

Insurance agency in San JoseTo make it easy to find an agent, after completing this short form, your insurance data is sent to local insurance agents in San Jose who can give free rate quotes for your insurance coverage. There is no reason to even leave your home because prices are sent to your email. If you wish to quote rates from a particular provider, feel free to go to their quote page and give them your coverage information.

If you want to buy car insurance from a local San Jose insurance agency, it's helpful to know the different agency structures that you can choose from. Insurance agencies in San Jose are considered either exclusive or independent agents depending on their company appointments. Either type can sell affordable car insurance policies, but we need to point out why they differ because it can impact which agent you choose.

Independent Car Insurance Agents (or Brokers)

Agents that choose to be independent often have affiliation with several companies so they can quote policies with any number of different companies and potentially find a lower price. To transfer your coverage to a different company, they can switch companies in-house which makes it simple for you.

If you are comparing car insurance prices, you need to get quotes from several independent insurance agents to have the most options to choose from.

Shown below are independent agencies in San Jose that can possibly get you cheap rate quotes.

1639 Meridian Ave a - San Jose, CA 95125 - (408) 286-4467 - View Map

2239 Moorpark Ave #100 - San Jose, CA 95128 - (408) 289-5445 - View Map

543 W Capitol Expy - San Jose, CA 95136 - (408) 441-7777 - View Map

More insurance agents

Exclusive Car Insurance Agents

Exclusive insurance agents can only place business with one company and examples are State Farm, Allstate and AAA. These agents are unable to provide other company's prices so they have to upsell other benefits. Exclusive insurance agents are highly trained in insurance sales which helps them sell insurance even at higher premiums.

Shown below are exclusive agencies in San Jose willing to provide rate quotes.

441 N 1st St - San Jose, CA 95112 - (408) 295-7000 - View Map

Reed Sparks - State Farm Insurance Agent
3119 Alum Rock Ave - San Jose, CA 95127 - (408) 923-2055 - View Map

1025 Lincoln Ave - San Jose, CA 95125 - (408) 267-4100 - View Map

More insurance agents

Deciding on an insurance agency is decision based upon more than just a cheap quote. These are valid questions to ask:

If you get good answers to any questions you have as well as an affordable premium quote, you may have just found an auto insurance agent that meets your needs to service your policy.

Beware of misleading car insurance ads

Consumers in California constantly see and hear ads for car insurance savings from the likes of Progressive, Allstate and GEICO. All the ads convey the message that you'll save big just by moving your coverage to them.

It sounds good, but how can they all offer drivers better rates? This is the way they can do it.

Car insurance companies have underwriting criteria for a prospective insured that is profitable for them. For instance, this type of driver could be between 30 and 50, has a clear driving record, and drives a safe vehicle. Any customer that matches those criteria will probably get the lowest prices and as a result will probably save some money.

People who don't qualify for these criteria will see more expensive rates and this can result in business not being written. Company advertisements say "customers who switch" not "all people who quote" can save as much as they claim. That's why insurance companies can confidently make claims like that.

Because each company has a different risk profile, drivers should do a price quote comparison at every renewal. It is impossible to predict the company that will have the best auto insurance rates for your profile.

You may need specialized auto insurance coverage

When it comes to buying coverage online or from an agent, there really is no one size fits all plan. Your financial needs are unique and a cookie cutter policy won't apply.Drive safe and save These are some specific questions could help you determine whether or not you could use an agent's help.

If you don't know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you don't have a local agent, fill out this quick form or go to this page to view a list of companies. It's fast, free and can provide invaluable advice.

More effort can pay off

As you restructure your insurance plan, it's a bad idea to buy less coverage just to save a little money. There are many occasions where an insured dropped uninsured motorist or liability limits only to regret at claim time that the few dollars in savings costed them thousands. Your objective should be to purchase a proper amount of coverage at the best possible price, but don't skip important coverages to save money.

We covered many ways to compare Chevy Silverado insurance car insurance rates in San Jose. It's most important to understand that the more times you quote, the better likelihood of getting inexpensive San Jose auto insurance quotes. You may even be surprised to find that the lowest car insurance rates are with a smaller regional carrier. Smaller companies may only write in your state and offer lower premium rates as compared to the big name companies such as Progressive and GEICO.

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