Cheapest Rate Quotes for Chevy Silverado Insurance in Houston

Discount Chevy Silverado insuranceTrying to find cheaper Chevy Silverado insurance in Houston? There isn’t a single person who likes having to buy insurance, especially when they know the cost is way too high.

It’s astonishing, but the vast majority of insurance customers in Texas have remained with the same insurance company for at least the last four years, and about 40% of consumers have never taken the time to shop around. Consumers in the United States can save hundreds of dollars each year, but they don’t want to take the time to compare rates and save money. Many insurance companies compete for your hard-earned dollar, so it’s not easy to compare every insurer to find the best rate on Chevy Silverado insurance in Houston.

If you already have coverage or are shopping for new coverage, you can use this information to shop for the lowest rates without having to cut coverage. Locating the best rates in Houston is actually very simple if you learn how to start. Vehicle owners only need to know the tricks to compare prices from multiple carriers.

The quickest method we recommend to compare rates for Chevy Silverado insurance in Houston utilizes the fact most of the larger companies actually pay money for the chance to compare rate quotes. The only thing you need to do is give them rating details including whether you are single or married, driver ages, if you have an active license, and if it has an alarm system. Your rating data is instantly sent to insurance carriers in your area and they provide comparison quotes very quickly.

To check rates for your car now, click here and enter your coverage details.

The providers in the list below can provide quotes in Houston, TX. If several companies are displayed, it’s highly recommended you compare several of them to get the cheapest price.

Chevrolet Silverado Insurance Cost Estimates in Houston, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado LS Regular Cab 2WD $256 $408 $430 $26 $128 $1,248 $104
Silverado LS Regular Cab 4WD $248 $400 $388 $24 $116 $1,176 $98
Silverado LT Regular Cab 2WD $226 $412 $404 $24 $122 $1,188 $99
Silverado LT Regular Cab $254 $512 $486 $28 $146 $1,426 $119
Silverado LS Extended Cab 4WD $166 $288 $392 $24 $118 $988 $82
Silverado LT Extended Cab 4WD $178 $358 $462 $28 $138 $1,164 $97
Silverado LT Extended Cab 2WD $252 $492 $404 $24 $122 $1,294 $108
Silverado LS Extended Cab 2WD $288 $570 $520 $30 $156 $1,564 $130
Silverado LT Crew Cab 4WD $234 $368 $500 $30 $150 $1,282 $107
Silverado LS Crew Cab 2WD $210 $400 $414 $24 $124 $1,172 $98
Silverado LS Crew Cab 4WD $262 $462 $388 $24 $116 $1,252 $104
Silverado LT Crew Cab 2WD $246 $434 $444 $26 $132 $1,282 $107
Silverado LTZ Extended Cab 2WD $356 $788 $560 $34 $168 $1,906 $159
Silverado LTZ Extended Cab 4WD $200 $360 $388 $24 $116 $1,088 $91
Silverado LTZ Crew Cab 2WD $256 $486 $404 $24 $122 $1,292 $108
Silverado LTZ Crew Cab 4WD $318 $660 $496 $30 $148 $1,652 $138
Silverado Crew Cab Hybrid 2WD $318 $788 $400 $24 $120 $1,650 $138
Silverado Crew Cab Hybrid 4WD $396 $908 $496 $30 $148 $1,978 $165
Get Your Own Custom Quote Go

Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Prices do not factor in vehicle location which can impact coverage rates significantly.

Cautious drivers save money

The diagram below shows how traffic citations and accidents drive up Chevrolet Silverado auto insurance costs for different insured age categories. Data assumes a single male driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.

Chevrolet Silverado liability-only versus full coverage

The illustration below examines Chevrolet Silverado insurance costs when comparing full coverage to liability only. Data assumes no violations or claims, $100 deductibles, single male driver, and no discounts are taken into consideration.

Guidelines for eliminating full coverage

There is no set guideline to drop physical damage insurance, but there is a general convention. If the annual cost of your full coverage insurance is more than about 10% of the settlement you would receive from your company, then it could be time to drop full coverage.

For example, let’s say your Chevrolet Silverado claim settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $2,000 after paying the physical damage deductible. If you are paying in excess of $200 a year for your policy with full coverage, then it might be time to buy liability only.

There are a few cases where dropping full coverage is not advised. If you still have a lienholder on your title, you must maintain physical damage coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.

Chevrolet Silverado insurance costs by age and gender

The example below visualizes the comparison of Chevrolet Silverado car insurance rates for male and female drivers. Data assumes no accidents or driving violations, comprehensive and collision coverage, $250 deductibles, single marital status, and no policy discounts are applied.

Lower rates by qualifying for discounts

Some insurance providers don’t necessarily list every policy discount in a way that’s easy to find, so the following is a list of a few of the more well known and also the lesser-known discounts that you can inquire about if you buy Houston car insurance online. If you are not receiving all the discounts you deserve, you could be paying more than you need to.Auto insurance discounts

Please keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only cut the cost of specific coverages such as liability and collision coverage. So even though you would think you can get free auto insurance, you’re out of luck.

To view auto insurance companies that provide some of the discounts listed above in Texas, click this link.

Insurance agent or online?

A lot of people prefer to get professional advice from a licensed agent and there is nothing wrong with that. Good insurance agents are trained risk managers and help you file claims. The biggest benefit of comparing rates online is that you can obtain cheap rate quotes and still buy from a local agent.

Find insurance agent in HoustonAfter completing this simple form, the coverage information is submitted to companies in Houston who will gladly provide quotes for your auto insurance coverage. It makes it easy because there is no need to search for any insurance agencies since price quotes are sent to you directly. If for some reason you want to compare rates from a specific auto insurance provider, you would need to find their quoting web page to submit a rate quote request.

Picking an company shouldn’t rely on just a cheap price. Get answers to these questions too.

If you are wanting to find a local insurance agency, there are two different types of agents that you can choose from. Auto insurance policy providers are considered either independent (non-exclusive) or exclusive. Both types can write policy coverage, but it is a good idea to know how they differ since it may influence the selection process.

Exclusive Auto Insurance Agents

Agents that choose to be exclusive can only provide one company’s prices and examples are State Farm, Allstate and AAA. Exclusive agents cannot shop your coverage around so always compare other rates. They receive a lot of sales training on their company’s products which helps offset the inability to provide other markets.

Shown below is a short list of exclusive agencies in Houston who may provide you with price quotes.

1110 E NASA Pkwy Ste 300Houston, TX 77058(281) 204-8282View Map

3405 Mercer StHouston, TX 77027(713) 626-7500View Map

7710 Cherry Park Dr dHouston, TX 77095(281) 550-0333View Map

View more Houston agents

Independent Agents

These agents do not work for one specific company so as a result can place your coverage with a variety of different insurance companies and get you the best rates possible. If premiums increase, your agent can switch companies and you don’t have to do anything.

When comparing rate quotes, you will definitely want to get several quotes from a few independent agents to have the best price comparison.

Shown below is a list of independent agents in Houston that are able to give price quotes.

8624 Long Point RdHouston, TX 77055(713) 827-1277View Map

99 Detering St #280Houston, TX 77007(713) 869-6991View Map

450 North Sam Houston Pkwy E #103Houston, TX 77060(281) 445-1381View Map

View more Houston agents

Lower Your Houston Insurance Premiums

Many things are used when you get your auto insurance bill. Some of the criteria are obvious like an MVR report, although some other factors are less obvious like where you live and annual miles driven. A large part of saving on insurance is knowing the different types of things that go into determining the level of your policy premiums. When you know what positively or negatively controls the rates you pay, this allows you to make good choices that may reward you with lower premium levels.

The following are some of the factors used by your company to calculate your rate level.

Insurance is not optional in Texas

Despite the potentially high cost of Chevy Silverado insurance, insurance is required by state law in Texas and it also provides benefits you may not be aware of.

The benefits of having insurance more than cancel out the cost, particularly if you ever have a claim. Today the average American driver is currently overpaying as much as $865 each year so we recommend shopping around each time the policy renews to ensure rates are inline.

In Summary

You just read quite a bit of information on how to shop for Chevy Silverado insurance online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Drivers may even discover the lowest priced insurance comes from a small mutual company. Regional companies may only write in your state and offer lower premium rates compared to the large companies like Progressive and GEICO.

Some insurance providers do not offer online price quotes and usually these regional insurance providers sell through local independent agencies. Cost effective Chevy Silverado insurance can be bought from both online companies in addition to many Houston insurance agents, and you should be comparing both so you have a total pricing picture.

As you restructure your insurance plan, you should never reduce coverage to reduce premium. In too many instances, an accident victim reduced uninsured motorist or liability limits only to regret at claim time that they should have had better coverage. The proper strategy is to buy a smart amount of coverage at the best cost, not the least amount of coverage.

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