Insurance quote for Chevy Silverado in EvansvilleHow long has it been since you compared quotes for low-cost Chevy Silverado insurance in Evansville? Searching for better insurance prices for a Chevy Silverado in Indiana could be a painful process, but you can use a few tricks to find lower rates. There is a better way to compare insurance rates so we're going to tell you the proper way to get price quotes for a new or used Chevy and get the lowest price from Evansville insurance agents and online providers.

It is always a good idea to get comparison quotes every six months because prices are variable and change quite frequently. Just because you had the lowest price on Chevy Silverado insurance in Evansville last year there may be better deals available now. You can find a lot of information about Silverado insurance on the web, but we're going to give you some good information on how to lower your insurance bill.

Getting a low cost price on Chevy Silverado insurance is not rocket science. Drivers just need to take a few minutes comparing rates provided by online insurance companies.

The companies shown below provide price quotes in Evansville, IN. If multiple companies are listed, we suggest you compare several of them to get a more complete price comparison.

Chevrolet Silverado Insurance Rates in Evansville, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado LS Regular Cab 2WD $164 $304 $304 $18 $92 $882 $74
Silverado LS Regular Cab 4WD $100 $186 $294 $18 $88 $686 $57
Silverado LT Regular Cab 2WD $128 $260 $412 $24 $124 $948 $79
Silverado LT Regular Cab $116 $236 $358 $22 $108 $840 $70
Silverado LS Extended Cab 4WD $122 $212 $290 $18 $86 $728 $61
Silverado LT Extended Cab 4WD $248 $366 $368 $22 $110 $1,114 $93
Silverado LT Extended Cab 2WD $188 $370 $304 $18 $92 $972 $81
Silverado LS Extended Cab 2WD $202 $294 $416 $24 $124 $1,060 $88
Silverado LT Crew Cab 4WD $238 $422 $286 $16 $86 $1,048 $87
Silverado LS Crew Cab 2WD $272 $530 $428 $26 $128 $1,384 $115
Silverado LS Crew Cab 4WD $130 $266 $318 $18 $94 $826 $69
Silverado LT Crew Cab 2WD $236 $486 $412 $24 $124 $1,282 $107
Silverado LTZ Extended Cab 2WD $130 $266 $334 $20 $100 $850 $71
Silverado LTZ Extended Cab 4WD $226 $348 $368 $22 $110 $1,074 $90
Silverado LTZ Crew Cab 2WD $222 $396 $326 $20 $98 $1,062 $89
Silverado LTZ Crew Cab 4WD $248 $472 $290 $18 $86 $1,114 $93
Silverado Crew Cab Hybrid 2WD $222 $456 $290 $18 $86 $1,072 $89
Silverado Crew Cab Hybrid 4WD $210 $412 $264 $16 $80 $982 $82
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Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Price estimates do not factor in vehicle garaging location which can lower or raise coverage rates substantially.

How high should deductibles be?

The example below demonstrates how choosing different deductibles and can affect Chevrolet Silverado insurance costs for each different age category. The data assumes a single male driver, full physical damage coverage, and no discounts are factored in.

Car insurance rates are higher with tickets and accidents

The information below illustrates how traffic citations and fender-benders raise Chevrolet Silverado insurance prices for different age categories. The premiums assume a married female driver, full coverage, $100 deductibles, and no additional discounts are factored in.

Get cheap rates on Chevy Silverado insurance in Evansville with these car insurance discounts

Some insurers do not advertise every possible discount very well, so we researched some of the best known and the harder-to-find discounts that may be available.Discount car insurance

Please keep in mind that most credits do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears all those discounts means the company will pay you, you won't be that lucky. Any amount of discount will reduce the cost of your policy.

Some of the insurance companies that may offer policyholders some of the discounts shown above are:

When comparing rates, check with each company which discounts you may be entitled to. Discounts might not be offered on policies in every state. If you would like to see a list of providers that offer discounts in Indiana, click this link.

Learn How to Find Auto Insurance More Affordably

Many different elements are used when you get your auto insurance bill. Most are fairly basic such as traffic violations, but other criteria are not quite as obvious like your vehicle usage or your vehicle rating. Part of the auto insurance buying process is learning some of the elements that go into determining the level of your policy premiums. If you know what determines base rates, this allows you to make good choices that may result in much lower annual insurance costs.

The list below includes most of the major factors that factor into premiums.

Vehicles with better crash test results are cheaper to insure - Cars with high safety ratings tend to have lower insurance rates. The safest vehicles reduce occupant injuries and lower rates of occupant injuries means less money paid by your insurance company passed on to you as lower rates.

Prices can change based on your address - Choosing to live in less populated areas of the country is a positive aspect when insuring your vehicles. City drivers have to deal with much more traffic and more time behind the wheel. Fewer drivers and short commutes means fewer accidents and a lower car theft rate.

Only buy coverage you need - Insurance policies have a lot of extra add-on coverages that may not really be needed if you aren't diligent. Coverages for roadside assistance, better glass coverage, and motor club memberships are some examples. They may sound like good ideas when talking to your agent, but if you've never needed them in the past think about removing them and cutting costs.

You might have higher rates if you are single - Having a wife or husband helps lower the price on your auto insurance policy. Marriage may mean you are more stable financially and insurance companies like that drivers who are married are more cautious.

Occupation stress can make you pay more - Did you know your auto insurance rates can be affected by your occupation? Occupations like real estate brokers, air traffic controllers, and emergency personnel usually pay higher premium rates attributed to intense work situations and lots of time spent away from family. Other occupations like actors, students and performers have lower than average premiums.

Proper usage rating affects premiums - The more you drive your Chevy in a year's time the more it will cost to insure it. Many insurance companies rate vehicles based upon how the vehicle is primarily used. Cars and trucks used primarily for pleasure use can be on a lower rate level than vehicles that have high annual mileage. An improperly rated Silverado may be costing you. Ask your agent if your vehicle rating shows the proper vehicle usage, because it can save money.

Chevy Silverado insurance loss probability - Insurance companies include the past claim trends for vehicles to help determine costs. Vehicles that the data determines to have higher frequency or amount of claims will have a higher cost to insure. The table below illustrates the historical loss data for Chevy Silverado vehicles.

For each policy coverage, the claim probability for all vehicles, without regard to make or model, is a value of 100. Percentage values below 100 represent a good loss history, while percentage numbers above 100 show a trend for more claims or a tendency for losses to be larger than average.

Insurance Loss Ratings for Chevrolet Silverado Vehicles

Specific Chevrolet Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Chevrolet Silverado 1500 2WD 76 118 85 78 69 125
Chevrolet Silverado 1500 4WD 60 76 72 54
Chevrolet Silverado 1500 Crew Cab 2WD 89 103 131 77 70 94
Chevrolet Silverado 1500 Crew Cab 4WD 96 105 116 57 57 87
Chevrolet Silverado 1500 Ext Cab 2WD 90 126 100 88 85 117
Chevrolet Silverado 1500 Ext Cab 4WD 84 98 89 60 60 88
Chevrolet Silverado 2500 2WD 60 65
Chevrolet Silverado 2500 4WD 66 97 66
Chevrolet Silverado 2500 Crew Cab 2WD 76 127 65
Chevrolet Silverado 2500 Crew Cab 4WD 88 114 97 45 42 82
Chevrolet Silverado 2500 Ext Cab 2WD 80 54
Chevrolet Silverado 2500 Ext Cab 4WD 79 105 83 37 43 75
Chevrolet Silverado 3500 4WD 65
Chevrolet Silverado 3500 Crew Cab 4WD 98 127 108 54 39 76
Chevrolet Silverado 3500 Ext Cab 4WD 129 127

Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Neighborhood insurance agents

Certain consumers would prefer to talk to an insurance agent and often times that is recommended Professional agents are very good at helping people manage risk and help file insurance claims. The best thing about comparing rate quotes online is that drivers can save money and get the best rates and still choose a local agent.

Find insurance agent in EvansvilleOnce you complete this short form, the quote information is emailed to local insurance agents in Evansville who will give you quotes and help you find cheaper coverage. It makes it easy because there is no need to contact an agency because prices are sent to your email. If you want to quote rates from a particular provider, just go to their quote page and give them your coverage information.

Picking an provider is decision based upon more than just the premium amount. Here are some questions you should ask.

Two types of Evansville car insurance agents

When finding a reliable insurance agent, you must know there are a couple different types of agencies that you can select. Agents are categorized either exclusive or independent (non-exclusive). Both types can sell auto insurance policies, but it's a good idea to understand why they differ since it can impact the kind of agent you use.

Exclusive Agents

Exclusive agents can usually just insure with one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to compare rates from other companies so if the price isn't competitive there isn't much they can do. Exclusive agencies receive a lot of sales training in insurance sales which helps offset the inability to provide other markets. Drivers often buy from the same agent for years partially due to the brand and strong financial ratings.

Below is a short list of exclusive agencies in Evansville who may provide you with rate quotes.

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Independent Auto Insurance Agents

These agents are normally appointed by many insurers and that gives them the ability to insure through many companies and get you the best rates possible. If premiums increase, your policy is moved internally and you don't have to switch agencies.

If you are trying to find cheaper rates, it's recommended you include at a minimum one independent agency to have the most options to choose from. Many write coverage with different regional companies that many times have cheaper rates.

Below is a list of independent agencies in Evansville willing to provide price quote information.

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Smart shoppers get results

People who switch companies do it for a variety of reasons including policy cancellation, delays in responding to claim requests, high prices or even poor customer service. It doesn't matter why you want to switch finding a great new company is pretty easy and you might even save some money in the process.

You just learned many ideas to find affordable Chevy Silverado insurance in Evansville. It's most important to understand that the more providers you compare, the better likelihood of getting affordable Evansville auto insurance quotes. You may even discover the most savings is with the least-expected company.

Low-cost Chevy Silverado insurance in Evansville is definitely available from both online companies in addition to many Evansville insurance agents, and you should compare price quotes from both to get a complete price analysis. Some insurance providers don't offer online rate quotes and many times these regional insurance providers provide coverage only through independent insurance agencies.

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