How 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.
|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.
- Early Signing - Some car insurance companies give discounts for switching policies early. Ten percent is about the average savings.
- Discount for Life Insurance - Insurance companies who offer life insurance give a break if you buy life insurance.
- Paperless Signup - Many insurance companies may give you up to $50 for buying your policy on the internet.
- 55 and Retired - Drivers that qualify as senior citizens may be able to get better car insurance rates.
- Safety Restraint Discount - Buckling up and requiring all passengers to buckle up could cut 10% or more off the personal injury premium cost.
- Multi-policy Discount - When you have multiple policies with the same insurance company you could get a discount of up to 20% and get you inexpensive Chevrolet Silverado insurance in Evansville.
- Own a Home - Owning a house in Evansville can save you money since owning and maintaining a home means you have a higher level of financial diligence.
- Early Payment Discounts - If you pay your entire premium ahead of time rather than spreading payments over time you can avoid the installment charge.
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.
Once 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.
- Are they primarily personal or commercial lines agents in Evansville?
- What is the agency's Better Business Bureau rating?
- Do they get paid more for recommending certain coverages?
- Are they in the agency full-time?
- Where would your vehicle be repaired?
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 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.
- Allstate Insurance: David Key
2215 W Franklin St - Evansville, IN 47712 - (812) 421-1925 - View Map
- Shelter Insurance - Dora Feagley
5401 Vogel Rd #610 - Evansville, IN 47715 - (812) 422-4696 - View Map
- Indiana Farm Bureau Insurance
445 N Cross Pointe Blvd # 120 - Evansville, IN 47715 - (812) 479-9902 - View Map
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.
- Lancaster Insurance Agency
658 S Green River Rd - Evansville, IN 47715 - (812) 477-8883 - View Map
- Gaslin Insurance Agency
2015 Stringtown Rd - Evansville, IN 47711 - (812) 425-1351 - View Map
- Schultheis Insurance
32 N Weinbach Ave - Evansville, IN 47711 - (812) 479-8651 - View Map
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.
More learning opportunities
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- Who Has Affordable Auto Insurance for Low Income Drivers in Indiana? (FAQ)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Teen Driving and Texting (State Farm)