Buying the best cheap insurance for a Chevy Silverado in Arizona doesn’t take a ton of time, but it hinges on a lot of things such as how you use your Silverado, your occupation, and any prior driving citations you have received. Arizona drivers pay on average $988 annually to insure their Silverado, but that price is an estimation based on a 50-year-old married female driver with both comprehensive and collision coverage and $100 deductibles.
When making auto insurance estimates, the issue arises that you aren’t exactly 50 years old or even a female, possibly single instead of married, or maybe you don’t qualify for the same discounts. Even a minor difference in rating criteria may result in significant differences in how much coverage for a Chevy Silverado costs.
There is no perfect policy for every driver, so the best method for finding cheap insurance prices for your Chevrolet is to just compare rates yourself.
The trim level of your vehicle has an effect on the coverage cost, so the rate you pay to insure a Silverado LS Regular Cab 2WD will be $232 cheaper than the cost to insure the more well-appointed Silverado Crew Cab Hybrid 4WD trim level, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Silverado LS Regular Cab 2WD||$174||$318||$318||$18||$96||$924||$77|
|Silverado LS Regular Cab 4WD||$174||$318||$282||$16||$84||$874||$73|
|Silverado LT Regular Cab 2WD||$198||$386||$318||$18||$96||$1,016||$85|
|Silverado LT Regular Cab||$198||$386||$318||$18||$96||$1,016||$85|
|Silverado LS Extended Cab 4WD||$198||$386||$282||$16||$84||$966||$81|
|Silverado LT Extended Cab 4WD||$198||$386||$282||$16||$84||$966||$81|
|Silverado LT Extended Cab 2WD||$198||$386||$318||$18||$96||$1,016||$85|
|Silverado LS Extended Cab 2WD||$198||$386||$318||$18||$96||$1,016||$85|
|Silverado LT Crew Cab 4WD||$224||$456||$282||$16||$84||$1,062||$89|
|Silverado LS Crew Cab 2WD||$224||$456||$318||$18||$96||$1,112||$93|
|Silverado LS Crew Cab 4WD||$224||$456||$282||$16||$84||$1,062||$89|
|Silverado LT Crew Cab 2WD||$224||$456||$318||$18||$96||$1,112||$93|
|Silverado LTZ Extended Cab 2WD||$224||$456||$318||$18||$96||$1,112||$93|
|Silverado LTZ Extended Cab 4WD||$224||$456||$282||$16||$84||$1,062||$89|
|Silverado LTZ Crew Cab 2WD||$224||$456||$318||$18||$96||$1,112||$93|
|Silverado LTZ Crew Cab 4WD||$224||$456||$282||$16||$84||$1,062||$89|
|Silverado Crew Cab Hybrid 2WD||$224||$524||$282||$16||$84||$1,130||$94|
|Silverado Crew Cab Hybrid 4WD||$250||$524||$282||$16||$84||$1,156||$96|
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Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rate quotes do not factor in garaging location in Scottsdale which can impact price quotes substantially.
Finding dependable, reasonably-priced insurance is not easy, and deciding which company has the lowest-priced car insurance rates for a Chevy Silverado may require even more diligence. Each company uses a little different formula to establish rates, so let’s begin by examining the car insurance companies with the overall cheapest rates in Scottsdale.
It’s important that readers know that Scottsdale, AZ car insurance rates are impacted by many things which can significantly increase or decrease the cost of having a policy. Events like turning one year older, having a teenage driver, or having an at-fault accident may prompt premium changes that may make certain companies more expensive than competitors.
Find Cheaper Car Insurance for Your Silverado Truck
The Hartford quotes some of the most affordable car insurance rates in Scottsdale at around $845 each year. Safeco, Auto-Owners, Travelers, and USAA also qualify as some of the cheaper Scottsdale, AZ insurance companies.
As shown in the rates above, if you currently buy coverage from Safeco and switched to The Hartford, you could earn a yearly price reduction of upwards of $51. Policyholders with Auto-Owners could save as much as $52 a year, and Travelers customers might cut rates by $230 a year.
To find out how much you can save, click here to start a quote or quote rates from the companies below.
Remember that these estimates are averages for all drivers and vehicles in Arizona and do not take into consideration a specific vehicle garaging location for a Chevy Silverado. So the company that fits you best may not even be in the top 28 companies in the list above. That’s why you need to compare as many prices as possible using your own specific driver and vehicle information.
Responsible drivers pay cheaper Scottsdale car insurance rates
The recommended way to maintain good car insurance premiums in Arizona for a Silverado pickup is to drive carefully and maintain a clean driving record. The illustration below demonstrates how speeding tickets and accident claims increase auto insurance rates for each age group. The data is based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.
The data in the chart shows the average cost of auto insurance per year with a clean driving record and no accidents is $1,224. Receive one speeding ticket and the average cost swells to $1,428, an increase of $204 each year. Now get two accidents along with the one speeding ticket and the annual cost of car insurance for a Chevy Silverado jumps again to an average of $3,299. That’s an increase of $2,075, or $173 per month, just for being a little careless behind the wheel!
Discount Scottsdale auto insurance rates
Insurance companies that provide coverage for a Chevy Silverado may also give you discounts that could lower prices by as much as 35% if you are eligible. Companies and a partial list of their discounts can be read below.
- American Family may include discounts for early bird, mySafetyValet, accident-free, multi-vehicle, defensive driver, air bags, and Steer into Savings.
- Nationwide offers premium reductions for defensive driving, business or organization, good student, multi-policy, family plan, anti-theft, and accident-free.
- MetLife has savings for accident-free, claim-free, good student, good driver, multi-policy, and defensive driver.
- 21st Century may have discounts that include teen driver, early bird, student driver, good student, defensive driver, and homeowners.
- Farmers Insurance policyholders can earn discounts including youthful driver, multi-car, teen driver, pay in full, homeowner, good student, and mature driver.
- Allstate offers discounts for defensive driver, utility vehicle, premier discount, premier plus, auto/life discount, and safe driver.
The chart below shows the comparison of insurance prices with and without discounts applied to the policy premium. The rate quotes are based on a female driver, no violations or claims, Arizona state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with multiple vehicle, accident-free, multiple policy, passive restraint, marriage, and homeowner discounts applied. When taking advantage of discounts, the average amount saved each year on car insurance for a Chevy Silverado is 28% or $427.
The professional agents shown below can help you make a decision which auto insurance policy would work best for you, since some drivers have questions and prefer to get some professional advice when shopping for cheaper insurance for a Chevy Silverado. It can be difficult to find the best coverage on your own, so getting advice from a licensed Arizona insurance agent can provide you satisfaction knowing your policy gives you sufficient coverage for your assets. To find a Scottsdale insurance agent close to you, click the button after the list or click here to compare price quotes now.
Shar Roos – State Farm Insurance Agent
9393 N 90th St Ste 108C – Scottsdale, AZ 85258 – (480) 478-6968
Scott Knudten – State Farm Insurance Agent
14702 N Frank Lloyd Wright Blvd – Scottsdale, AZ 85260 – (480) 948-8771
Brad Dunlap – State Farm® Insurance Agent
8436 E Shea Blvd c103 – Scottsdale, AZ 85260 – (480) 661-0801
Robert Smith – State Farm Insurance Agent
7505 E 6th Ave Ste 204 – Scottsdale, AZ 85251 – (480) 588-6456
How to find cheaper car insurance for a Chevy Silverado
The list below shows many penny-pinching ideas that can help drivers find lower-cost auto insurance.
- The safer your car, the less it costs to insure
- Pay less by remaining claim-free
- Clean up your credit rating
- Prevent rate increases by staying accident-free
- Do not get tickets
- Compare price quotes at least once a year
That last idea is extremely necessary, as was discussed in this article. Insurance rates go up and down frequently, so you should be ready to buy from a different company if you can find a cheaper rate. Having a favorite company is great, but it isn’t a good idea if that devotion results in you overpaying big bucks every year. If you have a few minutes, compare prices and find cheaper car insurance for a Chevy Silverado in Scottsdale.