Chevy Silverado Insurance Rates in San Antonio

Insurance quote for Chevy Silverado in San AntonioDo you want to learn to get lower-priced insurance rates in San Antonio, TX? San Antonio consumers have many options when looking for the best price on Chevy Silverado insurance. You can either spend your time driving around trying to get quotes or utilize the internet to compare rates.

There is a right way and a wrong way to buy insurance so you’re going to learn the absolute fastest way to compare rates on a Chevy and obtain the lowest possible price.

Affordable companies for Chevy Silverado insurance

The companies shown below offer free rate quotes in Texas. If multiple providers are shown, we recommend you visit two to three different companies in order to find the lowest rates.

Detailed insurance information

The rate table shown next outlines estimates of insurance prices for Chevy Silverado models. Learning how insurance policy premiums are determined is important for drivers to make smart choices when purchasing an auto insurance policy.

Chevrolet Silverado Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado LS Regular Cab 2WD $318 $598 $582 $34 $174 $1,706 $142
Silverado LS Regular Cab 4WD $318 $598 $514 $30 $154 $1,614 $135
Silverado LT Regular Cab 2WD $364 $728 $582 $34 $174 $1,882 $157
Silverado LT Regular Cab $364 $728 $582 $34 $174 $1,882 $157
Silverado LS Extended Cab 4WD $364 $728 $514 $30 $154 $1,790 $149
Silverado LT Extended Cab 4WD $364 $728 $514 $30 $154 $1,790 $149
Silverado LT Extended Cab 2WD $364 $728 $582 $34 $174 $1,882 $157
Silverado LS Extended Cab 2WD $364 $728 $582 $34 $174 $1,882 $157
Silverado LT Crew Cab 4WD $410 $858 $514 $30 $154 $1,966 $164
Silverado LS Crew Cab 2WD $410 $858 $582 $34 $174 $2,058 $172
Silverado LS Crew Cab 4WD $410 $858 $514 $30 $154 $1,966 $164
Silverado LT Crew Cab 2WD $410 $858 $582 $34 $174 $2,058 $172
Silverado LTZ Extended Cab 2WD $410 $858 $582 $34 $174 $2,058 $172
Silverado LTZ Extended Cab 4WD $410 $858 $514 $30 $154 $1,966 $164
Silverado LTZ Crew Cab 2WD $410 $858 $582 $34 $174 $2,058 $172
Silverado LTZ Crew Cab 4WD $410 $858 $514 $30 $154 $1,966 $164
Silverado Crew Cab Hybrid 2WD $410 $988 $514 $30 $154 $2,096 $175
Silverado Crew Cab Hybrid 4WD $458 $988 $514 $30 $154 $2,144 $179
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in the specific area where the vehicle is garaged which can decrease or increase price quotes significantly.

Age-based auto insurance rates by gender

The example below visualizes the comparison of Chevy Silverado insurance costs for male and female drivers. The information is based on no tickets, no at-fault accidents, full coverage, $500 deductibles, drivers are single, and no discounts are applied.

Comparison of full coverage and liability-only policies

The information below illustrates the comparison of Chevy Silverado car insurance costs with full physical damage coverage compared to only buying liability only. The information is based on no claims, a clean driving record, $250 deductibles, single status, and no discounts are applied to the premium.

Are you wasting money on full coverage?

There isn’t a steadfast formula for eliminating comp and collision coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is more than around 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let’s pretend your Chevy Silverado settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, you would only receive $5,000 after paying your policy deductible. If premium cost is more than $500 a year for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are some circumstances where buying only liability insurance is not a good plan. If you haven’t satisfied your loan, you have to carry full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage on your policy.

Decisions You Make Can Impact Your Insurance Rates

When buying insurance it’s important to understand some of the factors that help determine your premiums. When consumers understand what determines premiums, this enables you to make decisions that can earn you lower rates.

The itemized list below are just a few of the factors insurance companies consider when setting prices.

Verify you’re receiving every discount

Some insurance providers do not list every discount very clearly, so the list below gives a summary of some of the more common and also the lesser-known credits available to you. If you’re not getting every credit available, you may be paying too high a price.Car insurance discounts

Drivers should understand that most discount credits are not given to all coverage premiums. Some only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like you can get free auto insurance, it’s just not the way it works.

The chart below compares Chevy Silverado auto insurance costs with and without discounts applied to the premium. The data is based on a male driver, no claims or violations, Texas state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, safe-driver, claim-free, homeowner, and multi-policy discounts applied.

A few popular companies and some of their more popular discounts are outlined below.

It’s a good idea to ask each company or agent what discounts are available to you. Some discounts listed above may not apply to policies in San Antonio. To choose companies that have a full spectrum of discounts in San Antonio, click here.

What if I want to buy from local San Antonio insurance agencies?

Some consumers would rather get professional advice from a licensed agent and that is OK! Licensed agents are highly skilled in risk management and help submit paperwork. One of the great benefits of comparing rates online is that you can find lower premium rates but still work with a licensed agent. Putting coverage with local insurance agents is important particularly in San Antonio.

San Antonio insurance agentsTo find an agent, once you fill out this short form, your insurance data is submitted to participating agents in San Antonio that can give you free San Antonio car insurance quotes for your insurance coverage. You won’t even need to search for an agent due to the fact that quote results will go to you directly. If you need to compare rates for a specific company, just go to their quote page and fill out their quote form.

If you want to buy insurance from a reliable insurance agency, it helps to know the two different types of agents and how they differ in how they quote coverages. Agents in San Antonio are classified as either independent agents or exclusive agents. Both can provide insurance policies, but it’s worth learning why they differ because it can factor into your agent selection.

Independent Insurance Agents

Independent insurance agents are not employed by any specific company so as a result can place your coverage with a variety of different insurance companies and potentially find a lower price. If you want to switch companies, your agent can switch companies and you stay with the same agent.

When comparing insurance rates, you absolutely need to compare prices from a few independent agents for the best price selection. Many can place coverage with small regional insurance companies that can offer cheaper rates than bigger companies.

Listed below is a short list of independent insurance agents in San Antonio who can help you get cheap rate quotes.

View more San Antonio agents

Exclusive Insurance Agents

Agents that choose to be exclusive work for only one company and some examples include Allstate, State Farm and Farmers Insurance. These agents are not able to provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive agents receive extensive training on their company’s products and that allows them to sell at a higher price point. Drivers often buy insurance from these agents primarily because of the prominence of the brand rather than having the cheapest rates.

Shown below are San Antonio exclusive agencies that can give you price quotes.

View more San Antonio agents

Finding the right car insurance agent requires you to look at more than just a cheap price. The questions below may impact your decision as well.

Upon getting positive responses in addition to an acceptable price estimate, it’s a good possibility that you have found an auto insurance agent that can be trusted to service your policy.

Cheaper insurance premiums are out there

Consumers who switch companies do it for many reasons like high prices, unfair underwriting practices, extreme rates for teen drivers or even not issuing a premium refund. No matter why you want to switch, finding a new company is easier than you think.

When you buy San Antonio car insurance online, make sure you don’t reduce needed coverages to save money. There have been many cases where an insured cut liability limits or collision coverage to discover at claim time that the small savings ended up costing them much more. The goal is to find the BEST coverage at the best cost, but do not skimp to save money.

Lower-priced insurance in San Antonio is definitely available both online and with local San Antonio insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance providers may not have the ability to get a quote online and usually these smaller companies only sell coverage through independent agents.

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