Compare Chevy Silverado Insurance Rates in Philadelphia

Insurance rates Chevy Silverado in PhiladelphiaWould you like to stop overpaying and find more competitive auto insurance rates in Philadelphia, PA? Philadelphia drivers have lots of choices when trying to find the best price on Chevy Silverado insurance. You can either waste hours calling around trying to get quotes or save time using the internet to find the lowest rates.

There is a better way to buy auto insurance and you need to know the proper way to compare rates for your Chevy and locate the cheapest rates from Philadelphia insurance agents and online providers.

Consumers need to price shop coverage once or twice a year because prices trend upward over time. Even if you got the best deal on Chevy Silverado insurance in Philadelphia a year ago a different company probably has better premium rates today. Block out anything you think you know about auto insurance because we’re going to show you the best way to find better rates and still maintain coverage.

Cutting your Philadelphia insurance rates is not rocket science. You just need to invest a few minutes comparing rate quotes online with multiple companies.

The providers in the list below provide price comparisons in Philadelphia, PA. If several companies are displayed, we recommend you visit as many as you can in order to get a fair rate comparison.

Car insurance policy discounts for Chevy Silverado insurance in Philadelphia

The price of auto insurance can be rather high, but you might be missing out on some discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at quote time, but some must be asked for before they will apply. If you do not check that you are getting every discount available, you are not getting the best rate possible.Car insurance discounts

Drivers should understand that many deductions do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

The diagram below compares Chevy Silverado insurance costs with and without some available policy discounts. The rates are based on a female driver, no accidents, no driving violations, Pennsylvania state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, homeowner, marriage, claim-free, and multi-car discounts applied.

To choose car insurance companies who offer car insurance discounts in Pennsylvania, click here.

Insurance statistics for a Chevy Silverado

The coverage information shown next outlines estimates of insurance policy prices for Chevy Silverado models. Having a better idea how auto insurance prices are established is important for drivers to make smart buying decisions.

Chevrolet Silverado Insurance Rates in Philadelphia, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado LS Regular Cab 2WD $118 $218 $390 $24 $116 $866 $72
Silverado LS Regular Cab 4WD $118 $218 $346 $20 $104 $806 $67
Silverado LT Regular Cab 2WD $136 $264 $390 $24 $116 $930 $78
Silverado LT Regular Cab $136 $264 $390 $24 $116 $930 $78
Silverado LS Extended Cab 4WD $136 $264 $346 $20 $104 $870 $73
Silverado LT Extended Cab 4WD $136 $264 $346 $20 $104 $870 $73
Silverado LT Extended Cab 2WD $136 $264 $390 $24 $116 $930 $78
Silverado LS Extended Cab 2WD $136 $264 $390 $24 $116 $930 $78
Silverado LT Crew Cab 4WD $152 $312 $346 $20 $104 $934 $78
Silverado LS Crew Cab 2WD $152 $312 $390 $24 $116 $994 $83
Silverado LS Crew Cab 4WD $152 $312 $346 $20 $104 $934 $78
Silverado LT Crew Cab 2WD $152 $312 $390 $24 $116 $994 $83
Silverado LTZ Extended Cab 2WD $152 $312 $390 $24 $116 $994 $83
Silverado LTZ Extended Cab 4WD $152 $312 $346 $20 $104 $934 $78
Silverado LTZ Crew Cab 2WD $152 $312 $390 $24 $116 $994 $83
Silverado LTZ Crew Cab 4WD $152 $312 $346 $20 $104 $934 $78
Silverado Crew Cab Hybrid 2WD $152 $358 $346 $20 $104 $980 $82
Silverado Crew Cab Hybrid 4WD $170 $358 $346 $20 $104 $998 $83
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Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Premium costs do not factor in Philadelphia location which can alter coverage rates substantially.

Chevrolet Silverado liability rates compared to full coverage

The example below visualizes the comparison of Chevy Silverado premium costs with liability coverage only compared to full coverage. The costs are based on no claims or violations, $250 deductibles, drivers are single, and no discounts are applied.

When to drop comprehensive and collision

There is no set rule to delete physical damage insurance, but there is a guideline you can consider. If the yearly cost of full coverage is more than about 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

For example, let’s pretend your Chevy Silverado replacement cost is $3,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $2,000 after paying your policy deductible. If you are paying in excess of $200 a year for full coverage, then you may want to consider only buying liability coverage.

There are some cases where buying only liability insurance is not financially feasible. If you still have a lienholder on your title, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not consider dropping full coverage.

What if I want to buy from local Philadelphia insurance agents?

A lot of people would rather talk to a local agent. Professional agents can help you build your policy and help you file claims. An additional benefit of comparing insurance prices online is the fact that you can find cheap rate quotes and still buy from a local agent. Buying from and supporting neighborhood insurance agencies is especially important in Philadelphia.

To find an agent, once you fill out this short form, the quote information is sent to local insurance agents that give free quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to drive around due to the fact that quote results will go directly to you. If you want to compare rates from a specific car insurance provider, feel free to navigate to their website and fill out their quote form.

When finding a local agent, there are two different types of agents to choose from. Car insurance agencies can be classified as either independent (non-exclusive) or exclusive. Either can handle car insurance, but it’s good to learn the difference in the companies they write for since it may influence the type of agent you choose.

Independent Agencies or Brokers

These type of agents are not required to write business for one company and that enables them to quote your coverage with an assortment of companies and help determine which has the cheapest rates. If prices rise, they simply move the coverage in-house without you having to go to a different agency.

When comparing rates, it’s a good idea to get some free quotes from a couple of independent agencies in order to have the best price comparison. Many write coverage with small mutual carriers which may have better rates.

Listed below is a list of independent insurance agents in Philadelphia that may be able to give you price quote information.

More insurance agents

Exclusive Car Insurance Agencies

Agents of this type can only quote rates from one company such as AAA, State Farm, Farmers Insurance, and Allstate. These agents are unable to compare rates from other companies so it’s a take it or leave it situation. They are usually well trained on their company’s products and that can be a competitive advantage. Some insured continue to buy insurance from these agents primarily because of high brand loyalty rather than low price.

Below is a list of exclusive insurance agencies in Philadelphia that can give you price quotes.

More insurance agents

Finding the right auto insurance agent requires you to look at more than just a cheap quote. Any agent in Philadelphia should be forthright in answering these questions:

How do I know if I need professional advice?

When quoting and comparing a policy for your vehicles, there really is no cookie cutter policy. Everyone’s situation is unique.Higher deductibles save money

For example, these questions might point out if you may require specific advice.

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Eight Things That Impact Your Insurance Premiums

Many things are used when you quote your car insurance policy. Some are obvious such as traffic violations, but some are more transparent like your vehicle usage and annual miles driven. An important part of buying insurance is that you know some of the elements that go into determining your premiums. When consumers understand what impacts premium levels, this empowers consumers to make smart changes that will entitle you to big savings.

Auto insurance just makes sense

Even though it can be expensive, maintaining insurance is required for several reasons.

The benefits of carrying enough insurance more than cancel out the cost, especially with large liability claims. But the average American driver is overpaying over $750 every year so compare rates once a year at a minimum to help ensure money is not being wasted.

Persistence will pay off

Budget-friendly insurance in Philadelphia is possible on the web and from local insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some companies don’t offer the ability to get a quote online and these regional insurance providers prefer to sell through local independent agents.

People switch companies for a number of reasons such as policy cancellation, poor customer service, being labeled a high risk driver and even high rates after DUI convictions. No matter why you want to switch, choosing a new company is not as hard as you think.

When searching for affordable Chevrolet Silverado insurance quotes, never sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice comprehensive coverage or liability limits and learned later that it was a big mistake. The goal is to purchase a proper amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

Additional insurance information can be found on the following sites: