Cheapest Insurance for a Chevy Silverado in Stockton

It’s well known that insurance companies want to keep you from comparing prices. Insureds who shop for lower rates are likely to switch insurance companies because there are good odds of finding a policy with more affordable rates. Remarkably, a study showed that people who routinely shopped around saved an average of $865 annually as compared to drivers who never shopped around for lower prices.

If finding the cheapest price for Chevy Silverado insurance in Stockton is your ultimate objective, understanding how to shop and compare insurance rates can make it easier to find better rates.

Discount Chevy Silverado insuranceThe most effective way to get cheaper Chevy Silverado insurance is to make a habit of regularly comparing prices from different companies who provide auto insurance in Stockton.

  1. Try to understand what is in your policy and the measures you can take to keep rates low. Many factors that result in higher prices like tickets, at-fault accidents, and an imperfect credit score can be remedied by being financially responsible and driving safely. Continue reading for more details to prevent high rates and find missing discounts.
  2. Request price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from one company like GEICO or Allstate, while independent agencies can provide prices from many different companies.
  3. Compare the new quotes to the premium of your current policy to see if you can save by switching companies. If you can save money and buy the policy, make sure there is no lapse in coverage.
  4. Give notification to your agent or company to cancel your existing policy. Submit a down payment along with a signed application for the new coverage. Once the application is submitted, put the certificate verifying proof of insurance along with the vehicle’s registration papers.

One thing to point out is to compare the same deductibles and limits on every price quote and and to compare as many different companies as possible. This guarantees the most accurate price comparison and a good representation of prices.

Obtaining price quotes for the cheapest auto insurance in Stockton is actually quite simple. If you have coverage now or are looking for a new policy, you will benefit by learning to reduce premiums without having to cut coverage. Drivers just need to use the tricks to shop over the internet.

Getting cheaper Chevy Silverado car insurance pricing is actually easier than you may think. Drivers just need to invest a few minutes to get quotes from some recommended companies.

Comparing quotes online is fast and free, and it replaces the need to actually drive to different Stockton agent offices. Shopping for car insurance online can eliminate the need for a local agent unless you prefer the advice and guidance that only a licensed agent can provide. However, consumers can obtain prices from the web but purchase the actual policy in an agency.

The providers in the list below are our best choices to provide comparison quotes in California. If several companies are displayed, we suggest you get rate quotes from several of them to get the best price comparison.

These discounts can lower your car insurance quotes

Companies offering auto insurance do not list every discount very clearly, so we took the time to find a few of the more well known and also the more inconspicuous credits available to lower your premiums when you buy Stockton car insurance online.Save money with discounts

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. The majority will only reduce individual premiums such as liability and collision coverage. Despite the appearance that you could get a free car insurance policy, insurance companies wouldn’t stay in business.

The example below compares Chevy Silverado auto insurance costs with and without discounts applied. The premium estimates are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, homeowner, safe-driver, multi-car, and claim-free discounts applied.

To find insurers with discount rates in California, click here.

Rates and data analysis

The premium information displayed next outlines estimates of insurance policy prices for Chevy Silverado models. Learning as much as possible about how policy premiums are established is important for drivers to make smart choices when purchasing an insurance policy.

Chevrolet Silverado Insurance Rates in Stockton, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado LS Regular Cab 2WD $368 $694 $674 $40 $202 $1,978 $165
Silverado LS Regular Cab 4WD $368 $694 $596 $36 $178 $1,872 $156
Silverado LT Regular Cab 2WD $422 $844 $674 $40 $202 $2,182 $182
Silverado LT Regular Cab $422 $844 $674 $40 $202 $2,182 $182
Silverado LS Extended Cab 4WD $422 $844 $596 $36 $178 $2,076 $173
Silverado LT Extended Cab 4WD $422 $844 $596 $36 $178 $2,076 $173
Silverado LT Extended Cab 2WD $422 $844 $674 $40 $202 $2,182 $182
Silverado LS Extended Cab 2WD $422 $844 $674 $40 $202 $2,182 $182
Silverado LT Crew Cab 4WD $476 $996 $596 $36 $178 $2,282 $190
Silverado LS Crew Cab 2WD $476 $996 $674 $40 $202 $2,388 $199
Silverado LS Crew Cab 4WD $476 $996 $596 $36 $178 $2,282 $190
Silverado LT Crew Cab 2WD $476 $996 $674 $40 $202 $2,388 $199
Silverado LTZ Extended Cab 2WD $476 $996 $674 $40 $202 $2,388 $199
Silverado LTZ Extended Cab 4WD $476 $996 $596 $36 $178 $2,282 $190
Silverado LTZ Crew Cab 2WD $476 $996 $674 $40 $202 $2,388 $199
Silverado LTZ Crew Cab 4WD $476 $996 $596 $36 $178 $2,282 $190
Silverado Crew Cab Hybrid 2WD $476 $1146 $596 $36 $178 $2,432 $203
Silverado Crew Cab Hybrid 4WD $530 $1146 $596 $36 $178 $2,486 $207
Get Your Own Custom Quote Go

Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Premium costs do not factor in specific garaging location which can increase or decrease prices significantly.

Responsible drivers pay cheaper Stockton car insurance rates

The illustration below demonstrates how traffic citations and at-fault claims impact Chevy Silverado yearly insurance costs for different age categories. The rate quotes are based on a married female driver, full coverage, $500 deductibles, and no discounts are factored in.

Do you need full coverage?

The diagram below visualizes the comparison of Chevy Silverado auto insurance costs with full coverage and liability only. The prices are based on no claims or driving citations, $500 deductibles, single status, and no discounts are factored in.

Deciding between full coverage and liability only

There is no definitive formula for dropping physical damage insurance, but there is a broad guideline. If the yearly cost for physical damage coverage is about 10% or more of replacement cost minus your deductible, then you may need to consider dropping full coverage.

For example, let’s say your Chevy Silverado claim settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $8,000 after the deductible is paid. If you are paying more than $800 annually for your policy with full coverage, then you may want to consider only buying liability coverage.

There are a few cases where only buying liability is not financially feasible. If you haven’t satisfied your loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should not drop full coverage.

Why Smart Buyers Pay Less for Chevy Silverado Insurance

Part of the insurance buying process is learning the factors that come into play when calculating your premiums. If you know what influences your rates, this allows you to make good choices that may reward you with big savings. Lots of factors are part of the equation when you quote your car insurance policy. Some factors are common sense such as your driving history, but other factors are less apparent such as your credit history or how safe your car is.

You might want pay the small claims yourself – Auto insurance companies in California provide cheaper rates to people who only file infrequent claims. If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for larger claims.

Decrease prices by maintaining coverage – Allowing your coverage to lapse is a guaranteed way to increase your renewal premiums. And not only will insurance be more expensive, failure to provide proof of insurance might get you a revoked license or a big fine.

Do you know your physical damage deductibles? – Physical damage protection, otherwise known as comp (or other than collision) and collision, protects your Chevy from damage. Some examples of covered claims are a dented fender, hail damage, and windstorm damage. Deductibles for physical damage are how much you are willing to pay if you file a covered claim. The more money you pay before a claim is paid (deductible), the lower your rates will be.

Marriage is a factor – Getting married can get you a discount when shopping for insurance. It generally demonstrates drivers are more mature than a single person and it’s statistically proven that married couples file fewer claims.

Lower performance equals lower insurance premiums – The performance of the car or truck you drive makes a substantial difference in your rates. The cheapest rates will normally be found when insuring small economy passenger cars, but many other things help determine your insurance rates.

The chart below uses these assumptions: married female driver age 50, full coverage with $100 deductibles, and no discounts or violations. It shows Chevrolet Silverado rates compared to other makes and models that have different performance rating factors.

Rates increase with policy add-ons – There are quite a few extra add-on coverages you can purchase if you aren’t careful. Coverages like coverage for rental cars, accidental death, and motor club memberships are some examples. They may sound like good ideas when you first buy your policy, but your needs may have changed so think about removing them and cutting costs.

Do you have a demanding vocation? – Jobs such as lawyers, police officers, and financial analysts are shown to have higher rates than the rest of us in part from high stress and incredibly demanding work hours. Other occupations such as actors, historians and retirees pay lower than average rates.

Insurance loss data for a Chevy Silverado – Insurance companies include the past claim trends for vehicles when setting rates for each model. Vehicles that statistically have increased claim numbers or amounts will have higher rates for specific coverages.

The table below shows the insurance loss data used by companies for Chevy Silverado vehicles. For each insurance policy coverage type, the statistical loss for all vehicles, as a total average, is equal to 100. Numbers that are below 100 mean the vehicle has better than average losses, while numbers above 100 point to more frequent losses or a tendency for losses to be larger than average.

Car Insurance Loss Data for Chevrolet Silverado Models
Vehicle 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