Buying cheaper insurance for a Chevy Silverado is pretty easy for most people to do, but it relies on an enormous amount of rating factors such as whether you are married or single, whether or not you have prior claims, and any driving offenses on your record. Texas drivers will pay around $1,377 per year to insure their Silverado, but that price is an estimate based upon a 50-year-old single male driver with both comprehensive and collision coverage and $250 deductibles.
It’s more than likely you’re not a 50-year-old male, maybe you are married instead of single, or maybe you prefer to not insure for full coverage. Everyone has unique insurance needs, and this illustrates why the way we recommend to find cheap insurance rates for your Chevrolet is to compare as many rates as you can. To start saving now, get free quotes and you will receive prices from the cheapest companies in Texas.
The trim level of your vehicle has an effect on the coverage cost, so the rate you will pay to insure a Silverado LS Regular Cab 2WD will be $296 less than the price 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||$220||$420||$486||$28||$146||$1,300||$108|
|Silverado LS Regular Cab 4WD||$220||$420||$430||$26||$128||$1,224||$102|
|Silverado LT Regular Cab 2WD||$254||$512||$486||$28||$146||$1,426||$119|
|Silverado LT Regular Cab||$254||$512||$486||$28||$146||$1,426||$119|
|Silverado LS Extended Cab 4WD||$254||$512||$430||$26||$128||$1,350||$113|
|Silverado LT Extended Cab 4WD||$254||$512||$430||$26||$128||$1,350||$113|
|Silverado LT Extended Cab 2WD||$254||$512||$486||$28||$146||$1,426||$119|
|Silverado LS Extended Cab 2WD||$254||$512||$486||$28||$146||$1,426||$119|
|Silverado LT Crew Cab 4WD||$286||$602||$430||$26||$128||$1,472||$123|
|Silverado LS Crew Cab 2WD||$286||$602||$486||$28||$146||$1,548||$129|
|Silverado LS Crew Cab 4WD||$286||$602||$430||$26||$128||$1,472||$123|
|Silverado LT Crew Cab 2WD||$286||$602||$486||$28||$146||$1,548||$129|
|Silverado LTZ Extended Cab 2WD||$286||$602||$486||$28||$146||$1,548||$129|
|Silverado LTZ Extended Cab 4WD||$286||$602||$430||$26||$128||$1,472||$123|
|Silverado LTZ Crew Cab 2WD||$286||$602||$486||$28||$146||$1,548||$129|
|Silverado LTZ Crew Cab 4WD||$286||$602||$430||$26||$128||$1,472||$123|
|Silverado Crew Cab Hybrid 2WD||$286||$694||$430||$26||$128||$1,564||$130|
|Silverado Crew Cab Hybrid 4WD||$318||$694||$430||$26||$128||$1,596||$133|
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Information does not factor in your specific Corpus Christi location which can raise or lower rates noticeably.
Determining which companies quote the most affordable auto insurance rates for a Chevy Silverado will take a bit more effort in order to find the most economical policy.
Every auto insurer has a unique formula to determine rates, so let’s take a look at the auto insurance companies with the most affordable rates in Corpus Christi. It’s important to know that Corpus Christi, TX auto insurance rates are calculated based on many things which can significantly increase or decrease your annual premium. Simply having a birthday, buying a different home, or getting a reckless driving citation can cause premium changes resulting in some rates now being cheaper than competitors.
Lowest Insurance Price Quotes for Your Silverado Truck
|Rank||Company||Cost Per Year|
|3||Texas Farm Bureau||$1,235|
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Travelers quotes some of the most affordable car insurance rates in Corpus Christi at around $1,041 per year. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty would also be considered some of the lowest-priced Corpus Christi, TX car insurance companies.
In the above rates, if you are currently insured with California Casualty and switched to USAA, you could see a yearly savings of approximately $287. Insureds with Esurance might save as much as $312 a year, and Mercury customers might realize rate reductions of up to $411 a year.
It’s important to note that these premiums are averaged across all types of insureds and vehicles and do not factor in a specific location for a Chevy Silverado. So the company that can offer you the best price may not even be in the top 23 companies in the list above. That underscores the importance of why you need to get car insurance quotes using your own driver information and specific vehicle type.
Reckless driving habits raise Corpus Christi auto insurance rates
The best way to earn cheap auto insurance prices in Texas for a Silverado pickup is to be a cautious driver and avoid accidents and traffic citations. The information below shows how speeding tickets and at-fault fender-benders increase insurance rates for each age group. The premiums are based on a married male driver, full coverage, $1,000 deductibles, and no policy discounts are applied.
In the example above, the average cost of an auto insurance policy in Corpus Christi per year with no accidents or violations is $1,720. Add in one speeding ticket and the average cost increases to $1,983, an increase of $263 each year. Then throw in two accidents along with the one speeding ticket and the yearly cost of auto insurance for a Chevy Silverado increases to an average of $4,501. That’s an increase of $2,781, or $232 per month, just for being a little careless behind the wheel!
Compare rates to save
Corpus Christi, TX auto insurance rates are determined by lots of factors which can substantially change the cost of a policy. Improving your credit rating, buying a home instead of renting, or getting a ticket for careless driving can trigger changes in premium that may make certain companies cheaper than competitors. Additionally, companies change prices as often as every quarter in order to maintain liquidity for claims. Larger than normal claims can result in price increases, while lower claim levels may cause lower-priced Silverado insurance rates.
To illustrate this example, the graph below shows the company with the cheapest car insurance in Corpus Christi, TX for a 45-year-old male driver with a clean driving record, no accidents, and great credit. If we estimate rates based on his personal risk profile, Travelers might quote the lowest car insurance rates in Corpus Christi at $1,122 each year. This is $782 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the list of the top five cheapest Corpus Christi, TX auto insurance companies.
The next chart shows rates after we give the driver in the first example an at-fault accident, a lower credit rating, and a stop sign violation. Since each company has a unique approach for establishing rates, getting updated rate quotes could result in a significantly different list of the cheapest companies as shown below.
State Farm now has the cheapest rate in Corpus Christi with Mercury, USAA, Safe Auto, and Nationwide also being competitive. This example illustrates why Corpus Christi drivers need to compare as many rates as possible to find the best car insurance rates for a Chevy Silverado.
Auto insurance prices are calculated by many things and can change without notice, so the best company six months ago may now be wasting a lot of money.
The agencies below are willing to help you determine which coverages and limits you need, since lots of drivers aren’t clear which coverage they need and would like to have the advice of a professional agent when comparing insurance rates for a Silverado pickup. It’s not always easy to find the best rates on your own, so using a licensed agent can provide peace of mind knowing your policy gives you adequate coverage when you need it most.
To locate a Corpus Christi car insurance agency using an interactive map, click the button at the bottom or click here to compare price quotes.
- Ray Paiz – State Farm Insurance Agent
5425 S Padre Island Dr #122 – Corpus Christi, TX 78411 – (361) 993-3553
- GEICO Insurance Agent
6349 S Padre Island Dr – Corpus Christi, TX 78412 – (361) 992-4955
- Allstate Insurance: Jesse Trevino
4721 Bonner Dr Ste 101 – Corpus Christi, TX 78411 – (361) 986-1000