To save the most money, the best way to find low-cost prices for Chevy Silverado insurance in Corpus Christi is to compare prices at least once a year from providers who sell auto insurance in Texas.
- First, spend some time learning about how auto insurance works and the measures you can take to prevent expensive coverage. Many risk factors that cause high rates such as at-fault accidents, speeding tickets, and an unfavorable credit rating can be eliminated by making small lifestyle or driving habit changes.
- Second, quote rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO and State Farm, while independent agents can quote prices for a wide range of companies. View insurance agents
- Third, compare the new rate quotes to the premium of your current policy to see if a cheaper rate is available in Corpus Christi. If you find a lower rate quote and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Fourth, provide notification to your current company of your intent to cancel your current policy and submit a down payment and signed policy application to the new company. As soon as you can, put the proof of insurance certificate along with your vehicle registration.
A valuable tip to remember is that you use the same amount of coverage on each quote request and and to analyze as many different companies as possible. Doing this ensures an apples-to-apples comparison and the best price selection.
Shockingly, a large majority of drivers in Texas have purchased from the same company for at least four years, and approximately 40% of consumers have never even compared quotes to find cheaper rates. American consumers can cut their rates by approximately $850 a year by just comparing rate quotes, but most tend to underestimate the amount of savings they would get if they switched to a cheaper policy.
The easiest way to compare car insurance company rates for Chevy Silverado insurance in Corpus Christi is to realize auto insurance companies allow for online access to give free rates quotes. The one thing you need to do is provide a small amount of information including driver details, marital status, how much you drive, and coverage limits. Your insurance information is automatically sent to multiple auto insurance providers and they provide comparison quotes almost instantly.
If you would like to start a quote now, click here and enter the information requested.
The providers in the list below are our best choices to provide free rate quotes in Texas. If you wish to find the best cheap car insurance in TX, it's a good idea that you visit two to three different companies to get the best price comparison.
The coverage information shown below covers estimates of coverage prices for Chevy Silverado models. Having a better idea how premiums are determined is important for drivers to make smart choices when buying a policy.
|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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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Table data does not factor in specific location information which can modify prices considerably.
How careless driving impacts insurance rates
The example below shows how traffic citations and at-fault accidents can drive up Chevy Silverado auto insurance costs for each age group. The premium estimates are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are applied.
Chevrolet Silverado liability-only versus full coverage
The information below shows the difference between Chevy Silverado annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no claims, a clean driving record, $1,000 deductibles, drivers are not married, and no other discounts are factored in.
Should you buy full coverage or liability only?
There is no definitive guideline of when to stop paying for physical damage insurance, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.
For example, let's pretend your Chevy Silverado replacement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $4,000 after paying your deductible. If you are paying in excess of $400 annually for full coverage, then it may be the right time to buy liability only.
There are a few cases where eliminating full coverage is not advised. If you still have a lienholder on your title, you are required to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should keep full coverage on your policy.
Why insurance is not optional
Even though Corpus Christi Silverado insurance rates can get expensive, buying insurance is required in Texas but also provides important benefits.
First, most states have minimum mandated liability insurance limits which means you are required to carry a minimum amount of liability in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you took out a loan on your Silverado, it's most likely the lender will force you to carry insurance to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank may buy a policy for your Chevy at a much higher rate and require you to reimburse them for the expensive policy.
Third, insurance protects not only your Chevy Silverado but also your financial assets. It will also reimburse you for all forms of medical expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also covers legal expenses in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.
The benefits of carrying enough insurance are without a doubt worth the cost, particularly if you ever have a claim. The average driver in America is currently overpaying as much as $850 per year so smart consumers compare quotes once a year at a minimum to ensure rates are inline.
What Affects Chevy Silverado Insurance Prices?
Many different elements are part of the calculation when pricing auto insurance. A few of the factors are predictable such as traffic violations, but other factors are more obscure like your vehicle usage or your vehicle rating. It's important that you understand some of the things that come into play when calculating the price you pay for auto insurance. When consumers understand what positively or negatively impacts your premiums, this enables you to make decisions that could help you find much lower annual insurance costs.
Responsible credit means lower rates - Credit rating can be a huge factor in determining your rates. If your credit history can use some improvement, you may save money insuring your Chevrolet Silverado by repairing your credit. Drivers with excellent credit scores tend to file fewer claims and have better driving records than those with lower ratings.
Youthful driver insurance prices - Older drivers have been proven to be more responsible, tend to file fewer claims, and tend to be get fewer driving tickets. Inexperience drivers have been known to be less responsible when driving and because of this, their auto insurance rates are much higher.
The following data is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.
Never let your auto insurance policy lapse - Not having insurance is a big no-no and you will pay a penalty because you let your insurance coverage expire. In addition to paying higher premiums, getting caught without coverage will get you fines and jail time. You may need to submit proof of financial responsibility or a SR-22 with the Texas department of motor vehicles.
Women pay lower rates - Over the last 30 years, statistics show that women are safer drivers than men. The data does not necessarily mean that females are better at driving than males. Both genders are in fender benders in similar numbers, but the male of the species tend to have higher claims. Men also statistically get more serious tickets such as DWI and reckless driving. Young males have the highest risk to insure and are penalized with high auto insurance rates.
The information below compares Chevy Silverado insurance premiums for male and female drivers. The premiums assume no claims, a clean driving record, comp and collision included, $250 deductibles, single status, and no discounts are factored in.
Only buy extra coverages you need - There are a lot of extra coverages that you can get tricked into buying but may not be useful. Add-on coverages like personal injury protection, accidental death, and motor club memberships may be wasting your money. They may seem like a good idea at first, but if you don't need them get rid of them and save.
Vehicles with better crash test results save money - Vehicles with good safety scores cost less to insure. Safer cars have better occupant injury protection and better occupant protection means your insurance company pays less and more competitive rates for policyholders. If your Chevy is rated at least an "acceptable" rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
Deter theft and save money - Choosing to buy a car with advanced anti-theft systems can get you a discount on your auto insurance. Theft deterrent systems such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent vehicle theft.
File claims and pay more - If you frequently file small claims, you can expect increased rates or even have your policy non-renewed. Insurance companies in Texas award discounts to people who do not rely on their insurance for small claims. Insurance coverage is intended for claims that you cannot pay yourself.
Chevy Silverado claim probability - Companies analyze historical claim data when they set coverage costs for each model. Vehicles that the data determines to have higher number or severity of losses will have higher premium rates. The table below outlines the insurance loss data for Chevy Silverado vehicles.
For each coverage type, the claim probability for all vehicles, regardless of manufacturer or model, is set at 100. Numbers under 100 are indicative of better than average losses, while values that are above 100 indicate more frequent losses or an increased chance of larger losses than average.
|Make and 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
Statistics from IIHS.org for 2013-2015 Model Years
Your situation helps dictate your coverage
When it comes to buying your policy, there really isn't a cookie cutter policy. Your situation is unique.
For instance, these questions may help highlight whether you may require specific advice.
- Can my babysitter drive my car?
- What are the best liability limits?
- Does low annual mileage earn a discount?
- Which companies will insure me after a DUI?
- Should I carry comprehensive and collision coverage?
- When do I need to add a new car to my policy?
- Are there companies who specialize in insuring high-risk drivers?
- How can I get the company to pay a claim?
If it's difficult to answer those questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form. It's fast, doesn't cost anything and may give you better protection.
Cheaper car insurance premiums are possible
When trying to cut insurance costs, never reduce coverage to reduce premium. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits only to regret at claim time that the small savings ended up costing them much more. The aim is to buy enough coverage at an affordable rate while still protecting your assets.
Affordable Chevy Silverado insurance in Corpus Christi is available on the web in addition to local insurance agencies, so you need to quote Corpus Christi car insurance with both to get a complete price analysis. A few companies may not offer the ability to get quotes online and most of the time these regional carriers provide coverage only through local independent agencies.
Insureds who switch companies do it for many reasons like policy cancellation, denial of a claim, delays in responding to claim requests and high rates after DUI convictions. It doesn't matter why you want to switch finding a great new company can be less work than you think.
More detailed car insurance information can be read in these articles:
- Understanding Your Insurance Deductible (Insurance Information Institute)
- Who Has Cheap Auto Insurance for Infrequent Drivers in Corpus Christi? (FAQ)
- Who Has Affordable Corpus Christi Auto Insurance for Used Cars? (FAQ)
- Who Has Affordable Car Insurance for Low Income Drivers in Corpus Christi? (FAQ)
- Who Has Affordable Corpus Christi Auto Insurance Quotes for Seniors? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Ford Focus in Corpus Christi? (FAQ)
- Event Data Recorders FAQ (iihs.org)
- How Much Auto Coverage do I Need? (Insurance Information Institute)