Who Has the Cheapest Insurance for a Chevrolet Silverado in Pennsylvania?
We always joke that when we write about auto insurance, the word affordable should never be used anywhere to describe car insurance rates. Be that as it may, cheap car insurance for a Chevy Silverado may be a thing of the past. Don’t let that bother you, though, because we can show you some ways you can find and buy car insurance that doesn’t break your budget.
Your chances of buying cheaper auto insurance for a Chevy Silverado in Pennsylvania hinges on a lot of rating factors like whether you are a homeower, where your vehicle is garaged, and if you had any at-fault accidents in the last few years. Drivers in Pennsylvania pay an average of $880 every 12 months to buy Chevrolet Silverado insurance, but that price is a ballpark figure using a 50-year-old married female driver that purchased both comprehensive and collision coverage and $500 deductibles.
There is a good probability you are not exactly 50 years old and possibly not even female, possibly single instead of married, or maybe you just want liability only instead of full coverage. Insurance is an individual thing, so the only way to find cheap insurance rates for your Chevrolet is to shop around at every renewal for lower rates. To cut your rates now, get a free quote and you will receive rate quotes from the best companies that insure Chevrolet vehicles in Pennsylvania.
The trim level of your vehicle tends to have a direct impact on the coverage cost, so the price to insure a Silverado LS Regular Cab 2WD will be $162 less than the insurance cost for the high end Silverado Crew Cab Hybrid 4WD model, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Silverado LS Regular Cab 2WD||$138||$236||$350||$20||$104||$848||$71|
|Silverado LS Regular Cab 4WD||$138||$236||$310||$18||$92||$794||$66|
|Silverado LT Regular Cab 2WD||$160||$286||$350||$20||$104||$920||$77|
|Silverado LT Regular Cab||$160||$286||$350||$20||$104||$920||$77|
|Silverado LS Extended Cab 4WD||$160||$286||$310||$18||$92||$866||$72|
|Silverado LT Extended Cab 4WD||$160||$286||$310||$18||$92||$866||$72|
|Silverado LT Extended Cab 2WD||$160||$286||$350||$20||$104||$920||$77|
|Silverado LS Extended Cab 2WD||$160||$286||$350||$20||$104||$920||$77|
|Silverado LT Crew Cab 4WD||$180||$338||$310||$18||$92||$938||$78|
|Silverado LS Crew Cab 2WD||$180||$338||$350||$20||$104||$992||$83|
|Silverado LS Crew Cab 4WD||$180||$338||$310||$18||$92||$938||$78|
|Silverado LT Crew Cab 2WD||$180||$338||$350||$20||$104||$992||$83|
|Silverado LTZ Extended Cab 2WD||$180||$338||$350||$20||$104||$992||$83|
|Silverado LTZ Extended Cab 4WD||$180||$338||$310||$18||$92||$938||$78|
|Silverado LTZ Crew Cab 2WD||$180||$338||$350||$20||$104||$992||$83|
|Silverado LTZ Crew Cab 4WD||$180||$338||$310||$18||$92||$938||$78|
|Silverado Crew Cab Hybrid 2WD||$180||$390||$310||$18||$92||$990||$83|
|Silverado Crew Cab Hybrid 4WD||$200||$390||$310||$18||$92||$1,010||$84|
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Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Premium costs do not factor in vehicle location which can decrease or increase premiums noticeably.
Finding a good quality car insurance provider is difficult considering how many companies sell insurance in Pennsylvania. The company ratings shown below may help you select which companies you want to consider purchasing a policy from. These ratings include companies that write coverage in many states, so smaller regional companies are not factored into the list.
Top 10 Major Auto Insurers in Pennsylvania Ranked by Claims Service
- Liberty Mutual
- State Farm
- Titan Insurance
- The General
- The Hartford
Top 10 Major Auto Insurers in Pennsylvania Ranked by Customer Service
- Titan Insurance
- The Hartford
- American Family
- Erie Insurance
- State Farm
- Farmers Insurance
Top Companies for Chevrolet Silverado Insurance in Pennsylvania
Full coverage rates compared to liability only
Finding the cheapest insurance for a Chevy Silverado in Pennsylvania is the goal of the majority of vehicle owners, and one common way to buy cheap insurance is to buy only liability coverage. The illustration below shows the comparison of yearly insurance costs with full physical damage coverage and with liability coverage only. The data is based on no tickets, no at-fault accidents, $250 deductibles, drivers are not married, and no discounts are taken into consideration.
If the expense is averaged for all age categories, physical damage coverage costs $1,869 per year over and above liability only. That raises the question when is it safe to stop buying full coverage. There is no exact rule that works best for making the decision to drop physical damage coverage on your policy, but there is a broad guideline. If the yearly cost of full coverage is more than about 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.
For example, let’s pretend your vehicle’s book value is $7,500 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $6,500 after the policy deductible has been paid. If it’s costing in excess of $650 annually to have full coverage, then it could be time to drop full coverage.
Cautious Pennsylvania drivers save money
The easiest method to score the most affordable car insurance prices for a Silverado pickup is to drive cautiously and avoid accidents and keep your driving record clean. The illustration below illustrates how speeding tickets and accident claims raise insurance costs for each different age group. The premiums assume a single male driver, comp and collision included, $250 deductibles, and no discounts are factored in.
In the prior example, the average cost of auto insurance per year with no accidents or violations is $2,232. Receive one speeding ticket and the average cost rises to $2,513, an increase of $280 each year. Now throw in two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Chevy Silverado jumps again to an average of $4,877. That’s an increase of $2,644, or $220 per month, just for not maintaining a clean driving record!
Company comparison: Progressive vs State Farm vs Geico vs Allstate
When it comes to buying insurance for a Silverado pickup in Pennsylvania, four companies to consider are Progressive, State Farm, Geico, and Allstate. The next table compares and contrasts price and claims rank as well as some different options that are available from each company.
|Handling of Claims||4th||2nd||3rd||1st|
|Percent of U.S. market||8.8%||18.3%||11.4%||10%|
|Percent of customers who recommend||88%||88%||87%||86%|
|New car replacement||No||No||No||Yes|
|Accident forgiveness coverage||Yes||No||Yes||Yes|
|Rating based on usage||Yes||Yes||No||Yes|
|Available in Pennsylvania||Yes||Yes||Yes||Yes|
|Where to buy||Online or from independent agents||Can only buy from State Farm agents||Both online and from Geico agents||Allstate-only agents|
|Number of agents||30,000+||18,000+||150+||11,000+|
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How to get the cheapest insurance for a Chevy Silverado in Pennsylvania
The list below shows some of the recommended thrifty ideas that can help Pennsylvania drivers buy the cheapest coverage.
- Better credit rating means better rates
- Save money by observing traffic laws and speed limits
- Higher deductibles save money
- On older vehicles, drop full coverage
- Being accident-free can lower rates significantly
- Safer vehicles cost less to insure
- Compare prices as often as possible
That final tip is very critical, as was pointed out in this piece. Car insurance prices in Pennsylvania can be adjusted at any time, so don’t be tentative to buy from a new company if a cheaper rate is available. Loyalty to a specific company is fine, but it’s not recommended if that devotion results in you overpaying potentially thousands of dollars a year. Spend a few minutes and shop around to find cheaper auto insurance for a Chevy Silverado.
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