Would you like to stop overpaying and find cheaper Chevy Silverado insurance in Columbus? Searching for the cheapest insurance for a new or used Chevy Silverado in Georgia can normally be a painful process, but you can use a few tricks to make it easier.

There is a better way to compare insurance rates so we're going to tell you the best way to price shop coverage for a new or used Chevy and locate the lowest possible price from Columbus insurance agents and online providers.

Insurance for Chevy SilveradoAmazingly, a recent NerdWallet.com study showed that over 70% of Georgia drivers have stayed with the same insurance company for over three years, and just under half have never compared quotes from other companies. With the average premium in the United States being $1,847, drivers could save themselves about $859 a year by just shopping around, but they think it's difficult to find affordable insurance by shopping around.

Consumers should take time to compare prices yearly because prices are adjusted regularly by insurance companies. If you had the best price on Chevy Silverado insurance in Columbus last year there is a good chance you can find better rates now. You'll find quite a bit of inaccurate information about Silverado insurance on the web, but by reading this article, you're going to learn the best ways to save money.

If you have insurance now or are looking for a new policy, take advantage of these tips to find the best rates while maximizing coverage. Shopping for the lowest cost policy in Columbus is easy if you know what you're doing. Smart buyers just have to learn the least time-consuming way to buy auto insurance instantly.

Do you qualify for discounts?

Insurance is neither fun to buy or cheap, but you can get discounts to cut the cost considerably. Many of these discounts will be applied automatically when you quote, but a few must be asked for before being credited. If you do not double check each discount you qualify for, you could be paying more than you need to.

As is typical with insurance, most credits do not apply to the entire cost. Most only cut specific coverage prices like liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, that's just not realistic.

To view insurers with the best discounts in Georgia, click this link.

Most companies like Allstate, GEICO and Progressive provide coverage price quotes on their websites. Getting quotes for Chevy Silverado insurance in Columbus is quite simple because it's just a matter of typing in the coverages you want into the form. After you complete the form, their quoting system orders your driving and credit reports and quotes a price based on these factors.

This simplifies rate comparisons, and it's also necessary to get many rate quotes in order to get a better rate.

To find out what other companies charge, consider comparing rates from the companies shown below. If you currently have coverage, we recommend that you enter the insurance coverages identical to your current policy. Using the same limits helps guarantee you're receiving a fair comparison using the exact same coverages.

The companies shown below are ready to provide quotes in Columbus, GA. If multiple companies are listed, we suggest you visit several of them to find the cheapest auto insurance rates.

Chevrolet Silverado Insurance Rates in Columbus, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado LS Regular Cab 2WD $166 $282 $418 $24 $126 $1,016 $85
Silverado LS Regular Cab 4WD $230 $428 $378 $22 $114 $1,172 $98
Silverado LT Regular Cab 2WD $386 $612 $582 $34 $174 $1,788 $149
Silverado LT Regular Cab $212 $404 $466 $28 $140 $1,250 $104
Silverado LS Extended Cab 4WD $184 $370 $476 $28 $142 $1,200 $100
Silverado LT Extended Cab 4WD $182 $316 $402 $24 $120 $1,044 $87
Silverado LT Extended Cab 2WD $262 $528 $502 $30 $150 $1,472 $123
Silverado LS Extended Cab 2WD $212 $404 $466 $28 $140 $1,250 $104
Silverado LT Crew Cab 4WD $392 $604 $516 $30 $154 $1,696 $141
Silverado LS Crew Cab 2WD $206 $372 $454 $26 $136 $1,194 $100
Silverado LS Crew Cab 4WD $254 $448 $406 $24 $122 $1,254 $105
Silverado LT Crew Cab 2WD $264 $500 $418 $24 $126 $1,332 $111
Silverado LTZ Extended Cab 2WD $382 $720 $444 $26 $134 $1,706 $142
Silverado LTZ Extended Cab 4WD $312 $556 $406 $24 $122 $1,420 $118
Silverado LTZ Crew Cab 2WD $218 $414 $426 $26 $128 $1,212 $101
Silverado LTZ Crew Cab 4WD $206 $372 $402 $24 $120 $1,124 $94
Silverado Crew Cab Hybrid 2WD $424 $1020 $532 $32 $158 $2,166 $181
Silverado Crew Cab Hybrid 4WD $182 $362 $370 $22 $110 $1,046 $87
Get Your Own Custom Quote Go

Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Premium amounts do not factor in Columbus location which can impact prices considerably.

Male drivers versus female drivers

The illustration below shows the difference between Chevrolet Silverado car insurance rates for male and female drivers. The data assumes no claims, a clean driving record, comprehensive and collision coverage, $1,000 deductibles, marital status is single, and no policy discounts are applied.

You Can Change Your Insurance Prices

Many factors are used in the calculation when you get your auto insurance bill. Some factors are common sense like an MVR report, although some other factors are more obscure such as your credit history and annual miles driven. Part of the insurance buying process is learning some of the things that help determine your insurance rates. When consumers understand what controls the rates you pay, this allows you to make educated decisions that can earn you better insurance rates.

The items below are a partial list of the pieces utilized by car insurance companies to help set your rate level.

With age comes responsibility - Older, more experienced drivers are more cautious drivers, cost insurance companies less in claims, and get fewer tickets.Inexperience drivers are known to be less responsible behind the wheel and because of this, their insurance rates are much higher.

Single vs. married - Walking down the aisle actually saves money when buying insurance. Having a significant other demonstrates that you tend to be more mature and responsible and it's statistically proven that married couples file fewer claims.

Premiums impacted by your city - Choosing to live in small towns and rural areas has definite advantages when buying insurance. People in densely populated areas have to deal with congested traffic and more time behind the wheel. Less people living in that area means reduced accidents and lower theft and vandalism rates.

Save money by having responsible credit - Having a bad credit history can be a huge factor in determining premium rates. Therefore, if your credit score can be improved, you could save money insuring your Chevrolet Silverado by repairing your credit. Insureds with high credit ratings tend to file fewer claims than drivers with lower ratings.

Prevent theft and save - Buying a car with a theft deterrent system can get you a discount on your insurance. Anti-theft devices such as OnStar, LoJack tracking, and tamper alarms can help prevent your vehicle from being stolen.

Women tend to cost less - Statistics demonstrate that females tend to be a little less risky than males. However, don't assume that women are better drivers. Both sexes have auto accidents at a similar rate, but males get into accidents with more damage. Men also tend to get more serious tickets such as driving while intoxicated (DWI) or driving recklessly.

Fast cars cost more to insure - The performance level of the car you own makes a big difference in the rate you pay. Due to the fact that the Chevrolet Silverado falls in the pickup truck class, insurance will be similar in price as compared to the average rate in Columbus. The lowest performance passenger models usually are quite affordable to insure, but many other things help determine your insurance rates.

Insurance losses for a Chevy Silverado - Car insurance companies use data from past claims when determining insurance costs. Models that statistically have higher frequency or amount of claims will have higher rates. The table below shows the historical insurance loss data for Chevy Silverado vehicles.

For each type of coverage, the claim amount for all vehicles, regardless of manufacturer or model, equals 100. Numbers below 100 indicate better than average losses, while values over 100 indicate more frequent losses or an increased chance of a larger loss.

Insurance Loss Ratings for Chevrolet Silverado Vehicles

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
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

When to get professional advice

When it comes to choosing adequate coverage for your vehicles, there is no cookie cutter policy. You are unique and your policy should reflect that. For example, these questions might point out whether you could use an agent's help.

If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Insurance agencies near you

Many people just prefer to sit down with an agent and doing so can bring peace of mind Professional agents can point out coverage gaps and will help you if you have claims. A good thing about comparing insurance online is the fact that drivers can get cheap rate quotes and still have a local agent. Putting coverage with neighborhood agents is especially important in Columbus.

To find an agent, once you fill out this quick form, your insurance data is transmitted to participating agents in Columbus who will give you bids for your insurance coverage. You won't need to leave your house since price quotes are sent immediately to your email address. If you have a need to get a price quote from a specific insurance provider, you can always search and find their rate quote page to submit a rate quote request.

If you want an insurance agent, it's important to understand the types of insurance agents and how they differ in how they quote coverages. Insurance agencies in Columbus can be described as either independent or exclusive. Either one can provide insurance policies, but it's worth mentioning the difference in how they write coverage since it can impact which type of agent you select.

Independent Insurance Agents

These agents do not write with just one company and that enables them to quote your coverage with multiple insurance companies and find the cheapest insurance rates. If they find a lower price, your agent can just switch to a different company and that require little work on your part.

If you need lower rates, you will want to check rates from at a minimum one independent agency in order to have the best price comparison. They also have the ability to place coverage with lesser-known insurance companies that may have much lower rates than larger companies.

Shown below are independent insurance agencies in Columbus that may be able to provide competitive price quotes.

More insurance agents

Exclusive Insurance Agents

Exclusive agents can only write with one company and examples are Allstate, Farmers Insurance or State Farm. They usually cannot provide prices from multiple companies so they really need to provide good service. Exclusive agents are trained well in insurance sales which helps overcome the inability to quote other rates. Consumers frequently purchase coverage from exclusives mainly due to the brand legacy and the convenience of having all coverages with one company.

Listed below is a short list of exclusive insurance agencies in Columbus that can give you rate quotes.

More insurance agents

Finding the right insurance agency should include more criteria than just the premium amount. The answers to these questions are important, too.

If you get good answers to your questions and locked in a price quote, chances are good that you have found an insurance agency that can adequately provide insurance. Just be aware that you can always terminate coverage at any time so don't think you are locked into any specific agency for the entire policy term.

Why do I need car insurance?

Despite the fact that car insurance is not cheap in Columbus, maintaining insurance is a good idea for several reasons.

The benefits of having insurance more than offset the price you pay, particularly if you ever have a claim. Despite what companies tell you, the average driver overpays as much as $700 annually so compare rate quotes once a year at a minimum to make sure the price is not too high.

One last thing about your coverage

As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced liability limits or collision coverage only to discover later that the few dollars in savings costed them thousands. The aim is to buy the best coverage you can find at an affordable rate but still have enough coverage for asset protection.

In this article, we covered many ways to compare Chevy Silverado insurance rates in Columbus. The key concept to understand is the more times you quote, the better your comparison will be. You may even be surprised to find that the lowest rates are with a small mutual company. These smaller insurers can often provide lower auto insurance rates in certain areas than their larger competitors like Allstate or State Farm.

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