Do you want to stop overpaying and find cheaper Chevy Silverado insurance in San Francisco? Are you at wits end from scraping nickels together to make your car insurance payment? You have the same problem as most other people in California.
It’s safe to assume that insurance companies don’t want you shop around. Insureds who get price quotes annually are highly likely to buy a different policy because of the good chance of finding a lower rate. A recent survey discovered that drivers who routinely compared rates saved $72 a month compared to policyholders who never shopped around.
If saving the most money on Chevy Silverado insurance in San Francisco is your ultimate objective, then having some knowledge of how to compare car insurance can save time and money.
Steps to buying lower priced Chevy Silverado insurance in San Francisco
If your goal is the lowest price, then the best way to save on Chevy Silverado insurance in San Francisco is to start doing an annual price comparison from providers in California. Rate comparisons can be done by following these guidelines.
- Step 1: Try to comprehend how companies price auto insurance and the measures you can control to prevent expensive coverage. Many risk factors that cause rate increases like traffic citations and a negative credit score can be rectified by paying attention to minor details.
- Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from a single company like GEICO or Farmers Insurance, while independent agents can provide price quotes from multiple insurance companies. Start a quote
- Step 3: Compare the new quotes to your existing policy to determine if you can save on Silverado insurance in San Francisco. If you find a better price and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Step 4: Provide proper notification to your current company to cancel your current car insurance policy. Submit a down payment along with a completed application for your new policy. Don’t forget to put the new certificate verifying proof of insurance in your vehicle’s glove compartment or console.
A good tip to remember is that you’ll want to make sure you compare similar deductibles and liability limits on each quote and and to compare as many different insurance providers as possible. Doing this guarantees the most accurate price comparison and a thorough price selection.
Companies like State Farm, Progressive and GEICO persitently shower you with advertising and it is challenging if not impossible to see through the cute green geckos and mayhem and take the time to shop coverage around.
Consumers should take time to do rate comparisons every six months because car insurance prices are rarely the same from one policy term to another. Even if you think you had the best price on Chevy Silverado insurance in San Francisco at your last renewal a different company probably has better rates today. You can find a lot of misleading information regarding Silverado insurance online, but in just a couple of minutes you can learn some good information on how to find affordable car insurance in San Francisco.
If you are already insured, you will definitely be able to lower your rates using the tips covered below. Locating the best rates in San Francisco can initially seem challenging. But California car owners must learn how companies set your policy premium and take advantage of how the system works.
Affordable Chevy insurance prices in San Francisco
The following companies are ready to provide free rate quotes in California. If multiple providers are shown, we recommend you compare several of them to find the lowest auto insurance rates.
Statistics and details
The premium table shown below highlights estimates of rate quotes for Chevy Silverado models. Learning a little about how insurance quotes are formulated can help drivers make informed decisions when shopping around for a new policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Silverado LS Regular Cab 2WD||$168||$274||$514||$30||$154||$1,140||$95|
|Silverado LS Regular Cab 4WD||$168||$274||$456||$26||$136||$1,060||$88|
|Silverado LT Regular Cab 2WD||$192||$332||$514||$30||$154||$1,222||$102|
|Silverado LT Regular Cab||$192||$332||$514||$30||$154||$1,222||$102|
|Silverado LS Extended Cab 4WD||$192||$332||$456||$26||$136||$1,142||$95|
|Silverado LT Extended Cab 4WD||$192||$332||$456||$26||$136||$1,142||$95|
|Silverado LT Extended Cab 2WD||$192||$332||$514||$30||$154||$1,222||$102|
|Silverado LS Extended Cab 2WD||$192||$332||$514||$30||$154||$1,222||$102|
|Silverado LT Crew Cab 4WD||$216||$392||$456||$26||$136||$1,226||$102|
|Silverado LS Crew Cab 2WD||$216||$392||$514||$30||$154||$1,306||$109|
|Silverado LS Crew Cab 4WD||$216||$392||$456||$26||$136||$1,226||$102|
|Silverado LT Crew Cab 2WD||$216||$392||$514||$30||$154||$1,306||$109|
|Silverado LTZ Extended Cab 2WD||$216||$392||$514||$30||$154||$1,306||$109|
|Silverado LTZ Extended Cab 4WD||$216||$392||$456||$26||$136||$1,226||$102|
|Silverado LTZ Crew Cab 2WD||$216||$392||$514||$30||$154||$1,306||$109|
|Silverado LTZ Crew Cab 4WD||$216||$392||$456||$26||$136||$1,226||$102|
|Silverado Crew Cab Hybrid 2WD||$216||$452||$456||$26||$136||$1,286||$107|
|Silverado Crew Cab Hybrid 4WD||$242||$452||$456||$26||$136||$1,312||$109|
|Get Your Own Custom Quote Go|
Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Table data does not factor in specific garaging location which can alter premium rates significantly.
Safe drivers pay less for insurance
The chart below demonstrates how traffic citations and at-fault claims can affect Chevy Silverado insurance costs for different ages of insureds. The information is based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.
Difference between full coverage and liability only rates
The chart below illustrates the difference between Chevy Silverado auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on no accidents, no driving violations, $500 deductibles, single marital status, and no other discounts are factored in.
When to stop buying comprehensive and collision coverage
There is no set rule to stop paying for physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost of full coverage is about 10% or more of the replacement cost minus the deductible, then it might be time to buy liability only.
For example, let’s assume your Chevy Silverado replacement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $3,000 after paying your deductible. If you are paying more than $300 annually for physical damage coverage, the it may be a good time to stop paying for full coverage.
There are some cases where buying only liability insurance is not a good idea. If you haven’t satisfied your loan, you must maintain physical damage coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not buy liability only.
San Francisco car insurance discounts
Car insurance is easily one of your largest bills, but discounts can save money and there are some available to help bring down the price. Some discounts will apply at the time you complete a quote, but a few must be requested specifically before you will receive the discount.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
- Safety Course Discount – Taking time to complete a course in safe driver could possibly earn you a 5% discount and easily pay for the cost of the class.
- Multiple Policy Discount – If you insure your home and vehicles and insure them with the same company you could earn a discount of 10% to 20% off each policy.
- Accident Forgiveness – This one is not really a discount per se, but a few companies such as Allstate and GEICO may permit one accident without getting socked with a rate hike if your claims history is clear for a certain period of time.
- Professional Memberships – Joining qualifying clubs or civic groups could trigger savings when shopping for car insurance.
Consumers should know that most credits do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. So even though you would think you can get free auto insurance, you aren’t that lucky.
The example below shows the comparison of Chevy Silverado insurance rates with and without discounts applied to the rates. The premiums are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, multi-policy, safe-driver, and marriage discounts applied.
For a list of companies that offer discounts in California, follow this link.
Get rate quotes but buy from a local San Francisco insurance agency
A lot of people just want to talk to a local agent and that is a smart decision The biggest benefit of getting online price quotes is that drivers can save money and get cheaper car insurance rates and still have an agent to talk to.
To find an agent, once you fill out this form (opens in new window), your information is emailed to agents in your area who want to provide quotes for your coverage. It’s much easier because you don’t need to contact any agents since price quotes are sent instantly to you. You’ll get the best rates and a licensed agent to work with. If you want to get a price quote from one company in particular, you would need to find their quoting web page to submit a rate quote request.
Deciding on an company requires more thought than just a cheap price. Here are some questions to ask:
- Is working in the agency their full-time job?
- Is assistance available after office hours?
- Can glass claims be handled at your home?
- Can you use your own choice of collision repair facility?
- What is their Better Business Bureau rating?
The following are San Francisco car insurance companies who can help you get comparison quotes for Chevy Silverado insurance in San Francisco.
Barulich Insurance Agency
San Francisco Pier 33 – Alcatraz Island #203 – San Francisco, CA 94111 – (415) 616-5911 – View Map
Learn about car insurance coverages for a Chevy Silverado
Learning about specific coverages of car insurance can help you determine the right coverages for your vehicles. Car insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages available from car insurance companies.
This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Chevy Silverado.
Since a lot of drivers only purchase the least amount of liability that is required (15/30/5), their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.
Comprehensive or Other Than Collision
Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims such as hitting a bird, vandalism, hail damage and a broken windshield. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Liability coverage provides protection from injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 15/30/5 that means you have $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and property damage coverage for $5,000.
Liability insurance covers claims such as loss of income, court costs, medical services, legal defense fees and attorney fees. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford. California state minimum liability requirements are 15/30/5 but you should think about purchasing more coverage.
The chart below shows why buying low liability limits may not provide you with enough coverage.
Medical costs insurance
Medical payments and Personal Injury Protection insurance kick in for expenses for things like doctor visits, nursing services, rehabilitation expenses, chiropractic care and dental work. They are used in conjunction with a health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as colliding with a tree, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to bump up the deductible on your Silverado to bring the cost down.
Quote often and quote early
We just showed you many ways to save on Chevy Silverado insurance in San Francisco. The most important thing to understand is the more quotes you get, the better your chances of lowering your prices. Consumers could even find that the lowest priced car insurance comes from a small local company. Regional companies may only write in your state and offer lower prices than their larger competitors like GEICO and State Farm.
Lower-priced car insurance in San Francisco can be bought from both online companies as well as from insurance agents, so get free San Francisco auto insurance quotes from both of them in order to have the best chance of saving money. Some insurance providers don’t offer online price quotes and usually these regional carriers only sell coverage through independent insurance agencies.
Steps to finding low-cost Chevy Silverado insurance in San Francisco
The best way to get discount car insurance rates in San Francisco is to compare quotes once a year from providers who provide auto insurance in California. Rate comparisons can be done by following these steps.
First, it will benefit you to learn about coverages and the measures you can control to prevent rate increases. Many factors that are responsible for high rates such as at-fault accidents and poor credit can be controlled by paying attention to minor details.
Second, request price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from a single company like GEICO or Allstate, while independent agencies can quote prices from multiple insurance companies.
Third, compare the price quotes to your current policy to see if switching to a new carrier will save money. If you find a lower rate quote and change companies, make sure coverage does not lapse between policies.
Fourth, tell your current company of your intention to cancel your existing policy. Submit the signed application along with the required initial payment to the new company. Once the application is submitted, put the new certificate verifying proof of insurance with your registration paperwork.
One tip to remember is that you use identical coverage information on every quote request and and to compare as many companies as you can. Doing this guarantees the most accurate price comparison and plenty of rates choose from.
For more information, feel free to visit the articles below:
- Frontal Crash Tests (iihs.org)
- What Auto Insurance is Cheapest for a Chevrolet Equinox in San Francisco? (FAQ)
- Who Has Cheap San Francisco Auto Insurance Rates for Low Mileage Drivers? (FAQ)
- Who Has Affordable Auto Insurance for Drivers Over Age 60 in San Francisco? (FAQ)
- Who Has Cheap San Francisco Auto Insurance Rates for Teenage Females? (FAQ)
- Rental Car Insurance Tips (Insurance Information Institute)
- Five Mistakes to Avoid (Insurance Information Institute)