Who Has Affordable Auto Insurance Rates for a Chevrolet Silverado in San Jose?

Buying the cheapest car insurance for a Chevy Silverado doesn’t take too much effort, but it relies on a lot of factors such as whether you are married, if you have a tendency to file claims, and any prior driving offenses. Drivers pay on average $1,538 each year to insure their Silverado, but that figure is an estimate calculated based on a 30-year-old married female driver with full physical damage coverage and $250 deductibles.

The problem with using this number is the good chance you may not be 30 years old (or even female), single instead of married, and you need different coverage limits than the sample rates. Having the smallest difference in the criteria used to calculate rates can make a large difference in the cost of a policy.

Insurance is an individual thing, so the best way to find cheap insurance rates for your Chevrolet is to just compare rates yourself. Comparing quotes is easy and you will be able to see rates from top-rated companies that sell coverage in California.

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Your vehicle’s trim level will most likely have an effect on the insurance rate, so the price you pay to insure a Silverado LS Regular Cab 2WD trim level will be $346 lower than the cost to insure the higher-priced Silverado Crew Cab Hybrid 4WD model, as demonstrated by the prices below.

Chevrolet Silverado Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado LS Regular Cab 2WD $288 $464 $510 $30 $152 $1,444 $120
Silverado LS Regular Cab 4WD $288 $464 $450 $26 $134 $1,362 $114
Silverado LT Regular Cab 2WD $332 $564 $510 $30 $152 $1,588 $132
Silverado LT Regular Cab $332 $564 $510 $30 $152 $1,588 $132
Silverado LS Extended Cab 4WD $332 $564 $450 $26 $134 $1,506 $126
Silverado LT Extended Cab 4WD $332 $564 $450 $26 $134 $1,506 $126
Silverado LT Extended Cab 2WD $332 $564 $510 $30 $152 $1,588 $132
Silverado LS Extended Cab 2WD $332 $564 $510 $30 $152 $1,588 $132
Silverado LT Crew Cab 4WD $374 $664 $450 $26 $134 $1,648 $137
Silverado LS Crew Cab 2WD $374 $664 $510 $30 $152 $1,730 $144
Silverado LS Crew Cab 4WD $374 $664 $450 $26 $134 $1,648 $137
Silverado LT Crew Cab 2WD $374 $664 $510 $30 $152 $1,730 $144
Silverado LTZ Extended Cab 2WD $374 $664 $510 $30 $152 $1,730 $144
Silverado LTZ Extended Cab 4WD $374 $664 $450 $26 $134 $1,648 $137
Silverado LTZ Crew Cab 2WD $374 $664 $510 $30 $152 $1,730 $144
Silverado LTZ Crew Cab 4WD $374 $664 $450 $26 $134 $1,648 $137
Silverado Crew Cab Hybrid 2WD $374 $764 $450 $26 $134 $1,748 $146
Silverado Crew Cab Hybrid 4WD $416 $764 $450 $26 $134 $1,790 $149
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Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Table data does not factor in garaging location in San Jose which can change prices substantially.

Choosing the right auto insurance company can be a challenge considering how many choices there are in California. The rank data displayed below may help you decide which providers to look at comparing prices from.

These ratings only include companies that write coverage in many states, so smaller companies that only insure vehicles in California are not factored into this list. If you would like to check rates and find cheaper insurance for a Chevy Silverado, just click here.

Top 10 Large Auto Insurance Providers Overall in San Jose

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

The illustration below demonstrates how deductibles can raise or lower insurance premiums when quoting cheap insurance for a Chevy Silverado. The prices are based on a married male driver, full coverage, and no discounts are applied to the premium.

A 30-year-old driver could cut expenses by $476 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $718 by using a $1,000 deductible. Young drivers, such as the 20-year-old example, could reduce their rates $1,434 every year by using a higher deductible. If you do raise deductibles, it is essential to have enough funds in savings to allow you to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

The benefit of shopping around

San Jose auto insurance rates are impacted by many factors which can substantially decrease or increase the price of coverage. Improving your credit score, buying a different vehicle, or getting a few speeding tickets may prompt premium changes that can now make some companies cheaper in comparison to the competition.

In addition, insurers change their prices without warning to help ensure profitability. Unexpectedly high claims can cause price increases, while a profitable period may produce cheaper Silverado insurance rates.

For example, the chart below analyzes the cheapest car insurance in San Jose, CA for a 40-year-old female driver with no prior accidents, a clean driving record, and good financial standing. If we estimate prices based on her current rating profile, USAA quotes the best car insurance rates in San Jose at $1,223 annually. This is $428 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are the rest of the most affordable San Jose, CA auto insurance companies.

The example below compares rates after we give the driver in the first chart an accident surcharge, poor credit, and an imperfect driving record. Due to the fact that every insurance company has their own guidelines to set premium rates, getting updated rate quotes may now result in a completely different list of the cheapest San Jose car insurance companies as shown below.

Grange now has the cheapest insurance rate in San Jose, CA with GEICO, Allied, Progressive, and Allstate now being in the top five. This example shows why drivers need to perform an extensive rate comparison to find the most economical insurance quotes for a Chevy Silverado.

Car insurance prices are influenced by many factors and change substantially, so the best company six months ago may now be an over-priced policy.

The insurance agencies below are willing to aid you in deciding which insurance coverage you need, as lots of people like to get some help when shopping for the best coverage for a Silverado pickup. It can be hard to find the best rates on your own, and a professional agent can give you peace of mind knowing your coverage gives you adequate coverage when you need it most.

To locate a San Jose auto insurance agent near you, click the button below the list or click here to get price quotes now.

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How to find economical car insurance for a Chevy Silverado

It is possible to find better rates, and here are some of the recommended penny-pinching ideas that can help drivers buy lower-cost auto insurance.

The last tip in the list is particularly necessary, as was emphasized in the prior information. Prices charged by companies in San Jose vary considerably, so don’t hesitate to switch companies if a cheaper rate is available.

Loyalty to a specific company is fine, but is isn’t recommended if that devotion results in you overpaying a considerable chunk of change every month. Now is a great time to compare prices and find cheaper insurance for a Chevy Silverado.