Auto Insurance Quotes for a Chevy Silverado in Las Vegas

Insurance for Chevy SilveradoIf your goal is the lowest price, then the best way to find low-cost car insurance rates in Las Vegas is to compare quotes annually from companies in Nevada.

A crucial key to this process is to compare the same coverage limits and deductibles on each price quote and and to get price quotes from as many car insurance companies as possible. This helps ensure a fair price comparison and a complete selection of prices.

Statistics show that almost 70% of insureds have purchased from the same company for over three years, and approximately 40% of consumers have never compared rates to find affordable insurance. With the average car insurance premium being $1,600, Las Vegas drivers could save an average of as much as $550 each year just by comparing rates, but most undervalue how much savings they would realize if they switch to a new company.

Choosing the most cost-effective auto insurance policy in Las Vegas is really not that difficult. If you have coverage now, you should be able to shop for the lowest rates using the ideas covered in this article. Smart shoppers just need to understand the quickest method to shop over the internet.

Eight Tips to Get Cheap Las Vegas Insurance Premiums

Many different elements are part of the calculation when quoting car insurance. Most are fairly basic like a motor vehicle report, although some other factors are not quite as obvious like your vehicle usage or your financial responsibility.

Shown below are some of the things companies use to determine premiums.

Getting cheap car insurance pricing is a great way to save money. Drivers just need to spend a few minutes to get quotes online with multiple companies.

The companies shown below have been selected to offer price quotes in Las Vegas, NV. If your goal is to find cheap car insurance in Nevada, it’s a good idea that you visit two to three different companies in order to get a fair rate comparison.

Analysis of coverages

The information displayed next outlines a range of insurance policy prices for Chevy Silverado models. Learning how insurance prices are calculated helps drivers make decisions on which coverage to buy.

Chevrolet Silverado Insurance Rates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado LS Regular Cab 2WD $198 $386 $394 $24 $118 $1,120 $93
Silverado LS Regular Cab 4WD $198 $386 $348 $20 $104 $1,056 $88
Silverado LT Regular Cab 2WD $228 $470 $394 $24 $118 $1,234 $103
Silverado LT Regular Cab $228 $470 $394 $24 $118 $1,234 $103
Silverado LS Extended Cab 4WD $228 $470 $348 $20 $104 $1,170 $98
Silverado LT Extended Cab 4WD $228 $470 $348 $20 $104 $1,170 $98
Silverado LT Extended Cab 2WD $228 $470 $394 $24 $118 $1,234 $103
Silverado LS Extended Cab 2WD $228 $470 $394 $24 $118 $1,234 $103
Silverado LT Crew Cab 4WD $258 $554 $348 $20 $104 $1,284 $107
Silverado LS Crew Cab 2WD $258 $554 $394 $24 $118 $1,348 $112
Silverado LS Crew Cab 4WD $258 $554 $348 $20 $104 $1,284 $107
Silverado LT Crew Cab 2WD $258 $554 $394 $24 $118 $1,348 $112
Silverado LTZ Extended Cab 2WD $258 $554 $394 $24 $118 $1,348 $112
Silverado LTZ Extended Cab 4WD $258 $554 $348 $20 $104 $1,284 $107
Silverado LTZ Crew Cab 2WD $258 $554 $394 $24 $118 $1,348 $112
Silverado LTZ Crew Cab 4WD $258 $554 $348 $20 $104 $1,284 $107
Silverado Crew Cab Hybrid 2WD $258 $636 $348 $20 $104 $1,366 $114
Silverado Crew Cab Hybrid 4WD $286 $636 $348 $20 $104 $1,394 $116
Get Your Own Custom Quote Go

Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Information does not factor in zip code location which can decrease or increase insurance rates substantially.

Rate comparison of full coverage and liability-only

The information below visualizes the comparison of Chevy Silverado car insurance costs with full coverage and liability only. The prices are based on no accidents or driving violations, $250 deductibles, drivers are not married, and no discounts are factored in.

Should you buy full coverage or liability only?

There is no definitive formula of when to phase out full coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let’s assume your Chevy Silverado replacement value is $9,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $8,000 after paying the physical damage deductible. If it’s costing in excess of $800 annually for physical damage coverage, then it might be time to consider dropping full coverage.

There are a few cases where only buying liability is not advised. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not remove full coverage.

Buying the right Chevy Silverado insurance in Nevada is an important decision

Despite the high cost of buying insurance for a Chevy Silverado in Las Vegas, insuring your vehicle is most likely required but also gives you several important benefits.

First, almost all states have mandatory insurance requirements which means state laws require specific limits of liability coverage in order to be legal. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you took out a loan on your vehicle, most banks will make it a condition of the loan that you have physical damage coverage to guarantee payment of the loan. If you do not pay your insurance premiums, the bank will be required to insure your Chevy at an extremely high rate and require you to pay the higher premium.

Third, insurance preserves your vehicle and your assets. Insurance will also pay for medical transport and hospital expenses that are the result of an accident. Liability coverage also pays expenses related to your legal defense if anyone sues you for causing an accident. If your car is damaged in a storm or accident, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.

The benefits of having insurance definitely exceed the price paid, specifically if you ever have a liability claim. But the average driver in Nevada is overpaying more than $820 a year so you should quote rates at every renewal to ensure rates are inline.

Don’t neglect these money saving discounts

Some insurers don’t list all their discounts in an easy-to-find place, so the list below contains both well-publicized and the more hidden discounts that may be available. If you check and find you aren’t receiving every discount you deserve, you are just wasting money.Save money with discounts

Don’t be surprised that many deductions do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, that’s just not realistic.

The information below illustrates the difference between Chevy Silverado annual premium costs with and without some available policy discounts. The information is based on a male driver, no claims or violations, Nevada state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-policy, multi-car, safe-driver, and claim-free discounts applied.

A list of auto insurance companies and their offered discounts can be found below.

If you need lower rates, check with every insurance company which discounts you may be entitled to. A few discounts may not apply to policyholders in Las Vegas. To choose companies who offer cheap Chevy Silverado insurance quotes in Las Vegas, click this link.

Insurance agents are professional risk managers

Many drivers still like to buy from a local agent and that is not a bad decision Professional agents can point out coverage gaps and will help you if you have claims. One of the great benefits of comparing car insurance online is that you can find better rates and still have an agent to talk to.

Las Vegas insurance agentsTo help locate an agent, after submitting this form (opens in new window), your insurance data is emailed to participating agents in Las Vegas who will give you quotes for your insurance coverage. It makes it easy because there is no need to contact any insurance agencies since price quotes are sent to you directly. If you wish to get a rate quote for a specific company, feel free to jump over to their website and give them your coverage information.

Finding the right provider requires you to look at more than just the quoted price. The questions below may impact your decision as well.

Shown below are agents in Las Vegas who can help you get rate quotes for Chevy Silverado insurance in Las Vegas.

More insurance agents

After talking to the agent and getting good feedback to your questions and affordable Chevrolet Silverado insurance rates in Las Vegas quotes, you may have found an insurer that is a good match to provide car insurance coverage.

Which is the best auto insurance?

Always keep in mind that when comparing your policy for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique.Safe vehicles cost less to insure

Here are some questions about coverages that could help you determine whether you could use an agent’s help.

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and can provide invaluable advice.

Find cheaper auto insurance rates by comparing often

When you buy Las Vegas car insurance online, you should never buy less coverage just to save a little money. In many instances, an insured dropped liability coverage limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to find the BEST coverage at the best possible price while still protecting your assets.

Budget-conscious Chevy Silverado insurance can be sourced both online in addition to many Las Vegas insurance agents, so you need to quote Las Vegas car insurance with both to have the best rate selection. Some auto insurance companies may not have rates over the internet and many times these regional insurance providers provide coverage only through independent agents.

Drivers leave their current company for any number of reasons including unfair underwriting practices, questionable increases in premium, an unsatisfactory settlement offer and being labeled a high risk driver. It doesn’t matter why you want to switch finding a great new company is actually quite simple.

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