Price shopping your Chevy Silverado insurance in Reno can seem to be frustrating for people not familiar with quoting and comparing prices online. With so many options of insurers to choose from, it can quickly become a burden to find the best price in Nevada on Chevy Silverado insurance.

Discount Chevy Silverado insuranceSad but true, almost 70% of drivers kept buying from the same company for well over three years, and approximately 38% of consumers have never compared quotes from other companies. With the average insurance premium being $1,600, Nevada drivers could save 35% each year by just shopping around, but they don't know the benefits if they replace their high priced policy.

Best companies for Chevy Silverado insurance

The companies shown below offer free rate quotes in Nevada. If the list has multiple companies, we suggest you visit as many as you can in order to find the most competitive rates.

Chevrolet Silverado Insurance Estimates in Reno, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado LS Regular Cab 2WD $204 $380 $422 $24 $126 $1,156 $96
Silverado LS Regular Cab 4WD $110 $214 $348 $20 $104 $796 $66
Silverado LT Regular Cab 2WD $214 $398 $470 $28 $140 $1,250 $104
Silverado LT Regular Cab $114 $210 $328 $20 $98 $770 $64
Silverado LS Extended Cab 4WD $216 $370 $318 $18 $96 $1,018 $85
Silverado LT Extended Cab 4WD $150 $276 $296 $18 $88 $828 $69
Silverado LT Extended Cab 2WD $126 $248 $394 $24 $118 $910 $76
Silverado LS Extended Cab 2WD $204 $414 $394 $24 $118 $1,154 $96
Silverado LT Crew Cab 4WD $166 $298 $308 $18 $92 $882 $74
Silverado LS Crew Cab 2WD $232 $464 $394 $24 $118 $1,232 $103
Silverado LS Crew Cab 4WD $162 $342 $372 $22 $112 $1,010 $84
Silverado LT Crew Cab 2WD $210 $402 $334 $20 $100 $1,066 $89
Silverado LTZ Extended Cab 2WD $258 $554 $394 $24 $118 $1,348 $112
Silverado LTZ Extended Cab 4WD $242 $468 $416 $24 $124 $1,274 $106
Silverado LTZ Crew Cab 2WD $232 $486 $394 $24 $118 $1,254 $105
Silverado LTZ Crew Cab 4WD $258 $582 $348 $20 $104 $1,312 $109
Silverado Crew Cab Hybrid 2WD $212 $430 $314 $18 $94 $1,068 $89
Silverado Crew Cab Hybrid 4WD $288 $616 $400 $24 $120 $1,448 $121
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Price estimates do not factor in specific location information which can lower or raise auto insurance rates greatly.

Reckless driving habits raise auto insurance rates

The information below highlights how traffic violations and at-fault accidents influence Chevrolet Silverado insurance premiums for each age group. The costs are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

Seven discounts for lower-cost auto insurance quotes

Buying auto insurance is not cheap, but discounts can save money and there are some available that you may not even be aware of. Some trigger automatically at quote time, but some may not be applied and must be requested specifically before they will apply.Save money with discounts

As a sidenote, many deductions do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as collision or personal injury protection. If you do the math and it seems like all those discounts means the company will pay you, that's just not realistic.

If you would like to see a list of insurers with discount rates in Reno, click here to view.

Local Reno car insurance agents and car insurance

Some consumers just prefer to have an agent's advice and often times that is recommended A nice benefit of getting free rate quotes online is you may find cheap car insurance quotes but still work with a licensed agent. Buying from and supporting neighborhood agents is still important in Reno.

Insurance agents in RenoBy using this simple form, the quote information is submitted to insurance agents in Reno who will give you quotes and help you find cheaper coverage. There is no reason to drive around due to the fact that quote results will go to your email. You can find better rates without having to waste a lot of time. In the event you want to get a price quote from one company in particular, you would need to find their quoting web page and submit a quote form there.

If you are wanting to find a reputable insurance agent or broker, there are a couple of types of insurance agents and how they work. Agents are considered either independent or exclusive depending on the company they work for.

Independent Car Insurance Agencies

Agents that elect to be independent do not have single company limitations so they can insure your vehicles with a variety of different insurance companies and potentially find a lower price. If premiums increase, your agent can just switch to a different company without you having to go to a different agency.

When shopping rates, you absolutely need to contact multiple independent agents for the best price selection. They often place coverage with lesser-known insurance companies that may provide cheaper car insurance rates.

The following is a partial list of independent agents in Reno that can give you free car insurance rate quotes.

View more Reno agents

Exclusive Car Insurance Agencies

These type of agents can only provide pricing for a single company and examples are AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents are unable to compare rates from other companies so they really need to provide good service. They receive a lot of sales training on the products they sell which helps overcome the inability to quote other rates. Consumers frequently purchase coverage from exclusives partially due to the brand name rather than low rates.

Listed below is a short list of exclusive agencies in Reno who can help you get price quotes.

View more Reno agents

Selecting an auto insurance agent should include more criteria than just the quoted price. You should also get answers to these questions.

The coverage is in the details

Understanding the coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Auto collision coverage

This covers damage to your Silverado from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as colliding with another moving vehicle, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible on your Silverado to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, damage from getting keyed, damage from flooding and hitting a deer. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Liability car insurance

This provides protection from damage that occurs to a person or their property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 15/30/10 which stand for $15,000 in coverage for each person's injuries, a per accident bodily injury limit of $30,000, and a limit of $10,000 paid for damaged property. Another option is a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims such as repair costs for stationary objects, emergency aid and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible. Nevada state minimum liability requirements are 15/30/10 but you should think about purchasing more coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for ambulance fees, doctor visits and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your Chevy Silverado.

Since many Nevada drivers only carry the minimum required liability limits (which is 15/30/10), it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Frequently these coverages are identical to your policy's liability coverage.

Persistence will pay off

We've covered quite a bit of information on how to find lower-cost Chevy Silverado insurance in Reno. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Consumers could even find that the best price on auto insurance is with a company that doesn't do a lot of advertising.

Affordable Chevy Silverado insurance in Reno is attainable from both online companies and also from your neighborhood Reno agents, and you should compare rates from both in order to have the best chance of saving money. A few companies may not have internet price quotes and many times these small insurance companies sell through independent insurance agencies.

Consumers switch companies for many reasons like policy cancellation, extreme rates for teen drivers, high rates after DUI convictions and unfair underwriting practices. No matter why you want to switch, choosing a new insurance company is pretty easy and you might even save some money in the process.

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