Insurance rates Chevy Silverado in Las VegasAre you burned out from scraping nickels together to pay your car insurance bill each month? Your situation is no different than most other consumers in Nevada.

Statistics show that almost 70% of drivers kept their policy with the same company for four years or more, and almost 40% of drivers have never compared car insurance rates at all. Consumers in Las Vegas could cut their rates by as much as $545 a year just by getting comparison quotes, but they just feel it's too hard to compare rates online. Lots of auto insurance companies contend for your hard-earned dollar, and it can be difficult to compare rates to find the absolute best price available on Chevy Silverado insurance in Las Vegas.

If you have coverage now or just want to reduce your rates, follow these tips to get lower rates without reducing protection. Choosing the most cost-effective insurance policy in Las Vegas is much easier if you know where to start. Smart buyers only need an understanding of the most efficient way to compare price quotes over the internet.

Companies offering Chevy Silverado insurance in Las Vegas

The companies in the list below provide free quotes in Nevada. If several companies are displayed, we suggest you visit as many as you can to find the lowest auto insurance rates.

Chevrolet Silverado Insurance Rates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado LS Regular Cab 2WD $178 $340 $394 $24 $118 $1,054 $88
Silverado LS Regular Cab 4WD $198 $386 $324 $20 $96 $1,024 $85
Silverado LT Regular Cab 2WD $302 $478 $456 $26 $136 $1,398 $117
Silverado LT Regular Cab $134 $232 $358 $22 $108 $854 $71
Silverado LS Extended Cab 4WD $266 $478 $308 $18 $92 $1,162 $97
Silverado LT Extended Cab 4WD $204 $394 $324 $20 $96 $1,038 $87
Silverado LT Extended Cab 2WD $258 $470 $356 $22 $106 $1,212 $101
Silverado LS Extended Cab 2WD $258 $470 $356 $22 $106 $1,212 $101
Silverado LT Crew Cab 4WD $258 $554 $324 $20 $96 $1,252 $104
Silverado LS Crew Cab 2WD $210 $402 $334 $20 $100 $1,066 $89
Silverado LS Crew Cab 4WD $306 $472 $404 $24 $120 $1,326 $111
Silverado LT Crew Cab 2WD $210 $402 $334 $20 $100 $1,066 $89
Silverado LTZ Extended Cab 2WD $190 $298 $456 $26 $136 $1,106 $92
Silverado LTZ Extended Cab 4WD $260 $464 $314 $18 $94 $1,150 $96
Silverado LTZ Crew Cab 2WD $258 $534 $452 $26 $136 $1,406 $117
Silverado LTZ Crew Cab 4WD $218 $382 $308 $18 $92 $1,018 $85
Silverado Crew Cab Hybrid 2WD $168 $364 $290 $18 $86 $926 $77
Silverado Crew Cab Hybrid 4WD $210 $430 $324 $20 $96 $1,080 $90
Get Your Own Custom Quote Go

Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Price information does not factor in specific location information which can lower or raise coverage rates greatly.

Chevrolet Silverado liability rates compared to full coverage

The chart below shows the difference between Chevrolet Silverado car insurance costs when comparing full coverage to state minimum liability only. Data assumes no violations or claims, $1,000 deductibles, married male driver, and no other discounts are factored in.

When to stop buying comprehensive and collision coverage

There is no clear-cut formula to stop paying for full coverage, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let's pretend your Chevrolet Silverado book value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $2,000 after paying your policy deductible. If you are paying more than $200 a year for full coverage, the it may be a good time to stop paying for full coverage.

There are some scenarios where buying only liability insurance is not advised. If you still have a loan on your vehicle, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not opt for liability only.

How to Lower Your Insurance Premiums

Many factors are taken into consideration when you get your auto insurance bill. A few of the factors are predictable like your driving record, although some other factors are more transparent like where you live or your financial responsibility.

Companies offer many types of discounts on Chevy Silverado insurance in Las Vegas

Auto insurance companies don't list all discounts very well, so we researched a few of the more well known in addition to some of the lesser obvious discounts that you can inquire about if you buy Las Vegas car insurance online. If you don't get every credit possible, you may be paying too high a price.Discount insurance

Consumers should know that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce individual premiums such as comp or med pay. Even though the math looks like all those discounts means the company will pay you, companies don't profit that way. Any qualifying discounts will bring down your policy premium.

Companies and their possible discounts are outlined below.

When comparing rates, check with every company how you can save money. A few discounts might not be offered in Las Vegas.

Insurance agents are trained to help

Some people would rather go talk to an agent and that is recommended in a lot of cases Licensed agents can make sure you are properly covered and will help you if you have claims. An additional benefit of getting free rate quotes online is you may find cheap insurance quotes and also buy local.

Insurance agents in Las VegasAfter filling out this form (opens in new window), the quote information gets sent to companies in Las Vegas who can give free rate quotes to get your business. It simplifies rate comparisons since you won't have to visit any agencies because quoted prices will be sent straight to your inbox. In the event you want to compare rates from a specific insurance provider, you just need to navigate to their website and fill out the quote form the provide.

Finding the right company should include more criteria than just the quoted price. Before buying a policy in Las Vegas, get answers to these questions.

How to choose the best auto insurance agent in Las Vegas

When narrowing the list to find a local agent, it's helpful to know the different types of agencies that differ in how they can insure your vehicles. Insurance agents in Las Vegas are classified as either independent or exclusive depending on the company they work for. Either can insure your vehicles properly, but we need to point out the difference in the companies they write for since it could factor into your agent selection.

Exclusive Insurance Agencies

Agents in the exclusive channel can usually just insure with one company and some examples include State Farm, Allstate, or Farmers Insurance. These agents are unable to place coverage with different providers so keep that in mind. Exclusive agents are usually quite knowledgeable on what they offer which helps them sell on service rather than price.

Shown below is a list of exclusive insurance agents in Las Vegas who can help you get comparison quotes.

7455 W Azure Dr Suite 110 - Las Vegas, NV 89130 - (702) 562-7504 - View Map

Tom Ferrier - State Farm Insurance Agent
7528 Westcliff Dr - Las Vegas, NV 89145 - (702) 255-7770 - View Map

Marivic Macabasco - State Farm Insurance Agent
1096 E Sahara Ave #207 - Las Vegas, NV 89104 - (702) 892-9908 - View Map

View more Las Vegas agents

Independent Agents

Independent insurance agents are not employed by one company and that enables them to quote your coverage through many companies and potentially find a lower price. If they quote lower rates, they simply move your policy to a different company without you having to go to a different agency.

When comparing insurance rates, you absolutely need to include several independent insurance agents to get the most accurate price comparison.

Shown below are Las Vegas independent insurance agencies who can help you get rate quotes.

3970 N Tenaya Way #110 - Las Vegas, NV 89129 - (725) 696-7707 - View Map

1081 S Cimarron Rd, Ste B56 - Las Vegas, NV 89145 - (702) 613-0000 - View Map

3085 S Jones Blvd - Las Vegas, NV 89146 - (702) 477-7776 - View Map

View more Las Vegas agents

Is there truth in advertising?

Consumers get pounded daily by advertisements that promise big savings for switching by Allstate and Progressive. They all seem to make the promise that drivers will save a bundle if you move your policy.

How is it possible that every company can claim to save you money?

Insurance companies provide the lowest rates for the driver that earns them a profit. An example of a profitable customer should be a married male, is a homeowner, and insures a new vehicle. A driver that fits those parameters receive the lowest rate quotes in Las Vegas and have a good chance to save money with a new company.

Potential insureds who don't measure up to this stringent profile will have to pay a higher premium which results in business going elsewhere. If you listen to the ad wording, they say "drivers that switch" not "all people who quote" save the amount stated. This is how companies can truthfully claim big savings. This emphasizes why you should compare rate quotes every year. It's just too difficult to predict which insurance company will have the lowest rate quotes.

Which is the best insurance?

When it comes to choosing adequate coverage for your vehicles, there really is not a perfect coverage plan. Each situation is unique.Insurance savings

For instance, these questions could help you determine whether or not you would benefit from professional advice.

If you don't know the answers to these questions, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form. It's fast, doesn't cost anything and can help protect your family.

One last thing to lower rates

Lower-priced auto insurance in Las Vegas is possible both online as well as from insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance providers don't offer online price quotes and many times these regional insurance providers prefer to sell through independent insurance agents.

You just read quite a bit of information on how to shop for Chevy Silverado insurance online. The key thing to remember is the more you quote Las Vegas car insurance, the higher the chance of saving money. You may even discover the lowest prices come from a company that doesn't do a lot of advertising.

Drivers switch companies for any number of reasons including denial of a claim, delays in paying claims, extreme rates for teen drivers and lack of trust in their agent. It doesn't matter why you want to switch finding a new company is pretty simple and you could end up saving a buck or two.

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