Finding economical insurance for a Chevy Silverado in Missouri relies on a lot of factors such as how long your commute is, the likelihood of your vehicle being stolen, and physical damage deductibles. Drivers pay approximately $945 annually to insure their Silverado, but that cost is an estimate calculated based on a 50-year-old single female driver with full physical damage coverage and $250 deductibles.
Most likely you are not 50 and maybe not even a female, maybe you are married instead of single, and maybe you want different deductibles. Having what appears to be a very minor change in the rating criteria used to formulate rates could end up in a significant change in policy price.
The different assumptions illustrate why the best method for finding cheap auto insurance rates for your Chevrolet is to put in the effort to do a thorough rate comparison. In less than five minutes you will receive price comparisons from some of the most affordable companies that insure Chevrolet vehicles in Missouri.
Vehicle trim level has an effect on the annual cost of coverage, so the price you will pay to insure a Silverado LS Regular Cab 2WD trim level will be $198 cheaper than the cost to insure the high end Silverado Crew Cab Hybrid 4WD model, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Silverado LS Regular Cab 2WD||$154||$280||$340||$20||$102||$896||$75|
|Silverado LS Regular Cab 4WD||$154||$280||$302||$18||$90||$844||$70|
|Silverado LT Regular Cab 2WD||$176||$340||$340||$20||$102||$978||$82|
|Silverado LT Regular Cab||$176||$340||$340||$20||$102||$978||$82|
|Silverado LS Extended Cab 4WD||$176||$340||$302||$18||$90||$926||$77|
|Silverado LT Extended Cab 4WD||$176||$340||$302||$18||$90||$926||$77|
|Silverado LT Extended Cab 2WD||$176||$340||$340||$20||$102||$978||$82|
|Silverado LS Extended Cab 2WD||$176||$340||$340||$20||$102||$978||$82|
|Silverado LT Crew Cab 4WD||$200||$400||$302||$18||$90||$1,010||$84|
|Silverado LS Crew Cab 2WD||$200||$400||$340||$20||$102||$1,062||$89|
|Silverado LS Crew Cab 4WD||$200||$400||$302||$18||$90||$1,010||$84|
|Silverado LT Crew Cab 2WD||$200||$400||$340||$20||$102||$1,062||$89|
|Silverado LTZ Extended Cab 2WD||$200||$400||$340||$20||$102||$1,062||$89|
|Silverado LTZ Extended Cab 4WD||$200||$400||$302||$18||$90||$1,010||$84|
|Silverado LTZ Crew Cab 2WD||$200||$400||$340||$20||$102||$1,062||$89|
|Silverado LTZ Crew Cab 4WD||$200||$400||$302||$18||$90||$1,010||$84|
|Silverado Crew Cab Hybrid 2WD||$200||$462||$302||$18||$90||$1,072||$89|
|Silverado Crew Cab Hybrid 4WD||$222||$462||$302||$18||$90||$1,094||$91|
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Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Estimates do not factor in specific zip code location which can impact auto insurance rates considerably.
Best car insurance company in Missouri
Finding the right auto insurance provider can be challenging considering how many different companies insure vehicles in Kansas City. The ranking data in the lists below could help you analyze which car insurance providers to look at comparing rates with.
These ratings include companies with a nationwide focus, so companies that may only write in Missouri will not be included in these rankings. To get price quotes from the insurers below and more, follow this link.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Car insurance rates are higher with tickets and accidents
In a perfect world, the ideal way to enjoy good car insurance prices for a Silverado pickup is to drive carefully and not receive tickets or have accidents. The information below shows how speeding tickets and at-fault claims can affect insurance prices for each age group. The information is based on a single male driver, comp and collision included, $100 deductibles, and no discounts are factored in.
In the example above, the average cost of a car insurance policy per year with a clean driving record and no accidents is $1,914. Get two speeding tickets and the average cost rises to $2,536, an increase of $621 each year. Now include two accidents along with the two speeding tickets and the annual cost of car insurance for a Chevy Silverado goes up to an average of $4,816. That’s an increase of $2,902, or $242 per month, just for not being a responsible driver!
Low rates today, overpriced tomorrow
Missouri car insurance rates are influenced by many factors that control the price you pay. Simply having a birthday, having a teenage driver, or having an accident may generate price changes that can cause some rates to be cheaper than before. Also, insurance companies modify rates without warning to ensure their profitability. An extended period of higher than normal claims may result in a rate increase, while a profitable period may cause cheaper Silverado insurance rates.
The data below shows which company has the cheapest car insurance in Kansas City, MO for a 45-year-old male driver with no accidents or violations, and solid credit. When comparing rates based on his personal risk profile, USAA might quote the lowest car insurance rates in Kansas City at $793 each year. This is $469 less than the average rate paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Travelers are the rest of the most affordable Kansas City, MO auto insurance companies.
In this example, we will give the driver in the first chart some claims, a little lower credit rating, and a traffic ticket or two. Since every insurance provider has their own process to set their prices, comparing rates could result in a new list of affordable companies as shown below.
Auto-Owners now has the best auto insurance rate in Kansas City with The Hartford, Nationwide, Farmers, and Electric also being competitive. This example demonstrates why it is critical to do a thorough rate comparison when trying to get affordable auto insurance rates for a Chevy Silverado.
Auto insurance prices are determined by many factors and can increase or decrease at any time, so the best company a year ago may now be quite expensive.
Ideas for buying the cheapest insurance for a Chevy Silverado
Lowering your rates is not difficult, and here are a few penny-pinching ideas that can help Missouri drivers locate lower-cost auto insurance.
- Do not get traffic tickets
- Drivers with good credit often pay less
- Full coverage is expensive so only insure older vehicles for liability only
- Being accident-free can lower rates significantly
- Buy a vehicle with excellent safety ratings
- Raise your deductibles
- Compare rates once a year for cheaper prices
The last idea is certainly vital, as we emphasized in the prior article. Prices charged by auto insurers vary greatly, so drivers shouldn’t hesitate to switch to a new company 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 several hundred dollars every year. Take a few minutes and compare rates and find cheaper auto insurance for a Chevy Silverado in Kansas City.
If you like to have some professional guidance when trying to find lower insurance rates for a Silverado pickup, the agents below are a good start to aid you in deciding which coverage fits your budget. To find a Kansas City insurance agent by location nearest to you, click the button link following the list.
- Jesse Valenciano State Farm®
7932 N Oak Trafficway #208 – Kansas City, MO 64118 – (816) 436-3004
- State Farm: Bret Ohlhausen
8549 N Church Rd – Kansas City, MO 64157 – (816) 781-4960
- Farmers Insurance – Tim Presko
7817 N Oak Trafficway – Kansas City, MO 64118 – (816) 436-6000
- Chris Jones Insurance Agency
435 Nichols Rd #200 Kansas City, MO 64112 – Kansas City, MO 64112 – (816) 479-0212
- Northland Independent Insurance Group
5575 NW Barry Rd – Kansas City, MO 64154 – (816) 587-1826