Do you need a fast way to compare more competitive Chevy Silverado insurance in Fort Collins? Are you at wits end from scraping the payment together to insure your Chevy every month? You are no different than millions of other drivers.
Shocking but true, 70% of consumers have stayed with the same insurance company for at least the last four years, and approximately 38% of consumers have never compared rates from other carriers. With the average car insurance premium being $1,800, Fort Collins drivers could cut their rates by as much as 35% a year just by comparing rates, but most undervalue how much they could save if they replace their high priced policy.
Because you have many insurance providers from which to choose, it is hard for the average consumer to pick the most affordable company.
It is always a good idea to price shop coverage every six months due to the fact that insurance prices tend to go up over time. If you had the best deal on Chevy Silverado insurance in Fort Collins a year ago you can probably find a better rate quote now. Forget anything you know (or think you know) about car insurance because it's time to teach you the best way to find better rates and still maintain coverage.
Companies offering Chevy Silverado insurance in Fort Collins
The auto insurance companies shown below are our best choices to provide quotes in Colorado. If multiple providers are shown, we recommend you click on several of them to get the lowest price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Silverado LS Regular Cab 2WD||$112||$196||$374||$22||$112||$816||$68|
|Silverado LS Regular Cab 4WD||$126||$232||$368||$22||$110||$858||$72|
|Silverado LT Regular Cab 2WD||$172||$314||$382||$22||$114||$1,004||$84|
|Silverado LT Regular Cab||$208||$380||$374||$22||$112||$1,096||$91|
|Silverado LS Extended Cab 4WD||$172||$314||$338||$20||$100||$944||$79|
|Silverado LT Extended Cab 4WD||$162||$282||$358||$22||$108||$932||$78|
|Silverado LT Extended Cab 2WD||$246||$420||$408||$24||$122||$1,220||$102|
|Silverado LS Extended Cab 2WD||$168||$288||$396||$24||$118||$994||$83|
|Silverado LT Crew Cab 4WD||$342||$644||$352||$20||$106||$1,464||$122|
|Silverado LS Crew Cab 2WD||$350||$538||$520||$30||$156||$1,594||$133|
|Silverado LS Crew Cab 4WD||$214||$448||$396||$24||$118||$1,200||$100|
|Silverado LT Crew Cab 2WD||$190||$340||$396||$24||$118||$1,068||$89|
|Silverado LTZ Extended Cab 2WD||$334||$740||$480||$28||$144||$1,726||$144|
|Silverado LTZ Extended Cab 4WD||$294||$662||$396||$24||$118||$1,494||$125|
|Silverado LTZ Crew Cab 2WD||$162||$332||$448||$26||$134||$1,102||$92|
|Silverado LTZ Crew Cab 4WD||$162||$332||$368||$22||$110||$994||$83|
|Silverado Crew Cab Hybrid 2WD||$262||$614||$330||$20||$98||$1,324||$110|
|Silverado Crew Cab Hybrid 4WD||$368||$726||$358||$22||$108||$1,582||$132|
|Get Your Own Custom Quote Go|
Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can alter rates noticeably.
Higher deductibles save money
The information below demonstrates how deductible levels and can affect Chevrolet Silverado annual premium costs for each age group. The price estimates are based on a married male driver, comprehensive and collision coverage, and no discounts are applied.
Bad driving habits will cost you more
The information below illustrates how speeding tickets and at-fault claims can affect Chevrolet Silverado insurance costs for different insured age categories. The rate quotes are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.
Full coverage versus liability only rates
The information below visualizes the comparison of Chevrolet Silverado insurance costs with full phyical damage coverage and with liability coverage only. The premiums are based on no violations or claims, $500 deductibles, married male driver, and no policy discounts are applied.
When to stop paying for full coverage
There is no exact rule of when to exclude physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
For example, let's say your Chevrolet Silverado book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, you would only receive $2,000 after you pay the deductible. If you are paying in excess of $200 a year for physical damage coverage, then you might want to consider buying only liability coverage.
There are some circumstances where dropping full coverage is not advised. If you haven't paid off your loan, you have to carry full coverage as part of the loan conditions. Also, if you can't afford to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.
Lower your auto insurance rates with discounts
Companies that sell car insurance don't list all possible discounts very clearly, so we break down a few of the more well known as well as some of the hidden credits that you can use to lower your rates.
- Discounts for Multiple Vehicles - Buying a policy with primary and secondary vehicles on a single policy qualifies for this discount.
- Theft Deterrent System - Vehicles that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
- Drivers Education - Have your child take driver's ed class in school or through a local driver safety program.
- Buy New and Save - Buying a new car model can save up to 30% because new vehicles have to meet stringent safety requirements.
- Discount for Life Insurance - If the company offers life insurance, you could get a discount if you purchase some life insurance too.
You can save money using discounts, but most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce specific coverage prices like comp or med pay. If you do the math and it seems like all those discounts means the company will pay you, nobody gets a free ride.
To locate insurance companies that provide some of the discounts listed above in Colorado, click this link.
Insurance agencies near you
Some people would rather buy from a licensed agent and doing that can be a smart decision One of the great benefits of comparing rate quotes online is the fact that you can find cheap car insurance quotes and still have a local agent. And supporting small agencies is important particularly in Fort Collins.
After completing this quick form, your insurance data is instantly submitted to local insurance agents who want to provide quotes for your insurance coverage. There is no need to find an agent due to the fact that quote results will go immediately to you. You can find the lowest rates without the usual hassles of price shopping. If you need to quote rates from a particular provider, just jump over to their website and give them your coverage information.
If you are wanting to purchase car insurance from a reliable agent, it's important to understand the different types of agencies and how they differ in how they can insure your vehicles. Car insurance agencies are considered either independent agents or exclusive agents depending on their employer.
Independent Agencies or Brokers
Independent insurance agents often have affiliation with several companies and that allows them to write policies with any number of different companies enabling the ability to shop coverage around. If they quote lower rates, they simply switch companies in-house and you don't have to find a new agent.
If you are comparing rate quotes, you should always get insurance quotes from at a minimum one independent agency for the best price selection.
Shown below is a partial list of independent insurance agencies in Fort Collins that can possibly get you pricing information.
Exclusive Car Insurance Agents
These type of agents can only quote rates from one company and examples are State Farm, AAA, and Liberty Mutual. Exclusive agencies are unable to compare other company's rates so if the price isn't competitive there isn't much they can do. They are well schooled on their company's products and that can be a competitive advantage.
Below are Fort Collins exclusive insurance agents who can help you get price quotes.
American Family Insurance - Lesa Ringkjob Agency Inc
375 E Horsetooth Rd Bldg 6100 - Fort Collins, CO 80525 - (970) 223-0940 - View Map
Finding the right insurance agency requires more thought than just a cheap price quote. These are some questions you should get answers to.
- When do they do a full risk review?
- Can glass repairs be made at your home?
- Are there any extra charges for paying monthly?
- Can you choose the body shop in case repairs are needed?
- Is working in the agency their full-time job?
Persistence pays off
We've covered some good ideas how you can save on Chevy Silverado insurance in Fort Collins. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your prices. You may even find the lowest priced auto insurance comes from an unexpected company. These companies can often insure niche markets at a lower cost compared to the large companies like GEICO and State Farm.
Some auto insurance companies do not offer rate quotes online and usually these smaller providers provide coverage only through independent agents. Discount Chevy Silverado insurance is attainable online in addition to many Fort Collins insurance agents, and you should be comparing both to have the best chance of lowering rates.
More information can be read at the links below
- Child Safety FAQ (iihs.org)
- Who Has Affordable Colorado Car Insurance for Drivers Over Age 60? (FAQ)
- What is the Cheapest Auto Insurance in Lakewood, Colorado? (FAQ)
- How Much are Colorado Auto Insurance Rates for Police Officers? (FAQ)
- Who Has Cheap Colorado Auto Insurance for Infrequent Drivers? (FAQ)
- What Auto Insurance is Cheapest for Single Moms in Colorado? (FAQ)
- How Much are Colorado Auto Insurance Quotes for Drivers with a Bad Driving Record? (FAQ)
- What Car Insurance is Cheapest for 18 Year Olds in Colorado? (FAQ)
- Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
- What is a Telematics Device? (Allstate)
- Think You're a Safe Driver? (State Farm)
- Teen Driving Statistics (iihs.org)