Cheapest Insurance for a Chevrolet Silverado in Rhode Island

When discussing car insurance, the word “cheap” should not be used anywhere to describe car insurance prices. Nonetheless, cheap auto insurance for a Chevy Silverado is not always easy to find. Don’t let that get you down, though, because we can show you some ways you can still get coverage that is more affordable.

Your odds of finding cheaper auto insurance for a Chevy Silverado in Rhode Island relies on a complex rating formula that takes into consideration things such as how long your commute is, if you have a lapse in coverage, and your driving record. Rhode Island drivers will pay on average $1,610 a year to buy insurance for a Chevrolet Silverado, but that is an estimation rating a 40-year-old single male driver that includes full coverage including both comprehensive and collision and $250 deductibles.

When projecting a rate like this, the problem is that you are not exactly 40 years old and possibly not even male, possibly married instead of single, or maybe you want different physical damage deductibles. There is no one cookie-cutter policy that works for everyone, so the best method for finding cheap insurance rates for your Chevrolet is to take your time and compare rates from as many companies as possible. In less than five minutes you can get rates from the cheapest companies available.

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The trim level of your Chevrolet can impact the cost of insurance, so the price you pay to insure a Silverado LS Regular Cab 2WD will be $356 cheaper than the cost to insure the more expensive Silverado Crew Cab Hybrid 4WD model, as demonstrated by the prices below.

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Rhode Island minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Premium costs do not factor in your specific Rhode Island location which can affect auto insurance rates noticeably.

Finding dependable, affordable car insurance is not most people’s favorite thing to do, and deciding which companies offer the cheapest car insurance rates for a Chevy Silverado requires even more diligence. Every car insurance company has their own process to determine rates, so we’ll go over the car insurance companies that tend to have lower prices in Rhode Island.

It’s a good idea to be aware that Rhode Island car insurance rates are calculated based on many things which can significantly increase or decrease the price you have to pay. Simply having a birthday, buying a safer car, or having a fender bender can trigger price changes that can cause some rates to be much higher than others.

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USAA offers some of the best car insurance rates in Rhode Island at around $698 annually. State Farm, Travelers, Progressive, and Amica also qualify as some of the more affordable Rhode Island auto insurance companies.

In the above rates, if you are insured with Progressive and switched to USAA, you could earn yearly savings of approxmiately $801. Customers with Amica may save as much as $814 a year, and Quincy Mutual customers might lower prices by $929 a year.

To find out how much you can save, click here to begin a quote or visit any of the companies below.

Remember that these policy prices are averaged across all insureds and vehicles and do not factor in a specific rate factor for a Chevy Silverado. So the auto insurance company that can offer you the lowest price may not even be in the company chart above. That point stresses why you need to compare rates from multiple companies using your own specific driver information and vehicle.

Drive responsibly or pay higher rates

The ideal way to get the most affordable car insurance premiums for a Silverado pickup is to drive safely and not get tickets or have accidents. The illustration below illustrates how traffic citations and at-fault claims impact yearly insurance costs for each different age group. The premiums are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.

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In the example above, the average cost of auto insurance per year with no accidents and a clean driving record is $2,296. Add in one speeding ticket and the average cost surges to $2,590, an increase of $293 each year. Then add in two accidents along with the one speeding ticket and the annual cost of car insurance for a Chevy Silverado goes up to an average of $5,201. That’s an increase of $2,905, or $242 per month, just for not keeping your driving record clean!

Find the cheapest insurance for a Chevy Silverado in Rhode Island

It is possible to find better rates, and here are some of the better penny-pinching ideas that can help you get low-cost car insurance.

• Bundle home and auto and save
• Prevent price hikes by avoiding at-fault accidents
• Do not get traffic citations
• Buy safe vehicles
• Assess whether full coverage is needed
• Frequent claims may make car insurance unaffordable
• Compare prices frequently to find the best deal

The last idea is particularly important, as we hit on in the prior article. Auto insurance prices in Rhode Island vary considerably, so don’t be hesitant to switch companies if a lower price can be found. Staying with the same car insurance company is fine, but it’s not a great idea if your bullheadedness ends up costing you money that could be used for better things. Take a few minutes and shop around to find cheaper insurance for a Chevy Silverado.