Find Affordable Chevy Silverado Insurance in Irvine

A recent survey discovered that the vast majority of auto insurance customers kept buying from the same company for over three years, and nearly the majority have never compared rates to find affordable insurance. Many consumers in Irvine can cut their rates by almost $469 a year by just shopping around, but most undervalue how much they could save if they switched.

Discount Chevy Silverado insuranceIt takes a little time, but the best way to save on car insurance rates in Irvine is to compare quotes annually from different companies that sell auto insurance in California. Rates can be compared by following these guidelines.

The key aspect of shopping around is that you use identical coverage information on each quote request and and to compare as many companies as you can. This guarantees a fair price comparison and maximum price selection.

Buying the cheapest car insurance in Irvine can be easy if you know a few tricks. If you have insurance now, you will definitely be able to find the best rates using the ideas covered in this article. But California car owners can benefit by having an understanding of how the larger insurance companies determine prices because it can help you find the best coverage.

Auto insurance providers offering affordable price quotes in California

The companies shown below are our best choices to provide price comparisons in Irvine, CA. In order to find cheaper car insurance in Irvine, we suggest you visit two to three different companies to get a more complete price comparison.

Analysis of coverages

The rate information displayed next highlights detailed analysis of insurance premium costs for Chevy Silverado models. Learning as much as possible about how insurance quotes are formulated can be useful when making informed decisions when shopping around for a new policy.

Chevrolet Silverado Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado LS Regular Cab 2WD $256 $464 $524 $32 $156 $1,432 $119
Silverado LS Regular Cab 4WD $256 $464 $464 $28 $138 $1,350 $113
Silverado LT Regular Cab 2WD $294 $564 $524 $32 $156 $1,570 $131
Silverado LT Regular Cab $294 $564 $524 $32 $156 $1,570 $131
Silverado LS Extended Cab 4WD $294 $564 $464 $28 $138 $1,488 $124
Silverado LT Extended Cab 4WD $294 $564 $464 $28 $138 $1,488 $124
Silverado LT Extended Cab 2WD $294 $564 $524 $32 $156 $1,570 $131
Silverado LS Extended Cab 2WD $294 $564 $524 $32 $156 $1,570 $131
Silverado LT Crew Cab 4WD $332 $664 $464 $28 $138 $1,626 $136
Silverado LS Crew Cab 2WD $332 $664 $524 $32 $156 $1,708 $142
Silverado LS Crew Cab 4WD $332 $664 $464 $28 $138 $1,626 $136
Silverado LT Crew Cab 2WD $332 $664 $524 $32 $156 $1,708 $142
Silverado LTZ Extended Cab 2WD $332 $664 $524 $32 $156 $1,708 $142
Silverado LTZ Extended Cab 4WD $332 $664 $464 $28 $138 $1,626 $136
Silverado LTZ Crew Cab 2WD $332 $664 $524 $32 $156 $1,708 $142
Silverado LTZ Crew Cab 4WD $332 $664 $464 $28 $138 $1,626 $136
Silverado Crew Cab Hybrid 2WD $332 $764 $464 $28 $138 $1,726 $144
Silverado Crew Cab Hybrid 4WD $370 $764 $464 $28 $138 $1,764 $147
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Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Estimates do not factor in your specific Irvine location which can decrease or increase auto insurance rates considerably.

The chart below demonstrates how deductibles and can change Chevy Silverado insurance costs for different age categories. The rates are based on a single female driver, comp and collision included, and no discounts are applied.

Full coverage rates vs. liability-only

The chart below compares Chevy Silverado auto insurance rates with liability coverage only compared to full coverage. The information is based on no claims or driving violations, $500 deductibles, single marital status, and no discounts are taken into consideration.

Should you pay for full coverage or liability only?

There isn’t a written rule of when to phase out physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is 10% or more of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

For example, let’s assume your Chevy Silverado book value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $7,000 after paying your policy deductible. If you are paying over $700 a year for physical damage coverage, then it might be time to consider dropping full coverage.

There are some circumstances where only buying liability is not a good plan. If you still owe money on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not drop full coverage.

Determine discounts on Irvine car insurance

Companies that sell car insurance don’t always publicize the complete list of policy discounts in an easy-to-find place, so the list below details some of the best known as well as the least known discounts that may be available.Cheaper car insurance with discounts

It’s important to note that some of the credits will not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, companies don’t profit that way.

The chart below shows the comparison of Chevy Silverado car insurance rates with and without discounts applied to the premium. The data is based on a female driver, no claims, a clean driving record, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, safe-driver, multi-policy, marriage, and multi-car discounts applied.

Large car insurance companies and some of their more popular discounts can be read below.

It’s a good idea to ask every insurance company how many discounts you can get. Some discounts might not be offered on policies in every state. To find car insurance companies that offer the discounts shown above in Irvine, click here to view.

Independent and exclusive insurance agencies

Many people just want to buy from a licensed agent and that can be a smart move A nice benefit of getting free rate quotes online is you can get the best rates but also keep your business local.

Insurance agents in IrvineTo make it easy to find an agent, after completing this simple form, your insurance data is instantly submitted to insurance agents in Irvine who will give you bids and help you find cheaper coverage. You never need to search for any insurance agencies as quotes are delivered to your email. Get lower rates AND a local agent. If you need to compare rates from a specific car insurance provider, feel free to visit that company’s website to submit a rate quote request.

Finding the right insurer requires you to look at more than just the price. The questions below may impact your decision as well.

Irvine auto insurance agents are either independent or exclusive

If you want to buy car insurance from a reputable insurance agent or broker, it can be helpful to understand the types of insurance agents and how they can service your needs differently. Agencies in Irvine are either exclusive or independent agents depending on their company appointments.

Exclusive Agencies

Agents of this type can only quote rates from one company and some examples include AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents are unable to compare other company’s rates so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are highly trained on sales techniques which helps overcome the inability to quote other rates.

Shown below are exclusive insurance agents in Irvine who can help you get comparison quotes.

4482 Barranca Pkwy #224Irvine, CA 92604(949) 552-6601View Map

2151 Michelson Dr #242Irvine, CA 92612(949) 752-6335View Map

1442 Irvine Blvd #204Tustin, CA 92780(714) 734-8300View Map

More Irvine agents

Independent Agents

Independent agents are normally appointed by many insurers and that gives them the ability to insure with many different companies and find you cheaper rates. To move your coverage to a new company, your agent can just switch to a different company which requires no work on your part.

When comparison shopping, you will definitely want to include rate quotes from several independent insurance agents to get the most accurate price comparison.

Listed below are Irvine independent insurance agencies that can give you comparison quotes.

Sentry Insurance – Irvine
16815 Von Karman Ave #200Irvine, CA 92606(949) 930-6100View Map

24 Executive Park Suite 250Irvine, CA 92614(888) 546-5118View Map

2151 Michelson Dr Suite 250Irvine, CA 92612(714) 467-8726View Map

More Irvine agents

After you get acceptable answers to any questions you may have as well as an affordable premium quote, you have narrowed it down to an insurance agent that meets the requirements to properly service your car insurance policy.

Auto insurance specifics

Knowing the specifics of your policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverages available from auto insurance companies.

Coverage for liability – This can cover injuries or damage you cause to people or other property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 15/30/5 which means $15,000 bodily injury coverage, a limit of $30,000 in injury protection per accident, and a total limit of $5,000 for damage to vehicles and property.

Liability coverage protects against claims such as funeral expenses, attorney fees, medical expenses, emergency aid and loss of income. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford. California state law requires minimum liability limits of 15/30/5 but you should consider buying higher limits.

The next chart demonstrates why minimum state limits may not be high enough to cover claims.

Collision coverage – Collision insurance covers damage to your Silverado from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like hitting a parking meter, sustaining damage from a pot hole, colliding with another moving vehicle, sideswiping another vehicle and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible on your Silverado to get cheaper collision coverage.

Medical expense insurance – Med pay and PIP coverage reimburse you for expenses like nursing services, rehabilitation expenses, surgery, funeral costs and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as fire damage, a broken windshield and falling objects. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your Chevy Silverado.

Due to the fact that many California drivers have only the minimum liability required by law (15/30/5 in California), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Car insurance company ratings

Picking the top auto insurance provider is difficult considering how many companies sell insurance in Irvine. The ranking information shown next could help you select which companies you want to consider when comparing rates.

Top 10 Irvine Car Insurance Companies Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. AAA of Southern California
  5. Titan Insurance
  6. The General
  7. AAA Insurance
  8. State Farm
  9. Mercury Insurance
  10. Nationwide

Affordable insurance is out there

In this article, we presented many ways to get a better price on Chevy Silverado insurance in Irvine. The key thing to remember is the more providers you compare, the higher the chance of saving money. Consumers may even find the best premium rates are with a company that doesn’t do a lot of advertising. Smaller companies may only write in your state and offer lower prices as compared to the big name companies such as State Farm or Progressive.

When buying insurance coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. In too many instances, an insured dropped full coverage only to find out that the few dollars in savings costed them thousands. Your objective should be to buy enough coverage at the best price and still be able to protect your assets.

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