Compare Chevy Silverado Insurance Quotes in Portland

Discount Chevy Silverado insuranceWould you like an easy way to compare low-cost Chevy Silverado insurance in Portland? Purchasing the most affordable Portland Chevy Silverado insurance quotes over the internet might seem overwhelming for vehicle owners that are not comfortable with quoting and shopping for insurance over the internet. With so many companies competing online, how can vehicle owners be able to compare every one to find the best available price?

Steps to buying lower priced Chevy Silverado insurance in Portland

The most effective way to find more affordable car insurance rates in Portland is to start comparing prices regularly from insurers in Oregon.

  1. Get an understanding of how companies set rates and the measures you can control to prevent rate increases. Many risk factors that result in higher prices like at-fault accidents, speeding tickets, and poor credit rating can be remedied by making minor changes in your lifestyle. This article provides the details to prevent expensive rate increases and find missing discounts.
  2. Request price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from a single company like GEICO or Farmers Insurance, while agents who are independent can provide rate quotes from multiple insurance companies. Start a quote
  3. Compare the new rate quotes to your existing coverage and see if there is a cheaper rate in Portland. If you find a lower rate and change companies, make sure there is no lapse in coverage.
  4. Provide notification to your current company of your decision to cancel your current auto insurance policy and submit a down payment and signed policy application to your new insurance company. As soon as you can, keep the new certificate of insurance in your vehicle’s glove compartment or console.

One key aspect of rate comparisons is to use the same coverage limits and deductibles on each quote and and to get price quotes from as many companies as feasibly possible. Doing this helps ensure a fair price comparison and a complete price analysis.

Smart shoppers know that car insurance companies don’t want you quoting rates from other companies. Insureds who compare other prices will most likely switch car insurance companies because they have a good chance of getting low-cost coverage. A recent survey revealed that people who routinely shopped for cheaper coverage saved about $70 a month compared to people who never compared other company’s rates.

If finding the cheapest price for auto insurance is your ultimate goal, then learning a little about how to get price quotes and compare coverage rates can make it easier for you to save money.

It’s a good idea to do rate comparisons yearly because insurance prices change quite often. Even if you think you had the lowest rate on Chevy Silverado insurance in Portland a couple years back other companies may now be cheaper. Ignore everything you know about car insurance because you’re about to find out the only way to properly buy coverages while reducing your premium.

When looking for cheaper Portland auto insurance quotes, there are a couple ways to compare rate quotes from companies that offer car insurance in Oregon. The simplest method to lower the rate you pay for insurance involves getting comparison quotes online.

Just keep in mind that comparing more quotes helps you find a lower rate than you’re paying now. Some companies don’t provide rate quotes online, so it’s recommended that you also compare prices on coverage from those companies, too.

The companies in the list below are our best choices to provide price quotes in Oregon. To buy the best car insurance in Portland, we suggest you visit as many as you can to find the lowest car insurance rates.

Insurance analysis for a Chevy Silverado

The table below covers estimates of coverage prices for Chevy Silverado models. Learning as much as possible about how rates are established is important for drivers to make decisions when shopping your coverage around.

Chevrolet Silverado Insurance Rates in Portland, OR
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado LS Regular Cab 2WD $184 $336 $380 $22 $114 $1,036 $86
Silverado LS Regular Cab 4WD $184 $336 $336 $20 $100 $976 $81
Silverado LT Regular Cab 2WD $212 $408 $380 $22 $114 $1,136 $95
Silverado LT Regular Cab $212 $408 $380 $22 $114 $1,136 $95
Silverado LS Extended Cab 4WD $212 $408 $336 $20 $100 $1,076 $90
Silverado LT Extended Cab 4WD $212 $408 $336 $20 $100 $1,076 $90
Silverado LT Extended Cab 2WD $212 $408 $380 $22 $114 $1,136 $95
Silverado LS Extended Cab 2WD $212 $408 $380 $22 $114 $1,136 $95
Silverado LT Crew Cab 4WD $240 $480 $336 $20 $100 $1,176 $98
Silverado LS Crew Cab 2WD $240 $480 $380 $22 $114 $1,236 $103
Silverado LS Crew Cab 4WD $240 $480 $336 $20 $100 $1,176 $98
Silverado LT Crew Cab 2WD $240 $480 $380 $22 $114 $1,236 $103
Silverado LTZ Extended Cab 2WD $240 $480 $380 $22 $114 $1,236 $103
Silverado LTZ Extended Cab 4WD $240 $480 $336 $20 $100 $1,176 $98
Silverado LTZ Crew Cab 2WD $240 $480 $380 $22 $114 $1,236 $103
Silverado LTZ Crew Cab 4WD $240 $480 $336 $20 $100 $1,176 $98
Silverado Crew Cab Hybrid 2WD $240 $554 $336 $20 $100 $1,250 $104
Silverado Crew Cab Hybrid 4WD $266 $554 $336 $20 $100 $1,276 $106
Get Your Own Custom Quote Go

Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Oregon minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Premium costs do not factor in vehicle location which can raise or lower premium rates substantially.

Does full coverage make sense?

The information below shows the comparison of Chevy Silverado car insurance rates with full coverage compared to only the Oregon minimum liability coverage. The premiums are based on no violations or accidents, $100 deductibles, single status, and no discounts are applied.

Are you wasting money on full coverage?

There is no definitive formula for eliminating physical damage coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is 10% or more of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s say your Chevy Silverado book value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $3,000 after paying your policy deductible. If it’s costing you more than $300 a year for comprehensive and collision coverage, then it might be time to buy liability only.

There are some cases where only buying liability is not a good idea. If you still owe money on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should keep full coverage.

How You Can Control Chevy Silverado Insurance Costs

Multiple criteria are part of the equation when you get a price on insurance. Some are obvious like your driving record, but other criteria are more transparent like where you live and annual miles driven.

Shown below are some of the most rate-impacting factors car insurance companies consider when setting your rate level.

Three reasons insurance is important

Despite the high cost, paying for insurance is mandatory in Oregon but it also protects more than you think.

The benefits of having insurance are definitely more than the cost, particularly when you have a large claim. The average driver in America is overpaying over $820 a year so you should quote your policy with other companies every year to help ensure money is not being wasted.