Did a good deal turn into an expensive car insurance policy? Don’t sweat it because many consumers are feeling buyer’s remorse and feel like there’s no way out.
It’s safe to conclude that insurance companies don’t want you to look for a cheaper policy. People who shop around for the cheapest rate are likely to buy a different policy because there is a good chance of finding a lower-priced company. Remarkably, a study showed that drivers who compared rates once a year saved $865 annually as compared to drivers who never compared prices.
If saving money on insurance in Louisville is your objective, then knowing how to shop and compare insurance premiums can make it simple to find affordable coverage.
You have so many insurance companies to insure vehicles with, and though it is a good thing to have a choice, it can be more challenging to locate the cheapest rates for Chevy Silverado insurance in Louisville.
It’s a good idea to check car insurance prices quite often because prices tend to go up over time. Despite the fact that you may have had the best deal on Chevy Silverado insurance in Louisville a year ago there may be better deals available now. You can find a lot of information about Silverado insurance on the web, but by reading this article, you’re going to learn a lot of great tips on how to put money back in your pocket.
Companies offering cheap Chevy Silverado price quotes in Louisville, KY
The following companies can provide price comparisons in Louisville, KY. If you want to find cheaper car insurance in Louisville, KY, we suggest you click on several of them to find the most competitive auto insurance rates.
Chevy Silverado insurance rates and statistics
The coverage information shown next showcases detailed analysis of insurance costs for Chevy Silverado models. Having a better understanding of how insurance quotes are determined is important for you to make smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado LS Regular Cab 2WD | $204 | $282 | $484 | $28 | $144 | $1,142 | $95 |
| Silverado LS Regular Cab 4WD | $204 | $282 | $428 | $26 | $128 | $1,068 | $89 |
| Silverado LT Regular Cab 2WD | $234 | $342 | $484 | $28 | $144 | $1,232 | $103 |
| Silverado LT Regular Cab | $234 | $342 | $484 | $28 | $144 | $1,232 | $103 |
| Silverado LS Extended Cab 4WD | $234 | $342 | $428 | $26 | $128 | $1,158 | $97 |
| Silverado LT Extended Cab 4WD | $234 | $342 | $428 | $26 | $128 | $1,158 | $97 |
| Silverado LT Extended Cab 2WD | $234 | $342 | $484 | $28 | $144 | $1,232 | $103 |
| Silverado LS Extended Cab 2WD | $234 | $342 | $484 | $28 | $144 | $1,232 | $103 |
| Silverado LT Crew Cab 4WD | $264 | $404 | $428 | $26 | $128 | $1,250 | $104 |
| Silverado LS Crew Cab 2WD | $264 | $404 | $484 | $28 | $144 | $1,324 | $110 |
| Silverado LS Crew Cab 4WD | $264 | $404 | $428 | $26 | $128 | $1,250 | $104 |
| Silverado LT Crew Cab 2WD | $264 | $404 | $484 | $28 | $144 | $1,324 | $110 |
| Silverado LTZ Extended Cab 2WD | $264 | $404 | $484 | $28 | $144 | $1,324 | $110 |
| Silverado LTZ Extended Cab 4WD | $264 | $404 | $428 | $26 | $128 | $1,250 | $104 |
| Silverado LTZ Crew Cab 2WD | $264 | $404 | $484 | $28 | $144 | $1,324 | $110 |
| Silverado LTZ Crew Cab 4WD | $264 | $404 | $428 | $26 | $128 | $1,250 | $104 |
| Silverado Crew Cab Hybrid 2WD | $264 | $466 | $428 | $26 | $128 | $1,312 | $109 |
| Silverado Crew Cab Hybrid 4WD | $294 | $466 | $428 | $26 | $128 | $1,342 | $112 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Estimates do not factor in specific garaging location which can affect insurance rates significantly.
Gender-based auto insurance rates
The example below compares Chevy Silverado insurance costs for male and female drivers. Data assumes no tickets, no at-fault accidents, full physical damage coverage, $100 deductibles, single marital status, and no discounts are taken into consideration.
Discount Louisville insurance quotes
Insurance can cost an arm and a leg, but there could be available discounts that you may not even be aware of. Certain discounts will be triggered automatically when you purchase, but a few must be manually applied in order for you to get them. If you don’t get every credit you qualify for, you may be paying too high a price.
- Good Grades Discount – Excelling in school can earn a discount of 20% or more. This discount can apply well after school through age 25.
- Early Switch Discount – Some companies give discounts for signing up prior to the expiration date on your current Silverado insurance policy. It’s a savings of about 10%.
- Anti-theft System – Cars and trucks equipped with anti-theft or alarm systems are stolen with less frequency and that can save you a little bit as well.
- Policy Bundle Discount – When you combine your home and auto insurance with one insurance company you could get a discount of up to 20% and get you inexpensive Chevrolet Silverado insurance in Louisville.
- Senior Citizen Rates – Seniors may receive a small discount on rates.
- Driver Education Discount – Reduce the cost of insurance for teen drivers by having them successfully take a driver’s education course as it can save substantially.
- Active Military Service – Being deployed with a military unit could qualify you for better premium rates.
- Claim-Free Discount – Claim-free drivers can save substantially when compared with bad drivers.
- Braking Control Discount – Cars and trucks that have steering control and anti-lock brakes are safer to drive and the ABS can save up to 10%.
Policy discounts save money, but most discounts do not apply to the entire policy premium. A few only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears you can get free auto insurance, you aren’t that lucky.
The information below shows the comparison of Chevy Silverado insurance costs with and without discounts applied. The rates are based on a female driver, no driving violations, no at-fault accidents, Kentucky state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, homeowner, multi-car, marriage, and claim-free discounts applied.
A few companies that have some of the above discounts include:
If you need the cheapest Chevrolet Silverado rate quotes, ask each company or agent which discounts they offer. Depending on the company, some discounts might not be available to policyholders in Louisville. For a list of insurance companies with discount insurance rates in Kentucky, click here to view.
What if I want to buy from local Louisville insurance agencies?
Many drivers just prefer to talk to an insurance agent and often times that is recommended A good thing about comparing rates online is you can get lower auto insurance rates and also buy local. And buying from neighborhood agents is important especially in Louisville.
For easy comparison, once you complete this simple form, your coverage information is sent to agents in your area who will give you quotes and help you find cheaper coverage. You never need to even leave your home due to the fact that quote results will go to your email. You can find better rates and an insurance agent to talk to. If you have a need to get a rate quote from a specific car insurance provider, feel free to go to their quote page and submit a quote form there.
Is an exclusive or independent car insurance agent right for you?
If you are searching for a reputable agency, it helps to know the two types of insurance agents and how they work. Insurance agencies in Louisville can be categorized as either independent agents or exclusive agents.
Independent Agencies or Brokers
Agents that choose to be independent are not employed by one company so as a result can place your coverage with an assortment of companies and help determine which has the cheapest rates. If you are not satisfied with one company, the agent simply finds a different carrier which makes it simple for you. When shopping rates, we recommend you include rate quotes from multiple independent agents in order to have the best price comparison.
Below is a small list of independent insurance agents in Louisville who may provide competitive price quotes.
Family Select Insurance
6409 Dutchmans Pkwy – Louisville, KY 40205 – (502) 454-7283 – View Map
Grant Insurance Agency, LLC
13000 Equity Pl #201 – Louisville, KY 40223 – (502) 254-3332 – View Map
Gerald Schott Insurance
10602 Timberwood Cir # 14 – Louisville, KY 40223 – (502) 426-5887 – View Map
Exclusive Insurance Agencies
These agents can only provide one company’s prices and examples are State Farm, Allstate and AAA. Exclusive agents are unable to compare rates from other companies so they are skilled at selling on more than just price. They are usually quite knowledgeable in insurance sales which helps them compete with independent agents.
Listed below is a list of exclusive agents in Louisville that are able to give price quotes.
Brandon Warren – State Farm Insurance Agent
12342 Shelbyville Rd – Louisville, KY 40243 – (502) 254-9300 – View Map
Charlton Grant Sr – State Farm Insurance Agent
1802 Farnsley Rd – Louisville, KY 40216 – (502) 448-0202 – View Map
Milt Nugent – State Farm Insurance Agent
1005 Dupont Square N – Louisville, KY 40207 – (502) 897-6426 – View Map
Picking an auto insurance agent shouldn’t rely on just a cheap price. Below are some questions you should ask.
- Do they have any clout with companies to ensure a fair claim settlement?
- Will the company cover a rental car if your car is getting fixed?
- How would your car be valued if totaled?
- How many years of experience in personal auto insurance do they have?
- Do they specialize in personal lines auto insurance in Louisville?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Does the agency have a good rating with the Better Business Bureau?
- Are they full-time agents?
If you receive answers to your satisfaction to your questions as well as a affordable price, chances are good that you have found a car insurance agent that meets the requirements to insure your vehicles.
Don’t give up on affordable rates
We’ve covered many ideas to find lower-cost Chevy Silverado insurance in Louisville. The key concept to understand is the more price quotes you have, the better your comparison will be. Drivers may even discover the most savings is with the least-expected company. They may only write in your state and offer lower rates compared to the large companies like Progressive and GEICO.
As you restructure your insurance plan, it’s not a good idea to sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced liability limits or collision coverage and learned later that the small savings ended up costing them much more. The ultimate goal is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.
How to find affordable quotes for Chevy Silverado insurance in Louisville
To save the most money, the best way to get discount Chevy Silverado insurance is to compare prices at least once a year from companies that insure vehicles in Louisville. You can shop around by following these guidelines.
First, try to learn a little about how companies set rates and the measures you can take to lower rates. Many risk factors that cause high rates such as accidents, traffic violations, and an unacceptable credit score can be rectified by paying attention to minor details.
Second, compare rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like GEICO and Allstate, while independent agencies can quote prices from multiple insurance companies.
Third, compare the quotes to your existing policy to see if you can save by switching companies. If you find a better price and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
One thing to point out is to try to compare the same level of coverage on each price quote and and to get price quotes from as many companies as you can. This guarantees a fair rate comparison and many rates to choose from.
Additional articles
- Learn About Car Insurance (GEICO)
- Who Has the Cheapest Auto Insurance for a Ford Explorer in Louisville? (FAQ)
- What Auto Insurance is Cheapest for Drivers Under 21 in Louisville? (FAQ)
- Who Has Cheap Louisville Auto Insurance Rates for Real Estate Agents? (FAQ)
- Who Has Cheap Car Insurance Quotes for Drivers Over Age 50 in Louisville? (FAQ)
- Help Your Teen Be a Better Driver (State Farm)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)