How to Find the Best Price for Chevy Silverado 1500 Insurance in Nevada

Have you had enough of scraping the payment together to pay your car insurance bill each month? You are no different than millions of other consumers.

Many insurers compete for your business, and it can be difficult to compare rates and uncover the absolute best rate

If you are paying for car insurance now, you will be able to reduce your rates substantially using this information. Finding affordable coverage is not rocket science. Although Nevada drivers can benefit from knowing the methods companies use to market on the web and use this information to your advantage.

Pay less by taking advantage of discounts

Car insurance companies don’t necessarily list every available discount in an easy-to-find place, so here is a list both the well known and the more hidden savings tricks you should be using.

College Student – Children who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
Claim Free – Good drivers with no accidents can earn big discounts when compared to accident-prone drivers.
Drivers Ed for Students – Have your child complete a driver education course if offered at their school.
Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
Service Members Pay Less – Having a deployed family member may qualify for rate reductions.
New Vehicle Savings – Buying coverage on a new vehicle is cheaper because new vehicles have to meet stringent safety requirements.
Senior Citizens – Older drivers may qualify for better car insurance rates on Silverado insurance.
Passive Restraints – Cars that have air bags can qualify for discounts of more than 20%.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, companies wouldn’t make money that way.

For a list of insurance companies offering car insurance discounts in Nevada, click here. Nevada insurance banner

Chevy Silverado 1500 insurance rates have many determining factors

Smart consumers have a good feel for the different types of things that come into play when calculating car insurance rates. When you know what positively or negatively determines base rates allows you to make educated decisions that could result in better car insurance rates.

Your location is important – Being located in less populated areas is a positive aspect when it comes to car insurance. Less people living in that area means a lower chance of having an accident and a lower car theft rate. Drivers who live in large Nevada cities have to deal with more traffic problems and much longer commute distances. More time on the road means higher likelihood of an accident.
Younger drivers pay higher rates – Older insureds are more responsible, file fewer claims and receive fewer citations. Teenage drivers have a tendency to get distracted easily when behind the wheel therefore car insurance rates are much higher.
Never let your coverage lapse – Allowing your coverage to lapse is a fast way to trigger a rate increase. Not only will you pay more, but not being able to provide proof of insurance might get you a steep fine or even jail time.You may then be required to file a SR-22 with the Nevada motor vehicle department.
Poor credit can mean higher rates – Credit history is a huge factor in calculating your car insurance rates. Therefore, if your credit history is not that good, you could potentially save money when insuring your Chevrolet Silverado 1500 by spending a little time repairing your credit. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit scores.
Optional equipment can affect rates – Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
Don’t sacrifice liability coverage – Liability coverage provides coverage in the event that a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court which can cost thousands of dollars. Liability is cheap when compared with rates for comp and collision, so do not skimp.
Increase deductibles and save – Your deductibles define the amount you are required to spend before a claim is paid by your company. Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims could be running into the backend of another car, damage caused by hail, and burglary. The more money you have to pay, the less your company will charge you for insurance on Silverado insurance.
Consolidate policies to earn discounts – Some insurers will give a discount to people who have multiple policies with them. It’s known as a multi-policy discount. Discounts can be five, ten or even twenty percent. Even if you’re getting this discount it’s in your best interest to compare rates to verify if the discount is saving money.

Your coverage should be tailored to you

When buying the best car insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions might help in determining whether you would benefit from professional advice.

How many claims can I have before being cancelled?
Is my Chevy Silverado 1500 covered for smoke damage?
At what point should I drop full coverage?
Are there companies who specialize in insuring high-risk drivers?
When should I drop full coverage on my Chevy Silverado 1500?
Can I get a multi-policy discount for packaging my home and auto coverage?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Beware of misleading car insurance ads

Car insurance companies such as GEICO, State Farm and Progressive regularly use ads on television and other media. They all seem to have a common claim of big savings if you move your policy. But how can every company say the same thing? It’s all in the numbers.

All the different companies have a certain “appetite” for the right customer that is profitable for them. An example of a driver they prefer could possibly be over the age of 40, insures multiple vehicles, and has a high credit rating. A propective insured that hits that “sweet spot” receives the best rates and as a result will probably save a lot of money.

Consumers who are not a match for this ideal profile must pay higher rates and ends up with business not being written. The ad wording is “people who switch” not “everyone that quotes” save money. That is how insurance companies can confidently make the claims of big savings. This illustrates why you absolutely need to get a wide range of price quotes. It’s impossible to know which company will fit your personal profile best.

More detailed Nevada car insurance information can be read at the Nevada Division of Insurance website. Nevada drivers can discover disciplinary actions, view a list of available companies, and download brochures.

Smart shoppers get results

When you buy insurance online, you should never sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced collision coverage and learned later they didn’t purchase enough coverage. Your goal should be to get the best coverage possible at an affordable rate while still protecting your assets.

Budget-conscious Chevy Silverado 1500 insurance can be found on the web and with local Nevada insurance agents, so you should compare both so you have a total pricing picture. A few companies do not offer online price quotes and most of the time these regional insurance providers sell through independent agents.