How long has it been since you compared the cheapest Chevy Silverado insurance in Birmingham? Are you irritated from not being able to afford to pay high insurance rates every month? Your situation is no different than many other Alabama consumers.
A recent insurance study revealed that a large majority of consumers kept buying from the same company for over three years, and about 40% of consumers have never shopped around. With the average premium in Alabama being $1,330, drivers can save hundreds of dollars each year by just comparing rate quotes, but they just don't want to shop their coverage around. Online insurance companies like Allstate, Liberty Mutual and State Farm increase brand awareness with advertising and consumers find it hard to see through the deception and take the time to shop coverage around.
If you have insurance now or just want a better rate, use these techniques to get lower rates while maximizing coverage. Buying affordable auto insurance in Birmingham is not that difficult. Drivers just need to know the quickest method to get comparison rates from many different companies online.
Take policy discounts and save on Chevy Silverado insurance in Birmingham
The cost of insuring your cars can be expensive, but there could be available discounts that can drop the cost substantially. Many discounts should be triggered when you purchase, but some discounts are required to be specifically requested before you will receive the discount.
- Responsible Drivers - Drivers without accidents may save up to 50% more compared to rates paid by drivers with frequent claims.
- Federal Employees - Having worked for a branch of the government may qualify for a discount when you quote Birmingham car insurance with certain companies.
- Professional Organizations - Participating in a qualifying organization is a simple method to lower premiums when shopping for insurance.
- Distant Student - Children who are attending college and don't have a car could qualify for this discount.
- Multiple Policy Discount - If you combine your home and auto policies and insure them with the same company you may save up to 20% and get you affordable Chevrolet Silverado insurance rates in Birmingham.
Drivers should understand that many deductions do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like comp or med pay. So when it seems like adding up those discounts means a free policy, that's just not realistic.
To choose insurance companies that offer some of these discounts in Birmingham, follow this link.
Quote Birmingham Chevy Silverado insurance online
The auto insurance companies shown below can provide quotes in Birmingham, AL. If the list has multiple companies, it's a good idea that you visit as many as you can to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Silverado LS Regular Cab 2WD||$138||$262||$462||$28||$138||$1,028||$86|
|Silverado LS Regular Cab 4WD||$230||$396||$348||$20||$104||$1,098||$92|
|Silverado LT Regular Cab 2WD||$182||$348||$400||$24||$120||$1,074||$90|
|Silverado LT Regular Cab||$298||$440||$500||$30||$150||$1,418||$118|
|Silverado LS Extended Cab 4WD||$298||$440||$442||$26||$132||$1,338||$112|
|Silverado LT Extended Cab 4WD||$260||$440||$338||$20||$100||$1,158||$97|
|Silverado LT Extended Cab 2WD||$290||$524||$382||$22||$114||$1,332||$111|
|Silverado LS Extended Cab 2WD||$206||$348||$388||$24||$116||$1,082||$90|
|Silverado LT Crew Cab 4WD||$252||$508||$354||$20||$106||$1,240||$103|
|Silverado LS Crew Cab 2WD||$252||$508||$430||$26||$128||$1,344||$112|
|Silverado LS Crew Cab 4WD||$266||$514||$456||$26||$136||$1,398||$117|
|Silverado LT Crew Cab 2WD||$268||$476||$392||$24||$118||$1,278||$107|
|Silverado LTZ Extended Cab 2WD||$202||$400||$514||$30||$154||$1,300||$108|
|Silverado LTZ Extended Cab 4WD||$282||$606||$382||$22||$114||$1,406||$117|
|Silverado LTZ Crew Cab 2WD||$252||$512||$358||$22||$108||$1,252||$104|
|Silverado LTZ Crew Cab 4WD||$364||$760||$456||$26||$136||$1,742||$145|
|Silverado Crew Cab Hybrid 2WD||$268||$548||$348||$20||$104||$1,288||$107|
|Silverado Crew Cab Hybrid 4WD||$328||$596||$338||$20||$100||$1,382||$115|
|Get Your Own Custom Quote Go|
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Alabama minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Table data does not factor in specific Birmingham garaging location which can change auto insurance rates noticeably.
Where to set your deductibles
The diagram below illustrates how your deductible choice and can impact Chevrolet Silverado insurance premiums for different age groups. The rates are based on a single male driver, full coverage, and no other discounts are factored in.
How You Can Control Chevy Silverado Insurance Premiums
Lots of factors are taken into consideration when you get a price on insurance. Some are pretty understandable such as traffic violations, but other factors are more transparent like your continuous coverage or how financially stable you are. Part of the insurance buying process is learning the factors that play a part in calculating the rates you pay for insurance. When you know what positively or negatively determines base rates, this allows you to make educated decisions that may reward you with better insurance rates.
Vehicle options impact prices - Buying a car with a theft deterrent system can help lower your rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop auto theft.
Drive less and save - Driving a lot of miles in a year the more you will pay for insurance. Most companies rate vehicles determined by how the vehicle is used. Cars that are left in the garage can get a lower rate than those used for commuting. Incorrect rating for your Silverado is throwing money out the window. Verify your insurance declarations sheet is showing the correct driver usage.
Insurance companies don't like frequent insurance claims - Insurance companies in Alabama generally give the best rates to drivers who are not frequent claim filers. If you file a lot of claims you can pretty much guarantee higher rates. Your insurance policy is intended for more catestrophic claims.
How much liability - A critical coverage on your policy, liability insurance will provide protection when you are found liable for an accident. Your liability coverage provides for a legal defense starting from day one. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not cut corners here.
Continuous coverage saves money - Driving your car without having proper coverage is not a good idea and companies may charge more for letting your insurance coverage expire. And not only will insurance be more expensive, not being able to provide proof of insurance could earn you a hefty fine and possibly a revoked license.
Chevy Silverado claim probability - Insurers include the past claim history for a vehicle to help determine the price you pay. Models that are shown to have higher losses will cost more for coverage. The table below illustrates the loss history for Chevy Silverado vehicles.
For each insurance policy coverage type, the statistical loss for all vehicles as a whole is equal to 100. Values that are below 100 represent a good loss history, while values that are 100 or greater indicate a higher chance of having a claim or larger claims.
Chevrolet Silverado Insurance Loss Statistics
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Chevrolet Silverado 1500 2WD||76||118||85||78||69||125|
|Chevrolet Silverado 1500 4WD||60||76||72||54|
|Chevrolet Silverado 1500 Crew Cab 2WD||89||103||131||77||70||94|
|Chevrolet Silverado 1500 Crew Cab 4WD||96||105||116||57||57||87|
|Chevrolet Silverado 1500 Ext Cab 2WD||90||126||100||88||85||117|
|Chevrolet Silverado 1500 Ext Cab 4WD||84||98||89||60||60||88|
|Chevrolet Silverado 2500 2WD||60||65|
|Chevrolet Silverado 2500 4WD||66||97||66|
|Chevrolet Silverado 2500 Crew Cab 2WD||76||127||65|
|Chevrolet Silverado 2500 Crew Cab 4WD||88||114||97||45||42||82|
|Chevrolet Silverado 2500 Ext Cab 2WD||80||54|
|Chevrolet Silverado 2500 Ext Cab 4WD||79||105||83||37||43||75|
|Chevrolet Silverado 3500 4WD||65|
|Chevrolet Silverado 3500 Crew Cab 4WD||98||127||108||54||39||76|
|Chevrolet Silverado 3500 Ext Cab 4WD||129||127|
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Get rate quotes but buy from a local Birmingham insurance agent
Many drivers would rather talk to a local agent and doing so can bring peace of mind Experienced insurance agents are very good at helping people manage risk and will help you if you have claims. The best thing about price shopping on the web is that you can obtain the lowest rates and still choose a local agent. Buying insurance from local insurance agents is still important in Birmingham.
Upon completion of this simple form, the coverage information gets sent to local insurance agents who will give you bids to get your business. You won't need to find an agent because prices are sent directly to your email. If you have a need to compare prices from a particular provider, you just need to navigate to their website to submit a rate quote request.
If you are wanting to find a reliable agent, it's helpful to know the different types of agencies that you can choose from. Agents in Birmingham are either exclusive agents or independent agents. Both handle auto insurance, but it's a good idea to understand the differences since it can affect the type of agent you choose.
Independent Insurance Agents
Agents in the independent channel are not employed by one company and that is an advantage because they can write policies with an assortment of companies and find you the best rates. If your agent finds better pricing, the business is moved internally which makes it simple for you. If you are comparing auto insurance prices, you should always get quotes from a couple of independent agencies in order to have the best price comparison.
Listed below is a short list of independent agencies in Birmingham who may provide comparison quotes.
Agents that choose to be exclusive have only one company to place business with like Farmers Insurance, Allstate, or State Farm. They are unable to give you multiple price quotes so they have no alternatives for high prices. Exclusive agents are trained well on the products they sell which can be an advantage.
Listed below is a short list of exclusive agencies in Birmingham that can give you comparison quotes.
Melvin Humes - State Farm Insurance Agent
1429 Reverend Abraham Woods Jr Boulevard - Birmingham, AL 35203 - (205) 252-4944 - View Map
Don Roberts - State Farm Insurance Agent
2102 Cahaba Rd e - Birmingham, AL 35223 - (205) 879-8887 - View Map
Choosing the best auto insurance agent should include more criteria than just a low price. Get answers to these questions too.
- Do they have a Better Business Bureau rating in Birmingham?
- Does the company use OEM repair parts?
- Can you use your own choice of collision repair facility?
- Did they already check your driving record and credit reports?
- What company holds the largest book of business for them?
Three reasons to not skimp on car insurance
Despite the fact that car insurance is not cheap in Birmingham, maintaining insurance is required for several reasons.
- Most states have minimum liability requirements which means you are required to buy specific limits of liability insurance in order to get the vehicle licensed. In Alabama these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your vehicle has a lienholder, more than likely the lender will require you to carry insurance to guarantee their interest in the vehicle. If you default on your policy, the bank will be required to insure your Chevy at a more expensive rate and require you to reimburse them for the much more expensive policy.
- Insurance safeguards both your Chevy and your personal assets. Insurance will also pay for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability insurance also covers all legal expenses up to the policy limit if you cause an accident and are sued. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage minus the deductible amount.
The benefits of carrying enough insurance are definitely more than the cost, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver is overpaying more than $830 a year so shop around at least once a year to help ensure money is not being wasted.
More quotes mean more insurance savings
When getting Birmingham car insurance quotes online, you should never reduce coverage to reduce premium. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits only to find out that the few dollars in savings costed them thousands. The ultimate goal is to buy a smart amount of coverage at the lowest possible cost, but do not skimp to save money.
Some insurance companies may not provide online quoting and most of the time these regional insurance providers sell through local independent agencies. The cheapest Chevy Silverado insurance in Birmingham is attainable online and from local agencies, and you should be comparing both to get a complete price analysis.
More information can be read at the links below