If you're shopping for lower-cost insurance on the web, are you intimidated by the dozens of car insurance choices available to you? You have such a large number of options that it can really be a difficult situation to find a cheaper company. Columbia is an excellent city in which to live, but expensive car insurance premiums can make it hard for many residents to affordably insure vehicles.

Insurance quote for Chevy Silverado in ColumbiaA recent NerdWallet.com study revealed that the vast majority of drivers kept buying from the same company for at least four years, and practically 40% of car insurance customers have never taken the time to shop around. Drivers in Columbia could save as much as 55% every year, but they mistakenly think it's difficult to find cheap car insurance rates.

Consumers should take time to check car insurance prices yearly because prices are variable and change quite frequently. Just because you had the best deal on Chevy Silverado insurance in Columbia a year ago you may be paying too much now. Ignore everything you know about car insurance because you're going to get a crash course in the proper way to find lower rates on car insurance.

You may qualify for discounts for Chevy Silverado insurance in Columbia

Auto insurance is not inexpensive, but you may qualify for discounts that you may not even be aware of. Some discounts apply automatically when you quote, but once in a while a discount must be specially asked for prior to receiving the credit. If you're not getting every credit available, you are paying more than you should be.Cheaper auto insurance with discounts

As is typical with insurance, most discount credits are not given to all coverage premiums. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that all the discounts add up to a free policy, that's just not realistic.

Popular auto insurance companies and their offered discounts are included below.

When getting a coverage quote, ask each company which discounts they offer. Some of the earlier mentioned discounts might not be offered on policies in your area.

When price shopping your coverage, comparing more prices increases your odds of finding the best price. Some regional insurers cannot provide price estimates online, so it's important to compare rates from the smaller companies as well.

The auto insurance companies shown below are our best choices to provide price quotes in Columbia, SC. If multiple companies are shown, we suggest you click on several of them to get a more complete price comparison.

Chevrolet Silverado Insurance Rate Estimates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado LS Regular Cab 2WD $160 $288 $436 $26 $130 $1,040 $87
Silverado LS Regular Cab 4WD $248 $428 $348 $20 $104 $1,148 $96
Silverado LT Regular Cab 2WD $184 $352 $436 $26 $130 $1,128 $94
Silverado LT Regular Cab $300 $444 $506 $30 $152 $1,432 $119
Silverado LS Extended Cab 4WD $206 $404 $444 $26 $132 $1,212 $101
Silverado LT Extended Cab 4WD $168 $304 $328 $20 $98 $918 $77
Silverado LT Extended Cab 2WD $210 $412 $466 $28 $140 $1,256 $105
Silverado LS Extended Cab 2WD $258 $512 $466 $28 $140 $1,404 $117
Silverado LT Crew Cab 4WD $142 $274 $320 $18 $96 $850 $71
Silverado LS Crew Cab 2WD $208 $434 $436 $26 $130 $1,234 $103
Silverado LS Crew Cab 4WD $230 $434 $320 $18 $96 $1,098 $92
Silverado LT Crew Cab 2WD $256 $540 $436 $26 $130 $1,388 $116
Silverado LTZ Extended Cab 2WD $318 $706 $502 $30 $150 $1,706 $142
Silverado LTZ Extended Cab 4WD $378 $624 $448 $26 $134 $1,610 $134
Silverado LTZ Crew Cab 2WD $180 $378 $466 $28 $140 $1,192 $99
Silverado LTZ Crew Cab 4WD $302 $574 $352 $20 $106 $1,354 $113
Silverado Crew Cab Hybrid 2WD $232 $550 $444 $26 $132 $1,384 $115
Silverado Crew Cab Hybrid 4WD $232 $500 $386 $22 $116 $1,256 $105
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Estimates do not factor in vehicle garaging location which can impact premium rates considerably.

Impact of citations and accidents on insurance rates

The chart below demonstrates how speeding tickets and at-fault accidents increase Chevrolet Silverado car insurance rates for each different age group. The premiums are based on a single female driver, full coverage, $1,000 deductibles, and no discounts are applied.

Cost difference between full coverage and liability

The chart below examines Chevrolet Silverado insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no driving violations, no at-fault accidents, $1,000 deductibles, married male driver, and no discounts are applied.

When to drop comprehensive and collision coverage

There is no set rule of when to drop full coverage, but there is a general guideline you can use. If the annual cost of coverage is about 10% or more of the replacement cost minus the deductible, then it could be time to drop full coverage.

For example, let's pretend your Chevrolet Silverado settlement value is $5,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company would pay you is $4,000 after you pay the deductible. If premiums are more than $400 a year for your policy with full coverage, then it's probably a good time to buy liability coverage only.

There are some situations where buying only liability insurance is not a good idea. If you still have a loan on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if you don't have enough money to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Local neighborhood agents and car insurance

Many drivers still prefer to talk to an insurance agent and that is a smart decision An additional benefit of comparing insurance prices online is the fact that drivers can get cheap car insurance quotes and still choose a local agent. Supporting neighborhood agents is important especially in Columbia.

Insurance agents in ColumbiaUpon completion of this short form, your insurance data is immediately sent to participating agents in Columbia that can provide free Columbia auto insurance quotes and help you find cheaper coverage. You won't need to do any legwork since price quotes are sent immediately to you. You can find lower rates AND an agent nearby. If you want to get a comparison quote from one company in particular, don't hesitate to find their quoting web page to submit a rate quote request.

When researching a good insurance agency, you should know the types of insurance agents and how they can service your needs differently. Car insurance agents can be described as either independent or exclusive.

Independent Insurance Agents

These type of agents can sell policies from many different companies so they have the ability to put coverage with an assortment of companies and find the cheapest rate. If you want to switch companies, they simply move the coverage in-house which requires no work on your part.

If you need lower rates, it's a good idea to include rate quotes from a couple of independent agencies to have the most options to choose from. Most independent agents also contract with companies you've never heard of that can offer cheaper rates than bigger companies.

Shown below is a partial list of independent insurance agencies in Columbia who may provide rate quotes.

More insurance agents

Exclusive Agencies

Exclusive agents have only one company to place business with such as Allstate and State Farm. They generally cannot provide other company's prices so you need to shop around if the rates are high. They are very knowledgeable on the products they sell which aids in selling service over price. A lot of people buy from exclusive agents primarily because of the prominent brand name and the convenience of having a single billing for all their coverages.

The following are exclusive insurance agents in Columbia that can give you comparison quotes.

More insurance agents

Finding a good insurance agent needs to be determined by more than just the price. Before buying a policy in Columbia, get answers to these questions.

Don't give up on affordable rates

While you're price shopping online, it's not a good idea to reduce coverage to reduce premium. Too many times, someone sacrificed liability limits or collision coverage and found out when filing a claim that it was a big mistake. The goal is to buy a smart amount of coverage at the best cost, but do not skimp to save money.

Cheap Chevy Silverado insurance in Columbia can be bought online as well as from insurance agents, and you need to price shop both to have the best selection. Some insurance companies do not provide online rate quotes and most of the time these regional carriers provide coverage only through independent agents.

Insureds change insurance companies for a variety of reasons including delays in paying claims, questionable increases in premium, lack of trust in their agent or even high prices. No matter why you want to switch, switching auto insurance companies can be easier than you think.

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