One of the main considerations of insurance providers is not just your safety, but the safety of others that might be involved in a collision with your vehicle. The Chevrolet Silverado 1500 is, in general, a safe vehicle and insurance rates shouldn’t be astronomical.
The quotes you receive could vary drastically depending on:
- the age of your truck
- your driving record
- where you live
Chevy Silverado Safety Features
- Four-Wheel Anti-Lock Brakes
- Traction Control
- Electronic Stability Control
- Daytime Running Lights
- Adjustable Seat Belt Height With Pretensioners
- Child Seat Anchors
- Tire Pressure Monitoring System
- Auto Crash Notify
- Rear Seat Head Restraints
The Chevrolet Silverado car insurance costs can be relatively low through most providers because of all of these safety features.
It is actually one of the most safety feature-equipped full-size truck on the market. In general, the more safety features that are available, the better chance you have of utilizing a wide variety of discounts to drastically lower your insurance costs.
Make sure that you know all of the specific safety features available on your truck, and mention them when you are getting a quote.
Government Crash Test Ratings Effect Chevrolet Silverado 1500 Auto Insurance Rates
Insurance companies use the general safety afforded to occupants of a vehicle as one way of determining what rates to offer. For both front and side impact crash tests the Silverado was able to obtain perfect scores.
While perfect scores are great, you shouldn’t expect that to reduce your rate compared to any other full-size pickup. That is because most of the larger vehicles are built so heavy that they are bound to score perfectly in these crash tests.
Unfortunately, the damage they can inflict on other vehicles actually can drive up insurance rates.
Other Factors Involved in Determining Rates
Your previous claims history will be considered since they view a person who frequently makes claims as a higher risk to insure. Having a good driving record will also help keep the cost of Chevrolet Silverado 1500 auto insurance affordable.
The more accidents or moving traffic violations you have had, the more insurance companies will think that you don’t drive as safely as possible. They will protect themselves by giving you a higher rate.
You may be able to get a better rate from one company even if you have had problems in the past by shopping around and comparing multiple rates.
Chevrolet Silverado 1500 Car Insurance Costs Can Differ Greatly
A person has the option to select how much coverage they would like to have in case of an accident. While you may feel that you don’t need the full amount possible, you may want to stay away from getting the cheapest rate, also.
That is because, while you may be able to save money over the term of the policy, if you actually need the insurance, you might not have enough to cover the costs of an accident.
Be diligent and search around comparing rates so that you get the best deal on insuring your Chevrolet Silverado 1500.