Want to save money and find low-cost Chevy Silverado insurance in Kansas City? Trying to find the cheapest insurance for a Chevy Silverado in Missouri could be difficult, but you can follow the following methods and make it easy.
There is a right way and a wrong way to shop for insurance and you need to know the best way to price shop coverage on a Chevy and get the lowest possible price.
Finding the lowest-priced protection in Kansas City is not as difficult as people think. If you have insurance now or just want cheaper coverage, you can use this information to reduce premiums without sacrificing coverage. Vehicle owners just need to know the quickest method to buy auto insurance from many different companies.
Ways to get Chevy Silverado insurance quotes in Kansas City, Missouri
The providers in the list below are ready to provide price quotes in Missouri. If the list has multiple companies, we recommend you get rates from several of them to find the most competitive car insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Silverado LS Regular Cab 2WD||$194||$334||$308||$18||$92||$946||$79|
|Silverado LS Regular Cab 4WD||$142||$264||$322||$20||$96||$844||$70|
|Silverado LT Regular Cab 2WD||$176||$340||$340||$20||$102||$978||$82|
|Silverado LT Regular Cab||$176||$344||$282||$16||$84||$902||$75|
|Silverado LS Extended Cab 4WD||$100||$186||$256||$16||$76||$634||$53|
|Silverado LT Extended Cab 4WD||$186||$344||$360||$22||$108||$1,020||$85|
|Silverado LT Extended Cab 2WD||$186||$344||$406||$24||$122||$1,082||$90|
|Silverado LS Extended Cab 2WD||$186||$344||$406||$24||$122||$1,082||$90|
|Silverado LT Crew Cab 4WD||$250||$478||$272||$16||$82||$1,098||$92|
|Silverado LS Crew Cab 2WD||$222||$478||$340||$20||$102||$1,162||$97|
|Silverado LS Crew Cab 4WD||$178||$340||$250||$14||$74||$856||$71|
|Silverado LT Crew Cab 2WD||$110||$214||$282||$16||$84||$706||$59|
|Silverado LTZ Extended Cab 2WD||$124||$252||$316||$18||$94||$804||$67|
|Silverado LTZ Extended Cab 4WD||$250||$478||$272||$16||$82||$1,098||$92|
|Silverado LTZ Crew Cab 2WD||$248||$552||$392||$24||$118||$1,334||$111|
|Silverado LTZ Crew Cab 4WD||$248||$552||$346||$20||$104||$1,270||$106|
|Silverado Crew Cab Hybrid 2WD||$222||$578||$302||$18||$90||$1,210||$101|
|Silverado Crew Cab Hybrid 4WD||$288||$578||$360||$22||$108||$1,356||$113|
|Get Your Own Custom Quote Go|
Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Premium amounts do not factor in vehicle garaging location which can raise or lower premium rates noticeably.
Rate comparison for different deductibles
The information below illustrates how your deductible choice and can impact Chevrolet Silverado premium costs for different age groups. The information is based on a married female driver, full physical damage coverage, and no policy discounts are applied.
Difference between full coverage and liability only rates
The diagram below illustrates the difference between Chevrolet Silverado insurance costs with full physical damage coverage compared to only buying liability only. The information is based on a clean driving record, no at-fault accidents, $500 deductibles, single female driver, and no discounts are taken into consideration.
When to eliminate full coverage
There isn't a steadfast formula for dropping physical damage insurance, but there is a general guideline you can use. If the annual cost of coverage is more than 10% of the vehicle's replacement cost less your deductible, then you may want to consider only buying liability coverage.
For example, let's pretend your Chevrolet Silverado claim settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $7,000 after you pay the deductible. If it's costing in excess of $700 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.
There are a few cases where only buying liability is not a good plan. If you have an outstanding loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you don't have enough money to buy a different vehicle if your current one is in an accident, you should not consider dropping full coverage.
Auto insurance quotes from local Kansas City insurance agencies
Some people just want to buy from a local agent and we recommend doing that Good insurance agents are trained to spot inefficiencies and will help you if you have claims. One of the benefits of getting online price quotes is that you can obtain cheaper prices and still buy from a local agent. And supporting local insurance agencies is definitely important in Kansas City.
To find an agent, once you fill out this form (opens in new window), your coverage information is submitted to agents in your area who can give free rate quotes and help you find cheaper coverage. There is no reason to contact any insurance agencies since rate quotes are delivered to you instantly. If you wish to get a rate quote for a specific company, feel free to navigate to their website to submit a rate quote request.
What types of car insurance agents are in Kansas City?
If you prefer to buy auto insurance from an insurance agent, it's helpful to know the types of agencies and how they differ in how they quote coverages. Auto insurance agents in Kansas City may be either exclusive agents or independent agents. Both can insure your vehicles properly, but it's good to learn the difference in the companies they write for since it could factor into the kind of agent you use.
Independent Auto Insurance Agents
Agents in the independent channel are normally appointed by many insurers so they can write business with lots of companies and help determine which has the cheapest rates. If your agent finds better pricing, an independent agent can move your coverage which makes it simple for you. When comparing rate quotes, it's a good idea to include multiple independent agents in order to compare the most rates. Most can insure with different regional companies that may have much lower rates than larger companies.
Shown below is a partial list of independent insurance agencies in Kansas City who may provide pricing information.
- Bargain Insurance Connection
2635 NE Vivion Rd - Kansas City, MO 64119 - (816) 453-7722 - View Map
- Beverly Baker Insurance Agency Inc.
8708 N Oak Trafficway - Kansas City, MO 64155 - (816) 452-8600 - View Map
- DeMasters Insurance, LLC
1130 Westport Rd - Kansas City, MO 64111 - (816) 531-1000 - View Map
Exclusive Insurance Agents
Agents that choose to be exclusive can only write with one company and some examples include AAA, Allstate, and State Farm. Exclusive agents cannot provide rate quotes from other companies so if the price isn't competitive there isn't much they can do. Exclusive agencies are very knowledgeable on their company's products which can be an advantage. Consumers frequently use the same exclusive agent primarily because of the brand legacy rather than low rates.
Shown below is a list of exclusive insurance agencies in Kansas City who can help you get price quotes.
- Joe Janacaro - State Farm Insurance Agent
5555 NW Barry Rd - Kansas City, MO 64154 - (816) 587-8330 - View Map
- State Farm: Bret Ohlhausen
8549 N Church Rd - Kansas City, MO 64157 - (816) 781-4960 - View Map
- George Lounds - State Farm Insurance Agent
550 E 99th St - Kansas City, MO 64131 - (816) 941-0055 - View Map
Finding the right auto insurance agent requires you to look at more than just a cheap quote. These questions are important to ask:
- Do they regularly work with personal auto policies in Kansas City?
- Does the company use OEM repair parts?
- Is there a local claims center in Kansas City?
- Is the agent properly licensed in Missouri?
- Will you get a loaner vehicle if you car is being repaired?