Are you searching for the cheapest auto insurance rates in San Francisco, CA? San Francisco buyers have options when searching for affordable Chevy Silverado 2500HD insurance. They can either spend hours driving around to get rate comparisons or leverage the internet to find the lowest rates.
There is a better way to shop for auto insurance so we’re going to tell you the absolute fastest way to price shop coverage for your Chevy and get the lowest price from San Francisco insurance agents and online providers.
It’s smart to check auto insurance prices once or twice a year because auto insurance prices change frequently. Just because you had the lowest price on Chevy Silverado 2500HD insurance in San Francisco six months ago there is a good chance you can find better rate quotes now. You’ll find quite a bit of inaccurate information about Silverado 2500HD insurance on the internet, but in just a couple of minutes you can learn some guaranteed methods to buy auto insurance cheaper in San Francisco.
Get discounts on San Francisco insurance
Insurance is not an enjoyable expense, but there could be available discounts that you may not know about. Some of these discounts will be visible when you quote, but some must be specifically requested before being credited. If you’re not getting every credit available, you are just wasting money.
- Low Miles Discount – Driving fewer miles could be rewarded with slightly better prices than normal.
- Early Payment Discounts – By paying your policy upfront instead of paying each month you may reduce your total bill.
- Telematics Devices – Insureds who allow their company to look at driving patterns through the use of a telematics system such as Progressive’s Snapshot could save a few bucks if they are good drivers.
- Lower Rates for Military – Having a family member in the military could mean lower prices.
- Defensive Driver Discounts – Completing a course that instructs on driving safety could earn you a small percentage discount and easily pay for the cost of the class.
- Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen with less frequency and therefore earn up to a 10% discount.
- Senior Citizens – Drivers that qualify as senior citizens can get better insurance rates.
- One Accident Forgiven – Not really a discount, but some insurance companies allow you one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
- Discounts for Seat Belt Usage – Requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
Please keep in mind that many deductions do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as comp or med pay. So even though you would think all the discounts add up to a free policy, it’s just not the way it works.
The illustration below illustrates the difference between Chevy Silverado 2500HD insurance costs with and without some available policy discounts. The price estimates are based on a male driver, no claims or driving citations, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, safe-driver, multi-policy, claim-free, and homeowner discounts applied.
If you would like to view providers with discount rates in California, click here to view.
The following companies offer price quotes in San Francisco, CA. If more than one company is shown, it’s a good idea that you click on several of them to find the most affordable car insurance rates.
Insurance analysis for a Chevy Silverado 2500HD
The premium table below covers different insurance policy prices for Chevy Silverado 2500HD models. Having a good grasp of how insurance prices are formulated can aid in making decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 2500HD LT Crew Cab 4WD | $272 | $426 | $578 | $34 | $174 | $1,484 | $124 |
| Silverado 2500HD LT Crew Cab 2WD | $272 | $490 | $654 | $38 | $196 | $1,650 | $138 |
| Silverado 2500HD LTZ Crew Cab 4WD | $272 | $426 | $578 | $34 | $174 | $1,484 | $124 |
| Silverado 2500HD LT Crew Cab Diesel 4WD | $302 | $490 | $578 | $34 | $174 | $1,578 | $132 |
| Silverado 2500HD LT Crew Cab Diesel 2WD | $302 | $490 | $654 | $38 | $196 | $1,680 | $140 |
| Silverado 2500HD LT Extended Cab Diesel 2WD | $302 | $490 | $654 | $38 | $196 | $1,680 | $140 |
| Silverado 2500HD LTZ Crew Cab 2WD | $302 | $490 | $654 | $38 | $196 | $1,680 | $140 |
| Silverado 2500HD LTZ Crew Cab Diesel 4WD | $302 | $490 | $578 | $34 | $174 | $1,578 | $132 |
| Silverado 2500HD LTZ Crew Cab Diesel 2WD | $302 | $556 | $654 | $38 | $196 | $1,746 | $146 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rates do not factor in specific zip code location which can increase or decrease coverage prices considerably.
Higher deductibles save money
One of the more difficult decisions when buying insurance is the level to set your comp and collision deductibles. The rates below may help to conceptualize the rate difference between high and low policy deductibles. The first price estimate table uses a $100 deductible for physical damage and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 2500HD LT Crew Cab 4WD | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Silverado 2500HD LT Crew Cab 2WD | $430 | $932 | $500 | $30 | $150 | $2,067 | $172 |
| Silverado 2500HD LTZ Crew Cab 4WD | $430 | $810 | $442 | $26 | $132 | $1,865 | $155 |
| Silverado 2500HD LT Crew Cab Diesel 4WD | $478 | $932 | $442 | $26 | $132 | $2,035 | $170 |
| Silverado 2500HD LT Crew Cab Diesel 2WD | $478 | $932 | $500 | $30 | $150 | $2,115 | $176 |
| Silverado 2500HD LT Extended Cab Diesel 2WD | $478 | $932 | $500 | $30 | $150 | $2,115 | $176 |
| Silverado 2500HD LTZ Crew Cab 2WD | $478 | $932 | $500 | $30 | $150 | $2,115 | $176 |
| Silverado 2500HD LTZ Crew Cab Diesel 4WD | $478 | $932 | $442 | $26 | $132 | $2,035 | $170 |
| Silverado 2500HD LTZ Crew Cab Diesel 2WD | $478 | $1054 | $500 | $30 | $150 | $2,237 | $186 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 2500HD LT Crew Cab 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Silverado 2500HD LT Crew Cab 2WD | $238 | $490 | $500 | $30 | $150 | $1,408 | $117 |
| Silverado 2500HD LTZ Crew Cab 4WD | $238 | $426 | $442 | $26 | $132 | $1,264 | $105 |
| Silverado 2500HD LT Crew Cab Diesel 4WD | $266 | $490 | $442 | $26 | $132 | $1,356 | $113 |
| Silverado 2500HD LT Crew Cab Diesel 2WD | $266 | $490 | $500 | $30 | $150 | $1,436 | $120 |
| Silverado 2500HD LT Extended Cab Diesel 2WD | $266 | $490 | $500 | $30 | $150 | $1,436 | $120 |
| Silverado 2500HD LTZ Crew Cab 2WD | $266 | $490 | $500 | $30 | $150 | $1,436 | $120 |
| Silverado 2500HD LTZ Crew Cab Diesel 4WD | $266 | $490 | $442 | $26 | $132 | $1,356 | $113 |
| Silverado 2500HD LTZ Crew Cab Diesel 2WD | $266 | $556 | $500 | $30 | $150 | $1,502 | $125 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Premium costs do not factor in vehicle garaging location which can alter premiums greatly.
Using the data above, we can ascertain that using a $100 deductible will cost you approximately $56 more each month or $672 every year than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you average at least 16 months between claims, you would save more money if you choose a higher deductible.
Does full coverage make sense?
The information below compares Chevy Silverado 2500HD auto insurance costs with and without physical damage coverage. The price estimates are based on no driving violations, no at-fault accidents, $250 deductibles, single status, and no discounts are factored in.
When to stop buying physical damage coverage
There is no clear-cut rule of when to drop full coverage on your policy, but there is a guideline you can use. If the annual cost of coverage is more than 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.
For example, let’s assume your Chevy Silverado 2500HD replacement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $2,000 after you pay the deductible. If you are paying over $200 a year to have full coverage, then you might want to think about dropping full coverage.
There are some scenarios where dropping physical damage coverage is not financially feasible. If you still have a lienholder on your title, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not drop full coverage.
Smart Choices Result in Lower Insurance Premiums
Many things are taken into consideration when you get a price on insurance. Some factors are common sense like your driving record, but other criteria are less obvious such as your marital status or your vehicle rating.
Shown below are a few of the things used by insurance companies to determine rates.
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Lower rates come with age – Mature drivers have been proven to be more responsible, cost insurance companies less in claims, and tend to be get fewer driving tickets. Teenage drivers are statistically shown to be more careless in a vehicle so they pay higher auto insurance rates.
The next chart uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.
- Pay more of a claim out-of-pocket – The deductibles define how much you are willing to pay if you file a covered claim. Insurance for physical damage to your car, also called ‘full coverage’, insures against damage to your car. Some instances where coverage would apply are colliding with a stationary object, fire damage, and damage from wind. The more you choose to pay out-of-pocket, the less money you will pay for auto insurance.
- Low stress occupation equals lower prices – Do you work in a high-stress field? Jobs such as military personnel, architects, and medical professionals generally pay higher premiums than the average policyholder in part from intense work situations and lots of time spent away from family. On the flip side, occupations such as professors, engineers and performers receive lower rates.
- You might want pay the minor claims yourself – If you’re an insured who likes to file claims you shouldn’t be surprised to get higher premiums or even policy non-renewal. Insurance companies in California generally give cheaper rates to people that do not abuse their auto insurance. Your car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
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Gals tend to take less risk – Over the last 30 years, statistics show that females tend to be a little less risky than males. However, this does not mean women are better drivers. Women and men are in auto accidents at a similar rate, but men have accidents that have higher claims. They also receive more major tickets like DUI and reckless driving.
The example below shows the difference between Chevy Silverado 2500HD insurance costs for male and female drivers. The premiums assume no claims, a clean driving record, full coverage, $500 deductibles, drivers are not married, and no discounts are factored in.
- Why do you need liability insurance? – Your policy’s liability coverage provides coverage in the event that a jury decides you are liable for personal injury or accident damage. This coverage provides you with a defense in court up to the limits shown on your policy. Liability is cheap when compared to the cost of physical damage coverage, so do not cut corners here.
When should I discuss my situation with an agent?
When quoting and choosing a policy, there really is no one size fits all plan. Everyone’s needs are different.
For instance, these questions could help you determine if your situation would benefit from an agent’s advice.
- Will damage be repaired with OEM parts?
- Do I need medical payments coverage since I have good health insurance?
- Can my babysitter drive my car?
- Is my trailer covered?
- Can I drive in Mexico and have coverage?
- Why do I have to buy liability insurance?
- Am I covered when driving a rental car?
If you can’t answer these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.
Can’t I get rate quotes from local San Francisco insurance agents?
Many drivers still like to visit with an insurance agent and that is a smart decision Agents are trained risk managers and help submit paperwork. One of the benefits of comparing rate quotes online is that drivers can save money and get cheap rate quotes and still have a local agent. And providing support for local insurance agents is especially important in San Francisco.
Upon completion of this short form, your coverage information is emailed to companies in San Francisco who will give you quotes for your business. There is no need to search for any insurance agencies because prices are sent to you instantly. If you need to get a comparison quote from one company in particular, you can always jump over to their website and fill out their quote form.
If you are wanting to purchase auto insurance from a reliable agent, it can be helpful to understand the types of insurance agents that differ in how they can insure your vehicles. Agencies in San Francisco are either independent or exclusive. Both types of agents can sell auto insurance policies, but it’s a good idea to understand why they differ because it can impact the selection process.
Independent Auto Insurance Agents
These agents can quote rates with many companies and that allows them to write policies through many companies and get the cheapest rates. To move your coverage to a new company, they simply switch companies in-house which is easy for the insured.
If you need lower rates, it’s recommended you get some free quotes from at least one independent agent for maximum quote selection. Most also have access to less well-known companies that many times have cheaper rates.
Shown below is a short list of independent insurance agents in San Francisco that may be able to provide free rate quotes.
- Steven Cresci Insurance Agency
544 Golden Gate Ave – San Francisco, CA 94102 – (415) 212-8190 – View Map - Robert E. Kennedy Insurance Agency
Flood Building, 870 Market St #740 – San Francisco, CA 94102 – (415) 951-0738 – View Map - Riskguard Insurance Solutions
422 Presidio Ave – San Francisco, CA 94115 – (415) 447-4212 – View Map
Exclusive Insurance Agencies
Agents in the exclusive channel write business for a single company such as Allstate and State Farm. Exclusive agencies are unable to shop your coverage around so they really need to provide good service. Exclusive agents are well schooled on their products and sales techniques and that enables them to sell even at higher rates. Many people choose to use an exclusive agent primarily because of the brand legacy and the convenience of having all coverages with one company.
Below is a list of exclusive insurance agencies in San Francisco who can help you get comparison quotes.
- Farmers Insurance – Elbert Taylor
386 29th St – San Francisco, CA 94131 – (415) 285-4800 – View Map - Dave and Jake Stewart State Farm Insurance
821 Folsom St #101 – San Francisco, CA 94107 – (415) 982-9033 – View Map - Allstate Insurance: Myrna De Vera
2121 19th Ave Ste 102 – San Francisco, CA 94116 – (415) 566-9400 – View Map
Picking a insurance agent needs to be determined by more than just a cheap price quote. These questions are important to ask:
- How long has the business existed?
- Do they write coverage based solely on cost?
- Is there a Errors and Omissions policy in force?
- Do they have 24-hour customer assistance?
- Which company do they place the most coverage with?
- Is the quote a firm price?
Protect your vehicle and other assets
Even though it can be expensive, insurance may not be optional for several reasons.
- The majority of states have compulsory liability insurance requirements which means state laws require specific limits of liability insurance in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you bought your Silverado 2500HD with a loan, most lenders will require you to buy full coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the bank or lender will purchase a policy for your Chevy at a significantly higher premium and force you to pay for it.
- Insurance protects not only your Chevy but also your assets. It will also reimburse you for all forms of medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, your policy will pay to restore your vehicle to like-new condition.
The benefits of buying car insurance are definitely more than the cost, especially when you need to use it. But the average American driver is overpaying more than $820 a year so you should quote rates at least once a year to be sure current rates are still competitive.
Affordable rates are available
Throughout this article, we presented many ideas to find affordable Chevy Silverado 2500HD insurance in San Francisco. The most important thing to understand is the more you quote San Francisco car insurance, the better your comparison will be. Consumers may even find the best price on insurance is with an unexpected company.
There are still a few companies who don’t offer internet price quotes and most of the time these smaller companies provide coverage only through independent insurance agencies. Cheaper Chevy Silverado 2500HD insurance in San Francisco is attainable on the web and also from your neighborhood San Francisco agents, so you should be comparing quotes from both to have the best selection.
When getting San Francisco car insurance quotes online, make sure you don’t buy poor coverage just to save money. There have been many situations where an insured dropped collision coverage and found out when filing a claim that the savings was not a smart move. Your objective should be to get the best coverage possible at an affordable rate.
How to find lower priced Chevy Silverado 2500HD insurance in San Francisco
The preferred way to find affordable Chevy Silverado 2500HD insurance in San Francisco is to do an annual price comparison from companies who sell insurance in California.
- Read about how car insurance works and the measures you can control to keep rates down. Many rating criteria that drive up the price like distracted driving and bad credit can be improved by making small lifestyle or driving habit changes.
- Compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive or State Farm, while agents who are independent can give you price quotes for a wide range of companies. View prices
- Compare the new rate quotes to your existing rates to see if cheaper Silverado 2500HD coverage is available. If you find a better price, make sure coverage is continuous and does not lapse.
- Give notification to your agent or company of your intention to cancel the current policy and submit a completed application and payment to the new insurer. Once the application is submitted, place your new certificate verifying coverage with your registration paperwork.
A good tip to remember is that you’ll want to make sure you compare the same deductibles and limits on every price quote and and to get rate quotes from as many car insurance companies as possible. This enables an apples-to-apples comparison and the best rate selection.
More information is available on the following sites:
- Tread Depth and Tire Safety (State Farm)
- What Insurance is Cheapest for Single Moms in San Francisco? (FAQ)
- How Much are Car Insurance Rates for High School Students in San Francisco? (FAQ)
- What Car Insurance is Cheapest for a Subaru Outback in San Francisco? (FAQ)
- Who Has the Cheapest Auto Insurance After a Speeding Ticket in San Francisco? (FAQ)
- Who Has Cheap Auto Insurance Rates for a Ford Explorer in San Francisco? (FAQ)
- How Much are Auto Insurance Quotes for Lyft Drivers in San Francisco? (FAQ)
- Teen Driving Statistics (iihs.org)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)