Getting low-cost Minneapolis Chevy Silverado insurance quotes on the web can seem to be challenging for drivers new to comparing and buying car insurance on the internet. With such a large number of companies competing online, how can anyone efficiently compare them all to find the lowest price?

Insurance rates Chevy Silverado in MinneapolisSad but true, most car insurance policyholders have stayed with the same insurance company for a minimum of four years, and nearly 40% of drivers have never compared rates with other companies. Consumers in Minneapolis could save nearly $1,040 a year by just shopping around, but they don't know the actual amount they would save if they switched to a more affordable policy.

Locating the best rates in Minneapolis is actually quite easy if you know where to start. In essence, everyone who buys car insurance will more than likely be able to save money. But Minnesota drivers do need to understand how companies determine prices and take advantage of how the system works.

Keep in mind that obtaining a wide range of quotes helps you find the best offered rates. Not every company does Minneapolis Silverado insurance quotes over the internet, so you need to compare price estimates from those companies as well.

The companies in the list below provide free rate quotes in Minneapolis, MN. If several companies are displayed, it's a good idea that you visit two to three different companies to get the best price comparison.

Chevrolet Silverado Insurance Costs in Minneapolis, MN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado LS Regular Cab 2WD $184 $350 $406 $24 $122 $1,086 $91
Silverado LS Regular Cab 4WD $168 $268 $324 $20 $96 $876 $73
Silverado LT Regular Cab 2WD $172 $260 $470 $28 $140 $1,070 $89
Silverado LT Regular Cab $156 $284 $344 $20 $104 $908 $76
Silverado LS Extended Cab 4WD $264 $484 $324 $20 $96 $1,188 $99
Silverado LT Extended Cab 4WD $234 $508 $358 $22 $108 $1,230 $103
Silverado LT Extended Cab 2WD $194 $326 $366 $22 $110 $1,018 $85
Silverado LS Extended Cab 2WD $192 $352 $344 $20 $104 $1,012 $84
Silverado LT Crew Cab 4WD $134 $260 $304 $18 $92 $808 $67
Silverado LS Crew Cab 2WD $146 $300 $376 $22 $112 $956 $80
Silverado LS Crew Cab 4WD $146 $300 $334 $20 $100 $900 $75
Silverado LT Crew Cab 2WD $194 $404 $406 $24 $122 $1,150 $96
Silverado LTZ Extended Cab 2WD $256 $392 $470 $28 $140 $1,286 $107
Silverado LTZ Extended Cab 4WD $216 $414 $304 $18 $92 $1,044 $87
Silverado LTZ Crew Cab 2WD $250 $482 $484 $28 $144 $1,388 $116
Silverado LTZ Crew Cab 4WD $316 $486 $416 $24 $124 $1,366 $114
Silverado Crew Cab Hybrid 2WD $216 $476 $304 $18 $92 $1,106 $92
Silverado Crew Cab Hybrid 4WD $192 $374 $298 $18 $90 $972 $81
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Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Minnesota minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Prices do not factor in specific garaging location which can modify insurance rates greatly.

Why car insurance is not optional

Despite the potentially high cost of Chevy Silverado insurance, car insurance is required in Minnesota but also provides important benefits.

The benefits of having car insurance greatly outweigh the cost, especially for larger claims. Today the average American driver is currently overpaying as much as $850 per year so you should quote and compare rates at every renewal to help ensure money is not being wasted.

Do drivers who switch really save?

Auto insurance providers like State Farm, Allstate and GEICO continually stream ads on TV and radio. All the ads say the same thing about saving some big amount after switching your policy. It sounds good, but how can they all cost less than your current company? This is the way they can do it.

Companies give the cheapest rates for the type of driver that will generate a profit. For example, this type of insured could be between the ages of 30 and 50, has never had a policy lapse, and drives a safe vehicle. Any person that hits that "sweet spot" receive the lowest rate quotes in Minneapolis and most likely will save if they switch.

Drivers who fall outside the ideal profile may be required to pay a higher premium which leads to the customer not buying. The ad wording is "customers who switch" not "everyone who quotes" save the amount stated. That is how insurance companies can make those claims. This really illustrates why you really need to compare price quotes frequently. Because you never know which auto insurance company will have the lowest rate quotes.

Verify you're receiving every discount

Companies don't always advertise all discounts in an easy-to-find place, so the list below details a few of the more common and also the lesser-known credits available to lower your premiums when you buy Minneapolis car insurance online. If you check and find you aren't receiving every discount you qualify for, you're just leaving money on the table.Car insurance discounts

One thing to note about discounts is that most discount credits are not given to the entire policy premium. Most only apply to specific coverage prices like medical payments or collision. Despite the appearance that you can get free auto insurance, companies don't profit that way.

A list of companies and a partial list of their discounts are shown below.

When comparing rates, check with each company or agent which discounts you may be entitled to. All car insurance discounts might not be offered in your area. To locate insurance companies with discount rates in Minneapolis, click this link.

Local Minneapolis insurance agents

Some people still like to talk to a local agent and doing so can bring peace of mind The biggest benefit of getting free rate quotes online is you may find lower rates and still buy from a local agent.

Insurance agency in MinneapolisOnce you complete this form (opens in new window), your insurance coverage information gets sent to local insurance agents who will give competitive quotes for your car insurance coverage. You never need to contact an agency as quotes are delivered to the email address you provide. It's the lowest rates and work with a local agent. If you wish to get a rate quote from a particular provider, you just need to go to their quote page to submit a rate quote request.

Deciding on an provider shouldn't rely on just the premium amount. Ask your prospective agent these questions:

How to choose the best car insurance agent in Minneapolis

If you are wanting to find a good insurance agency, you should know the different types of agencies and how they work. Agents are classified as either independent or exclusive depending on the company they work for.

Exclusive Insurance Agents

Agents that elect to be exclusive are contracted to one company such as AAA, Allstate, and State Farm. Exclusive agents are unable to compare rates from other companies so it's a take it or leave it situation. Exclusive agencies receive a lot of sales training on the products they sell which helps them sell on service rather than price. Consumers frequently use the same exclusive agent partially due to loyalty to the company and the convenience of having a single billing for all their coverages.

The following is a list of exclusive agencies in Minneapolis who can help you get comparison quotes.

View more Minneapolis agents

Independent Agents (or Brokers)

Agents that elect to be independent are not employed by any specific company and that allows them to write policies through many companies and find you the best rates. If they quote lower rates, the agent simply finds a different carrier and you don't have to find a new agent. If you are trying to find cheaper rates, it's recommended you include rate quotes from at least one independent agent to maximize your price options. They also have the ability to place coverage with additional companies that you may not be familiar with which can be an advantage.

Listed below are independent agencies in Minneapolis who can help you get price quote information.

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When in doubt talk to an agent

When choosing a policy, there really isn't a single plan that fits everyone. Your needs are unique to you so this has to be addressed.Higher deductibles save money Here are some questions about coverages that might point out whether your personal situation may require specific advice.

If you don't know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

More comparisons equals cheap rates

Some auto insurance companies may not have online quoting and these small, regional companies provide coverage only through local independent agents. Lower-priced auto insurance in Minneapolis is possible online as well as from independent agents in Minneapolis, so you should be comparing quotes from both to have the best selection.

We just covered quite a bit of information on how to find lower-cost Chevy Silverado insurance in Minneapolis. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. You may even find the lowest priced auto insurance comes from a small mutual company. They often have lower rates on specific markets compared to the large companies like Allstate or State Farm.

Much more information about auto insurance in Minnesota is located at these links: