Shockingly, a large majority of drivers renewed their policy with the same company for over three years, and approximately 40% of consumers have never even compared rates from other companies. Drivers in Arizona could pocket roughly 50% a year just by comparing rates, but they just don’t understand the amount of savings they would get if they changed companies.
The best way we recommend to find cheaper prices for auto insurance rates is to compare prices regularly from providers that insure vehicles in Tucson. You can compare prices by completing these steps.
Step 1: Read about how companies set rates and the steps you can take to keep rates down. Many rating criteria that drive up the price like careless driving and a bad credit rating can be amended by paying attention to minor details.
Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like Progressive or Allstate, while independent agents can provide price quotes for many different companies.
Step 3: Compare the new rates to your existing coverage to see if a cheaper rate is available in Tucson. If you find a better price, make sure there is no coverage gap between policies.
Step 4: Provide adequate notice to your current company to cancel your current policy and submit payment and a completed application to the new insurer. Once the paperwork is finalized, safely store the proof of insurance paperwork in your vehicle.
An important note is to compare the same physical damage deductibles and liability limits on every quote request and and to analyze as many auto insurance providers as possible. Doing this guarantees an apples-to-apples comparison and the best price selection.
Shop Chevy Suburban insurance online
Most companies provide prices from their websites. This process is pretty easy as you simply type in your personal and coverage information on the page. After you submit the form their system automatically retrieves credit information and your driving record and returns pricing information determined by many factors. This makes it simple to compare prices and it is imperative to have as many quotes as possible if you are searching for the lowest payment possible.
To compare pricing, visit the companies below or click here to submit a quote request to multiple companies at once. If you have coverage now, it’s recommended you copy the coverages as close as possible to your current policy. This guarantees you will receive comparison quotes using the exact same coverages.
The providers in the list below provide quotes in Tucson, AZ. To get the cheapest car insurance in AZ, we suggest you compare several of them to get a more complete price comparison.
Best reasons to buy car insurance in Arizona
Despite the fact that car insurance is not cheap in Tucson, paying for car insurance may be mandatory for several reasons.
- Most states have mandatory insurance requirements which means state laws require a minimum amount of liability protection if you drive a vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your vehicle with a loan, almost every bank will make it mandatory that you have physical damage coverage to guarantee payment of the loan. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Chevy at an extremely high rate and force you to pay for the expensive policy.
- Insurance protects both your Chevy Suburban and your personal assets. Insurance will pay for medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage will also pay attorney fees if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay to repair the damage.
The benefits of insuring your car are without a doubt worth the cost, especially if you ever need it. Today the average American driver is wasting up to $865 each year so compare quotes from several companies at every renewal to ensure rates are competitive.
Chevy Suburban insurance statistics and information
The information displayed below showcases a range of rate quotes for Chevy Suburban models. Learning a little about how insurance policy rates are formulated is important for drivers to make smart policy decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Suburban LS 2WD||$202||$324||$282||$16||$84||$908||$76|
|Suburban LT 2WD||$202||$324||$282||$16||$84||$908||$76|
|Suburban LS 4WD||$202||$324||$282||$16||$84||$908||$76|
|Suburban LT 4WD||$202||$324||$282||$16||$84||$908||$76|
|Suburban LTZ 2WD||$202||$382||$282||$16||$84||$966||$81|
|Suburban LTZ 4WD||$224||$382||$282||$16||$84||$988||$82|
|Get Your Own Custom Quote Go|
Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Prices do not factor in the specific area where the vehicle is garaged which can impact rates noticeably.
Careless drivers pay higher rates
The chart below shows how violations and fender-benders influence Chevy Suburban yearly insurance costs for different insured age categories. The information is based on a single male driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.
Price comparison of only insuring for liability
The chart below visualizes the comparison of Chevy Suburban insurance premiums with full coverage compared to only the Arizona minimum liability coverage. The costs are based on no accidents, no driving violations, $500 deductibles, drivers are not married, and no discounts are factored in.
When to stop buying comprehensive and collision coverage
There is no exact rule for eliminating comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is more than around 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your Chevy Suburban book value is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $5,000 after you pay the deductible. If premiums are more than $500 annually to have full coverage, then you may want to consider only buying liability coverage.
There are some circumstances where dropping full coverage is not advised. If you still owe money on your vehicle, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.
Cheaper Chevy Suburban insurance quotes in Tucson
Auto insurance is expensive, but you may find discounts that could drop your premiums quite a bit. A few discounts will automatically apply at the time you complete a quote, but less common discounts must be specifically requested prior to getting the savings.
- Braking Control Discount – Cars and trucks with anti-lock braking systems can avoid accidents so companies give up to a 10% discount.
- Telematics Devices – Insureds that choose to allow driving data submission to track driving patterns by installing a telematics device such as State Farm’s In-Drive might see lower rates if they exhibit good driving behavior.
- Early Switch Discount – Select companies give a discount for renewing your policy before your current Suburban insurance policy expires. Ten percent is about the average savings.
- Driver Education Discount – Have your child successfully take a driver’s education course as it will make them better drivers and lower rates.
- Discount for Multiple Policies – If you combine your homeowners and auto policies with one company you could save at least 10% off all policies.
- Discount for Passive Restraints – Vehicles with factory air bags or motorized seat belts may get savings of 25 to 30%.
- Defensive Driver – Taking time to complete a safe driver course could cut 5% off your bill if your company offers it.
- Home Ownership Discount – Owning a home in Tucson can earn you a little savings because maintaining a house is proof of financial responsibility.
- Low Mileage – Fewer annual miles on your Chevy can earn slightly better auto insurance rates than normal.
As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like all the discounts add up to a free policy, it doesn’t quite work that way.
The information below visualizes the comparison of Chevy Suburban insurance rates with and without policy discounts. The prices are based on a female driver, no violations or accidents, Arizona state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, multi-policy, marriage, and safe-driver discounts applied.
A list of auto insurance companies and some of the premium reductions they offer are included below.
- State Farm may offer discounts for good driver, student away at school, good student, Drive Safe & Save, accident-free, and multiple policy.
- American Family may include discounts for Steer into Savings, air bags, early bird, good driver, TimeAway discount, defensive driver, and bundled insurance.
- GEICO discounts include multi-policy, air bags, emergency military deployment, driver training, and good student.
- 21st Century policyholders can earn discounts including teen driver, automatic seat belts, 55 and older, air bags, anti-lock brakes, and homeowners.
- Progressive has discounts for multi-policy, multi-vehicle, online signing, continuous coverage, and good student.
When getting free Tucson car insurance quotes, it’s a good idea to every insurance company to give you their best rates. Depending on the company, some discounts may not apply in your area. To see a list of companies who offer online Chevy Suburban insurance quotes in Tucson, click here to view.
Local Tucson auto insurance agents
Some consumers would prefer to talk to an insurance agent and that is a personal choice. Licensed agents are highly skilled in risk management and help file insurance claims. A good thing about comparing insurance prices online is that you can find cheap rate quotes and still have a local agent.
For easy comparison, once you complete this simple form, your insurance coverage information is instantly submitted to local insurance agents in Tucson that can give you free Tucson car insurance quotes and help you find cheaper coverage. You won’t even need to contact an agency due to the fact that quote results will go to the email address you provide. In the event you want to compare rates from a particular provider, you can always search and find their rate quote page and fill out their quote form.
Deciding on an insurer requires more thought than just a cheap quote. Any good agent in Tucson should know the answers to these questions.
- Can they give you a list of client referrals?
- Do they write coverage based solely on cost?
- Are aftermarket or OEM parts used to repair vehicles?
- If they are an independent agency in Tucson, which companies do they recommend?
- How much training do they have in personal risk management?
- Does the agent help file claims?
- Do you need full coverage on every vehicle?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
After talking to the agent and getting good answers to all your questions as well as a price you’re happy with, it’s possible that you found an insurance company that is a good match to service your policy. But keep in mind it’s your coverage and you can cancel a policy when you choose so don’t think that you are permanently stuck with any specific agency for the full term.
Tucson car insurance company ratings
Ending up with the best insurer can be rather challenging considering how many companies sell coverage in Tucson. The ranking information below could help you analyze which coverage providers to look at to insure your vehicles.
Top 10 Tucson Car Insurance Companies Ranked by Value
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
Top 10 Tucson Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Find affordable car insurance prices by comparing often
We covered many ways to find cheaper Chevy Suburban insurance in Tucson. The most important thing to understand is the more price quotes you have, the better your comparison will be. Consumers could even find that the best rates are with an unexpected company. Some small companies may only write in your state and offer lower auto insurance rates compared to the large companies like Allstate or State Farm.
As you quote Tucson car insurance, don’t be tempted to skimp on coverage in order to save money. In too many instances, an insured dropped liability coverage limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase a proper amount of coverage for the lowest price, but don’t skip important coverages to save money.
For more information, feel free to visit the resources below:
- Parking Tips to Reduce Door Dings (State Farm)
- Who Has the Cheapest Tucson Car Insurance for Drivers Over Age 50? (FAQ)
- What Auto Insurance is Cheapest for a 20 Year Old Male in Tucson? (FAQ)
- What Car Insurance is Cheapest for State Employees in Tucson? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Honda Accord in Tucson? (FAQ)
- What Auto Insurance is Cheapest for a Jeep Wrangler in Tucson? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for First-time Drivers in Tucson? (FAQ)
- How Much is Car Insurance for 18 Year Olds in Tucson? (FAQ)
- Five Mistakes to Avoid (Insurance Information Institute)
- Liability Insurance Coverage (Nationwide)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)