Cheapest Rates for Chevy Silverado 2500HD Insurance in Tucson

It’s easy to assume that auto insurance companies don’t want their customers to go rate shopping. Consumers who shop rates annually are likely to switch insurance companies because of the high probability of finding a lower-priced policy. A recent insurance study discovered that consumers who compared prices once a year saved approximately $865 annually compared to other drivers who don’t regularly compare prices.

If finding low prices for insurance is the reason for your visit, learning the best way to shop and compare insurance can make it easier for you to save money.

Insurance quote for Chevy Silverado 2500HD in TucsonThe recommended way to find lower priced auto insurance rates is to compare prices annually from providers in Tucson.

  1. Gain an understanding of what coverages are included in your policy and the changes you can make to keep rates down. Many risk factors that result in higher prices such as speeding tickets, accidents and your credit history can be remedied by making minor changes to your lifestyle. Keep reading for the details to help prevent costly coverage and get bigger discounts.
  2. Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO or Farmers Insurance, while independent agents can provide rate quotes for a wide range of companies.
  3. Compare the new rates to your existing rates to see if switching to a new carrier will save money. If you find better rates and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Notify your company or agent of your intent to cancel your existing policy. Submit the required down payment along with the signed application to the new insurer. Once coverage is bound, keep the new proof of insurance certificate in an easily accessible location.

The most important part of this process is to make sure you’re comparing similar limits and deductibles on each price quote and and to get rate quotes from every insurance company. This helps ensure a fair price comparison and the most accurate and complete price analysis.

If you have a current insurance policy or are looking for a new policy, use these money-saving tips to buy cheaper insurance without reducing coverage. These tips will help educate you on how insurance works and also pocket some savings Drivers just need to understand the fastest way to compare prices online.

The companies shown below can provide price comparisons in Tucson, AZ. If you want the best car insurance in Tucson, we recommend you compare several of them in order to get a fair rate comparison.

Insurance coverage analysis

The rate information displayed below covers detailed analysis of policy rates for Chevy Silverado 2500HD models. Learning more about how auto insurance premiums are determined is important for drivers to make informed coverage decisions.

Chevrolet Silverado 2500HD Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado 2500HD LT Crew Cab 4WD $262 $460 $300 $18 $90 $1,130 $94
Silverado 2500HD LT Crew Cab 2WD $262 $530 $338 $20 $102 $1,252 $104
Silverado 2500HD LTZ Crew Cab 4WD $262 $460 $300 $18 $90 $1,130 $94
Silverado 2500HD LT Crew Cab Diesel 4WD $292 $530 $300 $18 $90 $1,230 $103
Silverado 2500HD LT Crew Cab Diesel 2WD $292 $530 $338 $20 $102 $1,282 $107
Silverado 2500HD LT Extended Cab Diesel 2WD $292 $530 $338 $20 $102 $1,282 $107
Silverado 2500HD LTZ Crew Cab 2WD $292 $530 $338 $20 $102 $1,282 $107
Silverado 2500HD LTZ Crew Cab Diesel 4WD $292 $530 $300 $18 $90 $1,230 $103
Silverado 2500HD LTZ Crew Cab Diesel 2WD $292 $600 $338 $20 $102 $1,352 $113
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Premium amounts do not factor in specific garaging location which can decrease or increase auto insurance rates greatly.

The chart below illustrates how choosing a deductible and can influence Chevy Silverado 2500HD insurance costs for different age groups. The data assumes a married female driver, full coverage, and no discounts are taken into consideration.

Drive safe and save

The illustration below shows how speeding tickets and at-fault accidents influence Chevy Silverado 2500HD auto insurance rates for each different age category. The data assumes a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.

Chevrolet Silverado 2500HD insurance costs by age and gender

The chart below illustrates the comparison of Chevy Silverado 2500HD yearly insurance costs for male and female drivers. The costs are based on no violations or claims, comp and collision included, $500 deductibles, drivers are not married, and no discounts are taken into consideration.

Full coverage rates compared to liability-only

The diagram below visualizes the comparison of Chevy Silverado 2500HD car insurance rates with full coverage compared to only the Arizona minimum liability coverage. The rate quotes are based on no accidents, no driving violations, $250 deductibles, drivers are single, and no discounts are applied to the premium.

Are you wasting money paying for full coverage?

There is no clear-cut formula of when to exclude physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is more than 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let’s pretend your Chevy Silverado 2500HD replacement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $7,000 after you pay the deductible. If you are currently paying more than $700 a year for physical damage coverage, then you might want to consider buying only liability coverage.

There are some cases where buying only liability insurance is not financially feasible. If you still owe money on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not remove full coverage.

Three reasons to not skimp on auto insurance

Despite the potentially high cost of Chevy Silverado 2500HD insurance, buying auto insurance is required in Arizona but it also protects you in many ways.

First, just about all states have compulsory liability insurance requirements which means state laws require a specific minimum amount of liability 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.

Second, if you have a lien on your car, most lenders will stipulate that you carry insurance to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Chevy at an extremely high rate and make you pay a much higher amount than you were paying before.

Third, auto insurance preserves both your assets and your Chevy Silverado 2500HD. It will also reimburse you for medical transport and hospital expenses that are the result of an accident. Liability coverage, the one required by state law, also pays expenses related to your legal defense if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of insuring your car greatly outweigh the cost, particularly when you have a large claim. In a recent study of 1,000 drivers, the average customer is wasting up to $830 a year so you should quote rates once a year at a minimum to make sure the price is not too high.

Why You Might Pay Lower Rates in Tucson

Many factors are taken into consideration when you quote your car insurance policy. Some of the criteria are obvious like an MVR report, although some other factors are not quite as obvious like your continuous coverage and annual miles driven.

Get cheaper Chevy Silverado 2500HD insurance rates in Tucson

Car insurance is expensive, but you may find discounts to help bring down the price. Many of these discounts will be applied automatically when you get a quote, but some need to be asked for before being credited.Save money with discounts

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think having all the discounts means you get insurance for free, it’s just not the way it works.

The information below illustrates the comparison of Chevy Silverado 2500HD insurance costs with and without discounts applied to the policy rates. The data assumes a male driver, no violations or claims, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, homeowner, multi-car, marriage, and safe-driver discounts applied.

Some of the larger companies that may offer quotes with most of the discounts above include:

When comparing rates, check with every company which discounts can lower your rates. A few discounts might not apply in every state.

You may need specialized insurance coverage

Always remember that when buying a policy, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply.Safe vehicles cost less to insure
Here are some questions about coverages that may help highlight whether you would benefit from professional advice.

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Compare rate quotes but still have a local Tucson insurance agent

Many drivers would prefer to get professional advice from a licensed agent and that can be a smart move Insurance agents can point out coverage gaps and give you someone to call. A nice benefit of comparing rate quotes online is you can get the lowest rates but also keep your business local. Buying from and supporting small agencies is especially important in Tucson.

Insurance agents in TucsonBy using this short form, your insurance data is transmitted to local insurance agents who will give competitive quotes for your business. It simplifies rate comparisons since you won’t have to drive around because quoted prices will be sent straight to your inbox. If you have a need to get a comparison quote from a particular provider, you can always visit that company’s website and complete a quote there.

If you are wanting to find a good Tucson insurance agent, it helps to know the two types of insurance agents that you can choose from. Insurance agents in Tucson can be categorized as either independent or exclusive depending on the company they work for. Either one can do a good job, but it is important to understand why they differ since it can affect the type of agent you choose.

Independent Insurance Agents

Independent agencies are not employed by any specific company so they have the ability to put coverage through many different insurance companies and find you cheaper rates. To move your coverage to a new company, they simply move the coverage in-house and you stay with the same agent.

If you are trying to find cheaper rates, we recommend you get quotes from at a minimum one independent agency for the best price selection. Many independent agencies also insure through companies you’ve never heard of which can be an advantage.

Shown below are Tucson independent insurance agents who may be able to give you price quote information.

More Tucson agents

Exclusive Agents

Exclusive agents can only quote rates from one company such as American Family, State Farm, and Allstate. Exclusive agents are unable to provide other company’s prices so it’s a take it or leave it situation. Exclusive agents receive extensive training on sales techniques which helps them compete with independent agents. Drivers often use the same exclusive agent primarily because of the prominent brand name and the convenience of having a single billing for all their coverages.

The following is a list of exclusive agents in Tucson willing to provide rate quotes.

More Tucson agents

Picking the best car insurance agent needs to be determined by more than just a low price. A good agent in Tucson will have answers to these questions.

One last thing to lower rates

Budget-friendly car insurance in Tucson can be purchased on the web as well as from independent agents in Tucson, and you should compare rates from both so you have a total pricing picture. There are still a few companies who do not provide the ability to get a quote online and many times these regional insurance providers only sell through local independent agents.

We just covered many ways to lower your Chevy Silverado 2500HD insurance premium rates in Tucson. The key concept to understand is the more you quote Tucson auto insurance, the more likely it is that you will get a better rate. You may even be surprised to find that the best price on car insurance is with some of the lesser-known companies. They may cover specific market segments cheaper than their larger competitors like Allstate or State Farm.

More learning opportunities