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.
The recommended way to find lower priced auto insurance rates is to compare prices annually from providers in Tucson.
- 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.
- 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.
- 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.
- 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.
|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.
- Liability limits should be high – Liability insurance will afford coverage in the event that you are ruled to be at fault for physical damage or personal injury to other. This coverage provides legal defense coverage to attempt to prove you were not liable. It is affordable coverage compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
- Frequent policy claims increase premiums – If you’re an insured who likes to file claims you should expect higher premiums or even policy non-renewal. Car insurance companies in Arizona give the best rates to insureds who file claims infrequently. Your insurance policy is intended for more catastrophic claims.
- Car plus home equals more savings – Most larger insurers afford a discount to insureds who carry more than one policy. It’s known as a multi-policy discount. Even with this discount applied, drivers will still want to check prices from other companies to confirm you are receiving the best rates possible.
- Higher prices for auto insurance lapses – Driving without insurance is not a good idea and companies may charge more for letting your insurance lapse. In addition to paying higher rates, being ticketed for driving with no insurance may earn you a hefty fine and possibly a revoked license.
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.
- Own a Home – Owning your own home or condo can save a few bucks because it requires a higher level of personal finance.
- Anti-lock Brakes – Vehicles that have anti-lock braking systems can stop better under adverse conditions and earn discounts up to 10%.
- Distant Student Discount – Any of your kids who are enrolled in higher education away from home and do not have access to a covered vehicle may be insured at a cheaper rate.
- Early Renewal Discounts – Some larger companies reward drivers for switching policies before your current expiration date. The savings is around 10%.
- Accident Forgiveness Coverage – This isn’t a discount exactly, but a few companies such as Liberty Mutual, Allstate and State Farm may permit one accident before they charge you more for coverage as long as you don’t have any claims for a specific time period.
- Government Employees – Active or former government employment may qualify for a discount when you quote Tucson auto insurance with certain companies.
- Good Student – Getting good grades can save 20 to 25%. Most companies allow this discount until age 25.
- Passive Restraints – Factory options such as air bags or automatic seat belts can get savings of 20 to 30 percent.
- Bundled Policy Discount – If you combine your auto and homeowners policies with the same insurance company you could save over 10 percent off each policy depending on the company.
- Paperwork-free – A few larger online companies give back up to $50 just for signing your application digitally online.
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.
Here are some questions about coverages that may help highlight whether you would benefit from professional advice.
- Why am I be forced to buy a membership to get insurance from some companies?
- Am I covered if I break a side mirror?
- Are split liability limits better than a combined single limit?
- Is my Chevy Silverado 2500HD covered for flood damage?
- Is my nanny covered when driving my vehicle?
- What if a claim settlement is too low?
- What discounts do I qualify for?
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.
By 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.
- Tucson Insurance Associates
51 W Wetmore Rd #101 – Tucson, AZ 85705 – (520) 396-4727 – View Map
- DM Lovitt Insurance Agency
607 N 6th Ave – Tucson, AZ 85705 – (520) 798-1888 – View Map
- Pacific International Insurance, LLC
2193 N Camino Principal – Tucson, AZ 85715 – (520) 886-3066 – View Map
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.
- Nancy Craney – State Farm Insurance Agent
3720 W Ina Rd #132 – Tucson, AZ 85741 – (520) 742-9947 – View Map
- Allstate Insurance: Debe A. Campos-Fleenor
3206 E Grant Rd – Tucson, AZ 85716 – (520) 745-0169 – View Map
- Gilbert Castillo – State Farm Insurance Agent
3010 W Valencia Rd #250 – Tucson, AZ 85746 – (520) 883-2886 – View Map
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.
- Can you use your own choice of collision repair facility?
- Are claims handled at the agent’s location?
- Is every driver in your family covered?
- Do they prorate repair cost based on vehicle mileage?
- Is there a Errors and Omissions policy in force?
- Are they able to influence company decisions when a claim is filed?
- Does the quote include credit and driving reports?
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
- Auto Insurance Learning Center (State Farm)
- Who Has Affordable Tucson Car Insurance Quotes for Unemployed Drivers? (FAQ)
- What Auto Insurance is Cheapest for Hybrid Vehicles in Tucson? (FAQ)
- What Car Insurance is Cheapest for 4×4 Vehicles in Tucson? (FAQ)
- What is Covered by GAP Insurance? (Allstate)
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Teen Driving and Texting (State Farm)