How long has it been since you compared quotes for cheaper Chevy Silverado 3500HD insurance in Phoenix? Are you tired of not being able to scrape enough together each month for insurance? You are no different than most other drivers in Arizona.
It’s hard to fathom, but nearly 70% of consumers renewed their policy with the same company for well over three years, and nearly half have never quoted insurance rates at all. Arizona insurance shoppers could pocket about 50% a year just by getting comparison quotes, but they don’t believe the large savings they would see if they swap their current policy for a cheaper one.
Due to the fact that there are so many insurance companies to choose from that have cheaper insurance for a Chevy Silverado 3500HD in Phoenix, it is very difficult to locate a more affordable insurance company.
It’s a good idea to compare rates yearly because prices fluctuate regularly. Just because you found the best rates on Chevy Silverado 3500HD insurance in Phoenix a couple years back other companies may now be cheaper. There is a lot of wrong information about Silverado 3500HD insurance on the web, but in this article, you’re going to get the best ways to lower your insurance premiums.
Locating the most cost-effective auto insurance policy in Phoenix is actually quite simple. In essence, every car owner who shops around for auto insurance will probably be able to find better rates. But Arizona car owners do need to learn the methods companies use to charge you for coverage because rates fluctuate considerably.
Low cost Chevy Silverado 3500HD insurance prices in Phoenix
To find affordable Chevrolet Silverado 3500HD insurance quotes, there are several ways of comparing rates from lots of Arizona auto insurance companies. By far the easiest way to find the cheapest Chevy Silverado 3500HD insurance rates is simply to get online rate quotes.
Doing online rate quotes comparisons is so easy that it makes it a waste of time to spend time driving to different Phoenix agent offices. Quoting Chevy Silverado 3500HD insurance online eliminates the middleman unless you require the peace of mind that you can only get from talking to an agent. Drivers can get the lowest quotes online but purchase the actual policy in an agency. Keep in mind that having more price comparisons gives you a better chance of getting a better price.
The companies in the list below have been selected to offer quotes in Arizona. If multiple providers are shown, it’s highly recommended you get rate quotes from several of them in order to find the most affordable rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 3500HD LT Crew Cab 4WD | $172 | $376 | $488 | $28 | $146 | $1,210 | $101 |
| Silverado 3500HD LT Extended Cab 4WD | $286 | $608 | $454 | $26 | $136 | $1,510 | $126 |
| Silverado 3500HD LT Crew Cab 2WD | $180 | $290 | $300 | $18 | $90 | $878 | $73 |
| Silverado 3500HD LTZ Crew Cab 2WD | $408 | $548 | $392 | $24 | $118 | $1,490 | $124 |
| Silverado 3500HD LT Crew Cab Diesel 2WD | $170 | $326 | $314 | $18 | $94 | $922 | $77 |
| Silverado 3500HD LTZ Crew Cab Diesel 2WD | $308 | $620 | $314 | $18 | $94 | $1,354 | $113 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Estimates do not factor in specific Phoenix garaging location which can alter auto insurance rates greatly.
Violations and accidents raise rates
The information below demonstrates how traffic citations and at-fault claims raise Chevrolet Silverado 3500HD auto insurance rates for different categories of driver ages. The information is based on a single female driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.
Auto insurance deductibles
A question often asked by Phoenix drivers is where should you set your physical damage deductibles. The rates shown below determine how much more you’ll pay between low and high policy deductibles. The first rate comparisons uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 3500HD LT Crew Cab 4WD | $324 | $632 | $374 | $22 | $112 | $1,489 | $124 |
| Silverado 3500HD LT Extended Cab 4WD | $324 | $632 | $374 | $22 | $112 | $1,489 | $124 |
| Silverado 3500HD LT Crew Cab 2WD | $324 | $548 | $300 | $18 | $90 | $1,305 | $109 |
| Silverado 3500HD LTZ Crew Cab 2WD | $358 | $548 | $300 | $18 | $90 | $1,339 | $112 |
| Silverado 3500HD LT Crew Cab Diesel 2WD | $358 | $632 | $300 | $18 | $90 | $1,423 | $119 |
| Silverado 3500HD LTZ Crew Cab Diesel 2WD | $358 | $632 | $300 | $18 | $90 | $1,423 | $119 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 3500HD LT Crew Cab 4WD | $180 | $334 | $374 | $22 | $112 | $1,022 | $85 |
| Silverado 3500HD LT Extended Cab 4WD | $180 | $334 | $374 | $22 | $112 | $1,022 | $85 |
| Silverado 3500HD LT Crew Cab 2WD | $180 | $290 | $300 | $18 | $90 | $878 | $73 |
| Silverado 3500HD LTZ Crew Cab 2WD | $198 | $290 | $300 | $18 | $90 | $896 | $75 |
| Silverado 3500HD LT Crew Cab Diesel 2WD | $198 | $334 | $300 | $18 | $90 | $940 | $78 |
| Silverado 3500HD LTZ Crew Cab Diesel 2WD | $198 | $334 | $300 | $18 | $90 | $940 | $78 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Table data does not factor in your specific Phoenix location which can revise price quotes greatly.
Based on the above data, using a $100 deductible could cost the average driver approximately $39 more each month or $468 for a full year than buying the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 23 months between claims, you would save money if you elect the higher deductible. Below is a better example of how you can perform this determination yourself.
| Average monthly premium for $100 deductibles: | $118 |
| Average monthly premium for $1,000 deductibles (subtract): | – $79 |
| Monthly savings from raising deductible: | $39 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $39 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 23 months |
One thing to be aware of is that increasing deductibles to lower your rates means you will have to pay more out-of-pocket when you file a claim. You must have some extra savings in the event you have to pay more to get your vehicle repaired.
Why you need insurance for your Silverado 3500HD
Despite the high insurance cost for a Chevy Silverado 3500HD in Phoenix, buying car insurance is required for several reasons.
- The majority of states have mandatory insurance requirements which means state laws require a minimum amount of liability insurance in order to license the 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 took out a loan on your vehicle, it’s guaranteed your bank will have a requirement that you have physical damage coverage to guarantee payment of the loan. If you do not keep the policy in force, the bank will be required to insure your Chevy at a much higher rate and require you to fork over for the expensive policy.
- Insurance protects both your assets and your Chevy Silverado 3500HD. It will also provide coverage for medical expenses for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, will also pay for a defense attorney if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, collision and comprehensive coverages will pay to have it repaired.
The benefits of having car insurance definitely exceed the cost, especially for larger claims. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $869 every year so it’s recommended you shop around each time the policy renews to help ensure money is not being wasted.
Cheaper rates on Chevy Silverado 3500HD insurance in Phoenix with these discounts
Some companies don’t always advertise every possible discount in an easy-to-find place, so we took the time to find some of the best known as well as some of the hidden credits that you can use to lower your rates. If you’re not getting every credit you deserve, you may be paying too high a price.
- Life Insurance Discount – Select insurance carriers reward you with a discounted price on car insurance if you buy a life policy as well.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education as it can save substantially.
- Onboard Data Collection – Policyholders that allow driving data collection to spy on where and when they drive by using a telematics device like Drivewise from Allstate or In-Drive from State Farm might see lower rates as long as the data is positive.
- Good Students Pay Less – This discount may save you up to 25%. Most companies allow this discount well after school through age 25.
- Passive Restraint Discount – Factory air bags can get savings as much as 30%.
- Distant College Student Discount – Youth drivers who are enrolled in higher education away from home and do not take a car to college may be able to be covered for less.
Consumers should know that some credits don’t apply to the entire cost. Most only cut specific coverage prices like collision or personal injury protection. So even though it sounds like you can get free auto insurance, car insurance companies aren’t that generous.
A list of car insurance companies and the discounts they provide are included below.
- GEICO offers discounts for multi-policy, seat belt use, emergency military deployment, daytime running lights, anti-theft, anti-lock brakes, and defensive driver.
- MetLife has savings for accident-free, multi-policy, good driver, good student, claim-free, defensive driver
- Progressive offers premium reductions for online quote discount, online signing, homeowner, continuous coverage, multi-vehicle, good student, and multi-policy.
- Travelers includes discounts for new car, home ownership, good student, multi-car, early quote, and payment discounts.
- SAFECO may have discounts that include teen safety rewards, teen safe driver, multi-car, anti-lock brakes, and accident prevention training.
- AAA may include discounts for good student, multi-policy, education and occupation, anti-theft, multi-car, and pay-in-full.
Before buying, ask all companies you are considering which discounts you qualify for. All car insurance discounts might not be offered on policies in every state. To see a list of car insurance companies who offer car insurance discounts in Arizona, click this link.
Compare prices but buy from a local neighborhood Phoenix car insurance agent
Some consumers just want to sit down and talk to an agent and that is not a bad decision The biggest benefit of comparing rate quotes online is that you can find better rates and still have a local agent.
To find an agent, once you fill out this short form, your information is instantly submitted to participating agents in Phoenix that give free quotes to get your business. You don’t have to contact an agency because prices are sent to the email address you provide. You can find better rates AND an agent nearby. If you wish to get a rate quote from a specific car insurance provider, you can always navigate to their website and give them your coverage information.
Choosing an insurer requires more thought than just a cheap price. You should also get answers to these questions.
- Which company do they place the most coverage with?
- Is the agent and/or agency licensed to do business in Arizona?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Does the agency provide any after hours assistance?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Will the agent help in case of a claim?
- Do you need full coverage on every vehicle?
Phoenix car insurance agents come in two flavors
If you are wanting to purchase car insurance from a reliable insurance agent, you must know there are a couple types of agencies and how they operate. Agents are classified as either independent or exclusive.
Exclusive Car Insurance Agents
Agents of this type can only write with one company and some examples include State Farm or Allstate. Exclusive agents are unable to provide rate quotes from other companies so they are skilled at selling on more than just price. They are usually quite knowledgeable on sales techniques and that enables them to sell even at higher rates.
Shown below is a short list of exclusive agents in Phoenix that can give you price quotes.
Allstate Insurance: Christine Yap
9303 N 7th St Ste 5 – Phoenix, AZ 85020 – (602) 371-0581 – View Map
Jan McDaniel – State Farm Insurance Agent
4030 E Bell Rd #112 – Phoenix, AZ 85032 – (602) 266-2050 – View Map
Mary Parada – State Farm Insurance Agent
3414 W Bell Rd – Phoenix, AZ 85053 – (602) 942-9202 – View Map
Independent Car Insurance Agencies
Agents of this type are not locked into one company so they can write business through many companies and find you the best rates. If they find a lower price, your agent can just switch to a different company and that require little work on your part. When searching for an agent, it’s a good idea to compare quotes from a couple of independent agencies to ensure the widest selection of prices.
Shown below is a short list of independent insurance agents in Phoenix who can help you get comparison quotes.
Oasis Insurance
317 N 19th Ave – Phoenix, AZ 85009 – (602) 233-5500 – View Map
Travelers Insurance
22601 N 19th Ave #216 – Phoenix, AZ 85027 – (623) 572-0032 – View Map
Farmer-Leavitt Insurance Agency
919 N 1st St – Phoenix, AZ 85004 – (602) 264-0566 – View Map
Tailor your insurance coverage to you
Always keep in mind that when comparing your policy for your personal vehicles, there really is not a cookie cutter policy. Your situation is unique.
For instance, these questions might point out whether you would benefit from an agent’s advice.
- If my Chevy Silverado 3500HD is totaled, can I afford another vehicle?
- Am I getting all the discounts available?
- Is my ex-spouse still covered by my policy?
- Are split liability limits better than a combined single limit?
- Will I be non-renewed for getting a DUI or other conviction?
- Do I have any recourse if my insurance company denies a claim?
- What does PIP insurance cover?
- Can I pay claims out-of-pocket if I buy high deductibles?
If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form.
One last note
Consumers change insurance companies for a variety of reasons including extreme rates for teen drivers, policy cancellation, poor customer service and denial of a claim. It doesn’t matter why you want to switch finding a new auto insurance company can be pretty painless.
Low-cost Chevy Silverado 3500HD insurance in Phoenix is available from both online companies as well as from insurance agents, and you should be comparing both to have the best selection. Some insurance providers may not have online rate quotes and many times these smaller companies work with independent agencies.
In this article, we covered many ideas to save on Chevy Silverado 3500HD insurance in Phoenix. The key concept to understand is the more price quotes you have, the better your comparison will be. Consumers could even find that the lowest priced auto insurance comes from the least-expected company.
Additional information is available at the links below
- Liability Insurance Coverage (Nationwide)
- How Much is Phoenix Auto Insurance for Drivers with a DUI? (FAQ)
- What Insurance is Cheapest for Drivers Under 21 in Phoenix? (FAQ)
- Who Has Affordable Phoenix Auto Insurance Quotes for Low Income Drivers? (FAQ)
- How Much are Phoenix Auto Insurance Rates for a Dodge Ram? (FAQ)
- Who Has Cheap Phoenix Auto Insurance for 17 Year Olds? (FAQ)
- Vehicle Insurance in the U.S. (Wikipedia)
- A Tree Fell on Your Car: Now What? (Allstate)
- Understanding Car Crashes Video (iihs.org)