Want to know an easy way to compare more competitive GMC Terrain insurance in Phoenix? Locating better insurance prices for a GMC Terrain in Arizona can normally be a lot of work, but you can use these tips to make it easier.
There is a better way to shop for car insurance so you’re going to learn the proper way to get price quotes for a GMC and get the lowest price from Phoenix insurance agents and online providers.
Amazingly, a large majority of drivers have stayed with the same insurance company for a minimum of four years, and 38% of drivers have never quoted car insurance rates at all. Many consumers in Phoenix could pocket nearly 50% a year just by comparing rates, but most just don’t grasp how much they could save if they just switched companies.
Companies offering GMC Terrain insurance in Arizona
The following companies offer price comparisons in Arizona. If multiple companies are shown, we suggest you visit several of them to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Terrain SLE 2WD | $198 | $386 | $240 | $14 | $72 | $910 | $76 |
| Terrain SLE AWD | $202 | $396 | $244 | $14 | $74 | $930 | $78 |
| Terrain SLT 2WD | $138 | $284 | $268 | $16 | $80 | $786 | $66 |
| Terrain SLT AWD | $256 | $528 | $308 | $18 | $92 | $1,202 | $100 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Estimates do not factor in specific location information which can affect premium rates greatly.
Gender-based auto insurance premiums in Phoenix
The example below illustrates the comparison of GMC Terrain insurance costs for male and female drivers. The premiums assume no claims or driving citations, comp and collision included, $250 deductibles, single marital status, and no discounts are applied.
Car insurance discounts help lower rates for GMC Terrain insurance in Phoenix
Car insurance is not an enjoyable expense, but discounts can save money and there are some available that can help lower your rates. A few discounts will automatically apply at the time of purchase, but lesser-known reductions have to be asked for before you will receive the discount.
- Active Service Discounts – Being deployed with a military unit could be rewarded with lower car insurance rates.
- ABS and Traction Control Discounts – Cars, trucks, and SUVs with anti-lock braking systems can reduce accidents so companies give up to a 10% discount.
- Accident Forgiveness Coverage – This one isn’t a discount, but companies like State Farm and Allstate will forgive one accident without the usual rate increase so long as you haven’t had any claims prior to the accident.
- Pay Now and Pay Less – By paying your entire bill at once as opposed to paying monthly you can actually save on your bill.
- Onboard Data Collection – Phoenix drivers who agree to allow companies to analyze driving manner by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates as long as the data is positive.
Don’t be shocked that most credits do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think all those discounts means the company will pay you, car insurance companies aren’t that generous.
Some of the larger companies that may offer most of these discounts are:
It’s a good idea to ask each insurance company what discounts are available to you. Some of the earlier mentioned discounts may not apply to policies in your area.
How do Car Insurance Companies Determine GMC Terrain Insurance Rates?
Lots of things are used in the calculation when you quote your car insurance policy. A few of the factors are predictable like a motor vehicle report, although some other factors are not as apparent like your vehicle usage and annual miles driven.
The factors shown below are a few of the “ingredients” companies use to determine premiums.
Liability insurance is peace of mind – Your policy’s liability coverage is the protection if ever a court rules you are at fault for damages caused by your negligence. It provides you with a defense in court starting from day one. Liability is cheap compared to other policy coverages, so insureds should have plenty of protection for their assets.
Gaps in coverage mean higher car insurance rates – Having a lapse in insurance coverage is a sure-fire way to bump up your car insurance costs. Not only will you pay more, the inability to provide proof of insurance could result in a fine, jail time, or a revoked license. You will then be forced to file a SR-22 with the Arizona motor vehicle department.
When should you file a insurance claims? – If you are the type of insured that files lots of claims you can look forward to higher premiums or even policy non-renewal. Companies in Arizona award cheaper rates to drivers who do not rely on their insurance for small claims. Insurance coverage is intended for claims that pose a financial burden.
Higher deductibles are cheaper – Physical damage deductibles tell how much you are willing to pay before your car insurance pays a claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. A few examples of covered claims could be colliding with a stationary object, vandalism, or theft of your vehicle. The higher the amount the insured has to pay upfront, the better rate you will receive.
Males are more aggressive – Statistics have proven women are more cautious behind the wheel. Now that doesn’t mean men are worse drivers. Males and females get in auto accidents at a similar rate, but the men have costlier accidents. They also have more aggressive citations such as reckless driving. Young males are most likely to cause an accident and thus pay the highest rates.
Improve your credit score and save – Credit rating is a big factor in your rate calculation. People that have high credit ratings tend to file fewer claims as compared to drivers with poor credit scores. So if your credit history is low, you could save money insuring your GMC Terrain by improving your credit score.
Save by driving vehicles with better crash test results – Safe vehicles cost less to insure. Highly rated vehicles reduce the chance of injuries and lower rates of occupant injuries translates into savings for insurance companies and thus lower rates. If the GMC Terrain is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
Experienced drivers save more – Older drivers are viewed as being more responsible, file fewer claims, and are safer drivers.Beginning drivers tend to be careless and easily distracted when driving so they pay higher car insurance rates.
GMC Terrain insurance loss statistics – Insurers use statistical claims data when they file their rates in each state. Vehicles that the data shows to have higher losses will cost more to insure.
The next table illustrates the historical insurance loss data for GMC Terrain vehicles. For each coverage category, the claim amount for all vehicles averaged together is equal to 100. Numbers under 100 indicate better than average losses, while values over 100 indicate frequent claims or statistically larger claims.
GMC Terrain Insurance Loss Statistics
| Vehicle Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| GMC Terrain 4dr 2WD | 89 | 83 | 81 | 96 | 92 | 86 |
| GMC Terrain 4dr 4WD | 89 | 86 | 85 | 83 | 82 | 74 |
Statistics from IIHS.org for 2013-2015 Model Years
Auto insurance is available from local agents
A small number of people still like to buy from a licensed agent and that is a personal choice. Good agents can point out coverage gaps and help file insurance claims. A nice benefit of price shopping on the web is you can get cheap auto insurance rates and still have a local agent. Buying insurance from neighborhood agents is important especially in Phoenix.
To make it easy to find an agent, after completing this form (opens in new window), the coverage information is immediately sent to insurance agents in Phoenix that give free quotes for your auto insurance coverage. It’s much easier because you don’t need to search for any insurance agencies because quoted prices will be sent directly to your email. If you wish to get a comparison quote from a specific insurance company, just visit that company’s website to submit a rate quote request.
Pick the best car insurance agent in Phoenix for you
When finding a reliable insurance agent, it’s important to understand the types of insurance agents that you can choose from. Agents can be described as either independent agents or exclusive agents depending on their employer. Both types of agents can provide auto insurance policies, but it is a good idea to know the differences because it can influence the kind of agent you use.
Independent Agencies or Brokers
These type of agents do not write with just one company so they can write business through many companies and get the cheapest rates. To transfer your coverage to a different company, your policy is moved internally without you having to go to a different agency.
When comparing auto insurance rates, you need to check rates from several independent agencies to have the most options to choose from. Most can insure with smaller regional carriers which could offer lower prices.
Featured below are Phoenix independent agencies that can give you comparison quotes.
- Oasis Insurance
317 N 19th Ave – Phoenix, AZ 85009 – (602) 233-5500 – View Map - MiniCo Insurance Agency, LLC
10851 N Black Canyon Hwy #200 – Phoenix, AZ 85029 – (800) 528-1056 – View Map - Daniels Nicolson Insurance Agency, Inc
4411 N 19th Ave – Phoenix, AZ 85015 – (800) 972-1893 – View Map
Exclusive Agents
These type of agents can usually just insure with one company and examples are American Family, State Farm, and Allstate. Exclusive agents cannot compare other company’s rates so they have to upsell other benefits. Exclusive agents are usually well trained on their company’s products and that allows them to sell at a higher price point. Consumers often buy insurance from these agents partially due to the prominence of the brand rather than having the cheapest rates.
The following are exclusive insurance agents in Phoenix that are able to give comparison quotes.
- Lula Smith – State Farm Insurance Agent
7217 S Central Ave – Phoenix, AZ 85042 – (602) 232-0793 – View Map - American Family Insurance – Luke Shafer
1717 E Bell Rd #7 – Phoenix, AZ 85022 – (602) 788-5359 – View Map - Jerry Wood – State Farm Insurance Agent
3738 E Thomas Rd – Phoenix, AZ 85018 – (602) 955-3284 – View Map
Finding the right car insurance agent is decision based upon more than just a cheap quote. Any good agent in Phoenix should know the answers to these questions.
- How much experience to they have in personal lines coverages?
- How will an accident affect your rates?
- How often do they review policy coverages?
- Will you get a loaner vehicle if you car is being repaired?
- Who are their largest clients?
- Which companies do they recommend if they are an independent agency?
You can lower your insurance rates
Cheap GMC Terrain insurance in Phoenix can be sourced both online and from local agencies, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers may not provide online rate quotes and these small insurance companies prefer to sell through independent insurance agencies.
Consumers switch companies for many reasons like unfair underwriting practices, high rates after DUI convictions, delays in paying claims and even denial of a claim. It doesn’t matter why you want to switch choosing a new company can be pretty painless.
We’ve covered a lot of information how to lower your GMC Terrain insurance prices in Phoenix. The key concept to understand is the more rate comparisons you have, the better likelihood of getting the cheapest GMC Terrain rate quotes. You may even be surprised to find that the lowest prices are with an unexpected company.
For more information, feel free to visit the following helpful articles:
- Auto Crash Statistics (Insurance Information Institute)
- Teen Driving and Texting (State Farm)
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Protecting Teens from Drunk Driving (Insurance Information Institute)