Do you need a fast way to compare low-cost auto insurance rates in Phoenix, AZ? Phoenix buyers have options when searching for the lowest priced GMC Sierra insurance. You can either spend your time contacting agents to compare prices or leverage the internet to make rate comparisons. There are more efficient ways to compare auto insurance rates so we’re going to tell you the quickest way to price shop coverage for a new or used GMC and get the lowest possible price from both online companies and Phoenix agents.
You need to do price comparisons once or twice a year because prices are rarely the same from one policy term to another. Even if you think you had the best quotes on GMC Sierra insurance in Phoenix at your last renewal you may be paying too much now. Block out anything you think you know about auto insurance because we’re going to demonstrate the fastest and easiest way to properly buy coverages while reducing your premium.
Get cheaper rates on GMC Sierra insurance in Phoenix with these eight discounts
Insurance is neither fun to buy or cheap, but there are discounts available that can help lower your rates. Many discounts should be triggered at the time of purchase, but a few must be inquired about before being credited.
- Theft Prevention System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen less frequently and that can save you a little bit as well.
- Student Discounts – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
- ABS Braking Discount – Vehicles with ABS and/or traction control can stop better under adverse conditions so companies give up to a 10% discount.
- Auto/Life Discount – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
- Pay Early and Save – By paying your policy upfront rather than spreading payments over time you may have a lower total premium amount.
- Phoenix Homeowners Discount – Just owning your own home can earn you a little savings since owning and maintaining a home shows financial diligence.
- Telematics Discount – Drivers that enable their company to track driving manner by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if they have good driving habits.
- Passive Restraints – Options like air bags or automatic seat belts could see savings up to 30%.
Don’t be surprised that most credits do not apply to the whole policy. Some only apply to specific coverage prices like medical payments or collision. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way.
Car insurance companies that may offer policyholders these benefits may include but are not limited to:
When comparing rates, check with all companies you are considering which discounts you qualify for. Some of the earlier mentioned discounts may not apply to policies in your state.
The car insurance companies shown below are our best choices to provide comparison quotes in Arizona. If multiple companies are shown, we suggest you visit as many as you can to find the lowest car insurance rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra SLE Regular Cab 2WD | $198 | $386 | $282 | $16 | $84 | $966 | $81 |
| Sierra SL Extended Cab 2WD | $162 | $324 | $338 | $20 | $102 | $946 | $79 |
| Sierra SLE Crew Cab 2WD | $138 | $278 | $390 | $24 | $116 | $946 | $79 |
| Sierra SL Crew Cab 2WD | $256 | $528 | $362 | $22 | $108 | $1,276 | $106 |
| Sierra SLE Crew Cab 2WD | $332 | $548 | $392 | $24 | $118 | $1,414 | $118 |
| Sierra SLE Regular Cab 4WD | $254 | $450 | $306 | $18 | $92 | $1,120 | $93 |
| Sierra SLE Extended Cab 4WD | $236 | $456 | $404 | $24 | $122 | $1,242 | $104 |
| Sierra SLE Crew Cab 4WD | $184 | $290 | $392 | $24 | $118 | $1,008 | $84 |
| Sierra SLT Extended Cab 2WD | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Sierra SL Crew Cab 4WD | $224 | $450 | $314 | $18 | $94 | $1,100 | $92 |
| Sierra SLT Extended Cab 4WD | $184 | $290 | $392 | $24 | $118 | $1,008 | $84 |
| Sierra SLT Crew Cab 2WD | $206 | $364 | $306 | $18 | $92 | $986 | $82 |
| Sierra SLT Crew Cab 4WD | $174 | $326 | $306 | $18 | $92 | $916 | $76 |
| Sierra Denali Crew Cab 2WD | $206 | $334 | $392 | $24 | $118 | $1,074 | $90 |
| Sierra Denali Crew Cab 4WD | $266 | $488 | $308 | $18 | $92 | $1,172 | $98 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Information does not factor in specific garaging location which can impact auto insurance rates noticeably.
Impact of citations and accidents on Phoenix insurance rates
The illustration below demonstrates how speeding tickets and accidents drive up GMC Sierra auto insurance rates for different ages of insureds. The information is based on a single female driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.
Males versus Females
The diagram below illustrates the difference between GMC Sierra car insurance costs for male and female drivers. The data is based on a clean driving record, no claims, full physical damage coverage, $100 deductibles, marital status is single, and no other discounts are factored in.
Physical damage deductibles
One of the more difficult decisions when buying auto insurance is which deductibles should you choose. The rates below determine the rate fluctuation between low and high insurance deductibles. The first set of prices uses a $250 deductible for physical damage and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra SLE Regular Cab 2WD | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| Sierra SL Extended Cab 2WD | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| Sierra SLE Crew Cab 2WD | $232 | $390 | $300 | $18 | $90 | $1,055 | $88 |
| Sierra SL Crew Cab 2WD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Sierra SLE Crew Cab 2WD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Sierra SLE Regular Cab 4WD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Sierra SLE Extended Cab 4WD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Sierra SLE Crew Cab 4WD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Sierra SLT Extended Cab 2WD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Sierra SL Crew Cab 4WD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Sierra SLT Extended Cab 4WD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Sierra SLT Crew Cab 2WD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Sierra SLT Crew Cab 4WD | $292 | $530 | $300 | $18 | $90 | $1,255 | $105 |
| Sierra Denali Crew Cab 2WD | $292 | $530 | $300 | $18 | $90 | $1,255 | $105 |
| Sierra Denali Crew Cab 4WD | $292 | $530 | $300 | $18 | $90 | $1,255 | $105 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra SLE Regular Cab 2WD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Sierra SL Extended Cab 2WD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Sierra SLE Crew Cab 2WD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Sierra SL Crew Cab 2WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Sierra SLE Crew Cab 2WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Sierra SLE Regular Cab 4WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Sierra SLE Extended Cab 4WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Sierra SLE Crew Cab 4WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Sierra SLT Extended Cab 2WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Sierra SL Crew Cab 4WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Sierra SLT Extended Cab 4WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Sierra SLT Crew Cab 2WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Sierra SLT Crew Cab 4WD | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| Sierra Denali Crew Cab 2WD | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| Sierra Denali Crew Cab 4WD | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Rates do not factor in vehicle garaging location which can modify coverage prices substantially.
Based on these figures, using a $250 deductible will cost in the ballpark of $13 more each month or $156 a year than selecting the higher $500 deductible. Since you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you go at least 19 months between claims, you would save money by going with a higher deductible. Here is an example of how you can make your own decision.
| Average monthly premium for $250 deductibles: | $96 |
| Average monthly premium for $500 deductibles (subtract): | – $83 |
| Monthly savings from raising deductible: | $13 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $13 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
One important note is that higher deductibles means you will have to pay more when you have a physical damage claim. You must have some extra savings in order to pay more for the deductible.
Local neighborhood Phoenix car insurance agents
Many people just want to buy from a local agent and doing so can bring peace of mind Professional insurance agents are highly skilled in risk management and help file insurance claims. One of the great benefits of getting free rate quotes online is that you can find better rates and still have a local agent.
Upon completion of this simple form, your insurance data is immediately sent to insurance agents in Phoenix who will give you quotes for your auto insurance coverage. You won’t even need to contact any agents since price quotes are sent to the email address you provide. If you have a need to get a comparison quote from a specific auto insurance provider, just visit that company’s website and complete a quote there.
Picking the best insurer shouldn’t rely on just the price. The questions below may impact your decision as well.
- How many years of experience in personal auto insurance do they have?
- How long has their agency been in business in Phoenix?
- Is there any savings for paying the full premium?
- What is the agency’s Better Business Bureau rating?
- Is the coverage adequate for your vehicle?
- Does the company have a local claim office in Phoenix?
- Has the agent ever had any license suspensions?
- Does their agency support local causes in Phoenix?
Types of car insurance agents
When researching an insurance agent, it’s important to understand the types of agencies to choose from. Agents in Phoenix can be categorized as either exclusive or independent. Either one can write policy coverage, but we need to point out the differences since it can impact which type of agent you select.
Exclusive Insurance Agents
Agents in the exclusive channel work for only one company and some examples include Farmers Insurance, State Farm, or Allstate. They generally cannot give you multiple price quotes so keep that in mind. These agents are well schooled on sales techniques which helps them sell insurance even at higher premiums. Consumers sometimes buy from the same agent for years mostly because of high brand loyalty rather than low price.
Shown below is a list of exclusive agents in Phoenix willing to provide rate quotes.
- Jacob Rosell – State Farm Insurance Agent
2218 N 24th St – Phoenix, AZ 85008 – (602) 267-8200 – View Map - State Farm: Lynn Hennessy
4645 E Chandler Blvd #110 – Phoenix, AZ 85048 – (480) 759-0203 – View Map - Bob Schneider – State Farm Insurance Agent
243 W Portland St – Phoenix, AZ 85003 – (602) 277-2687 – View Map
Independent Insurance Agents
Independent insurance agents can sell policies from many different companies and that is an advantage because they can write policies with multiple insurance companies enabling the ability to shop coverage around. If you are not satisfied with one company, your policy is moved internally which is easy for the insured.
If you need cheaper auto insurance rates, we recommend you include a few independent agents so that you can do a thorough price comparison. They also have the ability to place coverage with additional companies that you may not be familiar with which may provide better rates.
Below are independent agents in Phoenix that are able to give price quote information.
- Farmer-Leavitt Insurance Agency
919 N 1st St – Phoenix, AZ 85004 – (602) 264-0566 – View Map - UNO Insurance Agency
3510 E Bell Rd # 2 – Phoenix, AZ 85032 – (602) 493-2300 – View Map - Fasula Kaplan Insurance Agency
11022 N 28th Dr Suite 125 – Phoenix, AZ 85029 – (602) 564-0880 – View Map
Auto insurance coverages
Learning about specific coverages of auto insurance aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like rehabilitation expenses, ambulance fees, chiropractic care, nursing services and pain medications. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible
UM/UIM (Uninsured/Underinsured Motorist) coverage
Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.
Because many people only carry the minimum required liability limits (which is 15/30/10), it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.
Collision coverage
Collision coverage will pay to fix damage to your Sierra resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like hitting a parking meter, colliding with a tree, driving through your garage door and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also choose a higher deductible on your Sierra to save money on collision insurance.
Comprehensive auto coverage
Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as damage from a tornado or hurricane, hitting a bird, hail damage, damage from getting keyed and vandalism. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Liability coverages
Liability coverage protects you from damages or injuries you inflict on a person or their property. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 15/30/10 that translate to $15,000 in coverage for each person’s injuries, $30,000 for the entire accident, and property damage coverage for $10,000.
Liability insurance covers things like legal defense fees, emergency aid and attorney fees. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford. Arizona requires minimum liability limits of 15/30/10 but drivers should carry better liability coverage.
In the end, you can save money
When getting Phoenix auto insurance quotes online, make sure you don’t buy less coverage just to save a little money. There have been many situations where an accident victim reduced liability coverage limits only to regret that the small savings ended up costing them much more. The ultimate goal is to find the BEST coverage for the lowest cost, but do not skimp to save money.
More affordable car insurance in Phoenix can be sourced both online and from local agencies, so you need to quote Phoenix auto insurance with both in order to have the best price selection to choose from. There are still a few companies who may not offer online price quotes and usually these small, regional companies prefer to sell through independent insurance agencies.
Consumers change insurance companies for any number of reasons including being labeled a high risk driver, poor customer service, policy non-renewal or even lack of trust in their agent. Regardless of your reason for switching companies, switching car insurance companies is actually quite simple.
Other resources
- Understanding your Policy (NAIC.org)
- Who Has Cheap Auto Insurance for a Toyota Tacoma in Phoenix? (FAQ)
- Who Has Cheap Phoenix Auto Insurance Rates for Drivers Over Age 70? (FAQ)
- How Much is Car Insurance for Electric Cars in Phoenix? (FAQ)
- Who Has Cheap Car Insurance Rates for Felons in Phoenix? (FAQ)
- Who Has Affordable Phoenix Auto Insurance for Single Moms? (FAQ)
- Older Driver Statistics (Insurance Information Institute)
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- How to Avoid Staged Accidents (State Farm)