Discount Chevy Silverado insurancePaying for pricey Chevrolet Silverado insurance in Tucson can diminish your savings and force you to make sacrifices. Comparing price quotes is recommended to make ends meet.

Surprisingly, a recent survey revealed that most drivers have remained with the same auto insurance company for four years or more, and just under half have never shopped around. Consumers in Arizona could save themselves $730 a year just by getting comparison quotes, but they just assume it takes a lot of time to compare rates and save money. Many insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates to get the lowest rate possible on Chevy Silverado insurance in Tucson.

Smart consumers take time to compare premium rates before your next renewal because auto insurance rates trend upward over time. Despite the fact that you may have had the best premium rates on Chevy Silverado insurance in Tucson a few years ago you can probably find a lower rate today. You'll find quite a bit of inaccurate information about Silverado insurance out there, but I'm going to show you some proven techniques to lower your auto insurance premiums.

Insurance rates and discounts

Companies offering auto insurance don't always list their entire list of discounts in a way that's easy to find, so we break down both the well known and also the lesser-known insurance savings. If you don't get every credit you qualify for, you are throwing money away.

Consumers should know that many deductions do not apply to your bottom line cost. A few only apply to specific coverage prices like comp or med pay. So despite the fact that it appears you could get a free insurance policy, you're out of luck.

Some of the larger companies that may offer some of the above discounts may include but are not limited to:

Check with every insurance company which discounts they offer. All car insurance discounts may not apply in Tucson. If you would like to choose from a list of insurers with significant discounts in Tucson, click here.

Compare free Tucson Chevy Silverado insurance price quotes

Cutting your Tucson insurance rates can be relatively painless. All that's required is to invest a few minutes comparing free Tucson auto insurance quotes from some recommended companies.

Getting rate quotes online is very simple and it makes it a waste of time to drive around to insurance agencies in your area. Comparing Chevy Silverado insurance rate quotes online has made agencies unnecessary unless you want the personal advice of a local agency. However, consumers can get the lowest quotes online but have a local agent actually write the policy.

The companies in the list below are ready to provide free rate quotes in Tucson, AZ. If your goal is to find cheap auto insurance in Arizona, we recommend you visit two to three different companies to get the most affordable price.

Chevrolet Silverado Insurance Rates in Tucson, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado LS Regular Cab 2WD $158 $272 $326 $20 $98 $874 $73
Silverado LS Regular Cab 4WD $138 $248 $404 $24 $122 $936 $78
Silverado LT Regular Cab 2WD $180 $356 $440 $26 $132 $1,134 $95
Silverado LT Regular Cab $232 $390 $338 $20 $102 $1,082 $90
Silverado LS Extended Cab 4WD $172 $290 $308 $18 $92 $880 $73
Silverado LT Extended Cab 4WD $222 $442 $390 $24 $116 $1,194 $100
Silverado LT Extended Cab 2WD $252 $536 $410 $24 $122 $1,344 $112
Silverado LS Extended Cab 2WD $286 $574 $458 $28 $136 $1,482 $124
Silverado LT Crew Cab 4WD $202 $382 $282 $16 $84 $966 $81
Silverado LS Crew Cab 2WD $138 $284 $356 $22 $106 $906 $76
Silverado LS Crew Cab 4WD $180 $356 $404 $24 $122 $1,086 $91
Silverado LT Crew Cab 2WD $264 $506 $348 $20 $104 $1,242 $104
Silverado LTZ Extended Cab 2WD $126 $246 $326 $20 $98 $816 $68
Silverado LTZ Extended Cab 4WD $126 $246 $288 $18 $86 $764 $64
Silverado LTZ Crew Cab 2WD $202 $382 $318 $18 $96 $1,016 $85
Silverado LTZ Crew Cab 4WD $138 $284 $338 $20 $102 $882 $74
Silverado Crew Cab Hybrid 2WD $182 $418 $338 $20 $102 $1,060 $88
Silverado Crew Cab Hybrid 4WD $224 $440 $282 $16 $84 $1,046 $87
Get Your Own Custom Quote Go

Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Rate information does not factor in specific garaging location which can affect price quotes significantly.

Full coverage rates compared to liability-only

The illustration below shows the comparison of Chevrolet Silverado annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The prices are based on no violations or accidents, $250 deductibles, married female driver, and no policy discounts are applied.

Should you pay for full coverage?

There is no set guideline of when to phase out physical damage insurance, but there is a general guideline you can use. If the yearly cost of full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let's say your Chevrolet Silverado claim settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $4,000 after paying your deductible. If premiums are more than $400 a year for your policy with full coverage, then you may want to consider only buying liability coverage.

There are some situations where buying only liability insurance is not recommended. If you still owe money on your vehicle, you are required to maintain full coverage in order to keep the loan. Also, if you can't afford to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

Informed Drivers Save Every Year

Multiple criteria are considered when pricing auto insurance. Some are obvious such as your driving record, but other factors are more obscure like your continuous coverage or your commute time.

Do I just need basic coverages?

Always remember that when buying coverage online or from an agent for your vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions may help you determine whether or not you would benefit from an agent's advice.

If you're not sure about those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It's fast, doesn't cost anything and you can get the answers you need.

When to contact a local insurance agent

Many people would rather get advice from a local agent and that is not a bad decision Most agents are highly skilled in risk management and help you file claims. An additional benefit of comparing rate quotes online is the fact that you can find cheap rate quotes and still have a local agent.

Tucson insurance agentsAfter filling out this short form, your insurance coverage information is immediately sent to companies in Tucson who will give you bids for your insurance coverage. You don't have to contact any agents as quotes are delivered to you instantly. If you need to get a comparison quote from a specific insurance company, don't hesitate to search and find their rate quote page and fill out the quote form the provide.

Finding a good insurance company should include more criteria than just the quoted price. Agents should be asked these questions:

Multiple types of car insurance agents in Tucson

If you're trying to find a reputable agency, there are two types of insurance agents and how they can quote your rates. Car insurance agencies can be described as either independent or exclusive depending on the company they work for. Either one can do a good job, but it's a good idea to understand the differences since it may influence the selection process.

Exclusive Car Insurance Agents

These type of agents can only quote rates from one company like AAA, Allstate, and State Farm. These agents are not able to place coverage with different providers so they have no alternatives for high prices. Exclusive agencies are usually well trained on sales techniques which helps them sell insurance even at higher premiums.

The following is a list of exclusive insurance agencies in Tucson that are able to give rate quotes.

4319 E Broadway Blvd - Tucson, AZ 85711 - (520) 323-0017 - View Map

4500 E Grant Rd Ste A - Tucson, AZ 85712 - (520) 318-0734 - View Map

7487 E Broadway Blvd - Tucson, AZ 85710 - (520) 296-9525 - View Map

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Independent Agents (or Brokers)

Independent agents are not required to write business for one company so they can write business through lots of different companies and help determine which has the cheapest rates. To transfer your coverage to a different company, an independent agent can move your coverage and you don't have to switch agencies. When comparison shopping, we recommend you include rate quotes from at least one independent agent so that you have a good selection of quotes to compare.

The following is a list of independent agencies in Tucson who can help you get rate quotes.

607 N 6th Ave - Tucson, AZ 85705 - (520) 798-1888 - View Map

5442 E 5th St - Tucson, AZ 85711 - (520) 747-3737 - View Map

2725 E Broadway Blvd - Tucson, AZ 85716 - (520) 795-7737 - View Map

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If you receive positive responses to any questions you have as well as a affordable price, chances are good that you have found an insurance agency that is professional and can insure your vehicles.

Insuring your Silverado just makes sense

Even though it can be expensive, buying auto insurance is required in Arizona but also provides important benefits.

The benefits of carrying enough insurance are definitely more than the cost, particularly when you have a large claim. The average driver in Arizona is overpaying over $855 a year so it's very important to do a rate comparison at every policy renewal to ensure rates are inline.

Compare insurance rates regularly to save

We covered a lot of techniques to get a better price on Chevy Silverado insurance in Tucson. It's most important to understand that the more providers you compare, the higher the chance of saving money. You may even discover the best prices are with a small local company. Smaller companies may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate or State Farm.

When shopping online for insurance, make sure you don't skimp on critical coverages to save a buck or two. In many instances, someone sacrificed uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find at the lowest possible cost while not skimping on critical coverages.

Even more information is available by following these links: