Paying 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.
- Defensive Driver - Taking a defensive driving course may get you a small discount and make you a better driver.
- Service Members Pay Less - Having a deployed family member can result in better insurance rates.
- ABS Braking Discount - Anti-lock brake equipped vehicles are safer to drive and the ABS can save up to 10%.
- More Vehicles More Savings - Buying insurance for multiple vehicles with one company can get a discount for every vehicle.
- Safety Restraint Discount - Drivers who require all vehicle occupants to buckle up before driving can save 10% or more off the personal injury premium cost.
- Low Mileage - Maintaining low annual mileage can qualify you for cheaper prices.
- Discount for Good Grades - Being a good student may save as much as 25% on a Tucson auto insurance quote. You can use this discount normally up until you turn 25.
- Sign Early and Save - Some insurance companies reward drivers for switching companies early. This can save 10% or more.
- Driver's Education for Students - Teen drivers should successfully complete driver's ed class in high school.
- Telematics Discount - Drivers who elect to allow driving data collection to look at when and where they use their vehicle by installing a telematics device like In-Drive from State Farm and Progressive's Snapshot could save a few bucks as long as they are good drivers.
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.
|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.
- Save money with theft deterrents - Driving a car that has an advanced theft prevention system can help lower your premiums. Anti-theft features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent auto theft and help lower rates.
- Buy a safe car and pay less - Safer cars get lower rates. These vehicles protect occupants better and better occupant protection means your insurance company pays less which can result in lower premiums. If your Chevy Silverado earned at least an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
- Gender matters - Over the last 30 years, statistics show that females take fewer risks when driving. The data does not necessarily mean that men are worse drivers. Men and women are in auto accidents in similar percentages, but males get into accidents with more damage. Men also receive more major tickets like driving under the influence (DUI). Young males generally have the highest accident percentage and are penalized with high auto insurance rates.
- Poor driving leads to higher prices - Careful drivers pay lower auto insurance prices as compared to those with violations. Only having one driving citation could increase your next policy renewal forty percent or more. Drivers who have gotten license-revoking tickets like DUI or willful reckless driving might be required by their state to maintain a SR-22 to the state department of motor vehicles in order to continue driving.
- Is your car built for speed? - The make and model of the car or truck you own makes a substantial difference in your premium level. The lowest base rates will normally be found when insuring smaller low performance passenger models, but your final cost has many other factors. Due to the fact that the Chevrolet Silverado is a pickup truck, rates will be similar in price than the average rate where you live in Tucson.
- Don't let your policy lapse - Having a lapse in insurance coverage can be a quick way to increase your rates. Not only will rates go up, getting caught without coverage could result in a revoked license or a big fine. You may then be required to provide proof of insurance in the form of an SR-22 filing with the Arizona DMV.
- Claims statistics for a Chevy Silverado - Car insurance companies study historical loss data as a tool for profitable underwriting. Vehicles that statistically have a higher amount or frequency of claims will have higher rates.
The information below illustrates the compiled insurance loss statistics for Chevy Silverado vehicles. For each insurance policy coverage type, the loss probability for all vehicles, regardless of manufacturer or model, is considered to be 100. Percentage values below 100 are indicative of better than average losses, while values over 100 indicate more frequent losses or tendency to have larger claims.
Insurance Loss Ratings for Chevrolet Silverado Vehicles
Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Chevrolet Silverado 1500 2WD 76 118 85 78 69 125 Chevrolet Silverado 1500 4WD 60 76 72 54 Chevrolet Silverado 1500 Crew Cab 2WD 89 103 131 77 70 94 Chevrolet Silverado 1500 Crew Cab 4WD 96 105 116 57 57 87 Chevrolet Silverado 1500 Ext Cab 2WD 90 126 100 88 85 117 Chevrolet Silverado 1500 Ext Cab 4WD 84 98 89 60 60 88 Chevrolet Silverado 2500 2WD 60 65 Chevrolet Silverado 2500 4WD 66 97 66 Chevrolet Silverado 2500 Crew Cab 2WD 76 127 65 Chevrolet Silverado 2500 Crew Cab 4WD 88 114 97 45 42 82 Chevrolet Silverado 2500 Ext Cab 2WD 80 54 Chevrolet Silverado 2500 Ext Cab 4WD 79 105 83 37 43 75 Chevrolet Silverado 3500 4WD 65 Chevrolet Silverado 3500 Crew Cab 4WD 98 127 108 54 39 76 Chevrolet Silverado 3500 Ext Cab 4WD 129 127
Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
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 my Chevy Silverado is totaled, can I afford another vehicle?
- What states are considered no-fault?
- Am I covered if I have no license?
- What if a claim settlement is too low?
- Am I covered by my spouse's policy after a separation?
- Can I use my car for my catering business?
- Where can I find DUI or SR-22 insurance?
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.
After 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:
- Where would glass claims be handled in Tucson?
- What company do they have the most business with?
- Are they in the agency full-time?
- What discounts might you be missing?
- Which insurance companies are they affiliated with?
- Will the company cover a rental car if your car is getting fixed?
- Is there a 24/7 contact number?
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.
American Family Insurance - Kristi Frank Agency Inc.
4319 E Broadway Blvd - Tucson, AZ 85711 - (520) 323-0017 - View Map
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.
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.
- Most states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability insurance if you don't want to risk a ticket. 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 your Chevy Silverado has a loan, it's most likely the lender will have a requirement that you carry insurance to guarantee loan repayment. If the policy lapses, the bank or lender will purchase a policy for your Chevy at a more expensive rate and force you to reimburse them the higher price.
- Auto insurance preserves both your Chevy and your personal assets. It will also cover hospital and medical expenses that are the result of an accident. One policy coverage, liability insurance, also pays for attorney fees and expenses if you are sued as the result of an accident. If mother nature or an accident damages your car, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.
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:
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- Who Has the Cheapest Car Insurance Quotes for a 20 Year Old Female in Arizona? (FAQ)
- How Much is Car Insurance for Inexperienced Drivers in Arizona? (FAQ)
- What Insurance is Cheapest for a Nissan Rogue in Arizona? (FAQ)
- What is the Best Cheap Auto Insurance in Oro Valley, AZ? (FAQ)
- What Car Insurance is Cheapest for 19 Year Olds in Arizona? (FAQ)
- Collision Coverage (Liberty Mutual)
- Airbag FAQ (iihs.org)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Child Safety Seats (Insurance Information Institute)