Astonishing but true according to a recent study, over 70% of consumers renewed their policy with the same company for at least four years, and almost 40% of drivers have never quoted auto insurance rates at all. Consumers in Arizona could save themselves up to $730 a year just by comparing rates, but most just don’t grasp the actual amount they would save if they swap their current policy for a cheaper one.
If your goal is the lowest price, then the best way to save on Chevy City Express insurance in Mesa is to do an annual price comparison from insurers in Arizona. Rates can be compared by following these guidelines.
- Try to comprehend how companies price auto insurance and the things you can change to lower rates. Many policy risk factors that increase rates such as your driving record and a poor credit score can be eliminated by making lifestyle changes or driving safer.
- Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from a single company like GEICO or State Farm, while independent agents can quote rates from multiple sources. View a list of agents
- Compare the new rate quotes to your existing policy and determine if there is any savings. If you find a lower rate quote, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Tell your current agent or company to cancel the current policy and submit a down payment and signed policy application to the new company. Once coverage is bound, store the certificate verifying coverage along with the vehicle’s registration papers.
A good piece of advice is that you’ll want to make sure you compare the same level of coverage on each price quote and and to analyze as many car insurance companies as possible. This enables a fair price comparison and many rates to choose from.
Getting a cheaper price on Chevy City Express insurance is not a difficult process. The only thing you need to do is take the time to compare rate quotes from some recommended companies.
The providers in the list below are ready to provide price quotes in Mesa, AZ. If multiple companies are listed, we recommend you visit several of them in order to find the lowest rates.
Rates and statistics
The premium information shown next covers different insurance premium costs for Chevy City Express models. Having insight into how insurance rates are figured is important for drivers to make informed decisions when shopping around for a new policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|City Express Cargo 2500 2WD||$114||$186||$308||$18||$92||$718||$60|
|City Express Cargo 1500 2WD||$114||$226||$308||$18||$92||$758||$63|
|City Express Cargo 3500 2WD||$130||$226||$308||$18||$92||$774||$65|
|City Express 2500 LT 2WD||$130||$226||$308||$18||$92||$774||$65|
|City Express 2500 2WD||$130||$226||$308||$18||$92||$774||$65|
|City Express 2500 LS 2WD||$130||$226||$308||$18||$92||$774||$65|
|City Express 3500 2WD||$130||$226||$308||$18||$92||$774||$65|
|City Express Cargo 1500 AWD||$130||$226||$308||$18||$92||$774||$65|
|City Express 1500 LS 2WD||$130||$226||$308||$18||$92||$774||$65|
|City Express 1500 LS AWD||$130||$266||$308||$18||$92||$814||$68|
|City Express 1500 AWD||$130||$266||$308||$18||$92||$814||$68|
|City Express 1500 LT 2WD||$130||$266||$308||$18||$92||$814||$68|
|City Express Cargo 1500 Turbo Diesel 2WD||$130||$266||$308||$18||$92||$814||$68|
|City Express Cargo 2500 Turbo Diesel 2WD||$148||$266||$308||$18||$92||$832||$69|
|City Express 3500 LT 2WD||$148||$266||$308||$18||$92||$832||$69|
|City Express 3500 LS 2WD||$148||$266||$308||$18||$92||$832||$69|
|City Express 3500 2WD||$148||$266||$308||$18||$92||$832||$69|
|City Express 1500 LT AWD||$148||$266||$308||$18||$92||$832||$69|
|City Express Cargo 3500 Turbo Diesel 2WD||$148||$266||$308||$18||$92||$832||$69|
|City Express Cargo 1500 Turbo Diesel AWD||$148||$266||$308||$18||$92||$832||$69|
|Get Your Own Custom Quote Go|
Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Price information does not factor in garaging location in Mesa which can change prices substantially.
Price comparison of only insuring for liability
The illustration below shows the comparison of Chevy City Express insurance premiums with and without physical damage coverage. The premium estimates are based on no violations or claims, $100 deductibles, single marital status, and no other discounts are factored in.
Should you pay for full coverage?
There is no definitive guideline to delete comp and collision coverage, but there is a general guideline. If the annual cost of your full coverage insurance is more than 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let’s say your Chevy City Express claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $7,000 after the deductible is paid. If it’s costing you more than $700 a year for full coverage, then it might be time to buy liability only.
There are a few cases where dropping physical damage coverage is not advised. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should keep full coverage.
Why insurance is not optional
Even though it’s not necessarily cheap to insure a Chevy in Mesa, paying for insurance is required in Arizona but it also protects you in many ways.
First, the majority of states have mandatory insurance requirements which means you are required to buy a minimum amount of liability 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.
Second, if your City Express has a lienholder, more than likely the lender will stipulate that you buy insurance to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the bank may insure your Chevy at a much higher premium rate and force you to pay for the much more expensive policy.
Third, insurance safeguards not only your Chevy but also your financial assets. Insurance will pay for medical transport and hospital expenses for not only you but also any passengers injured in an accident. Liability insurance also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If your Chevy gets damaged, comprehensive and collision coverage will cover the repair costs.
The benefits of carrying enough insurance greatly outweigh the cost, particularly for liability claims. The average driver in Arizona is overpaying more than $850 per year so compare quotes from several companies at every policy renewal to ensure rates are inline.
Five factors that influence insurance premiums
Lots of things are part of the calculation when quoting car insurance. A few of the factors are predictable like an MVR report, but some are more obscure like your continuous coverage or how safe your car is.
The factors shown below are a few of the “ingredients” utilized by car insurance companies to help set prices.
Prices go up with performance – The performance of the vehicle you need insurance for makes a substantial difference in the rate you pay. The lowest base rates are usually for lower cost passenger models, but there are many factors that impact the final cost.
The following data assumes a married female driver age 50, full coverage with $250 deductibles, and no discounts or violations. It shows Chevrolet City Express insurance premiums compared to other models of vehicles that have a range of performance rating factors.
Careless drivers pay higher premiums – Good drivers pay less for auto insurance than their less careful counterparts. Even one moving violation can increase rates twenty percent or more. Drivers who get license-revoking citations like DUI, reckless driving or excessive speeding may find they need to maintain a SR-22 with their state motor vehicle department in order to legally drive a vehicle.
The example below shows how violations and at-fault accidents can impact Chevy City Express premium costs for different ages of insureds. The rates are based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.
Optional features that lower rates – Buying a car that has a built-in theft deterrent system can get you a discount on your insurance. Theft prevention features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent auto theft and help lower rates.
Safer cars cost less to insure – Safe vehicles can get you lower premiums. Vehicles engineered for safety reduce the chance of injuries and fewer serious injuries means less money paid by your insurance company and lower rates for you.
Keep the miles off and save – The more you drive each year the more you’ll pay to insure your vehicle. Almost all companies charge rates based upon how the vehicle is primarily used. Cars left parked in the garage receive better premium rates than those used for commuting. Having the wrong rating on your City Express may be costing you. Double check that your declarations sheet is rated on the correct usage for each vehicle.
Tailor your auto insurance coverage to you
When choosing a policy, there is no perfect coverage plan. Every insured’s situation is different.
For example, these questions might point out if you could use an agent’s help.
- Is my Chevy City Express covered for flood damage?
- Will my Chevy City Express be repaired with OEM or aftermarket parts?
- Is a driver training discount available?
- Can good grades get a discount?
- Does coverage extend to Mexico or Canada?
- What if a claim settlement is too low?
- Is my custom stereo system covered?
If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.
What is the best car insurance company in Arizona?
Selecting the best insurer can be difficult considering how many choices you have in Arizona. The company information shown below could help you select which providers to look at when comparing rates.
Top 10 Mesa Car Insurance Companies Overall
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
Top 10 Mesa Car Insurance Companies Ranked by Customer Service
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
The best insurance company isn’t always the cheapest
Drivers who switch companies do it for any number of reasons including lack of trust in their agent, questionable increases in premium, policy cancellation or even extreme rates for teen drivers. Regardless of your reason for switching companies, finding a great new company can be pretty painless.
As you quote Mesa auto insurance, it’s very important that you do not reduce needed coverages to save money. There are a lot of situations where someone sacrificed liability coverage limits to discover at claim time that they should have had better coverage. Your strategy should be to buy a smart amount of coverage at the best cost, but do not skimp to save money.
In this article, we presented some good ideas how to get a better price on Chevy City Express insurance in Mesa. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest priced insurance comes from an unexpected company.
Additional detailed information can be read by following these links:
- Tread Depth and Tire Safety (State Farm)
- Who Has Cheap Mesa Auto Insurance for Teenage Females? (FAQ)
- How Much are Mesa Car Insurance Quotes for a Honda Accord? (FAQ)
- How Much is Mesa Car Insurance for Teenagers? (FAQ)
- How Much are Mesa Auto Insurance Rates for Uber Drivers? (FAQ)
- How Much are Car Insurance Rates for a Nissan Sentra in Mesa? (FAQ)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Booster Seat Ratings (iihs.org)