It’s a fact that insurance companies want to keep you from shopping around. Drivers who shop around for a cheaper policy are highly likely to buy a new policy because they have a good chance of finding better rates. A recent insurance study revealed that people who compared rates regularly saved on average $3,500 over four years as compared to drivers who never shopped around.
If finding the lowest price on insurance in Mesa is your objective, then having an understanding of how to get rate quotes and compare insurance coverage can make shopping around easier.
The preferred way to get discount Chevy Silverado 3500HD insurance in Mesa is to start comparing rates regularly from insurers who sell auto insurance in Arizona. You can compare prices by following these steps.
- Step 1: Learn about how car insurance works and the things you can change to lower rates. Many risk factors that increase rates like at-fault accidents, careless driving, and poor credit can be controlled by making minor changes in your lifestyle. This article provides more ideas to get affordable coverage and find discounts that you may qualify for.
- Step 2: Obtain price quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or Allstate, while independent agents can provide rate quotes from multiple insurance companies.
- Step 3: Compare the new quotes to your existing coverage to see if you can save by switching companies. If you can save money, make sure there is no lapse in coverage.
- Step 4: Notify your current company of your intent to cancel the current policy. Submit a down payment along with a completed application to your new company or agent. Once coverage is bound, store the proof of insurance paperwork above your visor, in the console, or in the glove compartment.
The key thing to know about shopping around is to use identical coverage information on each quote request and and to get quotes from as many different insurance providers as possible. This enables a fair rate comparison and a thorough price selection.
Finding quotes for the lowest-priced policy in Mesa is not as hard as you may think. In a nutshell, every driver who has to buy auto insurance stands a good chance to be able to reduce their rates. But Arizona consumers do need to learn the way insurance companies market on the web and use this information to your advantage.
Best companies for cheap Chevy Silverado 3500HD insurance in Arizona
The companies shown below offer free quotes in Arizona. To get the best cheap auto insurance in Mesa, we suggest you visit several of them to get the best price comparison.
Chevy Silverado 3500HD insurance analysis
The rate table displayed next showcases a range of insurance policy prices for Chevy Silverado 3500HD models. Being more informed about how policy premiums are determined can help drivers make smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 3500HD LT Crew Cab 4WD | $216 | $392 | $386 | $22 | $116 | $1,132 | $94 |
| Silverado 3500HD LT Extended Cab 4WD | $216 | $392 | $386 | $22 | $116 | $1,132 | $94 |
| Silverado 3500HD LT Crew Cab 2WD | $216 | $342 | $308 | $18 | $92 | $976 | $81 |
| Silverado 3500HD LTZ Crew Cab 2WD | $238 | $342 | $308 | $18 | $92 | $998 | $83 |
| Silverado 3500HD LT Crew Cab Diesel 2WD | $238 | $392 | $308 | $18 | $92 | $1,048 | $87 |
| Silverado 3500HD LTZ Crew Cab Diesel 2WD | $238 | $392 | $308 | $18 | $92 | $1,048 | $87 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Price estimates do not factor in zip code location which can impact price quotes noticeably.
Higher deductibles lower rates
One of the most common auto insurance questions is what deductibles to buy. The following insurance rates outline the difference in cost when you select higher and lower coverage deductibles. The first data set uses a $100 deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 3500HD LT Crew Cab 4WD | $324 | $632 | $374 | $22 | $112 | $1,489 | $124 |
| Silverado 3500HD LT Extended Cab 4WD | $324 | $632 | $374 | $22 | $112 | $1,489 | $124 |
| Silverado 3500HD LT Crew Cab 2WD | $324 | $548 | $300 | $18 | $90 | $1,305 | $109 |
| Silverado 3500HD LTZ Crew Cab 2WD | $358 | $548 | $300 | $18 | $90 | $1,339 | $112 |
| Silverado 3500HD LT Crew Cab Diesel 2WD | $358 | $632 | $300 | $18 | $90 | $1,423 | $119 |
| Silverado 3500HD LTZ Crew Cab Diesel 2WD | $358 | $632 | $300 | $18 | $90 | $1,423 | $119 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 3500HD LT Crew Cab 4WD | $180 | $334 | $374 | $22 | $112 | $1,022 | $85 |
| Silverado 3500HD LT Extended Cab 4WD | $180 | $334 | $374 | $22 | $112 | $1,022 | $85 |
| Silverado 3500HD LT Crew Cab 2WD | $180 | $290 | $300 | $18 | $90 | $878 | $73 |
| Silverado 3500HD LTZ Crew Cab 2WD | $198 | $290 | $300 | $18 | $90 | $896 | $75 |
| Silverado 3500HD LT Crew Cab Diesel 2WD | $198 | $334 | $300 | $18 | $90 | $940 | $78 |
| Silverado 3500HD LTZ Crew Cab Diesel 2WD | $198 | $334 | $300 | $18 | $90 | $940 | $78 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Estimates do not factor in your specific Mesa location which can change coverage prices substantially.
We can estimate from the data above that using a $100 deductible will cost in the ballpark of $39 more each month or $468 each year than selecting the higher $1,000 deductible. Because you would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go more than 23 months between claims, you would probably come out ahead if you decide on a higher deductible. The numbers below show a better example of how this decision is made.
| Average monthly premium for $100 deductibles: | $118 |
| Average monthly premium for $1,000 deductibles (subtract): | – $79 |
| Monthly savings from raising deductible: | $39 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $39 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 23 months |
Impact of speeding/accidents on Mesa auto insurance rates
The chart below illustrates how traffic citations and at-fault fender-benders drive up Chevy Silverado 3500HD insurance costs for each age group. The rates are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.
Auto insurance prices based on gender
The diagram below shows the difference between Chevy Silverado 3500HD premium costs for male and female drivers. The costs are based on a clean driving record, no claims, comprehensive and collision coverage, $100 deductibles, marital status is single, and no other discounts are factored in.
Price comparison of only insuring for liability
The illustration below illustrates the difference between Chevy Silverado 3500HD insurance prices when comparing full coverage to state minimum liability only. The price estimates are based on no violations or claims, $500 deductibles, single marital status, and no additional discounts are factored in.
Are you wasting money on full coverage?
There isn’t a written rule of when to stop paying for full coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.
For example, let’s pretend your Chevy Silverado 3500HD claim settlement value is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $6,000 after the policy deductible has been paid. If premiums are more than $600 a year for physical damage coverage, then you may need to consider dropping full coverage.
There are some circumstances where dropping full coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not drop full coverage.
Auto insurance discounts are available for cheaper rates
Insuring your fleet can be pricey, but discounts can save money and there are some available to help offset the cost. Most are applied at the time you complete a quote, but some discounts are required to be asked about prior to getting the savings.
- Theft Deterrent – Vehicles optioned with advanced anti-theft systems help deter theft and qualify for as much as a 10% discount.
- Active Service Discounts – Having an actively deployed family member could trigger a small discount.
- Senior Citizens – Seniors can possibly qualify for lower premium rates.
- First Accident Forgiveness – This one is not really a discount per se, but some insurance companies allow you one accident before raising your premiums if you have no claims for a set time period.
- Safety Restraint Discount – Forcing all vehicle occupants to buckle up before driving can save up to 15% on the medical payments or PIP coverage costs.
Please keep in mind that many deductions do not apply to all coverage premiums. A few only apply to specific coverage prices like comp or med pay. So even though you would think all the discounts add up to a free policy, it’s just not the way it works.
The illustration below illustrates the difference between Chevy Silverado 3500HD insurance costs with and without some available policy discounts. The price estimates are based on a male driver, no claims or driving citations, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, safe-driver, multi-policy, claim-free, and homeowner discounts applied.
A few popular companies and some of their more popular discounts include:
- State Farm policyholders can earn discounts including defensive driving training, good student, good driver, anti-theft, and driver’s education.
- Progressive includes discounts for multi-policy, continuous coverage, online quote discount, good student, and online signing.
- Progressive has discounts for multi-vehicle, online quote discount, continuous coverage, online signing, multi-policy, and homeowner.
- MetLife offers premium reductions for defensive driver, accident-free, multi-policy, claim-free, good driver, and good student.
- Farm Bureau offers discounts including 55 and retired, multi-vehicle, safe driver, good student, renewal discount, and driver training.
- GEICO may include discounts for daytime running lights, defensive driver, good student, membership and employees, anti-lock brakes, and military active duty.
- SAFECO has savings for bundle discounts, drive less, teen safety rewards, homeowner, multi-car, accident prevention training, and teen safe driver.
It’s a good idea to ask every insurance company which discounts you qualify for. Some discounts might not be offered on policies in your area. To locate providers that provide some of the discounts listed above in Arizona, follow this link.
Compare rates but still have a local neighborhood Mesa car insurance agent
Some consumers just want to visit with an insurance agent and that is a personal choice. A nice benefit of getting free rate quotes online is you may find lower rates and still buy from a local agent. Supporting neighborhood agents is still important in Mesa.
After filling out this form (opens in new window), your coverage information is transmitted to participating agents in Mesa who will give competitive quotes to get your business. It’s much easier because you don’t need to contact an agency since rate quotes are delivered immediately to your email address. You’ll get the best rates and a licensed agent to work with. If you have a need to get a comparison quote from a particular provider, don’t hesitate to visit that company’s website and give them your coverage information.
Choose an insurance agent wisely
If you would like to find a local agent, you need to know there are two different agency structures and how they can quote your rates. Agents can be categorized as either independent or exclusive depending on the company they work for.
Independent Agents
Agents in the independent channel can sell policies from many different companies so they can insure your vehicles with many different companies and find the cheapest rate. To transfer your coverage to a different company, your agent can switch companies and you don’t have to do anything. When searching for an agent, you absolutely need to get rate quotes from at a minimum one independent agency to maximize your price options. Most independent agents also contract with smaller mutual companies which can be an advantage.
Shown below are independent insurance agents in Mesa who may be able to give you free price quotes.
- Access Auto Insurance
1933 W Main St #5 – Mesa, AZ 85201 – (480) 668-4944 – View Map - Canyon Lands Insurance: Donalds Jeffrey
1550 E University Dr – Mesa, AZ 85203 – (480) 668-7000 – View Map - ABI Insurance LLC
7165 E University Dr #170 – Mesa, AZ 85207 – (480) 921-3400 – View Map
Exclusive Agencies
Agents that choose to be exclusive can only provide pricing for a single company like Allstate and State Farm. They are unable to provide other company’s prices so they have to upsell other benefits. These agents receive extensive training on the products they sell which helps offset the inability to provide other markets. Consumers sometimes purchase coverage from exclusives primarily because of loyalty to the company and the convenience of having a single billing for all their coverages.
The following is a list of exclusive agents in Mesa that are able to give rate quotes.
- Marge Black-Graziano – State Farm Insurance Agent
1155 S Power Rd #106 – Mesa, AZ 85206 – (480) 832-5355 – View Map - Donna Kohlhase – State Farm Insurance Agent
6836 E Brown Rd #101 – Mesa, AZ 85207 – (480) 396-2140 – View Map - Thomas Cho – State Farm Insurance Agent
2500 E Southern Ave – Mesa, AZ 85204 – (480) 777-1100 – View Map
Finding a good insurance agent is decision based upon more than just the bottom line cost. Any good agent in Mesa should know the answers to these questions.
- Do they have a Better Business Bureau rating in Mesa?
- Is assistance available after office hours?
- Will high miles depreciate repair valuations?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Are there any extra charges for paying monthly?
- What kind of financial rating does the company have?
- Is the agency active in community causes in Mesa?
- If you have an accident, will your rates go up?
After you get positive feedback to any questions you have as well as a price you’re happy with, it’s possible that you found a car insurance agent that will insure your vehicles. Keep in mind you are entitled to cancel your coverage whenever you wish so don’t assume you’re contractually obligated to a policy with no way out.
Cheaper insurance rates are possible
Cheaper insurance in Mesa is available from both online companies and from local agencies, so you need to shop Mesa car insurance with both so you have a total pricing picture. Some insurance companies may not have price quotes online and usually these smaller companies work with local independent agents.
We just showed you a lot of techniques to save on Chevy Silverado 3500HD insurance in Mesa. The key concept to understand is the more quotes you get, the higher your chance of finding affordable Mesa car insurance quotes. Consumers may even find the most savings is with some of the lesser-known companies.
As you restructure your insurance plan, it’s a bad idea to reduce coverage to reduce premium. There are too many instances where someone dropped comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage at the best cost.
Additional insurance information can be read at these links:
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Who Has Cheap Auto Insurance Quotes for Drivers with a DUI in Mesa? (FAQ)
- Who Has Cheap Mesa Car Insurance for a Honda CR-V? (FAQ)
- Who Has the Cheapest Mesa Auto Insurance Rates for Lyft Drivers? (FAQ)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- Teen Driving Statistics (GEICO)
- Tools for Teen Driving Safety (State Farm)
- Car Insurance: When not to Skimp (BankRate.com)