Cheapest Insurance for a Chevy Silverado in Mesa

Do you want a faster way to compare cheaper Chevy Silverado insurance in Mesa? There isn’t anyone who fancies paying their premiums for insurance, especially knowing the cost is way too high.

Remarkably, a study showed that a large majority of insurance policyholders have remained with the same insurance company for over three years, and approximately 38% of consumers have never taken the time to shop around. The average driver in Mesa could pocket as much as $733 a year just by comparing rates, but they underestimate the amount of savings they would get if they switched to a more affordable policy.

Consumers have many car insurance companies to buy insurance from, and even though it’s nice to be able to choose, it makes it harder to compare rates and cut insurance costs.

Cheapest companies for Chevy Silverado insurance in Arizona

The car insurance companies shown below have been selected to offer free rate quotes in Arizona. To locate the cheapest auto insurance in Arizona, it’s highly recommended you click on several of them to get the best price comparison.

Chevy Silverado coverage statistics

The table below showcases estimates of insurance coverage prices for Chevy Silverado models. Learning more about how rates are figured can help drivers make smart buying decisions.

Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Estimates do not factor in specific garaging location which can decrease or increase premiums noticeably.

Impact of citations and accidents on Mesa insurance rates

The chart below illustrates how speeding tickets and at-fault accidents can impact Chevy Silverado auto insurance costs for each different age category. The data assumes a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.

Comparison of insurance rates by age and gender in Mesa

The diagram below visualizes the comparison of Chevy Silverado insurance rates for male and female drivers. The prices are based on no violations or claims, comprehensive and collision coverage, $100 deductibles, drivers are single, and no other discounts are factored in.

Cheaper Mesa car insurance rates with discounts

Car insurance is not cheap nor is it fun to buy but you might already qualify for some discounts that could help you make your next renewal payment. Certain credits will be shown at quote time, but lesser-known reductions have to be asked about before you will receive the discount.

• Federal Government Employee – Simply working for the federal government may qualify for a discount when you quote Mesa car insurance with a few car insurance companies.
• Mesa Homeowners Discount – Just being a homeowner may earn you a small savings because of the fact that having a home shows financial diligence.
• Savings for New Vehicles – Insuring a vehicle that is new can be considerably cheaper because newer vehicles keep occupants safer.
• Resident Student – Children who are enrolled in higher education away from home without a vehicle on campus may qualify for this discount.
• Passive Restraints – Factory options such as air bags or automatic seat belts may get savings of more than 20%.
• Life Insurance Discount – Some car insurance companies give a discount if you purchase some life insurance too.
• Active Military Service – Being on active deployment in the military could trigger a small discount.

Discounts lower rates, but most discount credits are not given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think you can get free auto insurance, it doesn’t quite work that way.

The information below illustrates the comparison of Chevy Silverado premium costs with and without discounts. The information is based on a female driver, no violations or accidents, Arizona state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, homeowner, marriage, and multi-car discounts applied.

If you would like to see a list of companies that offer the discounts shown above in Mesa, follow this link.

Don’t I need to contact an agent?

Certain consumers just want to talk to a local agent and that is just fine! One of the best bonuses of price shopping on the web is the fact that drivers can get cheap auto insurance rates but also keep your business local. And supporting local agencies is still important in Mesa.

For easy comparison, once you complete this quick form, your insurance coverage information gets sent to companies in Mesa that give free quotes to get your business. You don’t have to search for any insurance agencies since price quotes are sent to the email address you provide. You can most likely find cheaper rates and work with a local agent. If you wish to get a price quote from a specific insurance company, feel free to search and find their rate quote page and complete a quote there.

If you want to use a reputable agency, it’s helpful to know the different agency structures that you can select. Agents can be categorized as either independent or exclusive depending on the company they work for.

Independent Agencies or Brokers

Agents that choose to be independent do not write with just one company and that gives them the ability to insure with many different companies depending on which coverage is best. If your agent finds better pricing, they can switch companies in-house which makes it simple for you. If you are comparing rate quotes, it’s a good idea to include at least one independent agent to get the most accurate price comparison.

The following are independent agents in Mesa who may provide free auto insurance rate quotes.

View more agents

Exclusive Agencies

Agents of this type normally can only provide a single company’s rates such as Farmers Insurance, Allstate, or State Farm. They are unable to provide rate quotes from other companies so always compare other rates. These agents are usually well trained on their products and sales techniques which helps them sell insurance even at higher premiums.

The following is a short list of exclusive insurance agencies in Mesa willing to provide rate quotes.

View more agents

Choosing an car insurance agent should include more criteria than just the bottom line cost. Here are some questions to ask:

• Which company do they place the most coverage with?
• Does their agency support local causes in Mesa?
• Will a damage claim use OEM or aftermarket replacement parts?
• If you raise deductibles, how much can you save?
• Is coverage determined by price?
• Does the agency have a good rating with the Better Business Bureau?
• Do they assist clients in filing claims?
• Can they give you a list of client referrals?

Once you have received answers to your satisfaction for all questions you ask as well as a price you’re happy with, it’s a good possibility that you have found an insurance agency that will provide auto insurance coverage. Just be aware that you have the power to cancel coverage at any time so never assume you are locked into any specific company for a certain time period.

Best car insurance company in Mesa

Selecting the highest-rated insurance company can be a challenge considering how many choices drivers have in Arizona. The ranking information below can help you decide which providers you want to consider when comparing rates.

Top 10 Mesa Car Insurance Companies Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. Titan Insurance
5. The General
6. Mercury Insurance
7. AAA Insurance
8. State Farm
9. Nationwide
10. Safeco

Top 10 Mesa Car Insurance Companies Ranked by Customer Service

1. State Farm
2. GEICO
3. The Hartford
4. Mercury Insurance
5. Progressive
6. The General
7. Allstate
8. AAA Insurance
9. American Family
10. Nationwide

Insurance policy coverages for a Chevy Silverado

Having a good grasp of a insurance policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages available from insurance companies.

Collision coverage protection

This coverage will pay to fix damage to your Silverado caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as colliding with another moving vehicle, backing into a parked car, hitting a mailbox, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible on your Silverado to save money on collision insurance.

UM/UIM Coverage

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many Arizona drivers only carry the minimum required liability limits (Arizona limits are 15/30/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, vandalism and hail damage. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance

Med pay and PIP coverage pay for bills like hospital visits, EMT expenses, pain medications, surgery and nursing services. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Coverage for liability

Liability insurance will cover damages or injuries you inflict on people or other property. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 15/30/10 that translate to $15,000 bodily injury coverage, a limit of $30,000 in injury protection per accident, and property damage coverage for $10,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like court costs, medical services and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible. Arizona requires drivers to carry at least 15/30/10 but you should think about purchasing more liability than the minimum.

The next chart shows why buying low liability limits may not provide adequate coverage.

In conclusion

When getting Mesa car insurance quotes online, it’s a bad idea to buy less coverage just to save a little money. In too many instances, someone dropped collision coverage only to find out they didn’t have enough coverage. The aim is to find the BEST coverage at a price you can afford while still protecting your assets.

We just covered some good ideas how to compare Chevy Silverado insurance rates in Mesa. The key thing to remember is the more times you quote, the better chance you’ll have of finding the cheapest Chevrolet Silverado rate quotes. You may even discover the lowest rates are with some of the smallest insurance companies. Smaller companies often have lower car insurance rates on specific markets than their larger competitors like State Farm or Progressive.

Steps to finding cheaper rates for Chevy Silverado insurance in Mesa

The recommended way to get budget Chevy Silverado insurance in Mesa is to regularly compare prices from insurers in Arizona. Drivers can shop around by completing these steps.

• First, try to learn about how companies set rates and the measures you can control to lower rates. Many policy risk factors that result in higher rates such as inattentive driving and an unacceptable credit history can be improved by making minor changes to your lifestyle.
• Second, compare rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or State Farm, while agents who are independent can give you price quotes for a wide range of companies.
• Third, compare the new quotes to your existing rates to determine if switching companies saves money. If you can save money and change companies, make sure there is no lapse between the expiration of your current policy and the new one.

One piece of advice is that you’ll want to make sure you compare the same physical damage deductibles and liability limits on each quote request and to quote with as many carriers as you can. This guarantees an accurate price comparison and the best price selection.

For more information, take a look at these articles:

• Prom Night Tips for Teen Drivers (State Farm)
• What Car Insurance is Cheapest for Felons in Mesa? (FAQ)
• How Much are Mesa Car Insurance Quotes for a Honda Accord? (FAQ)
• Who Has Affordable Auto Insurance for a Ford Explorer in Mesa? (FAQ)
• Can I Drive Legally without Insurance? (Insurance Information Institute)
• Distracted Driving (Insurance Information Institute)
• Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
• Get the Right Protection (InsureUonline.org)