Regrettably, nearly 70% of drivers kept buying from the same company for a minimum of four years, and approximately 38% of consumers have never compared rates from other carriers. Many consumers in Arizona can save $733 each year just by shopping around, but most tend to underestimate the big savings they would realize if they switched.
The preferred way to get low-cost auto insurance rates is to start comparing prices regularly from insurers in Chandler. This can be done by following these guidelines.
First, try to comprehend the coverage provided by your policy and the measures you can take to keep rates in check. Many risk factors that increase rates such as careless driving and an unacceptable credit history can be controlled by making minor driving habit or lifestyle changes.
Second, request price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from one company like GEICO or State Farm, while agents who are independent can provide prices for many different companies. View companies
Third, compare the new quotes to your existing coverage to see if cheaper Sierra 2500HD coverage is available. If you find a better price, make sure there is no lapse between the expiration of your current policy and the new one.
The key thing to know about shopping around is to use identical coverages on every price quote and and to analyze as many auto insurance providers as possible. This provides an apples-to-apples comparison and a thorough selection of prices.
Get cheaper GMC Sierra 2500HD insurance rates in Chandler
Auto insurance can be pricey, but companies offer discounts to help bring down the price. Some discounts apply automatically at the time of purchase, but some discounts are required to be asked for prior to getting the savings.
- Safety Course Discount – Taking time to complete a defensive driving course can save you 5% or more and easily pay for the cost of the class.
- Military Rewards – Being on active duty in the military may qualify for rate reductions.
- Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a lower premium rate if you buy some life insurance in addition to your auto policy.
- Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course in school or through a local driver safety program.
- Discounts for Multiple Vehicles – Drivers who insure multiple vehicles on one policy can reduce the rates for all insured vehicles.
- Senior Citizens – Seniors may be able to get a small decrease in premiums.
- College Student – Kids who attend college more than 100 miles from Chandler and do not take a car to college may be insured at a cheaper rate.
- Accident-Free Discounts – Chandler drivers who stay claim-free get the best auto insurance rates in comparison with frequent claim filers.
Discounts lower rates, but many deductions do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as comprehensive or collision. Even though it may seem like you would end up receiving a 100% discount, companies wouldn’t make money that way.
The information below illustrates the comparison of GMC Sierra 2500HD auto insurance rates with and without discounts applied to the policy premium. The data is based on a male driver, no accidents or driving violations, 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, marriage, homeowner, safe-driver, multi-car, and multi-policy discounts applied.
Some companies that may offer policyholders some of the above discounts include:
When getting a coverage quote, ask every prospective company which discounts you qualify for. Some discounts might not be available to policyholders everywhere. To locate companies who offer cheap GMC Sierra 2500HD insurance quotes in Chandler, follow this link.
The most recommended method to compare insurance rates from multiple companies is to take advantage of the fact most insurance companies will pay a fee to give rate comparisons. The only thing you need to do is provide information including distance driven, whether you are single or married, your job, and if it has an anti-theft system. Your information is then sent to many different companies and you will receive price estimates instantly.
If you would like to start a quote now, click here and complete the form.
The companies shown below offer free rate quotes in Arizona. If you want cheap car insurance in Chandler, we suggest you get rates from several of them to get the most affordable price.
Rate information and statistics
The information shown next covers detailed analysis of policy rates for GMC Sierra 2500HD models. Understanding more about how auto insurance premiums are calculated can help you make smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 2500HD SLE Regular Cab 4WD | $250 | $566 | $338 | $20 | $102 | $1,276 | $106 |
| Sierra 2500HD SLE Regular Cab 2WD | $250 | $566 | $382 | $22 | $114 | $1,334 | $111 |
| Sierra 2500HD SLE Crew Cab 4WD | $250 | $566 | $338 | $20 | $102 | $1,276 | $106 |
| Sierra 2500HD SLE Extended Cab 4WD | $250 | $566 | $338 | $20 | $102 | $1,276 | $106 |
| Sierra 2500HD SLE Crew Cab 2WD | $250 | $650 | $382 | $22 | $114 | $1,418 | $118 |
| Sierra 2500HD SLE Extended Cab 2WD | $250 | $650 | $382 | $22 | $114 | $1,418 | $118 |
| Sierra 2500HD SLT Crew Cab 4WD | $250 | $650 | $338 | $20 | $102 | $1,360 | $113 |
| Sierra 2500HD SLT Extended Cab 4WD | $250 | $650 | $338 | $20 | $102 | $1,360 | $113 |
| Sierra 2500HD SLT Extended Cab 2WD | $250 | $650 | $382 | $22 | $114 | $1,418 | $118 |
| Sierra 2500HD SLT Crew Cab 2WD | $278 | $650 | $382 | $22 | $114 | $1,446 | $121 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Table data does not factor in specific zip code location which can revise auto insurance rates greatly.
Physical damage deductible comparison
A question often asked by Chandler drivers is at what level do you set your deductibles. The comparison tables below lay out the cost difference when you buy lower versus higher policy deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 2500HD SLE Regular Cab 4WD | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Sierra 2500HD SLE Regular Cab 2WD | $292 | $548 | $338 | $20 | $102 | $1,325 | $110 |
| Sierra 2500HD SLE Crew Cab 4WD | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Sierra 2500HD SLE Extended Cab 4WD | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Sierra 2500HD SLE Crew Cab 2WD | $292 | $632 | $338 | $20 | $102 | $1,409 | $117 |
| Sierra 2500HD SLE Extended Cab 2WD | $292 | $632 | $338 | $20 | $102 | $1,409 | $117 |
| Sierra 2500HD SLT Crew Cab 4WD | $292 | $632 | $300 | $18 | $90 | $1,357 | $113 |
| Sierra 2500HD SLT Extended Cab 4WD | $292 | $632 | $300 | $18 | $90 | $1,357 | $113 |
| Sierra 2500HD SLT Extended Cab 2WD | $292 | $632 | $338 | $20 | $102 | $1,409 | $117 |
| Sierra 2500HD SLT Crew Cab 2WD | $324 | $632 | $338 | $20 | $102 | $1,441 | $120 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 2500HD SLE Regular Cab 4WD | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Sierra 2500HD SLE Regular Cab 2WD | $162 | $290 | $338 | $20 | $102 | $912 | $76 |
| Sierra 2500HD SLE Crew Cab 4WD | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Sierra 2500HD SLE Extended Cab 4WD | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Sierra 2500HD SLE Crew Cab 2WD | $162 | $334 | $338 | $20 | $102 | $956 | $80 |
| Sierra 2500HD SLE Extended Cab 2WD | $162 | $334 | $338 | $20 | $102 | $956 | $80 |
| Sierra 2500HD SLT Crew Cab 4WD | $162 | $334 | $300 | $18 | $90 | $904 | $75 |
| Sierra 2500HD SLT Extended Cab 4WD | $162 | $334 | $300 | $18 | $90 | $904 | $75 |
| Sierra 2500HD SLT Extended Cab 2WD | $162 | $334 | $338 | $20 | $102 | $956 | $80 |
| Sierra 2500HD SLT Crew Cab 2WD | $180 | $334 | $338 | $20 | $102 | $974 | $81 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Prices do not factor in specific garaging location which can affect coverage prices considerably.
Based on the above data, using a $100 deductible could cost the average driver approximately $37 more each month or $444 for a full year than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 24 months between claim filings, you would save more money if you choose the higher deductible.
Smart Buyers Can Reduce Insurance Rates
An important part of buying insurance is that you know some of the things that are used to determine the rates you pay for auto insurance. If you understand what impacts premium levels, this empowers consumers to make smart changes that may reward you with lower premium levels. Many things are used when you get a price on insurance. A few of the factors are predictable such as your driving record, but some are not as apparent such as your credit history or your financial responsibility.
The items below are a partial list of the pieces companies use to determine your rates.
- GPS tracking and theft deterrents reduce auto insurance rates – Purchasing a vehicle with a theft deterrent system can get you a discount on your auto insurance. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop your car from being stolen.
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Women pay lower premiums – Over the last 50 years, statistics have shown that women are safer drivers than men. Now that doesn’t mean females are better drivers. Men and women cause auto accidents at about the same rate, but the male of the species have accidents that have higher claims. Not only that, but men also receive more costly citations like driving under the influence (DUI). Male drivers age 16 to 19 are the most expensive to insure and therefore are the most expensive to insure.
The information below illustrates the comparison of GMC Sierra 2500HD insurance rates for male and female drivers. The rate quotes are based on no driving violations, no at-fault accidents, comp and collision included, $100 deductibles, drivers are not married, and no discounts are factored in.
- High deductibles reduce costs – Protection for physical damage, aka comp and collision, covers damage that occurs to your GMC. Examples of some claims that would be covered are a dented fender, hail damage, and having your car stolen. Comprehensive and collision coverage deductibles tell how much you are willing to pay before a claim is paid by your company. The more of the claim you’re willing to pay, the less your company will charge you for insurance.
- High credit score translates to low rates – Having a bad credit rating can be an important factor in calculating your premium rate. Insureds that have excellent credit scores tend to file fewer claims and have better driving records as compared to drivers with lower ratings. If your credit rating can use some improvement, you could pay less to insure your GMC Sierra 2500HD by taking the time to improve your credit score.
- Marriage discount – Having a wife or husband helps lower the price on your auto insurance policy. Marriage demonstrates that you tend to be less irresponsible and insurance companies reward insureds because married drivers tend to have fewer serious accidents.
- Multi-policy discounts can save money – Some insurers allow better rates to clients that buy multiple policies, otherwise known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. If you currently are using one company, it’s still a good idea to compare other Chandler Sierra 2500HD insurance rates to confirm you are receiving the best rates possible. It’s possible to still save even more by buying insurance from more than one company.
- Avoid unnecessary extra coverages – There are a lot of additional extra coverages that you can buy when buying auto insurance. Coverage for things like roadside assistance, better glass coverage, and term life insurance may not be needed and are just wasting money. These coverages may sound good when discussing your needs, but if they’re wasting money eliminate them to save money.
How to know if you need help
When quoting and comparing insurance from an agent or online for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is unique.
These are some specific questions may help you determine whether your personal situation might need professional guidance.
- Should I put collision coverage on all my vehicles?
- Am I covered when driving in Canada or Mexico?
- Can I make deliveries for my home business?
- Is there coverage for injuries to my pets?
- Am I covered when driving a rental car?
- What are good deductibles for a GMC Sierra 2500HD?
- When do I need to add a new car to my policy?
- Is my cargo covered for damage or theft?
- How do I insure my teen driver?
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and can help protect your family.
Do I need an insurance agent?
Some consumers would prefer to talk to an insurance agent. Most agents are trained risk managers and help in the event of a claim. A good thing about comparing rate quotes online is the fact that you can find the best rates and still buy from a local agent.
To make it easy to find an agent, after completing this form (opens in new window), the quote information is submitted to companies in Chandler who will give you quotes and help you find cheaper coverage. You won’t even need to leave your house since price quotes are sent immediately to your email address. If you wish to compare prices from a specific insurance company, you just need to go to their quote page and complete a quote there.
Choosing the best company needs to be determined by more than just a cheap price. These are some questions you should get answers to.
- Does the agency support the community they serve?
- Are claims handled at the agent’s location?
- Do they specialize in personal lines auto insurance in Chandler?
- What is their Better Business Bureau rating?
- When do they do policy reviews?
- If independent agents, which companies do they recommend?
- Will they make sure you get an adequate claim settlement?
If you want a local agent, it helps to know the two types of insurance agents and how they can quote your rates. Agents are classified as either exclusive or independent agents depending on their company appointments. Either can handle car insurance, but we need to point out the subtle differences because it can impact the selection process.
Exclusive Agents
These agents write business for a single company and examples are Farmers Insurance and State Farm. Exclusive agents cannot place coverage with different providers so keep that in mind. These agents are highly trained on their company’s products which aids in selling service over price.
Listed below are exclusive agents in Chandler willing to provide price quote information.
Farmers Insurance – Joe Baselice
5355 W Chandler Blvd #8 – Chandler, AZ 85226 – (480) 940-0909 – View Map
Roger Morsch – State Farm Insurance Agent
2450 S Arizona Ave #6 – Chandler, AZ 85286 – (480) 855-4632 – View Map
State Farm: Bryan Ross
5960 S Cooper Rd #2 – Chandler, AZ 85249 – (480) 855-8555 – View Map
Independent Car Insurance Agencies
Agents of this type often have affiliation with several companies so as a result can place your coverage with any number of different companies depending on which coverage is best. If you want to switch companies, they simply move the coverage in-house which makes it simple for you.
When comparing car insurance prices, you absolutely need to include a few independent agents to have the most options to choose from.
Shown below is a list of independent insurance agents in Chandler willing to provide comparison quotes.
J L Pound Insurance Agency
12139 E Cloud Rd – Chandler, AZ 85249 – (602) 284-2141 – View Map
Parrish Insurance
1256 W Chandler Blvd # G – Chandler, AZ 85224 – (480) 821-1005 – View Map
Taylor Insurance Agency
920 W Chandler Blvd #1 – Chandler, AZ 85225 – (480) 264-6226 – View Map
Why you need quality insurance for your vehicle
Despite the high insurance cost for a GMC Sierra 2500HD in Chandler, buying auto insurance may be required and benefits you in several ways.
First, almost all states have mandatory liability insurance requirements which means you are required to carry specific limits of liability insurance if you want to drive legally. 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 you have a lien on your vehicle, it’s most likely the lender will require you to buy insurance to guarantee loan repayment. If you do not keep the policy in force, the bank may insure your GMC at a much higher premium rate and require you to reimburse them a much higher amount than you were paying before.
Third, auto insurance protects both your assets and your car. It will also pay for medical bills for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you cause an accident and are sued. If mother nature or an accident damages your car, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.
The benefits of insuring your car outweigh the cost, especially with large liability claims. According to a 2015 survey, the average American driver overpays more than $825 a year so it’s recommended you shop around every year to make sure the price is not too high.
What is the best car insurance company in Chandler?
Selecting the top insurance provider can be difficult considering how many different companies sell coverage in Arizona. The rank data shown below may help you select which auto insurers to look at when comparing rates.
Top 10 Chandler Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Final considerations
Some companies may not provide online price quotes and usually these regional insurance providers provide coverage only through independent insurance agencies. Budget-friendly insurance in Chandler can be purchased both online and also from your neighborhood Chandler agents, so you need to compare both to have the best chance of lowering rates.
Consumers switch companies for many reasons like not issuing a premium refund, questionable increases in premium, extreme rates for teen drivers or unfair underwriting practices. No matter why you want to switch, finding the right insurance provider can be easier than you think.
In this article, we presented a lot of tips how to get a better price on GMC Sierra 2500HD insurance in Chandler. It’s most important to understand that the more price quotes you have, the higher your chance of finding low cost Chandler auto insurance quotes. Consumers could even find that the most savings is with the smaller companies.
To learn more, feel free to browse these articles:
- Help Your Teen Be a Better Driver (State Farm)
- Who Has the Cheapest Auto Insurance Rates for a Chevrolet Silverado in Chandler? (FAQ)
- Who Has Affordable Chandler Car Insurance Quotes for Retired Military? (FAQ)
- Who Has the Cheapest Auto Insurance for Business Use in Chandler? (FAQ)
- Who Has Cheap Chandler Auto Insurance for Seniors? (FAQ)
- What Auto Insurance is Cheapest for Government Employees in Chandler? (FAQ)
- Who Has Affordable Auto Insurance with Multiple Speeding Tickets in Chandler? (FAQ)
- Vehicle Safety Ratings (iihs.org)
- Shopping for a Safe Car (Insurance Information Institute)