Unfortunately, almost 70% of drivers kept their policy with the same company for well over three years, and approximately 40% of consumers have never taken the time to shop around. Chandler drivers could save an average of approximately 50% each year by just comparing rate quotes, but most undervalue the actual amount they would save if they swap their current policy for a cheaper one.
It takes a little time, but the best way to find better pricing on auto insurance rates is to begin comparing prices regularly from providers who sell insurance in Chandler. You can compare prices by completing these steps.
- Try to comprehend the coverage provided by your policy and the modifications you can make to lower rates. Many things that result in higher rates like at-fault accidents, speeding tickets, and poor credit history can be eliminated by making minor changes in your lifestyle.
- Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from one company like GEICO and Allstate, while independent agents can provide prices from multiple insurance companies.
- Compare the new quotes to your existing rates and determine if cheaper Silverado 3500HD coverage is available in Chandler. If you find a better price, make sure coverage does not lapse between policies.
- Notify your current company to cancel your existing policy and submit payment and a signed application to the newly selected company. Once coverage is bound, put the certificate verifying coverage somewhere easily accessible.
The most important part of shopping around is that you’ll want to compare identical coverages on every quote request and and to get prices from as many car insurance companies as possible. Doing this provides an accurate price comparison and the best price selection.
Choosing the best insurance company for you in Chandler is really quite simple as long as you have a good starting point. If you’re already insured or are looking for a new policy, use these tips to reduce premiums and possibly find even better coverage. Vehicle owners only need to know the most time-saving way to compare rate quotes from many different companies online.
The companies shown below offer price comparisons in Arizona. In order to find cheap car insurance in Chandler, we recommend you visit as many as you can to get the cheapest price.
Reduce your auto insurance rates with discounts
Car insurance companies do not advertise every discount they offer in a way that’s easy to find, so the next list breaks down a few of the more common and also the more inconspicuous discounts you could be receiving when you buy Chandler auto insurance online.
- Good Students Pay Less – Getting good grades can save 20 to 25%. This discount can apply until age 25.
- Driver’s Ed – Require your teen driver to successfully complete driver’s ed class in school or through a local driver safety program.
- Discount for New Cars – Adding a new car to your policy can save up to 30% because new model year vehicles keep occupants safer.
- Discount for Multiple Policies – When you have multiple policies and insure them both with the same insurance company you could earn a discount of nearly 15% which can help you find affordable Chevrolet Silverado 3500HD insurance rates in Chandler.
- Discount for Low Mileage – Driving less can qualify you for slightly better rates than normal.
- No Charge for an Accident – Not necessarily a discount, but some companies like GEICO and Allstate will turn a blind eye to one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
- Military Discounts – Having an actively deployed family member may lower your premium rates slightly.
A quick disclaimer, most discount credits are not given to your bottom line cost. Most cut specific coverage prices like collision or personal injury protection. Even though it appears you can get free auto insurance, it’s just not the way it works.
The information below compares Chevy Silverado 3500HD auto insurance costs with and without discounts applied to the premium. The price estimates are based on a female driver, a clean driving record, no claims, Arizona state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-car, multi-policy, claim-free, and homeowner discounts applied.
Companies that may have many of the previously listed discounts are:
If you need affordable Chevrolet Silverado 3500HD insurance quotes, ask every company which discounts they offer. Savings might not be available to policyholders in Chandler. To choose insurers who offer free Chevy Silverado 3500HD insurance quotes in Chandler, follow this link.
Insurance coverage details
The coverage information displayed next showcases different policy rates for Chevy Silverado 3500HD models. Having knowledge of how premiums are formulated is important to be able to make smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 3500HD LT Crew Cab 4WD | $282 | $518 | $382 | $22 | $114 | $1,318 | $110 |
| Silverado 3500HD LT Extended Cab 4WD | $282 | $518 | $382 | $22 | $114 | $1,318 | $110 |
| Silverado 3500HD LT Crew Cab 2WD | $282 | $450 | $306 | $18 | $92 | $1,148 | $96 |
| Silverado 3500HD LTZ Crew Cab 2WD | $312 | $450 | $306 | $18 | $92 | $1,178 | $98 |
| Silverado 3500HD LT Crew Cab Diesel 2WD | $312 | $518 | $306 | $18 | $92 | $1,246 | $104 |
| Silverado 3500HD LTZ Crew Cab Diesel 2WD | $312 | $518 | $306 | $18 | $92 | $1,246 | $104 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Price estimates do not factor in specific zip code location which can modify auto insurance rates greatly.
Physical damage deductible comparison
One of the hardest decisions when shopping for insurance is at what level do you set your deductibles. The following tables can help you understand the cost difference between high and low deductibles. The first set of prices uses a $100 comprehensive and collision 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 | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rate information does not factor in your specific Chandler location which can influence rates significantly.
Based on this data, we can arrive at the conclusion that using a $100 deductible will cost in the ballpark of $39 more each month or $468 each year averaged for all Silverado 3500HD models than requesting the higher $1,000 deductible. Because you would be required to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 23 months between claims, you would save more money by going with a higher deductible.
How to determine if a higher deductible is a good idea
| 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 |
One big caveat is that higher deductibles results in a higher out-of-pocket expense when you have a comprehensive or collision claim. That will necessitate enough disposable savings in the event you have to pay the deductible for vehicle repair.
Reckless driving habits raise insurance rates
The information below shows how traffic citations and at-fault fender-benders drive up Chevy Silverado 3500HD insurance costs for different age categories. The data assumes a married female driver, comp and collision included, $100 deductibles, and no discounts are factored in.
Insurance prices based on gender
The illustration below illustrates the difference between Chevy Silverado 3500HD yearly insurance costs for male and female drivers. The data assumes no claims or driving citations, comprehensive and collision coverage, $1,000 deductibles, single status, and no discounts are taken into consideration.
Chevrolet Silverado 3500HD liability rates compared to full coverage
The example below visualizes the comparison of Chevy Silverado 3500HD auto insurance rates with full coverage compared to only the Arizona minimum liability coverage. The information is based on no violations or accidents, $250 deductibles, marital status is single, and no other discounts are factored in.
When to drop full coverage
There is no clear-cut formula to stop buying physical damage coverage, but there is a general school of thought. If the yearly cost for physical damage coverage is more than about 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.
For example, let’s assume your Chevy Silverado 3500HD replacement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $2,000 after paying your deductible. If premiums are more than $200 annually to have full coverage, then it might be time to consider dropping full coverage.
There are a few situations where removing full coverage is not advised. If you still owe money on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not buy liability only.
How Car Insurance Companies Calculate Chevy Silverado 3500HD Insurance Costs
It’s important that you understand some of the elements that help determine your auto insurance rates. When you understand what impacts premium levels, this enables informed choices that may result in cheaper rates. Multiple criteria are used when you quote your car insurance policy. Some of the criteria are obvious such as traffic violations, but others are not as apparent like your vehicle usage or how financially stable you are.
Shown below are a few of the things used by your company to calculate rates.
Auto insurance rates and your vocation – Jobs such as real estate brokers, executives, and stock brokers usually pay higher rates than average due to intense work situations and lots of time spent away from family. On the other hand, professions such as farmers, athletes and performers have lower than average premiums.
Save money by eliminating incidental coverages – Policies have add-on coverages that sound like a good idea at the time but may not be useful. Insurance for things like vanishing deductibles, towing coverage, and Farm Bureau memberships could be just wasting money. These coverages may sound good when you first buy your policy, but if you’ve never needed them in the past think about removing them and cutting costs.
Liability coverage – A critical coverage on your policy, liability insurance is the protection when you are ruled to be at fault for damages from an accident. It will provide you with a defense in court to defend your case. Liability insurance is quite affordable compared to comp and collision, so do not skimp.
When should you file claims? – If you tend to file frequent claims, you should expect much higher rates or policy non-renewal. Auto insurance companies in Arizona generally give the best rates to policyholders who file claims infrequently. Your car insurance is meant to be used in the event of the large, substantial claims.
You may require the services of an agent
Some people just want to buy from a local agent and that is a personal choice. Experienced insurance agents can help you build your policy and help submit paperwork. A good thing about comparing rate quotes online is that you can find cheap rate quotes but also keep your business local.
After filling out this form (opens in new window), your insurance coverage information is immediately sent to local insurance agents in Chandler who can give free rate quotes to get your business. You never need to find an agent on your own due to the fact that quote results will go instantly to you. If you have a need to get a rate quote from a specific insurance company, just search and find their rate quote page and complete a quote there.
Finding the right provider should depend on more than just the premium amount. These are some questions your agent should answer.
- What will you get paid if your car is a total loss? How is that amount determined?
- Is the agent CPCU or CIC certified?
- Do the companies they represent have a solid financial rating?
- Are they able to provide referrals?
- Is the agency covered by Errors and Omissions coverage?
- Does the agent help file claims?
- Are they able to influence company decisions when a claim is filed?
- Will a damage claim use OEM or aftermarket replacement parts?
Pick the best auto insurance agent in Chandler for you
If you are wanting to find local Chandler agents, it helps to know the two different agency structures to choose from. Auto insurance policy providers are considered either exclusive or independent. Either one can handle auto insurance, but it’s worth mentioning the difference in the companies they write for because it can influence the kind of agent you use.
Exclusive Insurance Agencies
Exclusive agencies can only write with one company such as AAA, Allstate, and State Farm. Exclusive agents are unable to shop your coverage around so you need to shop around if the rates are high. They are trained well on the products they sell which aids in selling service over price. Some people will only use the same agent mostly because of the brand legacy and the convenience of having all coverages with one company.
Shown below is a list of exclusive agents in Chandler that are able to give price quotes.
- State Farm: Debbie Wiltse
4980 S Alma School Rd #A6 – Chandler, AZ 85248 – (480) 792-9468 – View Map - Allstate Insurance: Joe Kittelson
1351 N Alma School Rd Ste 160 – Chandler, AZ 85224 – (480) 545-8877 – View Map - Allstate Insurance: Joe Kennedy
2330 N Alma School Rd Ste 126 – Chandler, AZ 85224 – (480) 526-8277 – View Map
Independent Auto Insurance Agencies
These agents can quote rates with many companies so they have the ability to put coverage with any number of different companies enabling the ability to shop coverage around. If your premiums go up, your agent can switch companies and the insured can keep the same agent.
When shopping rates, you will definitely want to include rate quotes from multiple independent agents to get the best comparison. Many write coverage with less well-known companies which may have better rates.
Shown below are independent insurance agents in Chandler that are able to give comparison quotes.
- Sean Paul Insurance Agency
333 N Dobson Rd #160 – Chandler, AZ 85224 – (480) 525-8846 – View Map - Foothills Insurance Agency
2490 S Gilbert Rd #105 – Chandler, AZ 85286 – (480) 759-1970 – View Map - Taylor Insurance Agency
920 W Chandler Blvd #1 – Chandler, AZ 85225 – (480) 264-6226 – View Map
Quote more to save more
When you buy Chandler auto insurance online, it’s very important that you do not reduce coverage to reduce premium. There are too many instances where someone sacrificed liability limits or collision coverage only to regret they didn’t have enough coverage. Your focus should be to purchase plenty of coverage for the lowest cost while still protecting your assets.
Consumers switch companies for a number of reasons such as high rates after DUI convictions, questionable increases in premium, being labeled a high risk driver or even high prices. No matter why you want to switch, choosing a new insurance company is pretty easy and you might even save some money in the process.
Affordable Chevy Silverado 3500HD insurance in Chandler can be sourced on the web in addition to local insurance agencies, so you should be comparing quotes from both to have the best selection. Some insurance companies may not have rates over the internet and most of the time these small insurance companies only sell coverage through local independent agencies.
Additional detailed information can be found in the articles below:
- Choosing an Insurance Company (Insurance Information Institute)
- How Much are Car Insurance Rates for a GMC Sierra in Chandler? (FAQ)
- What Auto Insurance is Cheapest for Drivers Under 21 in Chandler? (FAQ)
- What Car Insurance is Cheapest for Drivers with Good Credit in Chandler? (FAQ)
- How Much are Chandler Car Insurance Quotes for a Toyota Highlander? (FAQ)
- Neck Injury FAQ (iihs.org)
- Understanding your Policy (NAIC.org)