Shockingly, the vast majority of consumers in Arizona have stayed with the same insurance company for a minimum of four years, and just under half have never even compared quotes to find affordable rates. With the average premium in the U.S. being $1,847, drivers can cut their rates by nearly $859 a year, but most tend to underestimate the amount of savings they would get if they swap their current policy for a cheaper one.
The most effective way to find more affordable Chevy Suburban insurance in Chandler is to annually compare prices from different companies who provide auto insurance in Arizona.
- It will benefit you to learn about auto insurance and the factors you can control to keep rates down. Many things that cause high rates such as accidents, careless driving, and a less-than-favorable credit rating can be improved by making lifestyle changes or driving safer. This article gives additional ideas to help keep rates affordable and earn a bigger discount.
- Quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive and State Farm, while independent agents can provide rate quotes from many different companies.
- Compare the new rates to your existing policy to see if switching to a new carrier will save money. If you find a lower rate and make a switch, ensure coverage does not lapse between policies.
- Notify your current company to cancel your existing policy. Submit the application along with any required down payment to your new carrier. When you receive it, place the new certificate verifying proof of insurance with the vehicle registration.
The most important part of this process is to make sure you’re comparing similar coverage information on each quote request and and to get prices from as many different insurance providers as possible. This ensures an accurate price comparison and a complete price analysis.
Affordable companies for Chevy Suburban insurance in Arizona
The companies in the list below offer quotes in Chandler, AZ. If multiple companies are listed, we suggest you get prices from several of them to get a more complete price comparison.
Data for Chevy Suburban insurance
The price information shown below outlines different coverage costs for Chevy Suburban models. Being more informed about how insurance policy rates are figured is important for drivers to make informed decisions when comparing rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Suburban LS 2WD | $250 | $456 | $338 | $20 | $102 | $1,166 | $97 |
| Suburban LT 2WD | $250 | $456 | $338 | $20 | $102 | $1,166 | $97 |
| Suburban LS 4WD | $250 | $456 | $338 | $20 | $102 | $1,166 | $97 |
| Suburban LT 4WD | $250 | $456 | $338 | $20 | $102 | $1,166 | $97 |
| Suburban LTZ 2WD | $250 | $538 | $338 | $20 | $102 | $1,248 | $104 |
| Suburban LTZ 4WD | $278 | $538 | $338 | $20 | $102 | $1,276 | $106 |
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Rate information does not factor in your specific Chandler location which can change coverage rates substantially.
Choosing deductibles
One frequently asked question is how high or low should comp and collision deductibles be. The figures shown below summarize the difference in cost when you select higher and lower insurance deductibles. The first rate estimation uses a $250 deductible for comp and collision and the second pricing table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Suburban LS 2WD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| Suburban LT 2WD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| Suburban LS 4WD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| Suburban LT 4WD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| Suburban LTZ 2WD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Suburban LTZ 4WD | $292 | $460 | $300 | $18 | $90 | $1,185 | $99 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Suburban LS 2WD | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| Suburban LT 2WD | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| Suburban LS 4WD | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| Suburban LT 4WD | $162 | $246 | $300 | $18 | $90 | $816 | $68 |
| Suburban LTZ 2WD | $162 | $290 | $300 | $18 | $90 | $860 | $72 |
| Suburban LTZ 4WD | $180 | $290 | $300 | $18 | $90 | $878 | $73 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Price estimates do not factor in the specific area where the vehicle is garaged which can influence prices considerably.
We can derive from the above data that using a $250 deductible will cost you about $23 more each month or $276 every year than requesting the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 33 months between claim filings, you would probably come out ahead by selecting a higher deductible.
The diagram below demonstrates how choosing different deductibles and can affect Chevy Suburban insurance premiums for different age groups. The premiums assume a married female driver, full coverage, and no other discounts are factored in.
Rate difference between full and liability-only coverage
The example below compares Chevy Suburban auto insurance rates with and without physical damage coverage. The price estimates are based on a clean driving record, no at-fault accidents, $1,000 deductibles, single status, and no policy discounts are applied.
Should you buy full coverage or liability only?
There is no definitive formula of when to eliminate comp and collision coverage, but there is a guideline you can consider. If the yearly cost of full coverage is about 10% or more of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s assume your Chevy Suburban claim settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would receive is $7,000 after paying the physical damage deductible. If it’s costing you more than $700 annually for physical damage coverage, then it may be the right time to buy liability only.
There are a few cases where removing full coverage is not recommended. If you still owe money on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should keep full coverage.
Lower rates by qualifying for discounts
Properly insuring your vehicles can get expensive, but you may be missing some discounts to help offset the cost. Larger premium reductions will be automatically applied when you purchase, but a few must be asked about before they will apply.
- Claim Free – Chandler drivers who stay claim-free are rewarded with significantly better rates on Chandler car insurance quote when compared with drivers who are more careless.
- Club Memberships – Participating in a qualifying organization could qualify you for a break on your next renewal.
- ABS and Traction Control Discounts – Cars, trucks, and SUVs equipped with ABS or steering control can avoid accidents so companies give up to a 10% discount.
- Seat Belts Save – Drivers who always wear seat belts and also require passengers to buckle their seat belts may be able to save a few bucks off the medical payments premium.
- Discount for New Cars – Buying a new car instead of a used Suburban can be considerably cheaper because newer models have to meet stringent safety requirements.
- Discount for Low Mileage – Fewer annual miles on your Chevy could be rewarded with substantially lower premium rates.
- Good Student – Excelling in school can save 20 to 25%. Most companies allow this discount up to age 25.
One thing to note about discounts is that some credits don’t apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, car insurance companies aren’t that generous.
The chart below illustrates the comparison of Chevy Suburban car insurance rates with and without discounts applied to the premium. The price estimates are based on a female driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, homeowner, multi-policy, safe-driver, and multi-car discounts applied.
To see insurers that can offer you the previously mentioned discounts in Chandler, follow this link.
Local insurance agents
Many drivers would rather get professional advice from a licensed agent and that can be a great decision Professional agents are trained risk managers and will help you if you have claims. The best thing about comparing insurance prices online is that you can obtain lower rates but still work with a licensed agent.
To find an agent, once you fill out this simple form, your information is instantly submitted to participating agents in Chandler that provide free Chandler car insurance quotes for your business. You won’t even need to search for any insurance agencies since price quotes are sent instantly to you. If you want to quote rates from a specific insurance provider, you would need to search and find their rate quote page and fill out their quote form.
Deciding on a insurer requires more thought than just the premium amount. Any agent in Chandler should have no problem answering these questions:
- Which insurance company do they prefer to write with?
- Are they involved in claim handling?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- If they are an independent agency in Chandler, which companies do they recommend?
- Will the company cover a rental car if your car is getting fixed?
- How is replacement cost determined on your vehicle?
- Do you work with a CSR or direct with the agent?
After getting reasonable responses to your questions and an affordable coverage quote, you have narrowed it down to an insurance company that is reliable enough to provide insurance coverage. Just keep in mind you are entitled to cancel your coverage at any point so never assume that you’re stuck with the insurance policy with no way to switch.
A conclusion for your car insurance search
As you quote Chandler car insurance, it’s a bad idea to buy poor coverage just to save money. In too many instances, an insured dropped full coverage only to regret they didn’t have enough coverage. Your goal is to buy the best coverage you can find at an affordable rate, but don’t skip important coverages to save money.
We just presented a lot of ways to find cheap Chevy Suburban insurance in Chandler. It’s most important to understand that the more rate quotes you have, the better likelihood of getting affordable Chevrolet Suburban insurance quotes. You may even discover the best rates are with the least-expected company. Regional companies may only write in your state and offer lower auto insurance rates compared to the large companies like State Farm, GEICO and Nationwide.
The cheapest Chevy Suburban insurance in Chandler can be bought on the web and from local insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies may not offer the ability to get quotes online and most of the time these small insurance companies work with independent agencies.
To learn more, take a look at the resources below:
- Auto Insurance FAQ (Farmers Insurance)
- Who Has the Cheapest Chandler Auto Insurance for a Ford Explorer? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Chevrolet Silverado in Chandler? (FAQ)
- Who Has Cheap Auto Insurance for a Honda Accord in Chandler? (FAQ)
- What Insurance is Cheapest for Homeowners in Chandler? (FAQ)
- What Auto Insurance is Cheapest for Teenage Males in Chandler? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Kia Optima in Chandler? (FAQ)
- Who Has Cheap Chandler Car Insurance for a Learners Permit? (FAQ)
- What Insurance is Cheapest for a Ford Edge in Chandler? (FAQ)
- How Much is Auto Insurance for High Mileage Drivers in Chandler? (FAQ)
- What Auto Insurance is Cheapest for Used Cars in Chandler? (FAQ)
- Uninsured Motorist Statistics (Insurance Information Institute)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)