It takes a little time, but the best way to find cheaper quotes for car insurance rates is to compare prices regularly from providers that sell auto insurance in Chandler.
- Try to comprehend what is in your policy and the things you can change to keep rates low. Many policy risk factors that result in higher prices such as distracted driving and your credit history can be controlled by making minor driving habit or lifestyle changes. This article provides additional tips to get low prices and find discounts that you may qualify for.
- Compare prices from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like GEICO or Allstate, while agents who are independent can provide rate quotes from many different companies.
- Compare the price quotes to the premium of your current policy and see if there is a cheaper rate in Chandler. If you find better rates and change companies, verify that coverage does not lapse between policies.
The most important part of shopping around is that you use similar coverage information on each quote request and and to get price quotes from as many auto insurance providers as possible. Doing this helps ensure the most accurate price comparison and a complete price analysis.
It’s hard to believe, but over 70% of drivers kept buying from the same company for over three years, and nearly half have never even compared quotes to find lower-cost rates. Chandler consumers could save an average of up to 50% each year by just comparing quotes, but they think it’s difficult to shop around.
Analysis of coverages
The price information displayed next showcases estimates of prices for GMC Sierra 3500HD models. Learning how insurance quotes are determined can assist in making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 3500HD SLE Regular Cab 2WD | $164 | $266 | $308 | $18 | $92 | $848 | $71 |
| Sierra 3500HD SLE Regular Cab 4WD | $164 | $306 | $386 | $22 | $116 | $994 | $83 |
| Sierra 3500HD SLE Crew Cab 2WD | $164 | $266 | $308 | $18 | $92 | $848 | $71 |
| Sierra 3500HD SLE Extended Cab 2WD | $164 | $266 | $308 | $18 | $92 | $848 | $71 |
| Sierra 3500HD SLE Extended Cab 4WD | $164 | $306 | $386 | $22 | $116 | $994 | $83 |
| Sierra 3500HD SLE Crew Cab 4WD | $164 | $306 | $386 | $22 | $116 | $994 | $83 |
| Sierra 3500HD SLT Extended Cab 2WD | $164 | $266 | $308 | $18 | $92 | $848 | $71 |
| Sierra 3500HD SLT Crew Cab 4WD | $164 | $306 | $386 | $22 | $116 | $994 | $83 |
| Sierra 3500HD SLT Extended Cab 4WD | $164 | $306 | $386 | $22 | $116 | $994 | $83 |
| Sierra 3500HD SLT Crew Cab 2WD | $180 | $306 | $308 | $18 | $92 | $904 | $75 |
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Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Rates do not factor in vehicle garaging location which can impact rates noticeably.
Rate comparison of males versus females
The example below illustrates the difference between GMC Sierra 3500HD yearly insurance costs for male and female drivers. Data assumes no violations or claims, full coverage, $500 deductibles, drivers are not married, and no additional discounts are factored in.
Rate difference between full and liability-only coverage
The diagram below shows the comparison of GMC Sierra 3500HD car insurance rates with and without full coverage. The data is based on no violations or claims, $250 deductibles, single marital status, and no discounts are applied.
When to buy liability coverage only
There is no clear-cut rule to stop paying for comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, then you might consider buying liability only.
For example, let’s assume your GMC Sierra 3500HD replacement cost is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $3,000 after paying your policy deductible. If you are paying over $300 a year to have full coverage, then it might be time to buy liability only.
There are some scenarios where dropping physical damage coverage is not a good plan. If you still have a loan on your vehicle, you have to keep full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage.
Five factors that influence insurance rates
A large part of saving on auto insurance is knowing some of the things that aid in calculating the price you pay for auto insurance. If you have a feel for what determines base rates, this enables you to make decisions that can help you get lower rates.
Mature drivers pay less – Beginning drivers in Arizona have been known to be more careless when driving with friends and because of this, their auto insurance rates are much higher. Having to add a young driver to your policy can break the bank. Older drivers tend to be more responsible, statistically cause fewer accidents, and usually have better credit.
The chart below assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.
Good credit scores equal low premiums – A driver’s credit rating will be a significant factor in determining your rates. Therefore, if your credit score can be improved, you could potentially save money when insuring your GMC Sierra 3500HD by improving your credit score. People with very high credit ratings tend to be less risk to insure as compared to drivers with lower ratings.
Driving citations hurt – Getting just one ticket can increase the cost of insurance by as much as thirty percent. Drivers who don’t get tickets receive lower rates compared to bad drivers. Drivers who get license-revoking violations such as reckless driving, hit and run or driving under the influence may find that they have to to maintain a SR-22 with their state’s department of motor vehicles in order to drive a vehicle legally.
The example below shows how traffic citations and accidents drive up GMC Sierra 3500HD auto insurance costs for different age groups of insureds. The premium estimates are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.
Save by staying claim free – Insurance companies in Arizona give the lowest premiums to drivers who are not frequent claim filers. If you’re an insured who likes to file claims you can definitely plan on either policy cancellation or increased premiums. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
Annual mileage and car insurance costs – The more you drive each year the more it will cost to insure it. Almost all companies price each vehicle’s coverage partially by how you use the vehicle. Cars used primarily for pleasure use can get a lower rate than cars that get driven a lot. It’s always a good idea to double check that your auto insurance coverage is showing how each vehicle is driven. Improper usage on your Sierra 3500HD may be costing you higher rates.
Persistence pays off
Consumers switch companies for many reasons like not issuing a premium refund, unfair underwriting practices, high rates after DUI convictions and even delays in paying claims. It doesn’t matter why you want to switch choosing a new company is actually quite simple.
We covered many ideas to lower your GMC Sierra 3500HD insurance car insurance rates in Chandler. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may even discover the most savings is with a smaller regional carrier.
Lower-priced GMC Sierra 3500HD insurance in Chandler can be purchased both online and with local Chandler insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies do not offer the ability to get a quote online and usually these small insurance companies prefer to sell through independent insurance agents.
To read more, take a look at these articles:
- Teen Driver Licensing Information (iihs.org)
- How Much is Chandler Auto Insurance for 17 Year Olds? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Hybrid Vehicles in Chandler? (FAQ)
- Who Has Cheap Car Insurance Quotes for Handicapped Drivers in Chandler? (FAQ)
- Young Drivers: The High Risk Years Video (iihs.org)
- Preventing Carjacking and Theft (Insurance Information Institute)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- Collision Coverage (Liberty Mutual)