Anyone knows that insurance companies don’t want you to look for a cheaper policy. Insureds who shop around for cheaper price quotes will, in all likelihood, buy a different policy because of the good chance of finding a lower-priced policy. A recent study showed that consumers who regularly shopped around saved on average $865 annually compared to people who didn’t regularly shop around.
If finding the cheapest price on Chevy Silverado 2500HD insurance is your ultimate objective, then having a good understanding how to shop and compare insurance coverage can help you succeed in finding affordable rates.
If saving the most money is your goal, then the best way to find more affordable auto insurance rates in Scottsdale is to start doing a yearly price comparison from different companies who sell insurance in Arizona. Rates can be compared by following these guidelines.
- Learn about the different coverages in a policy and the things you can control to keep rates low. Many risk factors that result in higher rates like tickets, at-fault accidents, and a negative credit history can be controlled by paying attention to minor details.
- Compare price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from one company like Progressive or Farmers Insurance, while independent agencies can quote prices from multiple sources.
- Compare the price quotes to the price on your current policy and determine if there is any savings. If you find a lower rate, make sure there is no coverage gap between policies.
An important note is to make sure you enter similar coverage information on each quote and and to get rates from as many carriers as you can. Doing this ensures the most accurate price comparison and a thorough selection of prices.
Chevy Silverado 2500HD insurance discounts in Scottsdale
Companies offering auto insurance don’t list all discounts very clearly, so the following list contains both well-publicized and also the more inconspicuous credits available to lower your premiums when you buy Scottsdale auto insurance online.
- Active Military Service – Being deployed with a military unit could trigger a small discount.
- Driver Training Discounts – Taking time to complete a course that instructs on driving safety may get you a small discount if you qualify.
- Braking Control Discount – Cars and trucks with ABS and/or traction control can avoid accidents so you can save 10 percent or more.
- Own a Home and Save – Owning a home in Scottsdale can help you save on insurance because it shows financial diligence.
- Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education as it can save substantially.
Keep in mind that most discounts do not apply to the entire cost. Most only cut specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy. Any qualifying discounts should help lower the amount you have to pay.
The chart below illustrates the comparison of Chevy Silverado 2500HD car insurance costs with and without discounts applied to the rates. The rate quotes are based on a male driver, no violations or 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 claim-free, multi-car, multi-policy, safe-driver, homeowner, and marriage discounts applied.
Larger insurance companies and the discounts they provide are outlined below.
- Progressive discounts include homeowner, multi-policy, online quote discount, multi-vehicle, online signing, and good student.
- AAA has discounts for multi-car, multi-policy, good student, education and occupation, and AAA membership discount.
- Farmers Insurance may include discounts for alternative fuel, teen driver, switch companies, homeowner, good student, and multi-car.
- GEICO has savings for good student, multi-policy, seat belt use, air bags, and driver training.
- Esurance may offer discounts for anti-theft, multi-policy, online shopper, emergency road assistance, Pac-12 alumni, good student, and good driver.
- SAFECO may have discounts that include accident prevention training, drive less, safe driver, teen safe driver, multi-car, and homeowner.
- State Farm offers discounts including Steer Clear safe driver discount, passive restraint, anti-theft, multiple policy, and driver’s education.
When getting a coverage quote, ask each company or agent which discounts you qualify for. Some of the earlier mentioned discounts might not be offered in your area.
Chevy Silverado 2500HD insurance quotes comparison
Finding more affordable Chevy Silverado 2500HD car insurance prices is actually quite simple. All that’s required is to invest a little time comparing rates to find out which insurance company has low cost Scottsdale auto insurance quotes.
Getting free price quotes online is quite simple, and it takes the place of having to physically go to each insurance agency near you. The ability to get quotes online eliminates this option unless you require the peace of mind that can only be provided by a licensed insurance agent. However, consumers can get the lowest quotes online but purchase the actual policy in an agency.
The companies shown below have been selected to offer price comparisons in Arizona. If multiple companies are listed, we suggest you visit two to three different companies to get the best price comparison.
Chevy Silverado 2500HD insurance rates and statistics
The data table displayed below covers estimates of coverage costs for Chevy Silverado 2500HD models. Learning a little about how auto insurance policy rates are established can be of help when making decisions on the best policy to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 2500HD LT Crew Cab 4WD | $236 | $456 | $404 | $24 | $122 | $1,242 | $104 |
| Silverado 2500HD LT Crew Cab 2WD | $236 | $526 | $458 | $28 | $136 | $1,384 | $115 |
| Silverado 2500HD LTZ Crew Cab 4WD | $236 | $456 | $404 | $24 | $122 | $1,242 | $104 |
| Silverado 2500HD LT Crew Cab Diesel 4WD | $262 | $526 | $404 | $24 | $122 | $1,338 | $112 |
| Silverado 2500HD LT Crew Cab Diesel 2WD | $262 | $526 | $458 | $28 | $136 | $1,410 | $118 |
| Silverado 2500HD LT Extended Cab Diesel 2WD | $262 | $526 | $458 | $28 | $136 | $1,410 | $118 |
| Silverado 2500HD LTZ Crew Cab 2WD | $262 | $526 | $458 | $28 | $136 | $1,410 | $118 |
| Silverado 2500HD LTZ Crew Cab Diesel 4WD | $262 | $526 | $404 | $24 | $122 | $1,338 | $112 |
| Silverado 2500HD LTZ Crew Cab Diesel 2WD | $262 | $594 | $458 | $28 | $136 | $1,478 | $123 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Rate quotes do not factor in your specific Scottsdale location which can revise price quotes substantially.
Analysis of deductible levels
One of the more difficult decisions when buying car insurance is which deductibles should you choose. The following insurance rates may aid in understanding the difference in cost when you choose different deductibles. The first data table uses a $100 deductible for physical damage and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 2500HD LT Crew Cab 4WD | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Silverado 2500HD LT Crew Cab 2WD | $292 | $632 | $338 | $20 | $102 | $1,409 | $117 |
| Silverado 2500HD LTZ Crew Cab 4WD | $292 | $548 | $300 | $18 | $90 | $1,273 | $106 |
| Silverado 2500HD LT Crew Cab Diesel 4WD | $324 | $632 | $300 | $18 | $90 | $1,389 | $116 |
| Silverado 2500HD LT Crew Cab Diesel 2WD | $324 | $632 | $338 | $20 | $102 | $1,441 | $120 |
| Silverado 2500HD LT Extended Cab Diesel 2WD | $324 | $632 | $338 | $20 | $102 | $1,441 | $120 |
| Silverado 2500HD LTZ Crew Cab 2WD | $324 | $632 | $338 | $20 | $102 | $1,441 | $120 |
| Silverado 2500HD LTZ Crew Cab Diesel 4WD | $324 | $632 | $300 | $18 | $90 | $1,389 | $116 |
| Silverado 2500HD LTZ Crew Cab Diesel 2WD | $324 | $716 | $338 | $20 | $102 | $1,525 | $127 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Silverado 2500HD LT Crew Cab 4WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Silverado 2500HD LT Crew Cab 2WD | $212 | $428 | $338 | $20 | $102 | $1,100 | $92 |
| Silverado 2500HD LTZ Crew Cab 4WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Silverado 2500HD LT Crew Cab Diesel 4WD | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| Silverado 2500HD LT Crew Cab Diesel 2WD | $236 | $428 | $338 | $20 | $102 | $1,124 | $94 |
| Silverado 2500HD LT Extended Cab Diesel 2WD | $236 | $428 | $338 | $20 | $102 | $1,124 | $94 |
| Silverado 2500HD LTZ Crew Cab 2WD | $236 | $428 | $338 | $20 | $102 | $1,124 | $94 |
| Silverado 2500HD LTZ Crew Cab Diesel 4WD | $236 | $428 | $300 | $18 | $90 | $1,072 | $89 |
| Silverado 2500HD LTZ Crew Cab Diesel 2WD | $236 | $484 | $338 | $20 | $102 | $1,180 | $98 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Rates do not factor in specific garaging location which can lower or raise insurance rates considerably.
Based on the above data, using a $100 deductible costs an average of $25 more each month or $300 each year than quoting the higher $500 deductible. Since the policyholder would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you go at least 16 months between claim filings, you would probably come out ahead if you elect the higher deductible.
The illustration below illustrates how choosing a deductible and can influence Chevy Silverado 2500HD insurance costs for each different age category. The information is based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Cautious Scottsdale drivers save money
The chart below illustrates how violations and at-fault fender-benders raise Chevy Silverado 2500HD car insurance costs for each age group. The costs are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.
Comparison of full coverage and liability-only policies
The information below illustrates the comparison of Chevy Silverado 2500HD insurance rates when comparing full coverage to state minimum liability only. The data assumes no driving violations, no at-fault accidents, $1,000 deductibles, single marital status, and no other discounts are factored in.
When to drop comp and collision
There is no set rule to delete full coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is more than about 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.
For example, let’s say your Chevy Silverado 2500HD book value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $2,000 after paying your policy deductible. If you are paying over $200 annually for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are some conditions where only buying liability is not in your best interest. If you still owe a portion of the original loan, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not opt for liability only.
Chevy Silverado 2500HD Insurance Rate Factors
Multiple criteria are used in the calculation when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, although some other factors are not quite as obvious like your continuous coverage or how safe your car is. Consumers need to have an understanding of some of the elements that help determine the price you pay for auto insurance. When consumers understand what influences your rates, this enables informed choices that could help you find lower premium levels.
Shown below are just a few of the factors auto insurance companies consider when setting premiums.
- Liability is critical – Liability coverage is the protection in the event that you are ruled to be at fault for physical damage or personal injury to other. Liability provides legal defense starting from day one. This coverage is very inexpensive compared to comp and collision, so drivers should carry high limits.
- Higher rates for high stress jobs – Did you know that where you work can have an impact on rates? Jobs such as judges, social workers, and accountants usually pay the highest rates in part from high stress levels and lengthy work days. On the other hand, careers like actors, engineers and performers receive lower rates.
- Optional features impact premiums – Selecting a car model with anti-theft technology or alarm system can help lower your premiums. Theft deterrent systems such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft and help bring rates down.
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Gender and auto insurance – Statistics have proven women tend to be less risk to insure than men. It does not mean males are worse at driving than females. Males and females tend to get into auto accidents in similar percentages, but guys cause more damage. They also get cited for more serious violations such as DWI and reckless driving. Male teenagers tend to get in the most accidents and therefore pay the highest rates.
The illustration below visualizes the comparison of Chevy Silverado 2500HD insurance rates for male and female drivers. The premiums assume no driving violations, no at-fault accidents, full physical damage coverage, $500 deductibles, single status, and no discounts are taken into consideration.
- The higher your credit rating the lower your costs – Having a good credit score is likely to be a major factor in determining premium rates. Drivers who have very good credit scores tend to file fewer claims and have better driving records than those with lower ratings. If your credit can use some improvement, you could save money insuring your Chevrolet Silverado 2500HD by improving your rating.
What if I want to buy from local Scottsdale insurance agencies?
Some people prefer to get advice from a local agent and that is OK! Most agents are very good at helping people manage risk and help file insurance claims. A nice benefit of getting free rate quotes online is you may find lower car insurance rates and still choose a local agent. And supporting small agencies is still important in Scottsdale.
After completing this simple form, your coverage information is immediately sent to local insurance agents in Scottsdale who will gladly provide quotes and help you find cheaper coverage. There is no reason to contact any insurance agencies since rate quotes are delivered straight to your inbox. If you need to quote rates from one company in particular, you just need to go to their quote page and fill out their quote form.
Picking an insurance company should depend on more than just a cheap price. You should also get answers to these questions.
- Is there any savings for paying the full premium?
- Can they give you a list of client referrals?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- How much will you save each year by using a higher deductible?
- Do the agents have professional certifications like CPCU or CIC?
After you get positive responses to any questions you have as well as cheap Silverado 2500HD insurance quotes, most likely you have located a company that is a good match to provide auto insurance coverage.
Car insurance is not optional
Despite the high cost, car insurance is most likely required but also gives you several important benefits.
- The majority of states have mandatory liability insurance requirements which means state laws require specific limits of liability insurance if you don’t want to risk a ticket. 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.
- If you took out a loan on your vehicle, almost all lenders will require that you carry insurance to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank will be required to insure your Chevy at a more expensive rate and force you to pay much more than you were paying before.
- Car insurance preserves your vehicle and your assets. It will also pay for hospital and medical expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, also covers legal expenses if you are named as a defendant in an auto accident. If you have damage to your Chevy as the result of the weather or an accident, comprehensive and/or collision insurance will pay to repair the damage.
The benefits of buying enough insurance definitely exceed the cost, especially with large liability claims. On average, a vehicle owner in Scottsdale is wasting up to $850 per year so compare rates at every renewal to ensure rates are inline.
Car insurance companies ranked
Selecting the highest-rated auto insurance provider is hard considering how many choices you have in Arizona. The company information in the next section can help you select which car insurance companies to look at when comparing rate quotes.
Top 10 Scottsdale Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
- Nationwide
- Safeco
Shop around and save
In this article, we presented quite a bit of information on how to lower your Chevy Silverado 2500HD insurance auto insurance rates in Scottsdale. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting the cheapest Chevrolet Silverado 2500HD rate quotes. Drivers may even discover the lowest auto insurance rates are with an unexpected company. They may have significantly lower premium rates on certain market segments than the large multi-state companies such as Progressive or GEICO.
When shopping online for car insurance, it’s very important that you do not reduce coverage to reduce premium. There are too many instances where drivers have reduced collision coverage only to regret that the savings was not a smart move. Your objective should be to find the BEST coverage at the best price and still be able to protect your assets.
To read more, feel free to visit the articles below:
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- What Car Insurance is Cheapest for a Chevrolet Equinox in Scottsdale? (FAQ)
- What Insurance is Cheapest for 4×4 Vehicles in Scottsdale? (FAQ)
- How Much are Auto Insurance Quotes for Used Cars in Scottsdale? (FAQ)
- How Much are Auto Insurance Quotes for Retired Military in Scottsdale? (FAQ)
- Who Has the Cheapest Scottsdale Auto Insurance Rates for a GMC Sierra? (FAQ)
- Who Has the Cheapest Scottsdale Auto Insurance with Multiple Speeding Tickets? (FAQ)
- Who Has Affordable Scottsdale Car Insurance for a Ford Explorer? (FAQ)
- Booster Seat Ratings (iihs.org)
- Five Mistakes to Avoid (Insurance Information Institute)
- Child Safety FAQ (iihs.org)