Affordable Insurance for a Chevy Silverado in Scottsdale

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Chevy Silverado insurance
Chevy Silverado insurance image courtesy of QuoteInspector.com

A recent NerdWallet.com study revealed that the vast majority of insurance customers have been with the same company for over three years, and 38% of customers have never compared rates with other companies. Scottsdale insurance shoppers can save about $733 each year, but they don't know how much they could save if they switched to a more affordable policy.

Insurance for Chevy SilveradoIt takes a little time, but the best way to save money on Chevy Silverado insurance in Scottsdale is to do a yearly price comparison from insurers who provide car insurance in Arizona. This can be done by completing these steps.

  1. Get an understanding of how car insurance works and the measures you can take to prevent rate increases. Many things that cause rate increases like accidents, traffic violations, and poor credit history can be eliminated by making minor changes in your lifestyle. Later in this article we will cover the details to get affordable coverage and get additional discounts that may have been overlooked.
  2. Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only provide price estimates from one company like Progressive or State Farm, while agents who are independent can quote prices from multiple insurance companies. View prices
  3. Compare the new rates to the premium of your current policy and see if there is a cheaper rate. If you find better rates, make sure there is no lapse between the expiration of your current policy and the new one.

A valuable tip to remember is to use identical coverages on each quote request and and to compare every company you can. Doing this helps ensure an apples-to-apples comparison and and a good selection of different prices.

Comparing rates for the cheapest auto insurance coverage in Scottsdale is not as hard as you may think. If you have coverage now or just want a better rate, you can use these tips to find the best rates while maintaining coverages. Drivers just need to know the most efficient way to compare insurance rates online.

Save Money with These Tips

Smart consumers have a good feel for some of the things that help determine your policy premiums. When you know what positively or negatively impacts premium levels, this allows you to make educated decisions that can earn you lower rates.

The factors shown below are just a few of the factors car insurance companies consider when setting prices.

Older drivers pay less - Young drivers in Arizona have a tendency to be inattentive when driving so they pay higher car insurance rates. Older drivers are more responsible, statistically cause fewer accidents, and receive fewer citations.

The following data uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.

City dwellers may pay more - Residing in less populated areas can be a good thing when trying to find low car insurance rates. Urban drivers have to deal with congested traffic and longer commute times. Fewer people translates into fewer accident claims and also fewer theft and vandalism claims.

Too many claims will drive prices up - Car insurance companies in Arizona award discounts to drivers who only file infrequent claims. If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Your car insurance is intended for the bigger claims that can't be paid out-of-pocket.

Cheaper rates with high physical damage deductibles - The deductibles you choose define the amount the insured will be required to pay if the claim is covered. Coverage for physical damage, also called comprehensive and collision insurance, covers damage that occurs to your car. Some examples of claims that would be covered would be a windshield broken by a bird, damage caused by hail, and damage from wind. The more damage repair cost the insured has to pay upfront, the less money you will pay for car insurance.

More than one policy can earn a discount - The majority of insurance companies give lower prices to policyholders who consolidate policies with them in the form of a multi-policy discount. This can amount to ten percent or more. Even if you're getting this discount drivers will still want to get quotes from other companies to guarantee you are still saving the most. You may still be able to find better rates by buying insurance from more than one company.

Vehicles with better crash test results mean better premiums - Safer cars tend to have better insurance rates. Safer cars have better occupant injury protection and reduced instances of injuries means less claims paid and lower rates for you.

Discounts for married couples - Having a spouse helps lower the price on your car insurance bill. Having a spouse usually means you are more responsible and it's statistically proven that married drivers tend to have fewer serious accidents.

Loss statistics for a Chevy Silverado - Insurers use historical loss data to calculate a price that will offset any claims. Vehicles that have a trend towards higher claim severity or frequency will have higher rates for specific coverages.

The information below illustrates the actual insurance loss data for Chevy Silverado vehicles. For each type of coverage, the claim amount for all vehicles, regardless of make or model, is set at 100. Numbers under 100 represent a good loss history, while percentage numbers above 100 indicate a higher chance of having a claim or a tendency for losses to be larger than average.

Insurance Loss Ratings for Chevrolet Silverado Vehicles
Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Chevrolet Silverado 1500 2WD 76 118 85 78 69 125
Chevrolet Silverado 1500 4WD 60 76 72 54
Chevrolet Silverado 1500 Crew Cab 2WD 89 103 131 77 70 94
Chevrolet Silverado 1500 Crew Cab 4WD 96 105 116 57 57 87
Chevrolet Silverado 1500 Ext Cab 2WD 90 126 100 88 85 117
Chevrolet Silverado 1500 Ext Cab 4WD 84 98 89 60 60 88
Chevrolet Silverado 2500 2WD 60 65
Chevrolet Silverado 2500 4WD 66 97 66
Chevrolet Silverado 2500 Crew Cab 2WD 76 127 65
Chevrolet Silverado 2500 Crew Cab 4WD 88 114 97 45 42 82
Chevrolet Silverado 2500 Ext Cab 2WD 80 54
Chevrolet Silverado 2500 Ext Cab 4WD 79 105 83 37 43 75
Chevrolet Silverado 3500 4WD 65
Chevrolet Silverado 3500 Crew Cab 4WD 98 127 108 54 39 76
Chevrolet Silverado 3500 Ext Cab 4WD 129 127
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Finding cheap Chevy Silverado auto insurance rates is pretty simple and can save money. You just need to invest a little time getting comparison quotes to find the company with affordable Chevrolet Silverado insurance quotes.

The companies shown below provide free quotes in Arizona. To find cheaper auto insurance in Scottsdale, it's highly recommended you visit as many as you can in order to get a fair rate comparison.

Chevy Silverado insurance charts and tables

The premium table shown below showcases estimates of insurance premium costs for Chevy Silverado models. Learning how prices are figured can benefit drivers when making decisions when shopping around.

Chevrolet Silverado Insurance Rates in Scottsdale, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado LS Regular Cab 2WD $114 $186 $348 $20 $104 $772 $64
Silverado LS Regular Cab 4WD $114 $186 $308 $18 $92 $718 $60
Silverado LT Regular Cab 2WD $130 $226 $348 $20 $104 $828 $69
Silverado LT Regular Cab $130 $226 $348 $20 $104 $828 $69
Silverado LS Extended Cab 4WD $130 $226 $308 $18 $92 $774 $65
Silverado LT Extended Cab 4WD $130 $226 $308 $18 $92 $774 $65
Silverado LT Extended Cab 2WD $130 $226 $348 $20 $104 $828 $69
Silverado LS Extended Cab 2WD $130 $226 $348 $20 $104 $828 $69
Silverado LT Crew Cab 4WD $148 $266 $308 $18 $92 $832 $69
Silverado LS Crew Cab 2WD $148 $266 $348 $20 $104 $886 $74
Silverado LS Crew Cab 4WD $148 $266 $308 $18 $92 $832 $69
Silverado LT Crew Cab 2WD $148 $266 $348 $20 $104 $886 $74
Silverado LTZ Extended Cab 2WD $148 $266 $348 $20 $104 $886 $74
Silverado LTZ Extended Cab 4WD $148 $266 $308 $18 $92 $832 $69
Silverado LTZ Crew Cab 2WD $148 $266 $348 $20 $104 $886 $74
Silverado LTZ Crew Cab 4WD $148 $266 $308 $18 $92 $832 $69
Silverado Crew Cab Hybrid 2WD $148 $306 $308 $18 $92 $872 $73
Silverado Crew Cab Hybrid 4WD $164 $306 $308 $18 $92 $888 $74
Get Your Own Custom Quote Go

Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rate quotes do not factor in specific Scottsdale garaging location which can impact insurance rates substantially.

Impact of speeding/accidents on insurance rates

The information below demonstrates how citations and accident claims can impact Chevy Silverado premium costs for different age groups. The rates are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.

Insurance premiums based on gender

The diagram below shows the comparison of Chevy Silverado insurance costs for male and female drivers. The rate quotes are based on no accidents or driving violations, full coverage, $500 deductibles, drivers are single, and no additional discounts are factored in.

Difference between liability only and full coverage rates

The illustration below compares Chevy Silverado annual premium costs with full coverage and liability only. Data assumes no violations or claims, $250 deductibles, drivers are single, and no discounts are applied.

When to switch to liability coverage only

There is no set guideline of when to eliminate full coverage, but there is a guideline you can consider. If the annual cost of having full coverage is about 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let's assume your Chevy Silverado replacement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $8,000 after the deductible is paid. If you are paying in excess of $800 annually for your policy with full coverage, then you might want to think about dropping full coverage.

There are some situations where buying only liability insurance is not a good plan. If you still owe money on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not drop full coverage.

Insurance does more than just repair your car

Even though it can be expensive, insuring your vehicle is required in Arizona but also provides important benefits.

First, just about all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a minimum amount of liability 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.

Second, if your Silverado has a lienholder, most banks will force you to buy full coverage to guarantee payment of the loan. If you default on your policy, the lender may have to buy a policy to insure your Chevy at an extremely high rate and force you to pay much more than you were paying before.

Third, insurance protects your Chevy and your assets. It also can pay for medical bills for yourself as well as anyone injured by you. Liability insurance will also pay for a defense attorney if you cause an accident and are sued. If your car is damaged in a storm or accident, your policy will cover the damage repairs after a deductible is paid.

The benefits of carrying adequate insurance more than cancel out the cost, specifically if you ever have a liability claim. As of last year, the average driver in Arizona is wasting up to $850 per year so you should quote rates at least once a year to ensure rates are inline.

Cheaper Chevy Silverado insurance in Scottsdale

Auto insurance is easily one of your largest bills, but you may be missing some discounts that can dramatically reduce your bill. Many discounts should be triggered when you quote, but some may not be applied and must be inquired about before being credited.Cheaper auto insurance with discounts

  • Driver Education Discount - Reduce the cost of insurance for teen drivers by having them complete a driver education course if it's offered in school.
  • Paperwork-free - Certain insurance companies provide a small discount for completing your application on the internet.
  • Defensive Driver - Passing a course in defensive driver may get you a small discount and easily recoup the cost of the course.
  • Government Employees - Active or former government employment may reduce rates when you quote Scottsdale car insurance with a few auto insurance companies.
  • Early Payment Discounts - By paying your entire bill at once as opposed to paying monthly you could save up to 5%.

Remember that most credits do not apply to the entire cost. A few only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, it just doesn't work that way. But all discounts will cut the amount you pay for coverage.

The example below shows the comparison of Chevy Silverado insurance prices with and without discounts being applied to the rates. The rates are based on a male driver, no violations or claims, Arizona state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, safe-driver, marriage, claim-free, and multi-policy discounts applied.

Large auto insurance companies and a summarized list of policyholder discounts can be read below.

  • 21st Century has discounts for automatic seat belts, air bags, anti-lock brakes, early bird, 55 and older, and driver training.
  • Progressive includes discounts for homeowner, good student, continuous coverage, multi-vehicle, and online quote discount.
  • State Farm offers premium reductions for driver's education, student away at school, accident-free, Steer Clear safe driver discount, safe vehicle, Drive Safe & Save, and good student.
  • Nationwide discounts include anti-theft, Farm Bureau membership, accident-free, family plan, business or organization, and good student.
  • Esurance policyholders can earn discounts including defensive driver, emergency road assistance, anti-theft, paid-in-full, and multi-car.
  • The Hartford has savings for driver training, vehicle fuel type, anti-theft, air bag, bundle, defensive driver, and good student.

When quoting, ask each company or agent how many discounts you can get. A few discounts may not apply to policyholders in your area. If you would like to view companies that have a full spectrum of discounts in Scottsdale, click here to view.

When do I need to get advice from an insurance agency?

A small number of people still prefer to buy from a licensed agent and there is nothing wrong with that. Licensed agents can make sure you are properly covered and give you someone to call. A good thing about comparing insurance prices online is the fact that drivers can get the lowest rates and still have a local agent. Buying insurance from local insurance agents is important particularly in Scottsdale.

Insurance agency in ScottsdaleOnce you complete this form (opens in new window), your insurance coverage information is emailed to companies in Scottsdale who will give competitive quotes and help you find cheaper coverage. You don't have to contact any agents because prices are sent to your email. If for some reason you want to compare prices from one company in particular, feel free to go to their quote page to submit a rate quote request.

Shown below is a short list of insurers in Scottsdale that can give you price quotes for Chevy Silverado insurance in Scottsdale.

More insurance agents

Selecting a insurance company is decision based upon more than just a cheap price quote. Below are some questions you should ask.

  • What is their Better Business Bureau rating?
  • Do they feel the quoted coverages are adequate?
  • What are the financial ratings for the companies they represent?
  • Are there any extra charges for paying monthly?
  • Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?

How much auto insurance do I need?

Always keep in mind that when comparing adequate coverage, there really is no "perfect" insurance plan. Your financial needs are unique.Drive safe and save

Here are some questions about coverages that might point out if your insurance needs might need professional guidance.

  • Can my babysitter drive my car?
  • Is my Chevy Silverado covered for smoke damage?
  • Should I buy only the required Arizona minimum liability coverage?
  • Why am I required to get a high-risk car insurance policy?
  • How much underlying liability do I need for an umbrella policy?
  • When should I buy a commercial auto policy?

If you don't know the answers to these questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Persistence is the key to cheaper rates

We've covered quite a bit of information on how to get a better price on Chevy Silverado insurance in Scottsdale. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. Drivers may even discover the biggest savings come from the smaller companies.

When you buy Scottsdale car insurance online, it's a bad idea to reduce coverage to reduce premium. In many instances, an insured cut physical damage coverage only to regret that the savings was not a smart move. Your strategy should be to buy the best coverage you can find at the best cost.

Consumers switch companies for a variety of reasons including being labeled a high risk driver, an unsatisfactory settlement offer, high rates after DUI convictions or even extreme rates for teen drivers. It doesn't matter what your reason, switching companies can be pretty painless.

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