How to Save on Scottsdale Chevy Silverado 3500HD Insurance

It’s an obvious statement that insurance companies want to keep you from shopping around. Drivers who rate shop once a year are highly likely to switch insurance companies because there is a good chance of getting low-cost coverage. A recent study showed that consumers who made a habit of comparing rates saved about $865 a year compared to people who never shopped around for lower prices.

If finding the cheapest rates on insurance in Scottsdale is why you’re reading this, understanding how to quote prices and compare insurance coverage can help simplify the task of finding more affordable coverage.

Insurance for Chevy Silverado 3500HDThe recommended way to find the cheapest price for Chevy Silverado 3500HD insurance is to start doing a yearly price comparison from insurance carriers in Scottsdale.

The most important part of this process is to use identical coverage information on each quote request and and to get rate quotes from as many car insurance companies as possible. Doing this provides a fair price comparison and plenty of rates choose from.

Auto insurance providers offering competitive prices in Arizona

The companies shown below are our best choices to provide comparison quotes in Arizona. If your goal is to find cheap auto insurance in Scottsdale, it’s a good idea that you visit as many as you can to find the lowest auto insurance rates.

Statistics and details

The rate table shown next showcases estimates of insurance premium costs for Chevy Silverado 3500HD models. Having a good understanding how insurance prices are calculated is important for drivers to make decisions when choosing a new policy provider.

Chevrolet Silverado 3500HD Insurance Rates in Scottsdale, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Silverado 3500HD LT Crew Cab 4WD $138 $276 $352 $20 $106 $892 $74
Silverado 3500HD LT Extended Cab 4WD $138 $276 $352 $20 $106 $892 $74
Silverado 3500HD LT Crew Cab 2WD $138 $240 $282 $16 $84 $760 $63
Silverado 3500HD LTZ Crew Cab 2WD $152 $240 $282 $16 $84 $774 $65
Silverado 3500HD LT Crew Cab Diesel 2WD $152 $276 $282 $16 $84 $810 $68
Silverado 3500HD LTZ Crew Cab Diesel 2WD $152 $276 $282 $16 $84 $810 $68
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Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Estimates do not factor in vehicle garaging location which can modify premium rates substantially.

Physical damage deductible comparison

When buying auto insurance, a common question is what deductibles to buy. The following insurance rates help summarize how much more you’ll pay when you select higher and lower coverage deductibles. The first price estimate table uses a $100 comprehensive and collision deductible and the second price grid uses a $1,000 deductible.

Chevrolet Silverado 3500HD insurance rates with $100 deductibles
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
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Chevrolet Silverado 3500HD insurance rates with $1,000 deductibles
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
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Prices do not factor in specific garaging location which can increase or decrease premiums significantly.

Based on this data, using a $100 deductible will cost you about $39 more each month or $468 every year than opting for the higher $1,000 deductible. Since you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go at a minimum 23 months between claims, you would probably be better off by selecting a higher deductible.

The example below demonstrates how deductible levels and can increase or decrease Chevy Silverado 3500HD insurance prices for different age groups. The data is based on a married female driver, comprehensive and collision coverage, and no other discounts are factored in.

Auto insurance premiums based on gender

The chart below shows the difference between Chevy Silverado 3500HD annual premium costs for male and female drivers. The price estimates are based on no tickets, no at-fault accidents, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are applied to the premium.

Informed Consumers Know How to Get Car Insurance at a Discount

A large part of saving on car insurance is knowing the different types of things that go into determining car insurance rates. If you know what controls the rates you pay, this allows you to make good choices that can earn you big savings.

Employer impacts rates – Did you know your job can affect your rates? Occupational choices like fire fighters, airline pilots, and medical professionals are shown to have the highest average rates attributed to high stress levels and incredibly demanding work hours. On the flip side, occupations like farmers, athletes and the unemployed have the lowest average rates.

Cut premiums and deter theft – Choosing a vehicle with a theft deterrent system can help lower your premiums. Advanced theft deterrents such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent vehicle theft.

Drivers with excellent credit save – Having a bad credit history can be an important factor in your rate calculation. People that have very high credit ratings tend to file fewer claims and have better driving records as compared to drivers with worse credit. So if your credit score could use some work, you could potentially save money when insuring your Chevrolet Silverado 3500HD if you clean up your credit.

Gaps in coverage mean higher premiums – Driving with no insurance is not a good idea and as a result your rates will increase for letting your insurance expire. In addition to paying higher rates, the inability to provide proof of insurance may result in a hefty fine and possibly a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with the Arizona DMV.

If you don’t need it don’t buy it – There are a lot of add-on coverages that you can buy when buying car insurance. Things like coverage for rental cars, towing coverage, and motor club memberships are probably not needed. They may seem good when buying your policy, but if they’re wasting money think about removing them and cutting costs.

Get affordable Chevy Silverado 3500HD insurance in Scottsdale with discounts

Companies offering auto insurance don’t necessarily list the entire discount list very clearly, so the list below gives a summary of both the well known and the harder-to-find credits available to lower your premiums when you buy Scottsdale car insurance online.Cheaper insurance with discounts

A little note about advertised discounts, most discount credits are not given to the entire policy premium. Most only reduce the cost of specific coverages such as medical payments or collision. So even though you would think you could get a free insurance policy, it doesn’t quite work that way. Any qualifying discounts should help lower the premium cost.

The chart below compares Chevy Silverado 3500HD annual premium costs with and without discounts applied to the policy rates. The premiums are based on a male driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, claim-free, homeowner, marriage, and multi-car discounts applied.

A list of insurance companies and a summarized list of policyholder discounts are detailed below.

If you need lower rates, check with every company to apply every possible discount. Depending on the company, some discounts might not be available to policyholders in your area.

When to contact a local insurance agent

A lot of people would prefer to talk to a local agent and doing that can be a smart decision Insurance agents can make sure you are properly covered and help file insurance claims. One of the benefits of price shopping on the web is the fact that you can find better rates and also buy local.

Find insurance agent in ScottsdaleBy using this quick form, your insurance data is emailed to local insurance agents in Scottsdale who want to provide quotes for your auto insurance coverage. It’s much easier because you don’t need to contact an agency because quoted prices will be sent to your email. If you need to get a rate quote from a specific insurance company, don’t hesitate to go to their quote page and submit a quote form there.

Deciding on an insurer should depend on more than just the quoted price. Any agent in Scottsdale should be forthright in answering these questions:

Different types of Scottsdale car insurance agents

If you are wanting to find a local agent, it helps to know the two different agency structures and how they differ in how they quote coverages. Insurance agencies in Scottsdale can be classified as either independent or exclusive depending on the company they work for. Either can sell and service auto insurance coverage, but we need to point out the difference in how they write coverage since it may influence which type of agent you select.

Exclusive Agencies

Agents in the exclusive channel can usually just insure with one company like Allstate, State Farm and Farmers Insurance. Exclusive agents cannot provide rate quotes from other companies so you might not find the best rates. Exclusive insurance agents are trained well on the products they sell which helps them sell on service rather than price. Drivers often choose to use a exclusive agent partially due to the brand legacy rather than low rates.

Below are Scottsdale exclusive insurance agents that can give you rate quotes.

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Independent Insurance Agents

Agents of this type can quote rates with many companies so they have the ability to put coverage through many companies and find you the best rates. If they find a cheaper price, your policy is moved internally and you won’t have to switch agencies. When comparing rates, you definitely need to get several quotes from independent agents so that you have a good selection of quotes to compare. Many can place coverage with smaller companies that can offer cheaper rates than bigger companies.

Below is a list of independent agents in Scottsdale that are able to give comparison quotes.

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Do I just need basic coverages?

When selecting the best insurance coverage, there really is not a single plan that fits everyone. Your financial needs are unique and your insurance should be unique as well.Safe vehicles cost less to insure
For example, these questions might help in determining if your insurance needs might need professional guidance.

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance companies in your area. It is quick, free and can provide invaluable advice.

Compare. Compare. Compare.

Discount Chevy Silverado 3500HD insurance in Scottsdale can be purchased both online and from local agencies, and you should compare rates from both to have the best rate selection. There are still a few companies who may not have rate quotes online and most of the time these smaller companies work with independent agents.

We covered a lot of information how to get a better price on Chevy Silverado 3500HD insurance in Scottsdale. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding affordable Chevrolet Silverado 3500HD insurance quotes. You may even be surprised to find that the best price on insurance is with a company that doesn’t do a lot of advertising. Some small companies can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

Much more information about insurance in Arizona is located on the following sites: