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.
The 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.
- First, get an understanding of car insurance and the modifications you can make to keep rates in check. Many factors that cause rate increases like inattentive driving and a low credit score can be controlled by making lifestyle changes or driving safer. This article provides more ideas to find cheap rates and find overlooked discounts.
- Second, compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from a single company like Progressive and State Farm, while independent agencies can quote prices for a wide range of companies.
- Third, compare the new rates to your current policy premium to see if a cheaper rate is available. If you can save some money, ensure coverage does not lapse between policies.
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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
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.
| 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 |
| Get Your Own Custom Quote Go | |||||||
| 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 |
| Get Your Own Custom Quote Go | |||||||
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.
- Drivers Education – Require your teen driver to participate in a local driver’s education class as it will make them better drivers and lower rates.
- Theft Prevention System – Cars and trucks with anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
- Professional Organizations – Being a member of qualifying employment or professional organizations could earn you a nice discount when getting a Scottsdale car insurance quote.
- Air Bags and Passive Restraints – Factory options such as air bags may earn rate discounts as much as 30%.
- Mature Driver Discount – If you’re over the age of 55, you may be able to get lower premium rates.
- Smart Student Discounts – Maintaining excellent grades could provide a savings of up to 20% or more. Earning this discount can benefit you well after school through age 25.
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.
- GEICO has discounts for good student, defensive driver, air bags, military active duty, and driver training.
- SAFECO offers discounts including teen safety rewards, drive less, anti-lock brakes, anti-theft, and bundle discounts.
- State Farm discounts include multiple autos, anti-theft, accident-free, defensive driving training, and Drive Safe & Save.
- MetLife includes discounts for defensive driver, claim-free, multi-policy, good student, and accident-free.
- 21st Century offers discounts for defensive driver, 55 and older, early bird, student driver, anti-lock brakes, good student, and driver training.
- Progressive may offer discounts for online signing, continuous coverage, good student, multi-policy, multi-vehicle, homeowner, and online quote discount.
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.
By 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:
- How many companies do they write for?
- Are there any extra charges for paying monthly?
- How much training do they have in personal risk management?
- Can you contact them at any time?
- Do they have designations such as AIC, CPCU, or CIC?
- Do they prorate repair cost based on vehicle mileage?
- Is the agency involved in supporting local community causes?
- What are the financial ratings for the companies they represent?
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.
- Scott Holly – State Farm Insurance Agent
4014 N Goldwater Blvd Ste 202 – Scottsdale, AZ 85251 – (480) 949-7204 – View Map - Manny Birch – State Farm Insurance Agent
7297 N Scottsdale Rd Ste 1001 – Scottsdale, AZ 85253 – (602) 279-4383 – View Map - Scott Knudten – State Farm Insurance Agent
14702 N Frank Lloyd Wright Blvd – Scottsdale, AZ 85260 – (480) 948-8771 – View Map
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.
- Desert Mountain Insurance Services – Medical Malpractice
2918 N 67th Pl – Scottsdale, AZ 85251 – (480) 348-2200 – View Map - Crest Insurance Group
Ste 375, 7272 E Indian School Rd – Scottsdale, AZ 85251 – (480) 839-2252 – View Map - Bennett and Porter Insurance | Wealth Management
3200 N Hayden Rd #310 – Scottsdale, AZ 85251 – (480) 212-1150 – View Map
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.
For example, these questions might help in determining if your insurance needs might need professional guidance.
- What companies insure drivers after a DUI or DWI?
- Am I missing any policy discounts?
- Does every company file a SR-22 automatically?
- Which companies will insure me after a DUI?
- When would I need additional glass coverage?
- Will I be non-renewed for getting a DUI or other conviction?
- Does my medical payments coverage pay my health insurance deductible?
- Are my friends covered when driving my car?
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:
- Red Light Cameras (State Farm)
- What Insurance is Cheapest for 16 Year Olds in Scottsdale? (FAQ)
- Who Has the Cheapest Scottsdale Car Insurance Quotes for Felons? (FAQ)
- How Much are Scottsdale Car Insurance Rates for a Kia Optima? (FAQ)
- Who Has Cheap Auto Insurance for High School Students in Scottsdale? (FAQ)
- Who Has Cheap Scottsdale Car Insurance for Single Moms? (FAQ)
- Who Has Affordable Scottsdale Car Insurance for a Ford Explorer? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Hybrid Vehicles in Scottsdale? (FAQ)
- Airbag FAQ (iihs.org)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Auto Theft Statistics (Insurance Information Institute)