It’s well known that car insurance companies don’t want policyholders to compare prices from other companies. People who shop around for the cheapest rate will presumably buy a different policy because there is a good probability of finding a lower-priced company. A study discovered that drivers who compared rate quotes regularly saved over $865 a year compared to drivers who never shopped around for better prices.
If finding the lowest price for Chevy Suburban insurance in Mesa is your objective, then having a grasp of the best ways to find and compare insurance coverage can help you be more efficient.
If you want to save the most money, the best way to save money on auto insurance rates in Mesa is to compare quotes once a year from providers who sell insurance in Arizona.
- Spend some time learning about how your policy works and the things you can change to keep rates down. Many rating factors that drive up the price such as high-risk driving behaviors and a poor credit score can be controlled by making small lifestyle or driving habit changes.
- Obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like Progressive or Allstate, while independent agencies can provide rate quotes from multiple sources.
- Compare the quotes to your existing coverage to determine if you can save on Suburban insurance in Mesa. If you find a lower rate and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
A valuable tip to remember is to try to compare the same coverage limits and deductibles on each quote and and to get prices from as many companies as you can. Doing this enables an apples-to-apples comparison and maximum price selection.
Buying affordable auto insurance in Mesa seems hard but is not really that difficult. In a nutshell, everyone who requires lower cost auto insurance will find a lower-cost company. But Arizona car owners do need to learn how companies compete online because it can help you find the best coverage.
To find cheaper Mesa auto insurance quotes, there are several ways to compare rate quotes from companies that offer car insurance in Arizona. The fastest way to comparison shop is to jump online and get quotes.
Online shopping is fast and free, and it makes it a waste of time to drive around to insurance agents’ offices. The ability to get quotes online makes this unnecessary unless your situation requires the extra assistance of a local agency. If you prefer, some companies allow you to comparison shop online but buy the policy through an agent.
When price shopping your coverage, having more price comparisons helps you find more affordable insurance.
The companies shown below can provide free quotes in Arizona. In order to find the cheapest auto insurance in Mesa, it’s a good idea that you click on several of them in order to get a fair rate comparison.
Rate information and statistics
The coverage table shown next highlights a range of insurance prices for Chevy Suburban models. Having a good grasp of how car insurance premiums are determined is important to be able to make smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Suburban LS 2WD | $148 | $226 | $308 | $18 | $92 | $792 | $66 |
| Suburban LT 2WD | $148 | $226 | $308 | $18 | $92 | $792 | $66 |
| Suburban LS 4WD | $148 | $226 | $308 | $18 | $92 | $792 | $66 |
| Suburban LT 4WD | $148 | $226 | $308 | $18 | $92 | $792 | $66 |
| Suburban LTZ 2WD | $148 | $266 | $308 | $18 | $92 | $832 | $69 |
| Suburban LTZ 4WD | $164 | $266 | $308 | $18 | $92 | $848 | $71 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on 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, safe-driver, multi-vehicle, and homeowner. Information does not factor in Mesa location which can revise coverage prices substantially.
Choosing deductibles
One frequently asked question is how high should the physical damage coverage deductibles be. The figures shown below can help you understand the difference in cost between high and low deductibles. The first rate table uses a $250 comprehensive and collision deductible and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Suburban LS 2WD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| Suburban LT 2WD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| Suburban LS 4WD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| Suburban LT 4WD | $262 | $390 | $300 | $18 | $90 | $1,085 | $90 |
| Suburban LTZ 2WD | $262 | $460 | $300 | $18 | $90 | $1,155 | $96 |
| Suburban LTZ 4WD | $292 | $460 | $300 | $18 | $90 | $1,185 | $99 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Suburban LS 2WD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Suburban LT 2WD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Suburban LS 4WD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Suburban LT 4WD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Suburban LTZ 2WD | $212 | $370 | $300 | $18 | $90 | $990 | $83 |
| Suburban LTZ 4WD | $236 | $370 | $300 | $18 | $90 | $1,014 | $85 |
| 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 multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Rate information does not factor in specific location information which can lower or raise premium rates considerably.
Using the data above, we can ascertain that using a $250 deductible costs approximately $13 more each month or $156 each year than buying the higher $500 deductible. Since you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average at least 19 months between claims, you would come out ahead if you opt for a higher deductible.
The chart below shows how choosing a deductible and can influence Chevy Suburban insurance rates for each age group. The rates are based on a married male driver, full physical damage coverage, and no additional discounts are factored in.
How accidents and violations affect rates
The example below illustrates how traffic citations and accidents can drive up Chevy Suburban auto insurance costs for different age groups. The premiums assume a married female driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.
How much more does full coverage cost?
The diagram below illustrates the difference between Chevy Suburban insurance costs with full coverage compared to only the Arizona minimum liability coverage. The information is based on no claims or driving citations, $100 deductibles, marital status is single, and no additional discounts are factored in.
Deciding between full coverage and liability only
There is no specific rule of when to exclude full coverage on your policy, but there is a broad guideline. If the annual cost of having full coverage is about 10% or more of the settlement you would receive from your company, then you might consider buying liability only.
For example, let’s pretend your Chevy Suburban book value is $6,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $5,000 after paying the physical damage deductible. If it’s costing you more than $500 a year for your policy with full coverage, then you may want to consider only buying liability coverage.
There are a few situations where only buying liability is not recommended. If you haven’t satisfied your loan, you must maintain physical damage coverage to satisfy the loan requirements. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should keep full coverage.
Why you need to buy car insurance
Despite the fact that car insurance is not cheap in Mesa, paying for car insurance is required in Arizona but also provides important benefits.
- Almost all states have mandatory insurance requirements which means state laws require a specific 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.
- If you have a lien on your vehicle, it’s guaranteed your bank will have a requirement that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If you cancel or allow the policy to lapse, the bank may buy a policy for your Chevy for a much higher rate and require you to reimburse them a much higher amount than you were paying before.
- Insurance safeguards not only your car but also your assets. It also can pay for many types of medical costs for both you and anyone you injure as the result of an accident. Liability coverage also covers legal expenses if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, your policy will pay to repair the damage.
The benefits of insuring your car more than cancel out the cost, especially if you ever need it. According to a recent study, the average American driver is wasting up to $700 annually so it’s very important to do a rate comparison at every renewal to be sure current rates are still competitive.
Lower Your Mesa Insurance Rates
Multiple criteria are considered when you get a price on insurance. Some factors are common sense such as your driving history, although others are not quite as obvious such as your marital status or how financially stable you are.
The itemized list below are some of the major factors utilized by car insurance companies to help set your prices.
You might pay more if you are single – Being married may save some money on your car insurance policy. It means you’re less irresponsible and insurance companies like that married couples file fewer claims.
Is your car, truck or SUV built for speed? – The type of vehicle you are buying insurance for makes a substantial difference in how high your rates are. The lowest rates will generally be found on small economy passenger vehicles, but other factors influence the final cost greatly.
The chart below is based on a married male driver age 20, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Chevrolet Suburban insurance rates compared to other vehicles that have different performance rating factors.
Costs are affected by your address – Having an address in a rural area can save you money when trying to find low car insurance rates. People who live in big cities regularly have more auto accidents and more severe claims. Fewer drivers on the road corresponds to lower accident rates and also fewer theft and vandalism claims.
Lower coverage deductibles cost more – Deductibles for physical damage state the amount of money the insured will be required to pay if a claim is determined to be covered. Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your car. Some instances where coverage would apply would be colliding with a stationary object, collision with a deer, and having a roll-over accident. The larger the amount the insured has to pay upfront, the lower your rates will be.
Insure your auto and home with one company – Most major car insurance companies apply lower prices to customers who buy several policies from them, otherwise known as a multi-policy discount. The amount of the discounts can be five, ten or even twenty percent. Even if you already get this discount, it’s always a smart idea to check prices from other companies to help guarantee you have the best rates.There is a chance you can save more without the discount even if you insure with multiple companies
Advanced theft deterrents – Driving a car with a theft deterrent system can save you some money. Theft deterrent systems like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent car theft.
Chevy Suburban insurance loss data – Insurers use claims history to help set a rate to offset losses. Models that statistically have a higher amount or frequency of claims will cost more for coverage.
The table below illustrates the compiled insurance loss statistics for Chevy Suburban vehicles. For each type of coverage, the claim amount for all vehicles, regardless of make, model or trim level, is considered to be 100. Values that are under 100 indicate better than average losses, while numbers that are greater than 100 indicate frequent claims or statistically larger losses.
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Chevrolet Suburban 1500 4dr 2WD | 90 | 92 | 90 | 67 | ||
| Chevrolet Suburban 1500 4dr 4WD | 109 | 113 | 124 | 72 | 70 |
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Compare. Compare. Compare.
Cheaper insurance in Mesa is available on the web and also from your neighborhood Mesa agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers do not provide rate quotes online and most of the time these smaller providers sell through independent insurance agents.
We’ve covered a lot of techniques to find lower-cost Chevy Suburban insurance in Mesa. The key concept to understand is the more you quote Mesa auto insurance, the better your comparison will be. You may even be surprised to find that the best rates are with the least-expected company. Some small companies may only write in your state and offer lower car insurance rates than their larger competitors like Allstate or State Farm.
More learning opportunities
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Event Data Recorders FAQ (iihs.org)
- Understanding Your Insurance Deductible (Insurance Information Institute)