Car Insurance Rate Quotes for a GMC Sierra 2500HD in Mesa

If you want to find the absolute lowest rates, then the best way to save on car insurance rates is to compare quotes annually from different companies who provide car insurance in Mesa.

• First, read about how insurance works and the modifications you can make to drop your rates. Many things that are responsible for high rates like speeding tickets, accidents and an imperfect credit score can be remedied by making small lifestyle or driving habit changes.
• Second, compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from one company like Progressive and State Farm, while independent agents can quote rates from multiple insurance companies.
• Third, compare the new rate quotes to your current policy premium and see if you can save money. If you find a better price and decide to switch, verify that coverage does not lapse between policies.
• Fourth, tell your current company of your intention to cancel your current auto insurance policy. Submit a completed policy application and payment to your new agent or company. Once received, place your new certificate of insurance with your registration paperwork.

An important note is that you use identical coverage information on each price quote and and to get price estimates from all possible companies. Doing this helps ensure an apples-to-apples comparison and a thorough selection of prices.

It’s an obvious statement that car insurance companies don’t want you to look for a cheaper policy. People who rate shop once a year will most likely switch car insurance companies because there is a significant possibility of finding a policy with better rates. A recent survey discovered that consumers who shopped around annually saved as much as $865 annually as compared to drivers who never compared prices.

If finding the lowest rates on car insurance in Mesa is your objective, knowing how to compare insurance rates can save money and time.

Discount Mesa insurance quotes

Car insurance can cost a lot, but there’s a good chance there are discounts that could drop your premiums quite a bit. Some trigger automatically when you complete an application, but some must be asked for before you get the savings.

• Accident Waiver – Not a discount per se, but some companies like Allstate and State Farm allow you one accident before hitting you with a surcharge so long as you haven’t had any claims for a specific time period.
• Telematics Data Discounts – Drivers who elect to allow their insurance company to track their driving habits remotely such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if they are good drivers.
• Senior Citizen Rates – If you qualify as a senior citizen, you could receive a discount up to 10%.
• Multiple Policy Discount – If you combine your homeowners and auto policies and insure them with the same company they may give you a discount of over 10 percent off each policy depending on the company.
• Professional Organizations – Belonging to a civic or occupational organization in Mesa is a simple method to lower premiums on your next renewal.
• Good Drivers – Accident-free drivers may receive a discount up to 45% as compared to drivers with claims.

It’s important to note that most discount credits are not given to your bottom line cost. Most only reduce individual premiums such as liability and collision coverage. So when it seems like you could get a free insurance policy, insurance companies aren’t that generous.

The illustration below visualizes the comparison of GMC Sierra 2500HD insurance costs with and without discounts applied to the premium. The premium estimates are based on a female driver, no claims or driving violations, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-policy, homeowner, safe-driver, marriage, and multi-car discounts applied.

To view insurers that offer some of these discounts in Arizona, click here.

Most of the larger companies like GEICO, State Farm and Progressive give coverage prices on the web. Getting online rates for GMC Sierra 2500HD insurance in Mesa is pretty easy because it’s just a matter of typing in the coverage amounts you desire on the page. Once you submit the form, their rating system requests your driving and credit reports and provides a quote based on the information you submitted. Getting online price quotes for GMC Sierra 2500HD insurance in Mesa makes it easy to compare insurance prices and it’s also necessary to perform this step in order to get affordable car insurance pricing.

To save time and find out how much you’re overpaying now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend you duplicate coverages and limits exactly as they are listed on your policy. This guarantees you will receive a rate comparison based on the exact same insurance coverage.

The providers in the list below are our best choices to provide quotes in Arizona. In order to find cheaper auto insurance in Mesa, we recommend you visit several of them to get the best price comparison.

GMC Sierra 2500HD insurance charts and tables

The rate table displayed next highlights a range of insurance rates for GMC Sierra 2500HD models. Knowing how insurance policy rates are determined can help customers make decisions when shopping your coverage around.

Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate information does not factor in Mesa location which can revise auto insurance rates greatly.

Raise deductibles and save

One common question asked by Mesa drivers is which comprehensive and collision deductibles to buy. The following insurance rates approximate the rate difference between high and low insurance deductibles. The first data table uses a $250 deductible and the second rate chart uses a $1,000 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Estimates do not factor in specific location which can decrease or increase auto insurance rates significantly.

We can estimate from the data above that using a $250 deductible will cost you approximately $26 more each month or $312 a year across all GMC Sierra 2500HD models than buying the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 29 months between claims, you would more than likely save some money if you choose the higher deductible.

One thing to be aware of is that raising deductibles to get cheaper rates means you will have to pay more when you have a comprehensive or collision claim. You need to have a higher level of savings in the event you need to pay more for the deductible.

The illustration below demonstrates how choosing different deductibles and can influence GMC Sierra 2500HD premium costs for different age groups. The data assumes a single female driver, full coverage, and no other discounts are factored in.

Impact of careless driving on Mesa car insurance rates

The diagram below illustrates how violations and accident claims drive up GMC Sierra 2500HD insurance prices for each age group. The premiums are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.

Comparison of car insurance rates by gender and age

The chart below shows the difference between GMC Sierra 2500HD premium costs for male and female drivers. The price estimates are based on no accidents, no driving violations, full physical damage coverage, $500 deductibles, drivers are not married, and no other discounts are factored in.

Does full coverage make sense?

The information below compares GMC Sierra 2500HD insurance costs with and without physical damage coverage. Data assumes no accidents or driving violations, $1,000 deductibles, marital status is single, and no other discounts are factored in.

When to stop buying full coverage

There is no written rule of when to eliminate comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is about 10% or more of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your GMC Sierra 2500HD claim settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $2,000 after paying your policy deductible. If premiums are more than $200 a year for your policy with full coverage, then it might be time to consider dropping full coverage.

There are some situations where buying only liability insurance is not advised. If you haven’t satisfied your loan, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.

Local Mesa insurance agents

A lot of people would rather talk to a local agent and that is a smart decision A nice benefit of comparing rate quotes online is that you can find lower rates but still work with a licensed agent. Buying insurance from neighborhood agents is definitely important in Mesa.

By using this form (opens in new window), your insurance coverage information gets sent to participating agents in Mesa who will give you bids for your insurance coverage. It simplifies rate comparisons since you won’t have to do any legwork because quoted prices will be sent immediately to your email address. You can find better rates and an insurance agent to talk to. If you have a need to get a price quote from a particular provider, you would need to go to their quote page to submit a rate quote request.

Choose the right auto insurance agent

When narrowing the list to find a reliable insurance agency, it helps to know the two different types of agencies and how they can quote your rates. Insurance policy providers can be categorized as either independent agents or exclusive agents.

Independent Agents (or Brokers)

Agents that choose to be independent are not employed by one company so they can write business through many companies and potentially find a lower price. If prices rise, your agent can just switch to a different company without you having to go to a different agency. When comparing rate quotes, you will want to get several quotes from at a minimum one independent agency to have the most options to choose from.

Shown below is a list of independent insurance agencies in Mesa who can help you get free rate quotes.

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Exclusive Insurance Agents

Agents that choose to be exclusive are contracted to one company such as Farmers Insurance or State Farm. These agents are not able to shop your coverage around so you need to shop around if the rates are high. Exclusive agencies are very knowledgeable on sales techniques and that allows them to sell at a higher price point.

The following are exclusive agencies in Mesa who can help you get rate quotes.

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Finding the right insurance agency requires more thought than just the price. These are some questions your agent should answer.

• Are claims handled at the agent’s location?
• Will you work with the agent or an assistant?
• How long has their agency been in business in Mesa?
• How are they compensated?
• What insurance companies do they work with in Mesa?
• Do they have designations such as AIC, CPCU, or CIC?

Auto insurance protects more than just your car

Even though it’s not necessarily cheap to insure a GMC in Mesa, insurance is most likely required but also gives you several important benefits.

• Most states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a minimum amount of liability in order to be legal. 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 your Sierra 2500HD has a lienholder, almost all lenders will force you to have comprehensive coverage to protect their interest in the vehicle. If the policy lapses, the bank may insure your GMC at a much higher premium rate and force you to pay a much higher amount than you were paying before.
• Insurance safeguards not only your vehicle but also your assets. It will also provide coverage for many types of medical costs incurred in an accident. Liability insurance, one of your policy coverages, also pays for attorney fees and expenses if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to have it repaired.

The benefits of having auto insurance more than cancel out the cost, especially when you need to use it. According to a 2015 survey, the average American driver overpays as much as $850 per year so you should quote and compare rates once a year at a minimum to help ensure money is not being wasted.

Parts of your insurance policy

Learning about specific coverages of insurance can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the normal coverages offered by insurance companies.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for immediate expenses like dental work, chiropractic care and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage protection

This will pay to fix damage to your Sierra 2500HD caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as colliding with a tree, crashing into a building, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible on your Sierra 2500HD to save money on collision insurance.

Comprehensive coverage

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as rock chips in glass, damage from getting keyed, damage from a tornado or hurricane and hitting a deer. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverages

Liability insurance will cover damages or injuries you inflict on other people or property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 15/30/10 that means you have a $15,000 limit per person for injuries, $30,000 for the entire accident, and a limit of $10,000 paid for damaged property. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things such as emergency aid, loss of income, medical services, bail bonds and court costs. How much liability should you purchase? That is your choice, but buy as large an amount as possible. Arizona requires minimum liability limits of 15/30/10 but you should think about purchasing better liability coverage.

The illustration below shows why the minimum limit may not be high enough to adequately cover claims.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your GMC Sierra 2500HD.

Due to the fact that many Arizona drivers have only the minimum liability required by law (which is 15/30/10), their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Do the work, save more money

As you quote Mesa auto insurance, it’s a bad idea to reduce coverage to reduce premium. There are too many instances where an accident victim reduced comprehensive coverage or liability limits and learned later they didn’t have enough coverage. Your goal should be to buy the best coverage you can find at the best price and still be able to protect your assets.

You just learned many ways to lower your GMC Sierra 2500HD insurance car insurance rates in Mesa. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the lowest car insurance rates come from the smaller companies. Some small companies may only write in your state and offer lower premium rates as compared to the big name companies such as State Farm, GEICO and Nationwide.

More tips and info about auto insurance is available in these articles:

• If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
• What Insurance is Cheapest for Drivers Over Age 50 in Mesa? (FAQ)
• What Car Insurance is Cheapest for Single Moms in Mesa? (FAQ)
• Who Has the Cheapest Car Insurance Quotes for Inexperienced Drivers in Mesa? (FAQ)
• What Car Insurance is Cheapest After a Speeding Ticket in Mesa? (FAQ)
• Who Has the Cheapest Mesa Car Insurance Quotes for Hybrid Vehicles? (FAQ)
• Who Has the Cheapest Mesa Auto Insurance Rates for Lyft Drivers? (FAQ)
• Who Has Cheap Mesa Car Insurance Rates for Seniors? (FAQ)
• Uninsured Motorist Statistics (Insurance Information Institute)
• Insurance losses by make and model (Insurance Institute for Highway Safety)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)