Truthfully, the best way to get the cheapest car insurance rates is to regularly compare prices from insurers in Mesa. Rates can be compared by completing these steps.
First, try to learn a little about policy coverages and the things you can change to keep rates in check. Many things that result in higher prices such as accidents, traffic tickets, and a negative credit score can be remedied by making minor changes to your lifestyle. Later in this article we will cover tips to prevent high prices and get bigger discounts that may have been overlooked.
Second, compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like Progressive and State Farm, while independent agencies can provide price quotes from multiple insurance companies.
Third, compare the new rate quotes to the premium of your current policy to see if you can save by switching companies. If you can save some money, make sure there is no lapse in coverage.
Fourth, notify your company or agent of your intention to cancel your current policy and submit a down payment and signed policy application to the new company. Once the application is submitted, safely store the certificate verifying coverage along with your vehicle registration.
A crucial key to this process is that you’ll want to compare the same physical damage deductibles and liability limits on every price quote and and to compare all possible companies. This helps ensure an accurate price comparison and the most accurate and complete price analysis.
It’s hard to believe, but about 70% of customers have purchased from the same company for at least the last four years, and virtually 40% of consumers have never quoted auto insurance rates at all. With the average premium in the United States being $1,847, drivers could save $850 a year, but they don’t want to take the time to compare other rate quotes.
If you’re already insured or want to find a cheaper company, you can follow these tips to save money without having to cut coverage. Finding the cheapest auto insurance coverage in Mesa is actually quite easy if you know where to start. Smart shoppers just have to understand how to compare rates from multiple carriers.
Lower your car insurance rates with discounts
Buying car insurance is not cheap, but you might be missing out on some discounts that may help make it more affordable. Many discounts should be triggered when you complete an application, but once in a while a discount must be inquired about prior to getting the savings. If you are not receiving all the discounts you qualify for, you could be saving more on your car insurance.
- Telematics Data Discounts – Drivers that enable their car insurance company to monitor driving patterns by using a telematics device like Drivewise from Allstate or In-Drive from State Farm may see discounts if they are good drivers.
- Discounts for Seat Belt Usage – Requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
- College Student – Children who live away from home at college and won’t have access to an insured vehicle may be able to be covered for less.
- Paperwork-free – Some of the larger companies will give a small break get Mesa auto insurance on the internet.
- Defensive Driver – Successfully completing a course that instructs on driving safety can save you 5% or more and easily recoup the cost of the course.
- Accident Forgiveness – Not really a discount, but certain companies will let one accident slide without getting socked with a rate hike if your claims history is clear for a set time period.
- Save with a New Car – Buying a new car model can save you some money compared to insuring an older model.
- Organization Discounts – Affiliation with qualifying employment or professional organizations could earn you a nice discount on your next renewal.
- Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off with a few car insurance companies.
Remember that some credits don’t apply to the entire policy premium. A few only apply to specific coverage prices like comprehensive or collision. Just because it seems like all the discounts add up to a free policy, that’s just not realistic.
The information below visualizes the comparison of GMC Sierra 3500HD annual premium costs with and without discounts applied to the policy premium. The data assumes a female driver, a clean driving record, no claims, Arizona state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-policy, claim-free, multi-car, and safe-driver discounts applied.
To choose car insurance companies that offer some of these discounts in Arizona, follow this link.
The companies in the list below provide comparison quotes in Mesa, AZ. If you want the best cheap auto insurance in AZ, we suggest you compare several of them to get a more complete price comparison.
GMC Sierra 3500HD insurance rate analysis
The rate table displayed below outlines a range of coverage costs for GMC Sierra 3500HD models. Learning how insurance premiums are determined helps drivers make decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 3500HD SLE Regular Cab 2WD | $296 | $506 | $308 | $18 | $92 | $1,220 | $102 |
| Sierra 3500HD SLE Regular Cab 4WD | $296 | $582 | $386 | $22 | $116 | $1,402 | $117 |
| Sierra 3500HD SLE Crew Cab 2WD | $296 | $506 | $308 | $18 | $92 | $1,220 | $102 |
| Sierra 3500HD SLE Extended Cab 2WD | $296 | $506 | $308 | $18 | $92 | $1,220 | $102 |
| Sierra 3500HD SLE Extended Cab 4WD | $296 | $582 | $386 | $22 | $116 | $1,402 | $117 |
| Sierra 3500HD SLE Crew Cab 4WD | $296 | $582 | $386 | $22 | $116 | $1,402 | $117 |
| Sierra 3500HD SLT Extended Cab 2WD | $296 | $506 | $308 | $18 | $92 | $1,220 | $102 |
| Sierra 3500HD SLT Crew Cab 4WD | $296 | $582 | $386 | $22 | $116 | $1,402 | $117 |
| Sierra 3500HD SLT Extended Cab 4WD | $296 | $582 | $386 | $22 | $116 | $1,402 | $117 |
| Sierra 3500HD SLT Crew Cab 2WD | $326 | $582 | $308 | $18 | $92 | $1,326 | $111 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Estimates do not factor in garaging location in Mesa which can change prices considerably.
How high should deductibles be?
The hardest decision when buying coverage is where to set your physical damage deductibles. The tables below outline the premium difference when you choose different insurance deductibles. The first data set uses a $250 physical damage deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 3500HD SLE Regular Cab 2WD | $292 | $460 | $300 | $18 | $90 | $1,185 | $99 |
| Sierra 3500HD SLE Regular Cab 4WD | $292 | $530 | $374 | $22 | $112 | $1,355 | $113 |
| Sierra 3500HD SLE Crew Cab 2WD | $292 | $460 | $300 | $18 | $90 | $1,185 | $99 |
| Sierra 3500HD SLE Extended Cab 2WD | $292 | $460 | $300 | $18 | $90 | $1,185 | $99 |
| Sierra 3500HD SLE Extended Cab 4WD | $292 | $530 | $374 | $22 | $112 | $1,355 | $113 |
| Sierra 3500HD SLE Crew Cab 4WD | $292 | $530 | $374 | $22 | $112 | $1,355 | $113 |
| Sierra 3500HD SLT Extended Cab 2WD | $292 | $460 | $300 | $18 | $90 | $1,185 | $99 |
| Sierra 3500HD SLT Crew Cab 4WD | $292 | $530 | $374 | $22 | $112 | $1,355 | $113 |
| Sierra 3500HD SLT Extended Cab 4WD | $292 | $530 | $374 | $22 | $112 | $1,355 | $113 |
| Sierra 3500HD SLT Crew Cab 2WD | $322 | $530 | $300 | $18 | $90 | $1,285 | $107 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 3500HD SLE Regular Cab 2WD | $180 | $290 | $300 | $18 | $90 | $878 | $73 |
| Sierra 3500HD SLE Regular Cab 4WD | $180 | $334 | $374 | $22 | $112 | $1,022 | $85 |
| Sierra 3500HD SLE Crew Cab 2WD | $180 | $290 | $300 | $18 | $90 | $878 | $73 |
| Sierra 3500HD SLE Extended Cab 2WD | $180 | $290 | $300 | $18 | $90 | $878 | $73 |
| Sierra 3500HD SLE Extended Cab 4WD | $180 | $334 | $374 | $22 | $112 | $1,022 | $85 |
| Sierra 3500HD SLE Crew Cab 4WD | $180 | $334 | $374 | $22 | $112 | $1,022 | $85 |
| Sierra 3500HD SLT Extended Cab 2WD | $180 | $290 | $300 | $18 | $90 | $878 | $73 |
| Sierra 3500HD SLT Crew Cab 4WD | $180 | $334 | $374 | $22 | $112 | $1,022 | $85 |
| Sierra 3500HD SLT Extended Cab 4WD | $180 | $334 | $374 | $22 | $112 | $1,022 | $85 |
| Sierra 3500HD SLT Crew Cab 2WD | $198 | $334 | $300 | $18 | $90 | $940 | $78 |
| Get Your Own Custom Quote Go | |||||||
Price 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, homeowner, claim-free, and safe-driver. Rate information does not factor in vehicle location which can influence insurance rates greatly.
Based on these figures, using a $250 deductible will cost you approximately $27 more each month or $324 each year averaged for all Sierra 3500HD models than opting for the higher $1,000 deductible. Since you would pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you go more than 28 months between claims, you would save more money if you choose a higher deductible.
The diagram below illustrates how your choice of deductibles and can impact GMC Sierra 3500HD insurance costs for different age groups of insureds. The data is based on a single female driver, comp and collision included, and no additional discounts are factored in.
Cost of full coverage in Mesa
The illustration below shows the comparison of GMC Sierra 3500HD premium costs with full physical damage coverage compared to only buying liability only. The premiums are based on no violations or accidents, $500 deductibles, drivers are single, and no discounts are factored in.
Guidelines for dropping full coverage
There isn’t a steadfast formula to delete physical damage insurance, but there is a guideline you can use. If the yearly cost of full coverage is more than 10% of any settlement you would receive from your insurance company, then it might be time to buy liability only.
For example, let’s assume your GMC Sierra 3500HD replacement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $2,000 after you pay the deductible. If premiums are more than $200 annually to have full coverage, then you might want to consider buying only liability coverage.
There are some situations where removing full coverage is not recommended. If you still have a lienholder on your title, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should maintain full coverage.
How do Insurance Companies Determine GMC Sierra 3500HD Insurance Rates?
Many factors are used in the calculation when you get your auto insurance bill. Some are pretty understandable such as your driving history, but others are more transparent such as your marital status or your vehicle rating. The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that help calculate your policy premiums. When you understand what influences your rates, this empowers consumers to make smart changes that may reward you with lower auto insurance prices.
Listed below are a few of the things used by your company to calculate your premiums.
Prices go up with performance – The make and model of the car you need to insure makes a substantial difference in how high your rates are. The lowest rates will generally be found on economy passenger vehicles, but the final cost of insurance is determined by many other factors.
The chart below uses these variables: married male driver age 20, full coverage with $100 deductibles, and no discounts or violations. The chart compares GMC Sierra 3500HD insurance premiums compared to other makes and models that have different performances.
Where do you drive? – The higher the miles on your GMC annually the more it will cost to insure it. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Vehicles that sit idle most of the time receive better premium rates than cars that get driven a lot. Improper usage on your Sierra 3500HD is throwing money out the window. Double check that your auto insurance policy states annual mileage.
When should you not file auto insurance claims? – If you tend to file frequent claims, you shouldn’t be surprised to get either policy cancellation or increased premiums. Auto insurance companies in Arizona award most affordable rates to policyholders that do not abuse their auto insurance. Insurance coverage is intended for claims that pose a financial burden.
Cheaper to insure women? – Statistics have proven women tend to be less risk to insure than men. That doesn’t necessarily mean that females are better at driving than males. They both get in auto accidents at a similar rate, but males cause more damage and cost insurance companies more money. Men also statistically get more serious tickets like reckless driving and DUI. Young males are several times more likely to be in an accident and thus pay the highest rates.
The chart below illustrates the comparison of GMC Sierra 3500HD insurance premiums for male and female drivers. The rate quotes are based on no accidents, no driving violations, full physical damage coverage, $250 deductibles, drivers are single, and no additional discounts are factored in.
Limits of liability – A critical coverage on your policy, liability insurance provides coverage if ever you are responsible for personal injury or accident damage. Your policy’s liability insurance provides legal defense coverage starting from day one. This coverage is very inexpensive compared to other policy coverages, so drivers should carry high limits.
Local Mesa insurance agents
A lot of people would rather buy from a licensed agent and we recommend doing that Professional insurance agents can help you choose the best coverages and help in the event of a claim. A good thing about getting free rate quotes online is you may find the lowest rates and still buy from a local agent.
For easy comparison, once you complete this form (opens in new window), your information is immediately sent to participating agents in Mesa who can give free rate quotes and help you find cheaper coverage. You never need to leave your computer since price quotes are sent to you directly. If you need to get a comparison quote from a specific company, just search and find their rate quote page to submit a rate quote request.
Choosing an insurer requires you to look at more than just a cheap price. These are some valid questions you should ask.
- Who are their largest clients?
- Is the agency involved in supporting local community causes?
- Is the coverage adequate for your vehicle?
- Are they paid to recommend certain coverages?
- If you are a high risk driver, do they have special markets for your coverage?
- What kind of financial rating does the company have?
Insurance does more than just repair your car
Even though Mesa Sierra 3500HD insurance rates can get expensive, insuring your vehicle is required in Arizona but also provides important benefits.
- Almost all states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific minimum amounts 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 you took out a loan on your Sierra 3500HD, almost all lenders will require that you have comprehensive coverage to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the bank may insure your GMC at an extremely high rate and make you pay for the expensive policy.
- Insurance preserves both your vehicle and your personal assets. It will also pay for medical transport and hospital expenses for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance will also pay to defend you if you are sued as the result of an accident. If mother nature or an accident damages your car, collision and comprehensive coverages will pay to have it repaired.
The benefits of insuring your Sierra 3500HD definitely exceed the cost, especially if you ever need it. Despite what companies tell you, the average driver is currently overpaying as much as $800 each year so it’s recommended you shop around each time the policy renews to ensure rates are inline.
Arizona auto insurance company ratings
Buying coverage from the best auto insurance provider can be difficult considering how many companies sell insurance in Arizona. The ranking information shown next can help you analyze which coverage providers you want to consider purchasing a policy from.
Top 10 Mesa Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
- Nationwide
- Safeco
Keep this in mind when shopping around
When you buy Mesa auto insurance online, you should never buy less coverage just to save a little money. There are many occasions where an accident victim reduced collision coverage only to find out that it was a big mistake. Your goal should be to find the BEST coverage at a price you can afford and still be able to protect your assets.
There are still a few companies who don’t offer online rate quotes and many times these regional carriers sell through local independent agencies. Lower-priced auto insurance in Mesa can be sourced online as well as from insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from.
Additional information is located at the links below
- Driving in Bad Weather (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance for Drivers Over Age 60 in Mesa? (FAQ)
- Who Has Affordable Mesa Auto Insurance Rates for Low Mileage Drivers? (FAQ)
- What Insurance is Cheapest for a Toyota Tundra in Mesa? (FAQ)
- Who Has Affordable Mesa Auto Insurance for a Learners Permit? (FAQ)
- How Much are Mesa Car Insurance Quotes for Nurses? (FAQ)
- Keeping Children Safe in Crashes Video (iihs.org)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)