Best Insurance for a Chevy Tahoe in Phoenix

Insurance rates Chevy Tahoe in PhoenixHow long have you put off shopping around for more competitive Chevy Tahoe insurance in Phoenix? Are you tired of trying to scrape together enough money to pay insurance each month? You’re in the same situation as millions of other consumers.

Unbelievably, a large majority of consumers kept their coverage with the same insurance company for four years or more, and almost half have never even compared rates from other companies. Most drivers in Arizona could save themselves roughly 50% a year just by shopping around, but most just don’t grasp the benefits if they switched.

Due to the abundance of choices of insurance companies that have lower-cost insurance for a Chevy Tahoe in Phoenix, it is hard for the average consumer to choose the lowest cost insurance provider.

It’s a great practice to get comparison quotes quite often since insurance rates are usually higher with each renewal. Even if you got the best premium rates on Chevy Tahoe insurance in Phoenix a few years ago you can probably find a lower rate today. Block out anything you think you know about insurance because it’s time to teach you how to quote online to find better rates and still maintain coverage.

Affordable Chevy insurance prices in Phoenix

The auto insurance companies shown below can provide price quotes in Phoenix, AZ. If the list has multiple companies, we recommend you get prices from several of them to find the lowest auto insurance rates.

Chevrolet Tahoe Insurance Estimates in Phoenix, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tahoe LS 2WD $202 $396 $288 $18 $86 $990 $83
Tahoe LS 4WD $202 $324 $282 $16 $84 $908 $76
Tahoe LT 2WD $124 $204 $282 $16 $84 $710 $59
Tahoe LT 4WD $264 $428 $308 $18 $92 $1,110 $93
Tahoe LTZ 2WD $256 $528 $362 $22 $108 $1,276 $106
Tahoe LTZ 4WD $224 $450 $314 $18 $94 $1,100 $92
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Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rate information does not factor in vehicle location which can change rates noticeably.

Does it make sense to buy full coverage?

The example below shows the difference between Chevrolet Tahoe insurance premiums with full coverage compared to only the Arizona minimum liability coverage. The premiums assume no driving violations, no at-fault accidents, $100 deductibles, single male driver, and no additional discounts are factored in.

When to drop comp and collision

There isn’t a written rule that works best for making the decision to drop physical damage insurance, but there is a general convention. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost minus the deductible, then it might be time to buy liability only.

For example, let’s say your Chevrolet Tahoe replacement cost is $5,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $4,000 after the deductible is paid. If you are paying over $400 annually for full coverage, then you might want to consider buying only liability coverage.

There are some circumstances where dropping full coverage is not advised. If you haven’t satisfied your loan, you are required to maintain full coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should keep full coverage.

Do you qualify for discounts on Chevy Tahoe insurance in Phoenix?

Car insurance companies don’t always advertise all available discounts very clearly, so the list below details a few of the more well known as well as the least known credits available to bring down your rates.

A little note about advertised discounts, some credits don’t apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So even though you would think having all the discounts means you get insurance for free, that’s just not realistic.

A list of auto insurance companies and a partial list of their discounts are:

If you are trying to find affordable Phoenix auto insurance quotes, ask every insurance company to apply every possible discount. Depending on the company, some discounts might not be available to policyholders in Phoenix. To see companies with discount rates in Arizona, click this link.

Are insurance agencies used anymore?

Many people just want to visit with an insurance agent and there is nothing wrong with that. One of the best bonuses of price shopping on the web is you can get cheap auto insurance rates and still choose a local agent. Buying insurance from local agencies is still important in Phoenix.

Insurance agency in PhoenixTo make it easy to find an agent, after completing this simple form, the quote information is transmitted to companies in Phoenix who will give you quotes for your insurance coverage. You won’t even need to find an agent due to the fact that quote results will go to you instantly. You can most likely find cheaper rates without requiring a lot of work. If you want to get a price quote from a specific auto insurance provider, just go to their quote page and fill out their quote form.

If you are wanting to purchase auto insurance from an insurance agent, you must know there are a couple different types of agents and how they differ in how they quote coverages. Phoenix agents may be either exclusive or independent (non-exclusive).

Independent Auto Insurance Agencies

Independent insurance agents are not locked into one company so they can write business with many different companies and get you the best rates possible. If your agent finds better pricing, the agent simply finds a different carrier and you don’t have to find a new agent.

When comparing rate quotes, we recommend you compare prices from at least one independent agent for maximum quote selection.

Shown below are Phoenix independent insurance agencies who may be able to give you comparison quotes.

3917 S Central AvePhoenix, AZ 85040(602) 268-2548View Map

11022 N 28th Dr Suite 125Phoenix, AZ 85029(602) 564-0880View Map

16815 S Desert Foothills Pkwy #140Phoenix, AZ 85048(480) 423-3444View Map

View more Phoenix agents

Exclusive Insurance Agencies

Exclusive agencies can only write with one company and examples are Farmers Insurance, State Farm, Allstate, and AAA. These agents are not able to compare rates from other companies so keep that in mind. Exclusive agents are highly trained in insurance sales which aids in selling service over price.

Below is a list of exclusive insurance agencies in Phoenix willing to provide price quotes.

3540 E Baseline Rd #115Phoenix, AZ 85042(602) 243-9209View Map

4645 E Chandler Blvd #110Phoenix, AZ 85048(480) 759-0203View Map

4225 W Bell RdPhoenix, AZ 85053(602) 938-4491View Map

View more Phoenix agents

Finding the right car insurance agent requires you to look at more than just a cheap price. Any agent in Phoenix should have no problem answering these questions:

Be persistent to save money

We just covered a lot of tips how to compare Chevy Tahoe insurance auto insurance rates in Phoenix. It’s most important to understand that the more times you quote, the better likelihood of getting low cost Phoenix auto insurance quotes. You may even find the most savings is with an unexpected company. These smaller insurers often have lower premium rates on specific markets as compared to the big name companies such as Allstate or State Farm.

When you buy Phoenix auto insurance online, it’s very important that you do not buy less coverage just to save a little money. Too many times, consumers will sacrifice liability coverage limits only to regret at claim time that it was a big error on their part. The ultimate goal is to buy a smart amount of coverage at a price you can afford and still be able to protect your assets.

For more information, feel free to browse the resources below: