Want to know an easy way to compare the cheapest insurance rates in Phoenix, AZ? Phoenix drivers have options when trying to find affordable GMC Envoy insurance. They can either waste time driving around getting price quotes or leverage the internet to make rate comparisons. There is a right way and a wrong way to find insurance online and you need to know the absolute fastest way to compare rates for a new or used GMC and get the best price possible.
Surprisingly, a recent survey revealed that almost 70% of insureds kept their policy with the same company for well over three years, and nearly the majority have never quoted rates to find cheaper coverage. Arizona consumers can cut their rates by $733 a year, but most tend to underestimate how much money they would save if they just switched companies.
Consumers need to shop coverage around on a regular basis because insurance rates are rarely the same from one policy term to another. Just because you had the best rate on GMC Envoy insurance in Phoenix a year ago other companies may now be cheaper. Block out anything you think you know about insurance because we’re going to show you how to use the internet to reduce your cost while increasing coverage.
All the larger insurance companies like Allstate, GEICO and Progressive allow you to get price estimates online. The process is fairly straightforward as you simply type in the coverages you want into the form. Once entered, the quote system requests reports for credit and driving violations and returns a price quote based on the information you submitted.
Quoting online for GMC Envoy insurance in Phoenix makes it a lot easier to compare rates and it’s absolutely necessary to get many rate quotes in order to get the cheapest insurance rates.
To find out how much you can save on insurance, take a look at the companies shown below. If you have a policy now, it’s recommended you duplicate deductibles and limits just like they are on your policy. This ensures you will have a fair comparison based on identical coverages.
The auto insurance companies shown below offer free rate quotes in Phoenix, AZ. If multiple companies are shown, we suggest you visit as many as you can to get a more complete price comparison.
Car insurance discounts are available for cheaper rates
Some providers don’t always list their entire list of discounts very clearly, so the following list contains some of the best known and also the more inconspicuous credits that you can use to lower your rates. If you do not check that you are getting every discount you deserve, you could be getting lower rates.
- New Vehicle Savings – Buying a new car model can get you a discount since new model year vehicles have better safety ratings.
- Early Signing – A few companies allow discounts for switching companies before your current coverage expires. You can save around 10% with this discount.
- Student in College – Any of your kids who are enrolled in a college that is more than 100 miles from Phoenix and do not have a car may be insured at a cheaper rate.
- Driver Safety – Taking a defensive driving course may get you a small discount and easily pay for the cost of the class.
- Discounts for Multiple Vehicles – Buying a policy with multiple vehicles with one company can get a discount on all vehicles.
- Clubs and Organizations – Participating in certain professional organizations is a simple method to lower premiums on car insurance.
- Low Mileage – Low mileage vehicles could earn lower car insurance rates on the low mileage vehicles.
- Discount for Life Insurance – If the company offers life insurance, you could get a discount if you purchase a life policy as well.
- No Charge for an Accident – This one isn’t a discount, but some companies like GEICO, Progressive, and Allstate will allow you to have one accident without the usual rate increase if your claims history is clear before the accident.
Just know that most credits do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, insurance companies wouldn’t stay in business.
Popular car insurance companies and their possible discounts are included below.
- AAA may include discounts for pay-in-full, education and occupation, multi-car, AAA membership discount, good student, good driver, and multi-policy.
- Progressive policyholders can earn discounts including multi-vehicle, homeowner, multi-policy, online quote discount, online signing, and good student.
- State Farm discounts include accident-free, student away at school, Drive Safe & Save, safe vehicle, defensive driving training, and multiple policy.
- Esurance includes discounts for anti-lock brakes, anti-theft, Switch & Save, defensive driver, emergency road assistance, and multi-car.
- Nationwide offers discounts for family plan, accident-free, good student, easy pay, anti-theft, and business or organization.
When getting a coverage quote, ask each company how you can save money. All car insurance discounts might not apply in Phoenix. If you would like to choose from a list of companies with the best GMC Envoy insurance discounts in Phoenix, click this link.
Buying from insurance agencies
Some consumers just prefer to talk to an insurance agent and that is not a bad decision Professional agents will help you protect your assets and help submit paperwork. A nice benefit of getting online price quotes is the fact that you can find the lowest rates but still work with a licensed agent.
By using this short form, your coverage information is submitted to insurance agents in Phoenix that give free quotes for your insurance coverage. There is no reason to leave your computer because prices are sent immediately to you. If you want to get a price quote from one company in particular, don’t hesitate to navigate to their website and fill out the quote form the provide.
Choosing an insurance company needs to be determined by more than just a cheap price. Below are some questions you should ask.
- What insurance companies do they work with in Phoenix?
- Will one accident increase rates?
- Is coverage determined by price?
- Are you getting all the discounts the company offers?
- Does the company allow you to choose your own collision repair facility?
- What will you get paid if your car is a total loss? How is that amount determined?
Two types of Phoenix car insurance agents
If you’re trying to find local Phoenix agents, there are two types of agencies from which to choose. Auto insurance agents in Phoenix are either exclusive agents or independent agents. Either one can write policy coverage, but it’s important to know the difference in how they write coverage since it can affect the selection process.
These agents have only one company to place business with and examples are Farmers Insurance, American Family, State Farm and Allstate. These agents are not able to provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive insurance agents are very knowledgeable on sales techniques and that enables them to sell even at higher rates. Some consumers prefer to choose to use a exclusive agent partially due to the prominent brand name rather than low price.
Below are exclusive agents in Phoenix who can help you get price quotes.
- Douglas Cheung – State Farm Insurance Agent
2600 N 44th St #110 – Phoenix, AZ 85008 – (602) 840-6655 – View Map
- GEICO Insurance Agent
9515 W Camelback Rd #134 – Phoenix, AZ 85037 – (602) 234-3426 – View Map
- Gunther Perdomo Llana – State Farm Insurance Agent
2040 E Bell Rd #110 – Phoenix, AZ 85022 – (602) 971-8488 – View Map
Independent Agents (or Brokers)
Agents that choose to be independent often have many company appointments so they have the ability to put coverage through many different auto insurance companies and help determine which has the cheapest rates. If they find a lower price, they can switch companies in-house and the insured can keep the same agent.
If you need lower rates, it’s a good idea to include price quotes from at least one independent agent to have the most options to choose from. Most also have access to smaller mutual companies that may provide cheaper auto insurance rates.
Below is a list of independent agencies in Phoenix who can help you get rate quotes.
- American Premier Insurance Agency
16815 S Desert Foothills Pkwy #140 – Phoenix, AZ 85048 – (480) 423-3444 – View Map
- Fasula Kaplan Insurance Agency
11022 N 28th Dr Suite 125 – Phoenix, AZ 85029 – (602) 564-0880 – View Map
- Oasis Insurance
317 N 19th Ave – Phoenix, AZ 85009 – (602) 233-5500 – View Map
Choosing the best GMC Envoy insurance in Arizona is an important decision
Despite the fact that insurance is not cheap in Phoenix, maintaining insurance is required for several reasons.
- Almost all states have mandatory liability insurance requirements which means you are required to carry a minimum amount of liability insurance in order to get the vehicle licensed. 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 bought your vehicle with a loan, most lenders will stipulate that you buy insurance to guarantee their interest in the vehicle. If you default on your policy, the bank may insure your GMC at a significantly higher premium and force you to pay for the expensive policy.
- Insurance protects not only your GMC but also your financial assets. It will also cover all forms of medical expenses incurred in an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit in the event you are sued. If your GMC gets damaged, your insurance policy will pay to have it repaired.
The benefits of buying insurance more than cancel out the cost, particularly when you have a large claim. Unknowingly, the average driver is overpaying over $800 each year so you should quote your policy with other companies at every policy renewal to save money.
Car insurance 101
Learning about specific coverages of a car insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.
Comprehensive (Other than Collision)
Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for things such as rock chips in glass, damage from getting keyed, fire damage and a tree branch falling on your vehicle. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
Medical expense insurance
Medical payments and Personal Injury Protection insurance kick in for bills such as pain medications, prosthetic devices, ambulance fees, doctor visits and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
This covers damage to your Envoy from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like backing into a parked car, damaging your car on a curb, crashing into a building and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible on your Envoy in order to get cheaper collision rates.
Liability car insurance
Liability coverage can cover damages or injuries you inflict on a person or their property. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 15/30/10 that means you have a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and a limit of $10,000 paid for damaged property.
Liability can pay for claims like legal defense fees, repair costs for stationary objects and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible. Arizona state law requires minimum liability limits of 15/30/10 but it’s recommended drivers buy more coverage.
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your GMC Envoy.
Since many Arizona drivers only purchase the least amount of liability that is required (15/30/10), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.
Cheaper car insurance rates are out there
Drivers who switch companies do it for a number of reasons such as poor customer service, policy cancellation, delays in responding to claim requests and even an unsatisfactory settlement offer. Regardless of your reason, finding a new company is not as hard as you think.
We just covered a lot of techniques to lower your GMC Envoy insurance auto insurance rates in Phoenix. The key thing to remember is the more you quote Phoenix auto insurance, the higher your chance of finding inexpensive Phoenix auto insurance quotes. You may even be surprised to find that the biggest savings come from a company that doesn’t do a lot of advertising.
As you go through the steps to switch your coverage, make sure you don’t reduce needed coverages to save money. Too many times, someone sacrificed comprehensive coverage or liability limits and learned later they didn’t purchase enough coverage. The goal is to buy the best coverage you can find for the lowest cost while not skimping on critical coverages.
- Collision Coverage (Liberty Mutual)
- Who Has Affordable Phoenix Car Insurance Rates for a Toyota RAV4? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Teenage Males in Phoenix? (FAQ)
- Eight Auto Insurance Myths (Insurance Information Institute)
- Auto Insurance Basics (Insurance Information Institute)
- Should I Buy a New or Used Car? (Allstate)