How many years has it been since you compared more competitive Chevy City Express insurance in Phoenix? Purchasing low-cost Phoenix Chevy City Express insurance quotes on the web might seem rather difficult for beginners to comparing rates on the web. With dozens of insurers to choose from, how are consumers able to effectively compare the different rates to find the cheapest available price?
Unbelievable but true according to a study nearly 70% of customers have bought auto insurance from the same company for well over three years, and just under half have never quoted rates to find affordable coverage. With the average auto insurance premium being $1,600, Phoenix drivers could save an average of up to 50% each year, but most undervalue the big savings they would realize if they moved their coverage to a different company.
You should take the time to take a look at other company’s rates before your policy renews since insurance rates are rarely the same from one policy term to another. Even if you think you had the lowest rate on Chevy City Express insurance in Phoenix on your last policy there may be better deals available now. Forget anything you know (or think you know) about auto insurance because you’re about to learn the easiest way to find better coverage on Chevy City Express insurance in Phoenix at a better price.
The purpose of this post is to help you learn the best way to quote coverages and some tips to save money. If you’re already insured, you stand a good chance to be able to reduce the price you pay using the concepts covered in this article. Although Arizona car owners can benefit from knowing the way insurance companies set your policy premium and use this information to your advantage.
Affordable car insurance in Phoenix, AZ
The car insurance companies shown below are ready to provide quotes in Phoenix, AZ. If multiple companies are shown, it’s highly recommended you get rates from several of them to find the lowest car insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|City Express Cargo 2500 2WD||$220||$440||$362||$22||$108||$1,152||$96|
|City Express Cargo 1500 2WD||$98||$208||$288||$18||$86||$698||$58|
|City Express Cargo 3500 2WD||$210||$360||$308||$18||$92||$988||$82|
|City Express 2500 LT 2WD||$124||$240||$314||$18||$94||$790||$66|
|City Express 2500 2WD||$286||$574||$404||$24||$122||$1,410||$118|
|City Express 2500 LS 2WD||$248||$526||$390||$24||$116||$1,304||$109|
|City Express 3500 2WD||$146||$268||$288||$18||$86||$806||$67|
|City Express Cargo 1500 AWD||$234||$428||$308||$18||$92||$1,080||$90|
|City Express 1500 LS 2WD||$210||$388||$404||$24||$122||$1,148||$96|
|City Express 1500 LS AWD||$138||$326||$390||$24||$116||$994||$83|
|City Express 1500 AWD||$232||$460||$300||$18||$90||$1,100||$92|
|City Express 1500 LT 2WD||$162||$364||$314||$18||$94||$952||$79|
|City Express Cargo 1500 Turbo Diesel 2WD||$210||$424||$308||$18||$92||$1,052||$88|
|City Express Cargo 2500 Turbo Diesel 2WD||$184||$290||$392||$24||$118||$1,008||$84|
|City Express 3500 LT 2WD||$138||$298||$338||$20||$102||$896||$75|
|City Express 3500 LS 2WD||$202||$382||$282||$16||$84||$966||$81|
|City Express 3500 2WD||$332||$548||$392||$24||$118||$1,414||$118|
|City Express 1500 LT AWD||$156||$326||$390||$24||$116||$1,012||$84|
|City Express Cargo 3500 Turbo Diesel 2WD||$194||$342||$308||$18||$92||$954||$80|
|City Express Cargo 1500 Turbo Diesel AWD||$124||$240||$282||$16||$84||$746||$62|
|Get Your Own Custom Quote Go|
Prices based on married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Table data does not factor in your specific Phoenix location which can alter premiums considerably.
Drive safe and save
The diagram below shows how traffic citations and at-fault claims influence Chevrolet City Express insurance costs for different age groups. The rates are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.
Policy deductible comparison
The information below highlights how deductible choice and can change Chevrolet City Express insurance premiums for different categories of driver ages. The premiums are based on a single female driver, full coverage, and no discounts are applied to the premium.
Full coverage rates compared to liability-only
The diagram below examines Chevrolet City Express insurance costs when comparing full coverage to liability only. The premiums are based on no claims or violations, $250 deductibles, married male driver, and no policy discounts are applied.
When to switch to liability coverage only
There is no set rule to drop full coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.
For example, let’s say your Chevrolet City Express claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $7,000 after paying the physical damage deductible. If you are paying in excess of $700 annually for your policy with full coverage, then it could be time to drop full coverage.
There are some conditions where eliminating full coverage is not recommended. If you still owe money on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should keep full coverage on your policy.
Auto insurance policy discounts you can’t miss
Buying auto insurance is not cheap, but there may be some discounts that many consumers don’t even know exist. Some discounts will apply when you complete an application, but less common discounts must be specially asked for before they will apply.
- Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts may be able to save a few bucks off the medical payments premium.
- Bundle and Save – When you have multiple policies and place coverage with the same company you will save over 10 percent off each policy depending on the company.
- More Vehicles More Savings – Drivers who insure more than one vehicle with one company qualifies for this discount.
- Driving Data Discount – Drivers who elect to allow their company to scrutinize their driving habits by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction as long as the data is positive.
- Life Insurance Discount – Larger companies have lower rates if you buy a life policy as well.
- Air Bags and Passive Restraints – Options like air bags or automatic seat belts may get savings up to 30%.
- Driver Training Discounts – Successfully completing a safe driver course could earn you a small percentage discount depending on where you live.
A little disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. A few only apply to individual premiums such as comp or med pay. Even though it appears you can get free auto insurance, insurance companies wouldn’t stay in business. But all discounts will bring down your overall premium however.
Popular auto insurance companies and their possible discounts are detailed below.
- American Family may offer discounts for accident-free, multi-vehicle, Steer into Savings, early bird, and bundled insurance.
- State Farm discounts include accident-free, multiple autos, multiple policy, passive restraint, and Drive Safe & Save.
- 21st Century may include discounts for automatic seat belts, theft prevention, good student, anti-lock brakes, driver training, and teen driver.
- Travelers has savings for driver training, multi-policy, continuous insurance, good student, payment discounts, hybrid/electric vehicle, and new car.
- GEICO may have discounts that include emergency military deployment, air bags, five-year accident-free, seat belt use, driver training, and membership and employees.
If you need low cost Phoenix auto insurance quotes, ask all companies you are considering which discounts can lower your rates. Depending on the company, some discounts might not be offered on policies in Phoenix.
Do I need special coverages?
Always keep in mind that when comparing coverage, there isn’t really a one-size-fits-all type of policy. Your needs are unique to you so your insurance needs to address that. These are some specific questions may help you determine if you could use an agent’s help.
- Is my vehicle covered by my employer’s policy when using it for work?
- Does my insurance cover a custom paint job?
- Does my policy cover my teen driver if they drive my company car?
- How much can I save by bundling my policies?
- Is business equipment covered while in my vehicle?
- How high should my uninsured/underinsured coverage be in Arizona?
- Do I have coverage when using my vehicle for my home business?
- Do I need replacement cost coverage on my Chevy City Express?
If you’re not sure about those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier
Local agents and insurance
A small number of people still prefer to buy from a local agent and often times that is recommended One of the great benefits of getting online price quotes is you can get the best rates and still have a local agent. And supporting small agencies is important especially in Phoenix.
Upon completion of this short form, your insurance data is submitted to local insurance agents who can give free rate quotes to get your business. It’s much easier because you don’t need to do any legwork because quoted prices will be sent immediately to you. It’s the lowest rates without requiring a lot of work. If you have a need to get a comparison quote for a specific company, you would need to jump over to their website to submit a rate quote request.
Pick the best car insurance agent in Phoenix for you
If you are wanting to purchase insurance from a local insurance agency, it’s important to understand the types of insurance agents and how they can service your needs differently. Insurance agents in Phoenix can be classified as either independent (non-exclusive) or exclusive.
Independent agents do not sell for just one brand so they can insure your vehicles through lots of different companies enabling the ability to shop coverage around. If they find a lower price, the business is moved internally and that require little work on your part.
If you need lower rates, we highly recommend that you get several quotes from several independent agencies to get the best comparison. Most also have access to companies that do not advertise much that can offer cheaper rates than bigger companies.
Shown below is a partial list of independent insurance agencies in Phoenix that may be able to give pricing information.
- Fasula Kaplan Insurance Agency
11022 N 28th Dr Suite 125 – Phoenix, AZ 85029 – (602) 564-0880 – View Map
- Independent Insurance Agents
333 E Flower St – Phoenix, AZ 85012 – (602) 956-1851 – View Map
- American Premier Insurance Agency
16815 S Desert Foothills Pkwy #140 – Phoenix, AZ 85048 – (480) 423-3444 – View Map
Exclusive Insurance Agents
These agents can only quote rates from one company like Allstate, State Farm and Farm Bureau. These agents are not able to provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agents are well schooled on their company’s products and that enables them to sell even at higher rates. Many people use the same exclusive agent mainly due to the brand and the convenience of having a single billing for all their coverages.
Shown below is a short list of exclusive insurance agencies in Phoenix that can give you price quote information.
- Jacob Rosell – State Farm Insurance Agent
2218 N 24th St – Phoenix, AZ 85008 – (602) 267-8200 – View Map
- John Abercrombie III – State Farm Insurance Agent
7207 N 7th St – Phoenix, AZ 85020 – (602) 906-0299 – View Map
- Chris Bolton – State Farm Insurance Agent
1630 N 7th St – Phoenix, AZ 85006 – (602) 252-1330 – View Map
Selecting a car insurance agent should include more criteria than just a cheap quote. Below are some questions you should ask.
- What insurance companies do they work with in Phoenix?
- Do they have cheaper tiers of coverage?
- Are they in the agency full-time?
- Does the company allow you to choose your own collision repair facility?
- How long have they been in business?
Why you might not save $475 a year
Respected companies like State Farm, Allstate and GEICO endlessly run television, radio, and online ads. They all seem to make an identical promise that people will save if you change your insurance coverage to their company. That’s great but how can every company offer you a better deal on Chevy City Express insurance in Phoenix? Here is how they do it.
Insurance companies have underwriting criteria for the type of driver that earns them a profit. An example of a profitable risk profile may be between the ages of 30 and 50, owns a home, and chooses high deductibles. A propective insured who fits those characteristics will qualify for the lowest prices in Phoenix and therefore will save money with a new company.
Insureds who do not meet the “perfect” profile will have to pay a higher rate which results in business going elsewhere. The trick companies use is to say “people that switch” not “everybody who quotes” save that kind of money. That’s the way companies can advertise the way they do.
Each company has different criteria, so you really need to compare price quotes frequently. It’s not possible to predict which insurance company will have the best rates for your profile.
Get the best coverage at the most affordable price
When you buy Phoenix auto insurance online, it’s not a good idea to sacrifice coverage to reduce premiums. In many cases, an insured dropped liability limits or collision coverage and discovered at claim time that the savings was not a smart move. The ultimate goal is to purchase a proper amount of coverage at the best price, but don’t skip important coverages to save money.
Lower-priced auto insurance in Phoenix can be sourced both online in addition to local insurance agencies, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies do not provide online rate quotes and these regional insurance providers work with local independent agents.
You just learned a lot of ways to save on Chevy City Express insurance in Phoenix. The key thing to remember is the more companies you get premium rates for, the higher your chance of finding affordable Phoenix auto insurance quotes. You may even discover the lowest car insurance rates are with some of the smallest insurance companies. Some small companies may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.
Additional detailed information is available at these sites:
- Collision Insurance Coverage (Nationwide)
- How Much are Phoenix Car Insurance Quotes for a GMC Sierra? (FAQ)
- Who Has Affordable Auto Insurance for a Jeep Wrangler in Phoenix? (FAQ)
- Choosing a Car for Your Teen (State Farm)
- Smart Auto Insurance Tips (Insurance Information Institute)
- Should I Buy a New or Used Car? (Allstate)