If you want to find the absolute lowest rates, then the best way to find cheaper prices for auto insurance rates in Tucson is to regularly compare prices from providers that insure vehicles in Arizona. This can be done by following these guidelines.
- Spend some time learning about the coverage provided by your policy and the modifications you can make to keep rates down. Many rating criteria that drive up the price such as high-risk driving behaviors and your credit history can be rectified by paying attention to minor details. Later in this article we will cover additional tips to help prevent costly coverage and find overlooked discounts.
- Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from a single company like Progressive or Farmers Insurance, while agents who are independent can quote prices from multiple companies.
- Compare the new rate quotes to the premium of your current policy to see if a cheaper rate is available. If you find a lower rate, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Give notification to your agent or company to cancel your current policy and submit the required down payment along with the signed application to the new insurer. Be sure to put the new proof of insurance paperwork in your vehicle.
A key point to remember is that you use similar limits and deductibles on each price quote and and to get rates from as many different insurance providers as possible. Doing this helps ensure an accurate price comparison and the most accurate and complete price analysis.
Statistics show that a large majority of car insurance policyholders kept buying from the same company for at least the last four years, and nearly the majority have never even shopped around for lower-cost coverage. With the average premium in Arizona being $1,580, drivers could save an average of up to 50% each year, but they just don’t want to compare rates.
Auto insurance discounts help lower rates for GMC Sierra 3500HD insurance in Tucson
Auto insurance is not inexpensive, but there are discounts available that could help you make your next renewal payment. A few discounts will be applied when you quote, but some discounts are required to be specifically requested prior to receiving the credit. If you do not double check each discount you deserve, you may be paying too high a price.
- Theft Deterrent – Cars with anti-theft systems help deter theft and qualify for as much as a 10% discount.
- Discount for Home Ownership – Simply owning a home can earn you a little savings because owning a home shows financial diligence.
- Claim-Free Discount – Drivers with accident-free driving histories can earn big discounts when compared to bad drivers.
- Discounts for Federal Employees – Simply working for the federal government could provide a small rate reduction but check with your company.
- Distant College Student Discount – Any of your kids who live away from home to go to college and do not have a car may qualify for this discount.
- Low Mileage – Low annual miles can qualify you for substantially lower rates.
Remember that many deductions do not apply to all coverage premiums. Most only apply to specific coverage prices like liability and collision coverage. Even though it appears you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.
The example below illustrates the comparison of GMC Sierra 3500HD insurance prices with and without some available policy discounts. The data assumes a male driver, no accidents, no driving violations, Arizona state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, marriage, safe-driver, homeowner, and multi-car discounts applied.
The best auto insurance companies and a partial list of their discounts include:
- State Farm policyholders can earn discounts including Drive Safe & Save, accident-free, driver’s education, safe vehicle, and student away at school.
- GEICO offers premium reductions for multi-policy, anti-theft, seat belt use, defensive driver, anti-lock brakes, air bags, and driver training.
- Allstate discounts include FullPay discount, auto/life discount, anti-theft, senior citizen, good student, new car, and good payer.
- SAFECO has savings for accident prevention training, homeowner, multi-car, teen safety rewards, drive less, and anti-lock brakes.
- Farm Bureau includes discounts for multi-policy, renewal discount, good student, multi-vehicle, driver training, and youthful driver.
- Progressive offers discounts for good student, online quote discount, online signing, homeowner, and multi-policy.
- AAA may have discounts that include anti-theft, good driver, education and occupation, AAA membership discount, multi-car, and pay-in-full.
If you are trying to find affordable GMC Sierra 3500HD insurance quotes, ask every company to apply every possible discount. Some discounts might not be offered in Tucson. If you would like to see a list of companies that can offer you the previously mentioned discounts in Arizona, click here to view.
Most major insurance companies give prices for coverage directly from their websites. Comparing GMC Sierra 3500HD insurance rates online is quite simple as you simply type in the amount of coverage you want into the form. When the form is submitted, the company’s rating system will order your driving and credit reports and returns a price determined by many factors.
This makes comparing rates easy, and it’s absolutely necessary to get many rate quotes in order to find the cheapest price on insurance.
If you want to compare rates now, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend you copy deductibles and limits exactly as they are listed on your policy. This helps ensure you will get comparison quotes based on the exact same insurance coverage.
The companies shown below can provide free quotes in Arizona. In order to find cheap auto insurance in Tucson, AZ, we recommend you click on several of them to get a more complete price comparison.
Car insurance analysis for a GMC Sierra 3500HD
The rate information below showcases a range of insurance prices for GMC Sierra 3500HD models. Understanding how insurance premiums are figured can benefit drivers when making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 3500HD SLE Regular Cab 2WD | $206 | $290 | $392 | $24 | $118 | $1,030 | $86 |
| Sierra 3500HD SLE Regular Cab 4WD | $206 | $334 | $490 | $30 | $146 | $1,206 | $101 |
| Sierra 3500HD SLE Crew Cab 2WD | $206 | $290 | $392 | $24 | $118 | $1,030 | $86 |
| Sierra 3500HD SLE Extended Cab 2WD | $206 | $290 | $392 | $24 | $118 | $1,030 | $86 |
| Sierra 3500HD SLE Extended Cab 4WD | $206 | $334 | $490 | $30 | $146 | $1,206 | $101 |
| Sierra 3500HD SLE Crew Cab 4WD | $206 | $334 | $490 | $30 | $146 | $1,206 | $101 |
| Sierra 3500HD SLT Extended Cab 2WD | $206 | $290 | $392 | $24 | $118 | $1,030 | $86 |
| Sierra 3500HD SLT Crew Cab 4WD | $206 | $334 | $490 | $30 | $146 | $1,206 | $101 |
| Sierra 3500HD SLT Extended Cab 4WD | $206 | $334 | $490 | $30 | $146 | $1,206 | $101 |
| Sierra 3500HD SLT Crew Cab 2WD | $226 | $334 | $392 | $24 | $118 | $1,094 | $91 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Premium amounts do not factor in your specific Tucson location which can influence prices considerably.
Rate comparison for different deductibles
One common question asked by Tucson drivers is the level to set your comp and collision deductibles. The following insurance rates sum up how much more you’ll pay when you select higher and lower deductibles. The first set of rates uses a $100 physical damage deductible and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 3500HD SLE Regular Cab 2WD | $324 | $548 | $300 | $18 | $90 | $1,305 | $109 |
| Sierra 3500HD SLE Regular Cab 4WD | $324 | $632 | $374 | $22 | $112 | $1,489 | $124 |
| Sierra 3500HD SLE Crew Cab 2WD | $324 | $548 | $300 | $18 | $90 | $1,305 | $109 |
| Sierra 3500HD SLE Extended Cab 2WD | $324 | $548 | $300 | $18 | $90 | $1,305 | $109 |
| Sierra 3500HD SLE Extended Cab 4WD | $324 | $632 | $374 | $22 | $112 | $1,489 | $124 |
| Sierra 3500HD SLE Crew Cab 4WD | $324 | $632 | $374 | $22 | $112 | $1,489 | $124 |
| Sierra 3500HD SLT Extended Cab 2WD | $324 | $548 | $300 | $18 | $90 | $1,305 | $109 |
| Sierra 3500HD SLT Crew Cab 4WD | $324 | $632 | $374 | $22 | $112 | $1,489 | $124 |
| Sierra 3500HD SLT Extended Cab 4WD | $324 | $632 | $374 | $22 | $112 | $1,489 | $124 |
| Sierra 3500HD SLT Crew Cab 2WD | $358 | $632 | $300 | $18 | $90 | $1,423 | $119 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Sierra 3500HD SLE Regular Cab 2WD | $236 | $370 | $300 | $18 | $90 | $1,014 | $85 |
| Sierra 3500HD SLE Regular Cab 4WD | $236 | $428 | $374 | $22 | $112 | $1,172 | $98 |
| Sierra 3500HD SLE Crew Cab 2WD | $236 | $370 | $300 | $18 | $90 | $1,014 | $85 |
| Sierra 3500HD SLE Extended Cab 2WD | $236 | $370 | $300 | $18 | $90 | $1,014 | $85 |
| Sierra 3500HD SLE Extended Cab 4WD | $236 | $428 | $374 | $22 | $112 | $1,172 | $98 |
| Sierra 3500HD SLE Crew Cab 4WD | $236 | $428 | $374 | $22 | $112 | $1,172 | $98 |
| Sierra 3500HD SLT Extended Cab 2WD | $236 | $370 | $300 | $18 | $90 | $1,014 | $85 |
| Sierra 3500HD SLT Crew Cab 4WD | $236 | $428 | $374 | $22 | $112 | $1,172 | $98 |
| Sierra 3500HD SLT Extended Cab 4WD | $236 | $428 | $374 | $22 | $112 | $1,172 | $98 |
| Sierra 3500HD SLT Crew Cab 2WD | $262 | $428 | $300 | $18 | $90 | $1,098 | $92 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Prices do not factor in specific Tucson garaging location which can modify premiums substantially.
Based on the data above, we can derive that using a $100 deductible will cost you about $26 more each month or $312 each year across all GMC Sierra 3500HD models than buying the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to go more than 15 months between claims, you would probably save some money if you choose the higher deductible.
Comparison of car insurance rates by gender and age
The diagram below shows the difference between GMC Sierra 3500HD yearly insurance costs for male and female drivers. The premium estimates are based on no accidents, no driving violations, full physical damage coverage, $250 deductibles, single marital status, and no other discounts are factored in.
Does it make sense to buy full coverage?
The diagram below shows the difference between GMC Sierra 3500HD car insurance rates with and without physical damage coverage. The information is based on no driving violations, no at-fault accidents, $100 deductibles, single marital status, and no discounts are applied.
Guidelines for dropping full coverage
There is no clear-cut rule to stop buying physical damage coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
For example, let’s assume your GMC Sierra 3500HD book value is $4,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $3,000 after the deductible is paid. If you are paying in excess of $300 a year for your policy with full coverage, then it’s probably a good time to buy liability coverage only.
There are a few cases where only buying liability is not in your best interest. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should keep full coverage in place.
How Insurance Companies Calculate GMC Sierra 3500HD Insurance Premiums
One of the most helpful ways to save on car insurance is to to have a grasp of the rating factors that help calculate your policy premiums. If you understand what influences your rates, this empowers consumers to make smart changes that may reward you with cheaper rates. Lots of factors are used when you quote your car insurance policy. Most are fairly basic such as your driving record, but other criteria are less apparent like your continuous coverage or how safe your car is.
Listed below are a few of the things used by companies to determine your rate level.
Bundle policies to earn discounts – Some car insurance companies provide lower prices to customers that purchase more than one policy in the form of a multi-policy discount. The discount can be ten percent or more. Even if you already get this discount, drivers will still want to comparison shop to verify if the discount is saving money.
A good credit score can save money – Having a bad credit rating can be an important factor in calculating your premium rate. Drivers with excellent credit tend to file fewer claims and have better driving records as compared to drivers with lower credit ratings. If your credit rating can use some improvement, you could potentially save money when insuring your GMC Sierra 3500HD by spending a little time repairing your credit.
Put fewer miles on your vehicle – Driving a lot of miles every year the more you’ll pay to insure it. The majority of insurers calculate rates determined by how the vehicle is used. Autos that are left in the garage can be on a lower rate level as compared to vehicles used primarily for driving to work. It’s a smart idea to ensure your car insurance declarations sheet is rated on the correct usage, because improper ratings can cost you money. Having the wrong rating on your Sierra 3500HD can result in significantly higher rates.
Defend yourself with liability protection – The liability coverage on your policy is the protection in the event that you are responsible for damages from an accident. Your policy’s liability insurance provides you with a defense in court to defend your case. Liability insurance is pretty cheap compared to other policy coverages, so do not skimp.
No coverage gaps is important – Driving any period of time without insurance is a big no-no and you may have a hard time finding new coverage because you let your insurance expire. Not only will you pay higher rates, failure to provide proof of insurance could earn you fines and jail time. You may then have to file a SR-22 with the Arizona DMV.
There’s no such thing as the perfect insurance policy
When buying coverage, there really is no cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions can aid in determining whether you could use an agent’s help.
- Am I covered if I crash into my own garage door?
- Why is insurance for a teen driver so high in Tucson?
- When can I cancel my policy?
- Should I drop comprehensive coverage on older vehicles?
- Does my insurance cover damage caused when ticketed for reckless driving?
- When should I remove my kid from my policy?
- What does roadside assistance cover?
If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.
Shop online but buy locally
Certain consumers just prefer to get professional advice from a licensed agent and that is recommended in a lot of cases The best thing about getting free rate quotes online is that you can find cheap rate quotes but still work with a licensed agent.
After completing this quick form, your coverage information is sent to local insurance agents in Tucson who will gladly provide quotes for your insurance coverage. It’s much easier because you don’t need to even leave your home because prices are sent to you. You can most likely find cheaper rates and a licensed agent to talk to. If you have a need to get a price quote from one company in particular, you would need to navigate to their website and complete a quote there.
Finding a good insurer should depend on more than just a cheap quote. Below are some questions you should ask.
- Can glass repairs be made at your home?
- Do they make recommendations based only on price?
- Do they specialize in personal lines coverage in Tucson?
- Do they carry Errors and Omissions coverage?
- Will the quote change when the policy is issued?
- How are they compensated?
- How much experience to they have in personal lines coverages?
When looking for a good Tucson insurance agent, it’s important to understand the different types of agencies and how they can write your policy. Tucson agents are classified as either independent or exclusive.
Exclusive Auto Insurance Agents
Exclusive agencies have only one company to place business with and examples are Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents are unable to give you multiple price quotes so keep that in mind. These agents are highly trained on the products they sell which helps overcome the inability to quote other rates. Consumers sometimes use the same exclusive agent mainly due to the brand rather than having the cheapest rates.
Below are Tucson exclusive agencies that can give you rate quotes.
- Melissa Tureaud – State Farm Insurance Agent
7487 E Broadway Blvd – Tucson, AZ 85710 – (520) 296-9525 – View Map - Tim Brown: Farmers Insurance Agent
70 W Franklin St – Tucson, AZ 85701 – (520) 322-3924 – View Map - Farmers Insurance: John Brown
9155 E Tanque Verde Rd #117 – Tucson, AZ 85749 – (520) 323-2500 – View Map
Independent Insurance Agents
These agents are not restricted to one company so they can write business through many companies enabling the ability to shop coverage around. To move your coverage to a new company, your policy is moved internally and you can keep the same agent.
When shopping rates, you should always get several quotes from at least one independent agent to have the best price comparison. They also have the ability to place coverage with companies that do not advertise much which could offer lower prices.
Shown below are independent insurance agencies in Tucson willing to provide price quote information.
- Arizona Insurance Clinic
4925 E 5th St Suite # 101 – Tucson, AZ 85711 – (520) 323-6887 – View Map - DM Lovitt Insurance Agency
607 N 6th Ave – Tucson, AZ 85705 – (520) 798-1888 – View Map - The Insurance House
2725 E Broadway Blvd – Tucson, AZ 85716 – (520) 795-7737 – View Map
Choosing the best Sierra 3500HD insurance in Arizona is an important decision
Despite the fact that car insurance is not cheap in Tucson, insuring your vehicle is not optional due to several reasons.
- Most states have minimum liability requirements which means you are required to carry specific limits of liability protection in order to drive the car. 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 GMC Sierra 3500HD has a lienholder, almost all lenders will make it mandatory that you have comprehensive coverage to guarantee payment of the loan. If you cancel or allow the policy to lapse, the bank may buy a policy for your GMC at a significantly higher premium and force you to reimburse them the higher premium.
- Insurance protects both your assets and your GMC Sierra 3500HD. It also can pay for many types of medical costs incurred in an accident. Liability coverage, the one required by state law, will also pay to defend you if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, your policy will pay to restore your vehicle to like-new condition.
The benefits of buying car insurance more than cancel out the cost, particularly if you ever have a claim. Unknowingly, the average driver is overpaying over $800 each year so compare rate quotes every year to be sure current rates are still competitive.
More effort can pay off
As you quote Tucson auto insurance, don’t be tempted to reduce needed coverages to save money. There have been many situations where drivers have reduced uninsured motorist or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy the best coverage you can find at the best price, not the least amount of coverage.
Throughout this article, we presented some good ideas how to find cheaper GMC Sierra 3500HD insurance in Tucson. It’s most important to understand that the more you quote Tucson auto insurance, the better your chances of lowering your car insurance rates. You may even find the lowest priced insurance comes from a small local company. Smaller companies can often provide lower car insurance rates in certain areas than the large multi-state companies such as GEICO and State Farm.
Helpful articles
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- Who Has Cheap Auto Insurance for Low Income Drivers in Tucson? (FAQ)
- Who Has Cheap Tucson Car Insurance Rates for Uninsured Drivers? (FAQ)
- What Auto Insurance is Cheapest for a Jeep Wrangler in Tucson? (FAQ)
- Who Has Cheap Tucson Car Insurance for Drivers Under 25? (FAQ)
- How Much are Tucson Auto Insurance Rates for a Ford F-150? (FAQ)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Rollover Crash FAQ (iihs.org)