Discount Chevy Avalanche insuranceLocating the cheapest insurance for a Chevy Avalanche in Colorado can turn out to be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to compare auto insurance rates so you're going to learn the absolute fastest way to price shop coverage for a new or used Chevy and get the cheapest rates from both online companies and Fort Collins agents.

You need to get comparison quotes every six months since prices change regularly. Even if you got the best rates on Chevy Avalanche insurance in Fort Collins at your last renewal you may be paying too much now. Ignore everything you know about auto insurance because it's time to teach you how to quote online to reduce your cost while increasing coverage.

Best companies for Chevy Avalanche insurance

The car insurance companies shown below are ready to provide price comparisons in Colorado. If more than one company is shown, we recommend you visit two to three different companies to get a more complete price comparison.

Chevrolet Avalanche Insurance Rates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avalanche LS 2WD $310 $502 $452 $26 $136 $1,426 $119
Avalanche LT 2WD $238 $458 $422 $24 $126 $1,268 $106
Avalanche LS 4WD $262 $534 $412 $24 $124 $1,356 $113
Avalanche LT 4WD $186 $390 $532 $32 $160 $1,300 $108
Avalanche LTZ 2WD $204 $332 $448 $26 $134 $1,144 $95
Avalanche LTZ 4WD $262 $448 $412 $24 $124 $1,270 $106
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Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Table data does not factor in specific zip code location which can impact insurance rates noticeably.

Cost comparison with and without full coverage

The information below illustrates the comparison of Chevrolet Avalanche insurance costs with full coverage compared to only the Colorado minimum liability coverage. The prices are based on no claims or driving violations, $250 deductibles, married female driver, and no discounts are factored in.

Deciding between full coverage and liability only

There is no exact formula to exclude full coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than about 10% of replacement cost minus your deductible, then it might be time to buy liability only.

For example, let's pretend your Chevrolet Avalanche book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would receive is $4,000 after the deductible is paid. If it's costing you more than $400 a year for full coverage, then you may need to consider dropping full coverage.

There are a few situations where buying only liability insurance is not a good idea. If you still owe a portion of the original loan, you have to keep full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.

Deductible comparison

One of the most common auto insurance questions is the level to set your comp and collision deductibles. The following tables can help show the price difference between low and high insurance deductibles. The first pricing table uses a $250 deductible for comp and collision and the second pricing table uses a $500 deductible.

Chevrolet Avalanche insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avalanche LS 2WD $306 $458 $440 $26 $132 $1,387 $116
Avalanche LT 2WD $306 $538 $440 $26 $132 $1,467 $122
Avalanche LS 4WD $306 $538 $440 $26 $132 $1,467 $122
Avalanche LT 4WD $306 $538 $440 $26 $132 $1,467 $122
Avalanche LTZ 2WD $342 $538 $440 $26 $132 $1,503 $125
Avalanche LTZ 4WD $342 $538 $440 $26 $132 $1,503 $125
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Chevrolet Avalanche insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avalanche LS 2WD $250 $368 $440 $26 $132 $1,216 $101
Avalanche LT 2WD $250 $434 $440 $26 $132 $1,282 $107
Avalanche LS 4WD $250 $434 $440 $26 $132 $1,282 $107
Avalanche LT 4WD $250 $434 $440 $26 $132 $1,282 $107
Avalanche LTZ 2WD $278 $434 $440 $26 $132 $1,310 $109
Avalanche LTZ 4WD $278 $434 $440 $26 $132 $1,310 $109
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Prices do not factor in specific location which can alter coverage prices substantially.

Using the premium rates above, we can conclude that using a $250 deductible will cost in the ballpark of $15 more each month or $180 each year than choosing the higher $500 deductible. Since you would pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 17 months between claims, you would probably be better off by selecting a higher deductible.

Impact of careless driving on auto insurance rates

The example below illustrates how violations and accident claims can drive up Chevrolet Avalanche premium costs for different age groups of insureds. The data is based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.

Find Cheaper Insurance with These Tips

Consumers need to have an understanding of some of the factors that play a part in calculating the rates you pay for insurance. When you understand what impacts premium levels, this enables you to make decisions that could result in lower rates. Many things are used when quoting car insurance. Some are obvious such as your driving record, but some are not quite as obvious such as whether you are married or your financial responsibility.

Cheaper rates with high comp and collision deductibles - Comp and collision deductibles represent how much money you are required to spend before a claim is paid by your company. Physical damage insurance, also called 'full coverage', insures against damage to your car. Some coverage claims are collision with another vehicle, damage from fire, and having a roll-over accident. The higher the amount you have to pay, the bigger discount you will receive.

Only buy extra policy coverages you need - Policies have additional extra coverages that may not really be needed when buying insurance. Coverage for things like vanishing deductibles, towing, and Farm Bureau memberships are examples of these. These may sound like a good investment when buying your policy, but if you've never needed them in the past remove them and pocket the money.

Responsible credit scores equal low premiums - Having a bad credit rating is a big factor in determining what you pay for insurance. Therefore, if your credit rating is lower than you'd like, you may save money insuring your Chevrolet Avalanche if you improve your credit rating. Drivers who have excellent credit scores tend to be better drivers and file fewer claims than drivers who have bad credit.

How your age affects premiums - Teenage drivers in Colorado are proven to be more careless when behind the wheel and because of this, their insurance rates are much higher. Older people are shown to be more cautious, statistically cause fewer accidents, and tend to be get fewer driving tickets.

Car plus home equals more savings - Most major insurers will give lower prices to policyholders who carry more than one policy, otherwise known as a multi-policy discount. Even if you qualify for this discount already, consumers should still compare other Fort Collins Avalanche insurance rates to ensure the best deal. It's possible to still save more without the discount by buying from different companies

Rates and job - Did you know your career choice can influence rates? Occupations like lawyers, air traffic controllers, and dentists generally have higher rates than the rest of us attributed to high stress and long work hours. Conversely, careers like actors, historians and the unemployed pay lower than average rates.

Can a thief steal your car? - Choosing to buy a car with an alarm system can earn a premium discount. Advanced theft deterrents such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent car theft.

Lower rate quotes with discounts

Some insurance providers don't list all possible discounts very clearly, so the list below gives a summary of some of the more common and also the lesser-known credits that you can use to lower your rates.Save money with discounts

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as medical payments or collision. Despite the appearance that having all the discounts means you get insurance for free, that's just not realistic.

Some of the larger companies that may include some of the discounts shown above may include but are not limited to:

Double check with all companies you are considering the best way to save money. Some discounts may not apply to policies in Fort Collins. If you would like to choose from a list of insurers who offer free Chevy Avalanche insurance quotes in Fort Collins, click here.

Compare rates but buy from a neighborhood Fort Collins auto insurance agent

Some consumers just want to sit down and talk to an agent and that is not a bad decision Agents are very good at helping people manage risk and will help you if you have claims. The best thing about comparing insurance prices online is that you can obtain cheap auto insurance quotes and still have a local agent.

Insurance agency in Fort CollinsTo find an agent, once you fill out this quick form, your coverage information is emailed to participating agents in Fort Collins who will return price quotes to get your business. It's much easier because you don't need to do any legwork because quoted prices will be sent to you. If for some reason you want to get a price quote from one company in particular, you can always search and find their rate quote page and give them your coverage information.

Finding a good provider should include more criteria than just the price. Some important questions to ask are:

Shown below are Fort Collins insurance companies who can help you get price quotes for Chevy Avalanche insurance in Fort Collins.

More Fort Collins agents

Tailor your insurance coverage to you

When quoting and choosing the best insurance coverage, there really isn't a best way to insure your cars. Your financial needs are unique and your insurance should unique, too.Higher deductibles save money For instance, these questions might help in determining if you would benefit from an agent's advice.

If you're not sure about those questions then you might want to talk to 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. It only takes a few minutes and may give you better protection.

Shop smart and save

We've covered many tips how you can get a better price on Chevy Avalanche insurance in Fort Collins. The key thing to remember is the more rate comparisons you have, the better chance you'll have of finding affordable Chevrolet Avalanche insurance quotes. You may even discover the best prices are with an unexpected company. Smaller companies can often insure niche markets at a lower cost compared to the large companies like GEICO and State Farm.

Lower-priced Chevy Avalanche insurance in Fort Collins can be bought on the web and from local insurance agents, so you need to shop Fort Collins car insurance with both in order to have the best price selection to choose from. Some insurance companies may not have rate quotes online and usually these small insurance companies only sell through independent insurance agents.

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