Discount Chevy Avalanche insuranceHow many years has it been since you compared low-cost Chevy Avalanche insurance in Aurora? Are you a victim of high-priced Chevy Avalanche insurance in Aurora? Don't feel bad because there are a lot of people in Aurora just like you who feel imprisoned by their auto insurance policy.

Surprisingly, a recent survey revealed that almost 70% of insureds in Colorado renewed their policy with the same company for over three years, and nearly the majority have never compared auto insurance rates at all. The average driver in America can save hundreds of dollars each year by just comparing quotes, but most undervalue the amount of savings they would get if they switch to a new company.

Drivers have many car insurance companies to buy insurance from, and although it's nice to have multiple companies, it can be more difficult to find the lowest cost provider for Chevy Avalanche insurance in Aurora.

Finding and buying affordable auto insurance coverage in Aurora is not as time-consuming as you think. Practically everyone who is shopping for auto insurance most likely will be able to lower their premiums. Although Colorado car owners need to have an understanding of how big insurance companies set your policy premium because rates are impacted by many factors.

How do Car Insurance Companies Determine Chevy Avalanche Insurance Prices?

An important part of buying insurance is that you know the different types of things that help determine your policy premiums. If you have some idea of what influences your rates, this enables you to make decisions that may reward you with lower rates.

Tickets hurt - A bad driving record impacts premiums far more than you think. Good drivers receive lower rates as compared to careless drivers. Even one speeding ticket or other violation can boost insurance rates to the point where it's not affordable. Drivers unfortunate enough to have dangerous violations such as hit and run, DWI or reckless driving convictions may find that they have to to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to prevent their license from being revoked.

Car insurance lapses lead to higher rates - Having a gap between insurance policy dates can be a fast way to pay more for car insurance. In addition to paying higher premiums, failure to provide proof of insurance can result in a steep fine or even jail time.

Comp and collision deductibles are a factor - Physical damage deductibles state the amount of money the insured will be required to pay before your car insurance pays a claim. Physical damage protection, also called comprehensive and collision insurance, protects your car from damage. Examples of some claims that would be covered are a windshield broken by a bird, vandalism, and damage caused by road hazards. The more money the insured has to pay upfront, the lower your rates will be.

Big cities mean more claims - Choosing to live in less populated areas has definite advantages when trying to find low car insurance rates. Urban drivers have to deal with more aggressive driving styles and longer commute times. Lower population corresponds to lower accident rates as well as less vandalism and auto theft.

Better car insurance rates on safer cars - Vehicles with high crash test scores tend to have better insurance rates. Vehicles engineered for safety reduce the chance of injuries and fewer injuries means lower claim amounts and thus lower rates. If the Chevy Avalanche has ratings of a minimum an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.

Reserve policy claims for larger damages - Car insurance companies in Colorado give the best rates to drivers who do not file claims often. If you frequently file small claims, you can definitely plan on increased rates or even have your policy non-renewed. Your car insurance is designed for larger claims.

Better prices with anti-theft devices - Purchasing a vehicle that has an advanced theft prevention system can help lower your premiums. Anti-theft features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart your vehicle from being stolen.

The fastest way that we advise to compare insurance rates from multiple companies is to know the fact most larger insurance companies actually pay money for the chance to compare their rates. All consumers are required to do is provide the companies a bit of rating information including which vehicles you own, what your job is, how much education you have, and your general credit rating. The rating information is sent automatically to many different companies and you will receive price estimates with very little delay.

To start a quote now, click here and complete the form.

The providers in the list below offer price comparisons in Aurora, CO. If multiple companies are shown, we recommend you visit several of them to get the best price comparison.

Chevrolet Avalanche Insurance Cost Estimates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avalanche LS 2WD $182 $326 $570 $34 $170 $1,282 $107
Avalanche LT 2WD $162 $332 $462 $28 $138 $1,122 $94
Avalanche LS 4WD $242 $426 $448 $26 $134 $1,276 $106
Avalanche LT 4WD $284 $434 $576 $34 $172 $1,500 $125
Avalanche LTZ 2WD $164 $288 $422 $24 $126 $1,024 $85
Avalanche LTZ 4WD $326 $630 $462 $28 $138 $1,584 $132
Get Your Own Custom Quote Go

Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Price information does not factor in the specific area where the vehicle is garaged which can affect coverage rates noticeably.

Policy deductible comparison

The illustration below illustrates how your deductible choice and can influence Chevrolet Avalanche insurance costs for different age groups of insureds. The rate quotes are based on a married female driver, full coverage, and no other discounts are factored in.

Physical damage deductibles

The hardest decision when buying coverage is how high should your deductibles be. The premium rates below can help you visualize the rate fluctuation of buying low and high policy deductibles. The first table uses a $250 deductible for physical damage and the second price table uses a $1,000 deductible.

Chevrolet Avalanche insurance rates 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
Get Your Own Custom Quote Go
Chevrolet Avalanche insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avalanche LS 2WD $190 $288 $440 $26 $132 $1,076 $90
Avalanche LT 2WD $190 $340 $440 $26 $132 $1,128 $94
Avalanche LS 4WD $190 $340 $440 $26 $132 $1,128 $94
Avalanche LT 4WD $190 $340 $440 $26 $132 $1,128 $94
Avalanche LTZ 2WD $210 $340 $440 $26 $132 $1,148 $96
Avalanche LTZ 4WD $210 $340 $440 $26 $132 $1,148 $96
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Premium costs do not factor in specific garaging location which can influence insurance rates considerably.

Using the data above, we can ascertain that using a $250 deductible will cost you roughly $28 more each month or $336 a year than choosing the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 27 months between claims, you would probably come out ahead if you opt for a higher deductible. Below is the way you can do this calculation yourself.

Average monthly premium for $250 deductibles: $122
Average monthly premium for $1,000 deductibles (subtract): - $94
Monthly savings from raising deductible: $28
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 27 months

One thing to note is that higher deductibles results in having to pay to pay more out-of-pocket at claim time. That will require enough money put aside in the event you have to pay more for the deductible.

Three reasons auto insurance is important

Even though it's not necessarily cheap to insure a Chevy in Aurora, maintaining insurance may not be optional for several reasons.

First, just about all states have minimum liability requirements which means you are required to buy specific limits of liability insurance in order to drive the car legally. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.

Second, if you have a lien on your Avalanche, most lenders will require you to have physical damage coverage to ensure loan repayment if the vehicle is totalled. If you let the policy lapse, the lender will be forced to insure your Chevy at a much higher rate and force you to reimburse them a much higher amount than you were paying before.

Third, insurance protects both your vehicle and your personal assets. It will also cover medical transport and hospital expenses that are the result of an accident. One policy coverage, liability insurance, will also pay for a defense attorney if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of carrying adequate insurance are definitely more than the cost, specifically if you ever have a liability claim. The average driver in Colorado is currently overpaying as much as $800 each year so smart consumers compare quotes every year to help ensure money is not being wasted.

You may qualify for discounts for Chevy Avalanche insurance in Aurora

Some insurers do not list every possible discount very well, so we took the time to find some of the more common as well as the least known discounts you could be receiving when you buy Aurora car insurance online. If you aren't receiving every discount possible, you're just leaving money on the table.Auto insurance discounts

Discounts save money, but please remember that most discount credits are not given to your bottom line cost. A few only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like you can get free auto insurance, nobody gets a free ride. But all discounts will help reduce the cost of coverage.

If you would like to view insurers offering auto insurance discounts in Colorado, click this link.

When do I need to have guidance from an insurance agent?

Some consumers prefer to have an agent's advice and there is nothing wrong with that. One of the benefits of getting free rate quotes online is the fact that you can find cheaper rates and still have a local agent. Putting coverage with neighborhood insurance agencies is important especially in Aurora.

Insurance agency in AuroraTo find an agent, once you fill out this simple form, your insurance data is sent to local insurance agents who can give free rate quotes for your auto insurance coverage. You never need to do any legwork because prices are sent immediately to you. It's the lowest rates and an insurance agent to talk to. If you have a need to get a price quote from a specific auto insurance provider, don't hesitate to jump over to their website and submit a quote form there.

Pick the best auto insurance agent in Aurora for you

When narrowing the list to find local Aurora agents, there are two types of insurance agents that you can choose from. Agents can be described as either exclusive or independent (non-exclusive).

Independent Auto Insurance Agents

Independent agents do not have single company limitations and that gives them the ability to insure with a variety of different insurance companies and get you the best rates possible. If they find a cheaper price, they can switch companies in-house and you stay with the same agent. If you need lower rates, it's recommended you compare quotes from a couple of independent agencies to maximize your price options.

Shown below is a small list of independent agents in Aurora that may be able to provide cheap rate quotes.

2222 S Fraser St Unit 4 - Aurora, CO 80014 - (303) 368-5839 - View Map

A Complete Auto Insurance Agency
543 Sable Blvd - Aurora, CO 80011 - (303) 650-0060 - View Map

9601 E Colfax Ave - Aurora, CO 80010 - (303) 577-2400 - View Map

View more agents

Exclusive Insurance Agents

Exclusive agencies work for only one company like State Farm, Allstate and AAA. These agents are not able to provide prices from multiple companies so always compare other rates. Exclusive insurance agents are well trained on their company's products and that enables them to sell even at higher rates.

Listed below are exclusive insurance agents in Aurora that can give you price quotes.

Stan Kellogg - State Farm Insurance Agent
15434 E Orchard Rd - Aurora, CO 80016 - (303) 699-2288 - View Map

13688 E Iliff Ave a - Aurora, CO 80014 - (720) 535-5506 - View Map

12201 E Mississippi Ave #105 - Aurora, CO 80012 - (303) 695-6262 - View Map

View more agents

Picking an car insurance agent should include more criteria than just the quoted price. The following questions are important to ask.

Persistent drivers can save

There are still a few companies who do not offer online price quotes and these regional carriers prefer to sell through local independent agencies. Lower-priced Chevy Avalanche insurance in Aurora is available online and from local agencies, and you should compare price quotes from both to get a complete price analysis.

You just read a lot of information how to reduce Chevy Avalanche insurance premium rates online in Aurora. It's most important to understand that the more companies you get prices for, the better chance you'll have of finding affordable Chevrolet Avalanche insurance quotes. Drivers may even discover the lowest premium rates come from a small local company. These companies may only write in your state and offer lower prices compared to the large companies like Allstate and Progressive.

When you buy Aurora car insurance online, make sure you don't buy lower coverage limits just to save a few bucks. In many cases, an insured cut collision coverage only to find out that the small savings ended up costing them much more. The goal is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Additional auto insurance information is available at these links: