If you want to save the most money, the best way to save on Chevy Avalanche insurance in Irvine is to regularly compare price quotes from companies that sell auto insurance in California.
- Try to learn a little about how companies set rates and the steps you can take to keep rates down. Many risk factors that drive up the price like speeding tickets, accidents and a lousy credit rating can be amended by making lifestyle changes or driving safer. This article provides more ideas to help find cheaper rates and find overlooked discounts.
- Compare price quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from one company like Progressive or State Farm, while independent agencies can give you price quotes from multiple insurance companies. Click to view companies
- Compare the new quotes to your existing rates to see if you can save by switching companies. If you find a lower rate quote and decide to switch, make sure there is no coverage gap between policies.
An essential thing to point out is to use identical deductibles and limits on every quote request and and to get prices from as many car insurance companies as possible. This guarantees an accurate price comparison and the best price quote selection.
Unbelievable but true according to a study most California car insurance customers kept buying from the same company for at least the last four years, and 38% of customers have never compared rates from other carriers. American drivers can save as much as $859 each year just by shopping around, but they won’t spend time to do a rate comparison.
If you have insurance now, you will surely be able to cut your premiums using the following tips. Finding affordable policy in Irvine is easy if you know what you’re doing. But California drivers do need to know how insurance companies sell online and take advantage of how the system works.
Auto insurance statistics and figures
The table displayed next covers different insurance premium costs for Chevy Avalanche models. Learning how insurance prices are formulated can aid in making informed coverage decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalanche LS 2WD | $440 | $576 | $724 | $42 | $216 | $1,998 | $167 |
| Avalanche LT 2WD | $440 | $678 | $724 | $42 | $216 | $2,100 | $175 |
| Avalanche LS 4WD | $440 | $678 | $724 | $42 | $216 | $2,100 | $175 |
| Avalanche LT 4WD | $440 | $678 | $724 | $42 | $216 | $2,100 | $175 |
| Avalanche LTZ 2WD | $490 | $678 | $724 | $42 | $216 | $2,150 | $179 |
| Avalanche LTZ 4WD | $490 | $678 | $724 | $42 | $216 | $2,150 | $179 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Price estimates do not factor in garaging location in Irvine which can increase or decrease rates noticeably.
Comparison of policy deductibles
When shopping for auto insurance, a common question is at what level do you set your deductibles. The comparisons below may aid in understanding the rate differences of buying low and high physical damage coverage deductibles. The first price estimate table uses a $250 deductible for physical damage and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalanche LS 2WD | $386 | $576 | $552 | $32 | $166 | $1,737 | $145 |
| Avalanche LT 2WD | $386 | $678 | $552 | $32 | $166 | $1,839 | $153 |
| Avalanche LS 4WD | $386 | $678 | $552 | $32 | $166 | $1,839 | $153 |
| Avalanche LT 4WD | $386 | $678 | $552 | $32 | $166 | $1,839 | $153 |
| Avalanche LTZ 2WD | $430 | $678 | $552 | $32 | $166 | $1,883 | $157 |
| Avalanche LTZ 4WD | $430 | $678 | $552 | $32 | $166 | $1,883 | $157 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalanche LS 2WD | $314 | $464 | $552 | $32 | $166 | $1,528 | $127 |
| Avalanche LT 2WD | $314 | $546 | $552 | $32 | $166 | $1,610 | $134 |
| Avalanche LS 4WD | $314 | $546 | $552 | $32 | $166 | $1,610 | $134 |
| Avalanche LT 4WD | $314 | $546 | $552 | $32 | $166 | $1,610 | $134 |
| Avalanche LTZ 2WD | $348 | $546 | $552 | $32 | $166 | $1,644 | $137 |
| Avalanche LTZ 4WD | $348 | $546 | $552 | $32 | $166 | $1,644 | $137 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Table data does not factor in the specific area where the vehicle is garaged which can decrease or increase premium rates substantially.
We can estimate from the data above that using a $250 deductible will cost you roughly $19 more each month or $228 annually than choosing the higher $500 deductible. Since the policyholder would be required to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to average at a minimum 13 months between claim filings, you would save more money by selecting a higher deductible.
Smart Buyers Save on Insurance
Many different elements are used in the calculation when you get your auto insurance bill. Some are pretty understandable such as your driving history, but some are less obvious like your continuous coverage or how financially stable you are. Consumers need to have an understanding of the factors that aid in calculating your car insurance rates. When you know what positively or negatively impacts premium levels, this enables informed choices that may reward you with much lower annual insurance costs.
Do you know you’re credit history? – Having a bad credit score is a large factor in determining what you pay. Drivers with very high credit ratings tend to be better drivers and file fewer claims than drivers with lower ratings. If your credit history leaves room for improvement, you could be paying less to insure your Chevrolet Avalanche if you clean up your credit.
Don’t get traffic citations – A bad driving record has a huge affect on how much you pay. Careful drivers get better prices than bad drivers. Having just one citation could increase your next policy renewal by twenty percent. Drivers who get severe citations such as DUI or willful reckless driving are required to file a SR-22 with their state motor vehicle department in order to prevent their license from being revoked.
The chart below demonstrates how citations and accidents can drive up Chevy Avalanche auto insurance rates for different categories of driver ages. The data assumes a married male driver, comp and collision included, $250 deductibles, and no additional discounts are factored in.
Don’t skimp on liability protection – Liability coverage is the coverage that protects you when you are found to be at fault for damages from an accident. Liability insurance provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
Drive less and pay lower prices – The higher the miles on your Chevy annually the higher your rates will be. Almost all companies charge rates based upon how much you drive. Autos that do not get driven very much get more affordable rates as compared to vehicles used primarily for driving to work. Incorrect rating for your Avalanche may be costing you. Make sure your declarations sheet correctly shows the correct usage.
Cheaper rates after marriage – Having a significant other helps lower the price on your policy. Having a spouse translates into being more mature than a single person and it’s statistically proven that drivers who are married file infrequent claims.
Optional features that cut premiums – Purchasing a vehicle that has an advanced theft prevention system can help lower your premiums. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart car theft.
Persistent drivers can save
Drivers leave their current company for any number of reasons including unfair underwriting practices, not issuing a premium refund, high prices or even being labeled a high risk driver. It doesn’t matter why you want to switch finding a new company can be easier than you think.
Cheaper insurance in Irvine is available both online in addition to local insurance agencies, and you need to price shop both to have the best rate selection. Some insurance companies may not offer rate quotes online and these regional carriers work with local independent agents.
You just learned some good ideas how to find affordable Chevy Avalanche insurance in Irvine. The most important thing to understand is the more price quotes you have, the better likelihood of getting inexpensive Irvine car insurance quotes. You may even find the lowest rates are with some of the lesser-known companies.
To read more, link through to the resources below:
- What if I Can’t Find Coverage? (Insurance Information Institute)
- Who Has the Cheapest Irvine Car Insurance Rates for Inexperienced Drivers? (FAQ)
- What Insurance is Cheapest with Multiple Speeding Tickets in Irvine? (FAQ)
- Who Has Affordable Irvine Auto Insurance Rates for State Employees? (FAQ)
- Who Has the Cheapest Auto Insurance for Veterans in Irvine? (FAQ)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)