Finding low-cost insurance for your Chevy Avalanche in Arizona can normally be a painful process, but you can learn a few tricks to save time.
There are both good and bad ways to shop for auto insurance and we’ll show you the quickest way to compare rates for a new or used Chevy and find the cheapest rates either online or from Phoenix insurance agents.
It’s smart to quote other rates before your policy renews because prices fluctuate regularly. Just because you had the lowest rates on Chevy Avalanche insurance in Phoenix a few years ago there may be better deals available now. Don’t believe everything you read about Avalanche insurance on the internet, but we’re going to give you some of the best techniques to stop overpaying for insurance in Phoenix.
Best companies for Chevy Avalanche insurance
The companies shown below offer quotes in Arizona. If the list has multiple companies, we recommend you visit as many as you can to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Avalanche LS 2WD||$138||$240||$424||$26||$126||$954||$80|
|Avalanche LT 2WD||$182||$364||$394||$24||$118||$1,082||$90|
|Avalanche LS 4WD||$182||$364||$394||$24||$118||$1,082||$90|
|Avalanche LT 4WD||$206||$364||$382||$22||$114||$1,088||$91|
|Avalanche LTZ 2WD||$324||$566||$506||$30||$152||$1,578||$132|
|Avalanche LTZ 4WD||$360||$676||$506||$30||$152||$1,724||$144|
|Get Your Own Custom Quote Go|
Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rates do not factor in specific garaging location which can change premium rates noticeably.
Tickets and at-fault accidents raise rates
The illustration below shows how speeding tickets and at-fault collisions influence Chevrolet Avalanche yearly insurance costs for each different age category. The rates are based on a single female driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.
The chart below shows how different deductible levels and can raise or lower Chevrolet Avalanche annual premium costs for different age groups. The premium estimates are based on a married female driver, full coverage, and no discounts are applied.
Auto insurance premiums based on gender
The chart below visualizes the comparison of Chevrolet Avalanche insurance rates for male and female drivers. The price estimates are based on a clean driving record, no at-fault accidents, full physical damage coverage, $500 deductibles, drivers are not married, and no discounts are factored in.
Why Smart Buyers Pay Less for Chevy Avalanche Insurance
An important part of buying insurance is that you know the rating factors that play a part in calculating the level of your policy premiums. When you understand what impacts premium levels, this enables you to make decisions that could result in lower premium levels.
Higher rates for insurance policy lapses – Having a gap between insurance policy dates is a sure-fire way to increase your renewal premiums. In addition to paying higher premiums, failure to provide proof of insurance will get you a license revocation or jail time. You could then be forced to submit proof of financial responsibility or a SR-22 with the Arizona motor vehicle department.
Driver age impacts premiums – Teenage drivers in Arizona are known to be careless and easily distracted when driving with friends therefore insurance rates are much higher. More experienced drivers are more cautious drivers, statistically cause fewer accidents, and get fewer tickets.
Discounts for multiple policies – Lots of insurance companies give discounts to clients that purchase more than one policy such as combining an auto and homeowners policy. The amount of the discounts can be ten percent or more. Even if you qualify for this discount already, consumers should still comparison shop to verify if the discount is saving money.
The type of vehicle makes a difference – The make and model of the car or truck you need to insure makes a huge difference in how high your rates are. Since the Chevrolet Avalanche is classified as a pickup/SUV, rates will be a little bit more compared to average rates in Phoenix. Smaller low performance passenger cars generally have the cheapest insurance rates, but that’s not the only thing that factors into the final price.
Improve your credit rating and save – Having a bad credit score is likely to be a major factor in calculating your insurance rates. People with high credit scores tend to be better risks to insure as compared to drivers with lower credit scores. If your credit rating can be improved, you could potentially save money when insuring your Chevrolet Avalanche if you improve your credit rating.
Add-on coverages you don’t use – There are quite a few add-on coverages that can add up on your Avalanche policy. Add-on coverages like personal injury protection, death and dismemberment, and additional equipment coverage are probably not needed. They may seem good when discussing your needs, but if you don’t need them think about removing them and cutting costs.
Liability protection preserves assets – Your policy’s liability coverage is the coverage that protects you in the event that a jury decides you are liable for an accident. Liability insurance provides legal defense coverage which can cost thousands of dollars. It is affordable coverage compared to comp and collision, so drivers should carry high limits.
Does your employer raise your prices? – Did you know your job can affect your rates? Jobs like real estate brokers, business owners and dentists usually pay higher rates than average attributed to intense work-related stress and extremely grueling work hours. Other occupations like professors, athletes and performers receive lower rates.
Chevy Avalanche insurance discounts in Phoenix
Some insurance providers do not list all possible discounts very well, so the next list breaks down a few of the more well known and also the more inconspicuous savings tricks you should be using when you buy Phoenix car insurance online.
- Multi-car Discount – Buying coverage for several vehicles with the same insurance company can get a discount on all vehicles.
- Professional Organizations – Belonging to specific professional or occupational memberships or organizations could trigger savings on insurance.
- Driving Data Discount – Drivers that enable data collection to look at their driving habits by installing a telematics device such as State Farm’s In-Drive may get a rate reduction as long as the data is positive.
- Passive Restraints – Factory options such as air bags can receive discounts up to 30%.
- College Student Discount – Children who are attending college and do not have access to a covered vehicle may qualify for this discount.
- Defensive Driving Course – Taking a defensive driver course is a good idea and can lower rates and also improve your driving technique.
While discounts sound great, it’s important to understand that some credits don’t apply to the overall cost of the policy. Most only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, companies don’t profit that way.
The best insurance companies and their offered discounts are included below.
- Farmers Insurance may offer discounts for alternative fuel, homeowner, bundle discounts, distant student, pay in full, multi-car, and youthful driver.
- State Farm may have discounts that include anti-theft, multiple autos, good student, driver’s education, and passive restraint.
- Liberty Mutual includes discounts for hybrid vehicle, new vehicle discount, new graduate, preferred payment discount, and new move discount.
- MetLife may include discounts for multi-policy, defensive driver, good driver, claim-free, good student, accident-free
- Progressive discounts include homeowner, multi-policy, online signing, online quote discount, good student, continuous coverage, and multi-vehicle.
If you need lower rates, check with every prospective company which discounts you qualify for. A few discounts might not apply everywhere. To see providers who offer free Chevy Avalanche insurance quotes in Phoenix, click here to view.
Insurance agencies are trained to help
Some people would rather buy from a licensed agent and doing so can bring peace of mind Professional agents are highly skilled in risk management and give you someone to call. The biggest benefit of comparing car insurance online is that drivers can save money and get lower auto insurance rates but also keep your business local. Buying from and supporting neighborhood agents is especially important in Phoenix.
Once you complete this short form, your information gets sent to insurance agents in Phoenix that provide free Phoenix car insurance quotes to get your business. It’s much easier because you don’t need to visit any agencies since rate quotes are delivered to you instantly. If you wish to compare prices from a particular provider, don’t hesitate to visit that company’s website and fill out the quote form the provide.
What type of Phoenix car insurance agent is right for you?
If you need to find a reliable insurance agent, you should know the different types of agencies and how they operate. Agents can be described as either exclusive or independent (non-exclusive). Both insure your vehicles properly, but it’s worth learning why they differ since it may influence the type of agent you choose.
Independent Car Insurance Agents (or Brokers)
Agents of this type are not employed by any specific company and that gives them the ability to insure with multiple insurance companies and potentially find a lower price. To transfer your coverage to a different company, the agent simply finds a different carrier and you don’t have to do anything.
If you are comparing car insurance prices, we recommend you get some free quotes from a few independent agents for the best price selection. They also have the ability to place coverage with additional companies that you may not be familiar with which may provide better rates.
The following is a list of independent insurance agents in Phoenix that can give you free rate quotes.
- 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
- Rodriguez Insurance
5720 N 27th Ave – Phoenix, AZ 85017 – (602) 242-5303 – View Map
Agents that choose to be exclusive can only write with one company and some examples include Allstate, State Farm and Farm Bureau. Exclusive agents cannot provide rate quotes from other companies so keep that in mind. Exclusive agencies are usually quite knowledgeable on what they offer and that can be a competitive advantage. Consumers often buy from exclusive agents partially due to high brand loyalty instead of buying on price only.
Listed below are Phoenix exclusive insurance agents that are able to give comparison quotes.
- Andy Carrillo – State Farm Insurance Agent
4713 E Southern Ave – Phoenix, AZ 85042 – (602) 426-8088 – View Map
- Martha Bueti – State Farm Insurance Agent
3540 E Baseline Rd #115 – Phoenix, AZ 85042 – (602) 243-9209 – View Map
- Jan McDaniel – State Farm Insurance Agent
4030 E Bell Rd #112 – Phoenix, AZ 85032 – (602) 266-2050 – View Map
Choosing an insurance agent requires more thought than just a low price. Get answers to these questions too.
- Do they specialize in personal lines coverage in Phoenix?
- Is the agent and/or agency licensed to do business in Arizona?
- Will a damage claim use OEM or aftermarket replacement parts?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Is the agency covered by Errors and Omissions coverage?
Affordable rates are available
Consumers who switch companies do it for many reasons like questionable increases in premium, delays in responding to claim requests, high prices or even being labeled a high risk driver. It doesn’t matter why you want to switch switching auto insurance companies can be pretty painless.
As you prepare to switch companies, make sure you don’t sacrifice coverage to reduce premiums. There are too many instances where an insured dropped full coverage only to regret that it was a big error on their part. Your objective should be to buy a smart amount of coverage at an affordable rate, but do not sacrifice coverage to save money.
We’ve covered many ideas to get a better price on Chevy Avalanche insurance in Phoenix. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest prices come from a small mutual company.
More detailed auto insurance information can be read in the articles below:
- Vehicle Insurance in the U.S. (Wikipedia)
- Who Has the Cheapest Auto Insurance Quotes for a Ford F-150 in Phoenix? (FAQ)
- How Much are Phoenix Car Insurance Quotes for a GMC Sierra? (FAQ)
- What Car Insurance is Cheapest in Phoenix, Arizona? (FAQ)
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Child Safety FAQ (iihs.org)
- Tread Depth and Tire Safety (State Farm)