Would you like to find low-cost Chevy Avalanche insurance in Denver? Trying to find cheaper insurance for a Chevy Avalanche in Colorado could be a painful process, but you can use a few tricks to make it easier. There is a better way to compare car insurance rates and you need to know the proper way to quote coverages for a new or used Chevy and get the lowest possible price from Denver insurance agents and online providers.
Statistics show that most car insurance buyers have remained with the same car insurance company for at least the last four years, and nearly half have never taken the time to shop around. Many drivers in Colorado could save themselves about 35% a year by just shopping around, but they think it’s difficult to shop around.
It’s a great practice to check car insurance prices yearly because prices change quite often. Even if you got the lowest price on Chevy Avalanche insurance in Denver last year there may be better deals available now. There is a lot of wrong information about Avalanche insurance on the web, but you can learn some good information on how to reduce your car insurance bill.
Reducing your Chevy Avalanche insurance rates can be quick and easy. Drivers just need to spend a little time comparing free Denver car insurance quotes online with multiple companies.
The providers in the list below provide quotes in Colorado. If multiple companies are shown, we recommend you click on several of them to get the most competitive price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Avalanche LS 2WD||$236||$380||$412||$24||$124||$1,176||$98|
|Avalanche LT 2WD||$294||$608||$570||$34||$170||$1,676||$140|
|Avalanche LS 4WD||$294||$630||$462||$28||$138||$1,552||$129|
|Avalanche LT 4WD||$194||$370||$422||$24||$126||$1,136||$95|
|Avalanche LTZ 2WD||$326||$630||$496||$30||$148||$1,630||$136|
|Avalanche LTZ 4WD||$434||$644||$576||$34||$172||$1,860||$155|
|Get Your Own Custom Quote Go|
Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Estimates do not factor in zip code location which can influence coverage prices noticeably.
Cost difference between full coverage and liability
The example below visualizes the comparison of Chevrolet Avalanche insurance prices with full physical damage coverage and with liability coverage only. The rates are based on no violations or claims, $500 deductibles, married female driver, and no discounts are taken into consideration.
Guidelines for eliminating full coverage
There is no exact rule of when to stop paying for full coverage, but there is a guideline you can consider. If the yearly cost of full coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.
For example, let’s pretend your Chevrolet Avalanche replacement value is $4,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $3,000 after the deductible is paid. If you are paying more than $300 a year for full coverage, then it may be the right time to buy liability only.
There are some situations where removing full coverage is not in your best interest. If you still have a lienholder on your title, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not drop full coverage.
Safe drivers Denver pay cheaper rates
The example below illustrates how speeding tickets and at-fault collisions increase Chevrolet Avalanche car insurance rates for each age group. The rate quotes are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.
Discount Denver insurance quotes
Companies don’t necessarily list all their discounts in a way that’s easy to find, so we took the time to find a few of the more well known and also the lesser-known credits available to lower your premiums when you buy Denver car insurance online.
- Denver Homeowners Discount – Owning a house in Denver can save a few bucks because owning a home requires a higher level of personal finance.
- Telematics Data Discounts – Drivers who elect to allow their insurance company to look at vehicle usage by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if they have good driving habits.
- Multi-line Discount – Not all companies offer life insurance, but some may give you a small discount if you purchase life insurance from them.
- Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts may be able to save a few bucks off the PIP or medical payment premium.
- Distant Student Discount – Older children who are attending college without a vehicle on campus can receive lower rates.
One thing to note about discounts is that most discounts do not apply to the whole policy. Some only apply to specific coverage prices like liability and collision coverage. So when it seems like you can get free auto insurance, nobody gets a free ride.
Large insurance companies and their offered discounts can be read below.
- State Farm discounts include good driver, Steer Clear safe driver discount, anti-theft, Drive Safe & Save, and accident-free.
- GEICO policyholders can earn discounts including multi-policy, driver training, federal employee, military active duty, and defensive driver.
- Progressive offers premium reductions for online quote discount, continuous coverage, good student, multi-vehicle, multi-policy, online signing, and homeowner.
- 21st Century offers discounts including teen driver, student driver, 55 and older, good student, homeowners, driver training, and defensive driver.
- American Family may have discounts that include accident-free, defensive driver, multi-vehicle, Steer into Savings, good student, and early bird.
- The Hartford has discounts for bundle, driver training, air bag, defensive driver, vehicle fuel type, anti-theft, and good student.
- AAA includes discounts for good student, multi-policy, pay-in-full, anti-theft, good driver, and AAA membership discount.
Before purchasing a policy, check with each insurance company what discounts are available to you. Some of the discounts discussed earlier might not be available to policyholders in Denver. To find insurance companies that offer some of these discounts in Colorado, click here.
Learn How to Lower Your Insurance Prices
Many different elements are part of the calculation when you get a price on insurance. Most are fairly basic like your driving record, but other factors are not as apparent like where you live and annual miles driven.
The items below are some of the things utilized by car insurance companies to help set rates.
Battle of the sexes – Statistics show women tend to be less risk to insure than men. This data doesn’t prove that men are WORSE drivers than women. Males and females cause auto accidents in similar numbers, but men have accidents that have higher claims. Men also statistically receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Male drivers age 16 to 19 cause the most accidents and therefore are the most expensive to insure.
Your location is a factor – Having an address in small towns and rural areas has it’s advantages when buying car insurance. Less people means less chance of accidents. Residents of big cities have much more traffic and longer commute times. More time behind the wheel means a statistically higher chance of an accident.
Lower performance equals lower insurance rates – The performance level of the vehicle you drive makes a substantial difference in determining your rates. The best insurance prices are generally reserved for the lowest performance passenger vehicles, but your final cost has many other factors. Due to the fact that the Chevrolet Avalanche is a pickup/SUV, insurance will be a little bit more when compared to the average rates in Denver.
Drive less and save – The higher the miles on your Chevy in a year’s time the higher your rate. Most companies charge to insure your cars determined by how the vehicle is used. Cars and trucks that do not get driven very much can get a lower rate as compared to vehicles used primarily for driving to work. Double check that your policy reflects the right rating data. An incorrectly rated Avalanche may be costing you.
Liability coverage – The liability section of your policy is the coverage that protects you when a court rules you are at fault for physical damage or personal injury to other. Your policy’s liability insurance provides legal defense coverage which can cost a lot. Liability insurance is pretty cheap when compared with rates for comp and collision, so do not cut corners here.
Insurance is expensive for teen drivers – Older drivers are shown to be more cautious, are lower risk to insure, and get fewer tickets.Drivers with little experience have been known to be more careless when driving so car insurance rates are higher.
Insurance agent or online?
A lot of people prefer to sit down and talk to an agent and that is recommended in a lot of cases Good insurance agents can help you build your policy and give you someone to call. One of the great benefits of comparing rates online is that you can obtain cheap rate quotes and still have an agent to talk to.
To find an agent, once you fill out this simple form, your information is instantly submitted to local insurance agents in Denver who want to provide quotes for your car insurance coverage. It simplifies rate comparisons since you won’t have to leave your computer due to the fact that quote results will go straight to your inbox. If you want to compare rates from a particular provider, just search and find their rate quote page and complete a quote there.
Finding the right provider should depend on more than just a cheap price quote. The answers to these questions are important, too.
- How often do they review policy coverages?
- How much training do they have in personal risk management?
- Will the agent or a CSR service your policy?
- What insurance company do they write the most business with?
- What is the financial rating for the quoted company?
- Can they provide you with a list of referrals?
If you are searching for local Denver agents, it’s important to understand the types of agencies and how they are slightly different. Agencies in Denver can be classified as either exclusive or independent (non-exclusive). Either can insure your vehicles, but it’s worth learning the difference in the companies they write for since it may influence the type of agent you choose.
Exclusive Insurance Agencies
These agents can only provide one company’s prices such as American Family, State Farm, and AAA. Exclusive agencies are unable to compare rates from other companies so they have to upsell other benefits. Exclusive insurance agents are highly trained on what they offer which aids in selling service over price. Consumers sometimes purchase coverage from exclusives mainly due to the prominence of the brand rather than having the cheapest rates.
Shown below is a list of exclusive insurance agents in Denver willing to provide rate quotes.
- Tiffany Meidinger – State Farm Insurance Agent
1100 Acoma St – Denver, CO 80204 – (720) 508-8760 – View Map
- Jack Sunahara – State Farm Insurance Agent
3525 S Tamarac Dr #160 – Denver, CO 80237 – (303) 779-4848 – View Map
- American Family Insurance – Abbie Davis Tanner Agency Inc
2855 Speer Blvd Suite D – Denver, CO 80211 – (303) 333-0205 – View Map
Independent Agents (or Brokers)
Agents that elect to be independent are not limited to a single company and that is an advantage because they can write policies with an assortment of companies and find you the best rates. If your premiums go up, an independent agent can move your coverage which is easy for the insured.
When comparing car insurance rates, we recommend you include price quotes from independent agents to ensure the widest selection of prices. Most have the option of insuring with mutual insurance companies which could offer lower prices.
Shown below is a list of independent agencies in Denver that can give you comparison quotes.
- A Complete Home and Auto Insurance Agency
44 Cook St #100 – Denver, CO 80206 – (303) 650-0060 – View Map
- All Insurance Agency
67 Knox Ct – Denver, CO 80219 – (303) 935-3661 – View Map
- Premier Group Insurance
1777 W 38th Ave #102 – Denver, CO 80211 – (303) 477-0505 – View Map
Situations that may require an agent’s advice
Always remember that when buying proper insurance coverage for your vehicles, there really isn’t a “perfect” insurance plan. Your financial needs are unique.
For example, these questions may help you determine whether or not you would benefit from professional advice.
- Am I covered when driving a rental car?
- Is my camper covered for physical damage?
- Should I put collision coverage on all my vehicles?
- Can I afford to buy a different vehicle if my Chevy Avalanche is totaled?
- What discounts do I qualify for?
- Is there coverage for injuries to my pets?
- How much cheaper are high deductibles?
If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.
Cheap insurance rates are out there
Lower-priced insurance in Denver is definitely available from both online companies and from local insurance agents, and you should compare rates from both to have the best chance of lowering rates. Some companies may not offer rate quotes online and usually these small, regional companies prefer to sell through local independent agents.
We just showed you a lot of tips how to reduce Chevy Avalanche insurance car insurance rates online in Denver. The key concept to understand is the more providers you compare, the better your chances of lowering your premium rates. Drivers may even discover the best car insurance rates are with a company that doesn’t do a lot of advertising.
While you’re price shopping online, you should never buy poor coverage just to save money. Too many times, an accident victim reduced collision coverage only to find out that the savings was not a smart move. Your aim should be to purchase plenty of coverage at an affordable rate, but do not skimp to save money.
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- How Much are Auto Insurance Rates for Drivers with Bad Credit in Denver? (FAQ)
- State Car Insurance Guides (GEICO)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- Choosing a Car for Your Teen (State Farm)
- How to Avoid Common Accidents (State Farm)