If you want to save the most money, the best way to get the cheapest Chevy Avalanche insurance is to regularly compare price quotes from insurers in Lincoln.
- First, learn about how insurance works and the things you can control to prevent expensive coverage. Many risk factors that cause high rates such as distracted driving and an unacceptable credit score can be eliminated by making minor changes to your lifestyle. Keep reading for more ideas to help prevent expensive coverage and find missing discounts.
- Second, request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from one company like Progressive and State Farm, while independent agents can provide price quotes from multiple insurance companies.
- Third, compare the quotes to your existing policy and see if you can save money. If you find a better price and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
A good tip to remember is that you’ll want to compare the same deductibles and limits on each quote request and and to look at as many auto insurance providers as possible. Doing this enables a level playing field and a complete price analysis.
We don’t have to point out that fact that auto insurance companies don’t want you quoting rates from other companies. Consumers who rate shop once a year are likely to switch to a new company because there is a good chance of finding coverage at a more affordable price. A study showed that consumers who regularly compared price quotes saved as much as $72 a month compared to drivers who never shopped around for lower prices.
If finding the best rates on Chevy Avalanche insurance is your ultimate objective, then learning a little about how to get price quotes and compare coverages can make it easier for you to save money.
Learn How to Find Car Insurance at a Discount
Many different elements are part of the equation when pricing auto insurance. Some are pretty understandable such as your driving history, but others are more transparent such as your marital status or how financially stable you are.
Listed below are some of the major factors companies use to determine premiums.
Small claims can cost you – If you frequently file small claims, don’t be surprised to see much higher rates or policy non-renewal. Insurance companies in Nebraska give most affordable rates to people who do not rely on their insurance for small claims. Your insurance policy is intended for claims that pose a financial burden.
Do you qualify for a multi-policy discount? – Many car insurance companies provide better rates to policyholders that buy multiple policies in the form of a multi-policy discount. If you currently are using one company, you still need to comparison shop to help guarantee you have the best rates.
Discounts for married drivers – Getting married can get you a discount on your policy. Having a spouse usually means you are more mature and it’s statistically proven that being married results in fewer claims.
Proper usage rating affects premiums – Driving a lot of miles annually the higher the price you pay to insure it. Most insurance companies price each vehicle’s coverage based upon how you use the vehicle. Cars that sit idle most of the time can be on a lower rate level than vehicles that are driven to work every day. A policy that improperly rates your Avalanche can cost quite a bit. It’s a good idea to make sure your declarations sheet is showing the correct usage.
Increase coverage deductibles to save – Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Examples of covered claims would be a dented fender, collision with an animal, and having your car stolen. Comp and collision deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The larger the amount you pay before a claim is paid (deductible), the less money you will pay for car insurance.
Chevy Avalanche coverage statistics
The premium table shown next highlights detailed analysis of insurance rates for Chevy Avalanche models. Learning how policy premiums are established is important to be able to make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalanche LS 2WD | $124 | $204 | $352 | $20 | $106 | $806 | $67 |
| Avalanche LT 2WD | $124 | $240 | $352 | $20 | $106 | $842 | $70 |
| Avalanche LS 4WD | $124 | $240 | $352 | $20 | $106 | $842 | $70 |
| Avalanche LT 4WD | $124 | $240 | $352 | $20 | $106 | $842 | $70 |
| Avalanche LTZ 2WD | $138 | $240 | $352 | $20 | $106 | $856 | $71 |
| Avalanche LTZ 4WD | $138 | $240 | $352 | $20 | $106 | $856 | $71 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Estimates do not factor in specific location information which can lower or raise insurance rates significantly.
Choosing deductibles
One common question asked by Lincoln drivers is what deductibles to buy. The figures shown below approximate how much more rates are when you select higher and lower insurance deductibles. The first set of rates uses a $250 deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalanche LS 2WD | $262 | $390 | $374 | $22 | $112 | $1,185 | $99 |
| Avalanche LT 2WD | $262 | $460 | $374 | $22 | $112 | $1,255 | $105 |
| Avalanche LS 4WD | $262 | $460 | $374 | $22 | $112 | $1,255 | $105 |
| Avalanche LT 4WD | $262 | $460 | $374 | $22 | $112 | $1,255 | $105 |
| Avalanche LTZ 2WD | $292 | $460 | $374 | $22 | $112 | $1,285 | $107 |
| Avalanche LTZ 4WD | $292 | $460 | $374 | $22 | $112 | $1,285 | $107 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalanche LS 2WD | $162 | $246 | $374 | $22 | $112 | $916 | $76 |
| Avalanche LT 2WD | $162 | $290 | $374 | $22 | $112 | $960 | $80 |
| Avalanche LS 4WD | $162 | $290 | $374 | $22 | $112 | $960 | $80 |
| Avalanche LT 4WD | $162 | $290 | $374 | $22 | $112 | $960 | $80 |
| Avalanche LTZ 2WD | $180 | $290 | $374 | $22 | $112 | $978 | $82 |
| Avalanche LTZ 4WD | $180 | $290 | $374 | $22 | $112 | $978 | $82 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Premium costs do not factor in specific zip code location which can alter prices significantly.
Using the data above, we can ascertain that using a $250 deductible will cost you approximately $25 more each month or $300 each year averaged for all Avalanche models than requesting the higher $1,000 deductible. Since you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 30 months between claim filings, you would save money if you decide on a higher deductible.
The illustration below shows how choosing a deductible and can affect Chevy Avalanche annual premium costs for each different age category. The data assumes a single female driver, full physical damage coverage, and no discounts are applied to the premium.
Insurance rate increases from tickets or accidents
The illustration below illustrates how violations and at-fault collisions increase Chevy Avalanche annual premium costs for different age categories. The information is based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.
Cheaper Chevy Avalanche insurance in Lincoln
Buying auto insurance is not cheap, but there are discounts available that can help lower your rates. Some discounts apply automatically when you quote, but some must be manually applied prior to receiving the credit.
- Save over 55 – If you’re over the age of 55, you can get better auto insurance rates.
- Safe Driver Discount – Insureds who avoid accidents may receive a discount up to 45% than drivers with accident claims.
- Resident Student – Any of your kids who are enrolled in a college that is more than 100 miles from Lincoln and do not have a car could qualify for this discount.
- Discount for Life Insurance – Larger insurance carriers have a discounted price on car insurance if you buy auto and life insurance together.
- Homeowners Savings – Owning your own home or condo may earn you a small savings because maintaining a house means you have a higher level of financial diligence.
- Employee of Federal Government – Active or retired federal employment could qualify for a slight premium decrease depending on your auto insurance provider.
- Student Driver Training – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in school or through a local driver safety program.
- Accident Free – Claim-free drivers pay much less when compared to accident-prone drivers.
A little note about advertised discounts, most discount credits are not given to the entire cost. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, you’re out of luck.
The information below shows the comparison of Chevy Avalanche insurance costs with and without discounts applied. Data assumes a female driver, a clean driving record, no at-fault accidents, Nebraska state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, homeowner, claim-free, safe-driver, and multi-policy discounts applied.
Popular auto insurance companies and their offered discounts can be read below.
- GEICO policyholders can earn discounts including five-year accident-free, air bags, multi-policy, multi-vehicle, membership and employees, and federal employee.
- MetLife may include discounts for good student, good driver, defensive driver, multi-policy, claim-free, accident-free
- Progressive discounts include continuous coverage, multi-policy, online signing, online quote discount, and good student.
- Travelers offers discounts including driver training, student away at school, home ownership, save driver, and IntelliDrive.
- SAFECO offers premium reductions for safe driver, drive less, teen safe driver, homeowner, multi-car, bundle discounts, and teen safety rewards.
- AAA offers discounts for pay-in-full, AAA membership discount, good driver, multi-policy, and good student.
Before purchasing a policy, check with every prospective company which discounts they offer. A few discounts may not apply to policyholders in Lincoln. To choose auto insurance companies with the best discounts in Lincoln, click this link.
Smart consumers save more
Some companies may not have the ability to get quotes online and most of the time these regional carriers only sell through independent insurance agencies. Budget-friendly car insurance in Lincoln is definitely available online and with local Lincoln insurance agents, so compare prices from both in order to have the best chance of saving money.
We just showed you some good ideas how to get a better price on Chevy Avalanche insurance in Lincoln. The key concept to understand is the more price quotes you have, the higher your chance of finding low cost Lincoln auto insurance quotes. Consumers may even find the biggest savings come from a lesser-known regional company.
When buying insurance coverage, it’s a bad idea to reduce coverage to reduce premium. In many instances, drivers have reduced comprehensive coverage or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.
Other articles
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)
- Who Has Affordable Car Insurance for Lyft Drivers in Lincoln? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes with Multiple Speeding Tickets in Lincoln? (FAQ)
- Who Has Cheap Lincoln Auto Insurance Quotes for Veterans? (FAQ)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Insurance Losses by Make and Model (iihs.org)
- Shopping for a Safe Car (Insurance Information Institute)
- Safety Features for Your New Car (State Farm)