Smart shoppers know that auto insurance companies don't want you to look for cheaper rates. Insureds who do rate comparisons are inclined to buy a new policy because of the high probability of finding a cheaper policy. A recent survey found that consumers who make a habit of shopping around saved an average of $3,500 over four years as compared to drivers who never compared other company's rates.
If saving the most money on Chevy Avalanche insurance is your objective, knowing how to get price quotes and compare insurance premiums can save time and money.
To save the most money, the best way to get affordable car insurance rates in Columbus is to do a yearly price comparison from insurers who sell auto insurance in Ohio. You can compare rates by following these guidelines.
Step 1: Learn about how insurance companies determine prices and the factors you can control to prevent high rates. Many factors that result in higher rates such as traffic violations, accidents, and poor credit history can be controlled by being financially responsible and driving safely. Later in this article we will cover additional tips to prevent rate hikes and find additional discounts.
Step 2: Quote rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive or State Farm, while agents who are independent can provide rate quotes from many different companies. Select a company
Step 3: Compare the new rate quotes to your existing rates to see if a cheaper rate is available. If you find a lower rate quote, verify that coverage does not lapse between policies.
A valuable tip to remember is that you use identical limits and deductibles on each quote and and to analyze as many auto insurance providers as possible. This ensures an apples-to-apples comparison and the best price quote selection.
The method we recommend to get policy rate comparisons for Chevy Avalanche insurance in Columbus is to know all the major auto insurance companies pay for the opportunity to give free rates quotes. The one thing you need to do is provide information like deductibles desired, the make and model of your vehicles, your education level, and what your job is. Your details is instantly provided to all major companies and they return rate quotes with very little delay.
To find the cheapest Chevy Avalanche insurance rates, click here and enter your coverage details.
The following companies can provide free quotes in Ohio. If more than one company is shown, we suggest you get rates from several of them to get a more complete price comparison.
Auto insurance discounts are available to cut your rates
Insuring your fleet can be pricey, but you may be missing some discounts to cut the cost considerably. Certain discounts will be applied at the time of purchase, but some discounts are required to be asked for before they will apply.
- Senior Citizens - Older drivers may be able to get reduced rates.
- Own a Home - Simply owning a home can save you money because it means you have a higher level of financial diligence.
- Telematics Devices - Policyholders that allow data collection to analyze their driving habits by installing a telematics device such as Allstate's Drivewise and State Farm's In-Drive system could save a few bucks as long as the data is positive.
- Discount for Low Mileage - Low annual miles may allow you to get lower rates due to less chance of an accident.
- Defensive Driver Discounts - Taking time to complete a driver safety course could possibly earn you a 5% discount and make you a better driver.
- New Vehicle Savings - Buying auto insurance coverage on a new vehicle is cheaper because new vehicles are generally safer.
- No Claim Discounts - Drivers who don't have accidents get the best auto insurance rates in comparison to bad drivers.
- Good Grades Discount - Excelling in school can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
- Sign Online - A few insurance companies give back up to $50 get Columbus auto insurance on their website.
While discounts sound great, it's important to understand that most credits do not apply to all coverage premiums. Most cut specific coverage prices like comp or med pay. So when the math indicates you could get a free auto insurance policy, nobody gets a free ride.
The chart below shows the comparison of Chevy Avalanche insurance costs with and without discounts applied to the policy rates. The premiums are based on a female driver, no claims or driving citations, Ohio state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, multi-car, homeowner, claim-free, and marriage discounts applied.
To choose providers that provide some of the discounts listed above in Ohio, click here.
Premium rates and analysis
The data table displayed below outlines estimates of insurance rates for Chevy Avalanche models. Having a good understanding how policy premiums are determined is important for you to make smart choices when selecting a policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Avalanche LS 2WD||$154||$252||$272||$16||$82||$776||$65|
|Avalanche LT 2WD||$154||$296||$272||$16||$82||$820||$68|
|Avalanche LS 4WD||$154||$296||$272||$16||$82||$820||$68|
|Avalanche LT 4WD||$154||$296||$272||$16||$82||$820||$68|
|Avalanche LTZ 2WD||$172||$296||$272||$16||$82||$838||$70|
|Avalanche LTZ 4WD||$172||$296||$272||$16||$82||$838||$70|
|Get Your Own Custom Quote Go|
Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Prices do not factor in your specific Columbus location which can change coverage prices noticeably.
Chevrolet Avalanche full coverage rates compared to liability only
The example below illustrates the difference between Chevy Avalanche insurance costs when comparing full coverage to state minimum liability only. Data assumes no claims, a clean driving record, $100 deductibles, single status, and no discounts are applied.
Are you wasting money on full coverage?
There is no definitive formula for phasing out full coverage, but there is a guideline you can consider. If the yearly cost of full coverage is more than around 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.
For example, let's say your Chevy Avalanche replacement value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $2,000 after paying your deductible. If premium cost is more than $200 annually to have full coverage, then you may need to consider dropping full coverage.
There are some conditions where dropping full coverage is not financially feasible. If you haven't satisfied your loan, you have to carry full coverage to satisfy the loan requirements. Also, if you can't afford to buy a different vehicle if your current one is totaled, you should not eliminate full coverage.
When should I have guidance from an insurance agency?
Certain consumers still like to talk to an insurance agent and that is recommended in a lot of cases One of the great benefits of getting free rate quotes online is you may find better rates and still buy from a local agent.
To help locate an agent, after submitting this simple form, the quote information is sent to local insurance agents who will give you bids and help you find cheaper coverage. You never need to do any legwork due to the fact that quote results will go directly to you. Get lower rates and a licensed agent to talk to. If you have a need to quote rates from a specific auto insurance provider, you would need to go to their quote page and fill out the quote form the provide.
Selecting an insurance company needs to be determined by more than just a low price. Get answers to these questions too.
- Are they actively involved in the community?
- Is every driver in your family covered?
- Do you qualify for any additional discounts?
- What is the financial rating for the quoted company?
- Is their price quote a firm figure or are their hidden costs?
If you are wanting to find a reputable agency, there are two different agency structures and how they can write your policy. Insurance agencies in Columbus may be either exclusive or independent.
Exclusive agents can usually just insure with one company such as Farmers Insurance and State Farm. Exclusive agencies are unable to provide rate quotes from other companies so keep that in mind. Exclusive agencies are well schooled on what they offer which helps them compete with independent agents.
Below is a list of exclusive agents in Columbus who may provide you with price quotes.
Independent Agents (or Brokers)
Agents that elect to be independent are not employed by one company so they can write business with an assortment of companies enabling the ability to shop coverage around. To move your coverage to a new company, they simply switch companies in-house which makes it simple for you.
If you are comparing rate quotes, we highly recommend that you check rates from several independent agencies in order to have the best price comparison.
Below is a list of independent insurance agents in Columbus willing to provide rate quotes.
Upon getting satisfactory answers for all questions you ask in addition to an acceptable price estimate, you have narrowed it down to a car insurance agent that meets the criteria to properly service your auto insurance policy.
How much auto insurance do I need?
Always remember that when buying a policy for your personal vehicles, there really is not a cookie cutter policy. Everyone's situation is a little different.
These are some specific questions might help in determining whether you may require specific advice.
- Why is insurance for a teen driver so high in Columbus?
- How much underlying liability do I need for an umbrella policy?
- Does coverage follow the driver or the vehicle?
- What is UM/UIM insurance?
- How much will a speeding ticket raise my rates?
- Am I covered if I drive in a foreign country?
- Is my nanny covered when driving my vehicle?
If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don't have a local agent, fill out this quick form.
Informed Consumers Can Cut Their Insurance Costs
When buying car insurance it's important to understand some of the elements that go into determining your policy premiums. If you have some idea of what impacts premium levels, this enables you to make decisions that will entitle you to lower rates. Lots of factors are considered when you quote your car insurance policy. Some are obvious like a motor vehicle report, although some other factors are less obvious such as your marital status or your financial responsibility.
- Use but don't abuse your insurance - If you are the type of insured that files lots of claims you shouldn't be surprised to get either higher rates or even cancellation. Companies in Ohio give the best rates to people that do not abuse their auto insurance. Insurance coverage is meant to be used in the event of the large, substantial claims.
- Better credit means lower prices - An insured's credit rating can be an important factor in your rate calculation. So if your credit can be improved, you may save money insuring your Chevrolet Avalanche by taking the time to improve your credit score. Drivers who have high credit scores tend to be less risk to insure as compared to drivers with lower ratings.
Rates increase with driving citations - Your driving record impacts your car insurance rates tremendously. Good drivers have lower premiums than bad drivers. Even one citation could increase your next policy renewal by as much as thirty percent. Drivers with license-revoking violations like DUI, reckless driving or excessive speeding are required to prove financial responsibility with the DMV in their state in order to drive a vehicle legally.
The example below demonstrates how citations and at-fault fender-benders can increase Chevy Avalanche car insurance rates for each different age group. The premiums assume a married female driver, full coverage, $500 deductibles, and no policy discounts are applied.
Performance makes a difference - The performance of the vehicle you own makes a big difference in your car insurance bill. The cheapest insurance rates tend to be for the lowest performance passenger vehicles, but other factors influence the final cost greatly.
The chart below uses these assumptions: single female driver age 20, full coverage with $1000 deductibles, and no discounts or violations. It compares Chevrolet Avalanche rates compared to other vehicles that have a range of risk factors.
Battle of the sexes - The statistics show women are more cautious behind the wheel. It does not mean males are worse at driving than females. Men and women cause auto accidents in similar percentages, but the males tend to have more serious accidents. Men also tend to get cited for more serious violations like DWI (DUI) or reckless driving.
The chart below shows the difference between Chevy Avalanche auto insurance costs for male and female drivers. The information is based on a clean driving record, no at-fault accidents, full coverage, $1,000 deductibles, drivers are not married, and no policy discounts are applied.
Auto insurance does more than just protect your car
Despite the high cost of buying insurance for a Chevy Avalanche in Columbus, insurance is not optional due to several reasons.
- Most states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a minimum amount of liability insurance coverage if you want to drive legally. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a lien on your Chevy Avalanche, almost every bank will stipulate that you have comprehensive coverage to protect their interest in the vehicle. If you default on your policy, the bank will be required to insure your Chevy for a much higher rate and force you to pay a much higher amount than you were paying before.
- Auto insurance protects both your car and your personal assets. It also can pay for medical expenses that are the result of an accident. Liability coverage, the one required by state law, will also pay attorney fees if you are sued as the result of your driving. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.
The benefits of carrying enough insurance are without a doubt worth the cost, especially for larger claims. The average driver in America is wasting up to $855 a year so shop around each time the policy renews to save money.
Find cheaper insurance rates by comparing often
We just covered many ways to shop for Chevy Avalanche insurance online. It's most important to understand that the more price quotes you have, the higher your chance of finding cheaper Columbus auto insurance quotes. Consumers may even find the most savings is with the smaller companies.
While you're price shopping online, never skimp on coverage in order to save money. There are too many instances where consumers will sacrifice full coverage to discover at claim time that the few dollars in savings costed them thousands. Your strategy should be to get the best coverage possible at the best possible price, but don't skip important coverages to save money.
The cheapest Chevy Avalanche insurance in Columbus is possible both online and with local Columbus insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies may not offer online quoting and these smaller providers only sell coverage through local independent agents.
Additional detailed information can be read in the articles below:
- Frontal Crash Tests (iihs.org)
- Who Has Cheap Columbus Auto Insurance Rates After a Speeding Ticket? (FAQ)
- Who Has Affordable Car Insurance Quotes for Police Officers in Columbus? (FAQ)
- Who Has Affordable Car Insurance Rates for Drivers Over Age 50 in Columbus? (FAQ)
- How Much is Columbus Auto Insurance for a Hyundai Elantra? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for a Toyota Corolla in Columbus? (FAQ)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Auto Crash Statistics (Insurance Information Institute)
- How to shop for a safer car (Insurance Institute for Highway Safety)