Searching for low-cost insurance for a Chevy Avalanche in Colorado can be difficult, but you can use the following methods to make it easier. There is a better way to shop for insurance so we’re going to tell you the quickest way to compare rates on a Chevy and get the best price possible from Aurora insurance agents and online providers.
Amazingly, almost 70% of insureds in Colorado kept buying from the same company for over three years, and approximately 38% of consumers have never compared rates from other carriers. American drivers can cut their rates by approximately 47% a year, but most undervalue the rate savings if they changed companies.
Best companies for Chevy Avalanche insurance
The following companies provide comparison quotes in Aurora, CO. To locate cheap car insurance in Aurora, we suggest you compare several of them to get a more complete price comparison.
Chevy Avalanche coverage statistics
The coverage table displayed below covers detailed analysis of insurance policy prices for Chevy Avalanche models. Understanding how insurance policy rates are determined is important for you to make informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalanche LS 2WD | $162 | $282 | $496 | $30 | $148 | $1,118 | $93 |
| Avalanche LT 2WD | $162 | $332 | $496 | $30 | $148 | $1,168 | $97 |
| Avalanche LS 4WD | $162 | $332 | $496 | $30 | $148 | $1,168 | $97 |
| Avalanche LT 4WD | $162 | $332 | $496 | $30 | $148 | $1,168 | $97 |
| Avalanche LTZ 2WD | $182 | $332 | $496 | $30 | $148 | $1,188 | $99 |
| Avalanche LTZ 4WD | $182 | $332 | $496 | $30 | $148 | $1,188 | $99 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Rate information does not factor in Aurora location which can decrease or increase auto insurance rates significantly.
Rate comparison for different deductibles
One of the most common car insurance questions is which deductibles should you choose. The following tables may help to illustrate the rate fluctuation of buying low and high policy deductibles. The first rate table uses a $100 comprehensive and collision deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalanche LS 2WD | $342 | $546 | $440 | $26 | $132 | $1,511 | $126 |
| Avalanche LT 2WD | $342 | $644 | $440 | $26 | $132 | $1,609 | $134 |
| Avalanche LS 4WD | $342 | $644 | $440 | $26 | $132 | $1,609 | $134 |
| Avalanche LT 4WD | $342 | $644 | $440 | $26 | $132 | $1,609 | $134 |
| Avalanche LTZ 2WD | $380 | $644 | $440 | $26 | $132 | $1,647 | $137 |
| Avalanche LTZ 4WD | $380 | $644 | $440 | $26 | $132 | $1,647 | $137 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalanche LS 2WD | $250 | $368 | $440 | $26 | $132 | $1,216 | $101 |
| Avalanche LT 2WD | $250 | $434 | $440 | $26 | $132 | $1,282 | $107 |
| Avalanche LS 4WD | $250 | $434 | $440 | $26 | $132 | $1,282 | $107 |
| Avalanche LT 4WD | $250 | $434 | $440 | $26 | $132 | $1,282 | $107 |
| Avalanche LTZ 2WD | $278 | $434 | $440 | $26 | $132 | $1,310 | $109 |
| Avalanche LTZ 4WD | $278 | $434 | $440 | $26 | $132 | $1,310 | $109 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Table data does not factor in specific Aurora garaging location which can change rates noticeably.
We can estimate from the data above that using a $100 deductible costs roughly $27 more each month or $324 annually averaged for all Avalanche models than buying the higher $500 deductible. Since you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 15 months between claim filings, you would probably come out ahead if you choose a higher deductible.
Safe drivers Aurora pay cheaper rates
The illustration below demonstrates how citations and at-fault fender-benders can raise Chevy Avalanche insurance rates for different insured age categories. The premiums are based on a single female driver, comp and collision included, $100 deductibles, and no policy discounts are applied.
Cost difference between full coverage and liability
The chart below shows the comparison of Chevy Avalanche insurance costs with full coverage and liability only. The price estimates are based on no accidents or driving violations, $100 deductibles, drivers are single, and no discounts are taken into consideration.
Should you buy full coverage or liability only?
There is no definitive guideline for dropping physical damage coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is more than 10% of replacement cost minus your deductible, then it might be time to consider dropping full coverage.
For example, let’s say your Chevy Avalanche replacement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $4,000 after paying the physical damage deductible. If premium cost is more than $400 annually to have full coverage, then you may need to consider dropping full coverage.
There are some conditions where dropping full coverage is not advised. If you still have a lienholder on your title, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not opt for liability only.
Lower Your Aurora Insurance Costs
A large part of saving on auto insurance is knowing some of the factors that play a part in calculating the price you pay for auto insurance. If you understand what controls the rates you pay, this enables you to make decisions that can help you get cheaper rates. Many things are considered when you get a price on insurance. Most are fairly basic such as your driving record, although some other factors are not as apparent like your continuous coverage or how safe your car is.
The following are some of the major factors auto insurance companies consider when setting your premiums.
Younger drivers pay higher prices – Youthful drivers in Colorado are statistically proven to get distracted easily when driving with friends so they pay higher auto insurance rates. Older drivers have been proven to be more responsible, statistically cause fewer accidents, and get fewer tickets.
The following chart is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.
Premiums and employer – Did you know your auto insurance rates can be affected by your occupation? Occupations such as military generals, business owners, and medical professionals tend to have higher premium rates in part from job stress and long work hours. Conversely, occupations such as professors, historians and the unemployed pay the least.
Eliminate extra policy coverages – Insurance companies have many additional coverages that you can get tricked into buying if you aren’t careful. Coverages like personal injury protection, death and dismemberment, and Farm Bureau memberships could be just wasting money. These may sound like a good investment when buying your policy, but now you might not need them so get rid of them and save.
The type of car makes a difference – The performance level of the vehicle you need to insure makes a significant difference in how high your rates are. The cheapest rates are for economy passenger cars, but the cost you end up paying is determined by many additional factors.
The chart below is based on a single female driver age 40, full coverage with $100 deductibles, and no discounts or violations. It compares Chevrolet Avalanche insurance premiums compared to other models that have a range of performance risks.
Marriage can lower prices – Having a wife or husband can actually save you money on auto insurance. It translates into being more responsible and it’s statistically proven that being married results in fewer claims.
City dwellers may pay more – Being located in small towns and rural areas has it’s advantages when shopping for auto insurance. People in densely populated areas have more aggressive driving styles and longer commutes to work. Fewer drivers means reduced accidents as well as less vandalism and auto theft.
Responsible credit scores equal low premiums – Having a bad credit score will be a significant factor in determining what you pay. Insureds with very high credit ratings tend to be more responsible and file fewer claims than drivers who have lower credit scores. If your credit history can use some improvement, you may save money insuring your Chevrolet Avalanche by taking the time to improve your credit score.
Save money with alarms and GPS tracking – Driving a car with anti-theft technology or alarm system can help lower your rates. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop car theft and help bring rates down.
Discounts for lower-cost car insurance quotes
Auto insurance companies don’t always advertise the complete list of policy discounts in a way that’s easy to find, so the next list breaks down some of the more common and also the more inconspicuous discounts that you can inquire about if you buy Aurora auto insurance online.
- Accident Waiver – Not really a discount, but some insurance companies will turn a blind eye to one accident before they charge you more for coverage if your claims history is clear for a set time period.
- Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices help deter theft and that can save you a little bit as well.
- Early Payment Discounts – If you can afford to pay the entire bill rather than paying in monthly installments you can avoid the installment charge.
- Memberships – Having an affiliation with certain professional organizations is a good way to get lower rates when getting a Aurora auto insurance quote.
- Active Military Service – Being on active duty in the military could mean lower premium rates.
- ABS Brakes – Cars, trucks, and SUVs with ABS and/or traction control can avoid accidents so companies give up to a 10% discount.
- Drive Safe and Save – Accident-free drivers can save as much as half off their rates than less cautious drivers.
- Defensive Driver Discounts – Taking a course in driver safety can save you 5% or more and also improve your driving technique.
As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, it’s just not the way it works.
The chart below compares Chevy Avalanche auto insurance costs with and without policy discounts. The premium estimates are based on a female driver, no claims, a clean driving record, Colorado state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, multi-car, marriage, and homeowner discounts applied.
Companies that may offer quotes with these benefits are:
Before you buy a policy, ask each insurance company which discounts they offer. All car insurance discounts may not be available in your state. If you would like to see a list of insurers that offer discounts in Colorado, click this link.
Buying from auto insurance agents
A small number of people prefer to get advice from a local agent and there is nothing wrong with that. Experienced insurance agents are trained to spot inefficiencies and help you file claims. One of the benefits of comparing rates online is that you can find the best rates and still choose a local agent.
Once you complete this form (opens in new window), the coverage information is emailed to participating agents in Aurora that can give you free Aurora auto insurance quotes for your car insurance coverage. You don’t have to contact any insurance agencies since price quotes are sent to your email. If you wish to compare rates from a particular provider, you can always jump over to their website and fill out their quote form.
Finding a good provider needs to be determined by more than just a cheap quote. These are some questions you should get answers to.
- Does the company use OEM repair parts?
- Does the quote include credit and driving reports?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- What insurance companies do they work with in Aurora?
- Does the agency have a positive business rating?
- Is their price quote a firm figure or are their hidden costs?
If you want to use a reliable insurance agency, it can be helpful to understand the different types of agents that you can choose from. Car insurance policy providers are classified as either independent (non-exclusive) or exclusive. Both insure your vehicles properly, but it’s a good idea to understand the difference in how they write coverage since it could factor into the type of agent you choose.
Exclusive Car Insurance Agencies
These agents can only place business with one company and examples are Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents are unable to place coverage with different providers so you might not find the best rates. Exclusive agents are trained well on their company’s products and that enables them to sell even at higher rates. Some insured continue to choose to use a exclusive agent mostly because of the brand and the convenience of having all coverages with one company.
Shown below is a list of exclusive agents in Aurora willing to provide price quote information.
- Wayne Johnson – State Farm Insurance Agent
12201 E Mississippi Ave #105 – Aurora, CO 80012 – (303) 695-6262 – View Map - American Family Insurance – Rick Laikola Agency Inc.
3102 S Parker Rd Ste A16 – Aurora, CO 80014 – (303) 696-2666 – View Map - Lawrence Neal – State Farm Insurance Agent
15037 E Colfax Ave k – Aurora, CO 80011 – (303) 340-8849 – View Map
Independent Insurance Agents
Agents that choose to be independent are normally appointed by many insurers so they have the ability to put coverage through many different car insurance companies and get you the best rates possible. If you want to switch companies, your agent can switch companies which is easy for the insured. If you are trying to find cheaper rates, you absolutely need to include rate quotes from independent agents to get the best comparison. Many write coverage with smaller regional carriers who may have lower rates.
Listed below is a list of independent insurance agencies in Aurora willing to provide comparison quotes.
- Premier Insurance
2241 S Peoria St # 202 – Aurora, CO 80014 – (303) 337-3600 – View Map - BUD JUDY AGENCY, INC. (INDEPENDENT INSURANCE AGENCY)
2222 S Fraser St Unit 4 – Aurora, CO 80014 – (303) 368-5839 – View Map - All Drivers Insurance
12142 E Mississippi Ave – Aurora, CO 80012 – (303) 695-1000 – View Map
Once you have reasonable responses to all your questions as well as a price you’re happy with, you may have just found a car insurance agent that will adequately provide car insurance. Just be aware that once you purchase a policy you can terminate your policy at any time so never assume that you are obligated to any specific agency for a certain time period.
Compare but don’t skimp
When getting Aurora auto insurance quotes online, make sure you don’t skimp on coverage in order to save money. In many cases, consumers will sacrifice comprehensive coverage or liability limits and found out when filing a claim that the savings was not a smart move. Your goal is to find the BEST coverage at the best cost while still protecting your assets.
More affordable auto insurance in Aurora is possible both online in addition to local insurance agencies, and you should compare rates from both to get a complete price analysis. Some insurance providers may not have online quoting and many times these regional insurance providers sell through independent agencies.
Drivers switch companies for a number of reasons such as unfair underwriting practices, questionable increases in premium, denial of a claim or even an unsatisfactory settlement offer. Whatever your reason, choosing a new insurance company can be pretty painless.
How to find more affordable Chevy Avalanche insurance in Aurora
If saving the most money is your goal, then the best way to get affordable auto insurance rates is to annually compare prices from insurance carriers in Aurora.
- Step 1: Spend some time learning about car insurance and the measures you can take to lower rates. Many things that increase rates like at-fault accidents, careless driving, and a negative credit score can be improved by making minor changes in your lifestyle.
- Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only provide price estimates from a single company like Progressive or Allstate, while independent agents can provide rate quotes from multiple insurance companies.
- Step 3: Compare the quotes to the premium of your current policy to see if cheaper Avalanche coverage is available. If you can save money, ensure there is no coverage lapse between policies.
- Step 4: Give notification to your agent or company to cancel your current car insurance policy. Submit a completed policy application and payment for your new coverage. Be sure to store the certificate of insurance in your vehicle.
A crucial key to this process is to compare identical limits and deductibles on every quote and and to compare as many auto insurance providers as possible. This helps ensure a level playing field and the best price selection.
Helpful information
- Anti-Lock Brake FAQ (iihs.org)
- Who Has the Cheapest Aurora Auto Insurance for Immigrants? (FAQ)
- What is the Cheapest Car Insurance in Aurora, Colorado? (FAQ)
- How Much is Aurora Auto Insurance for Uninsured Drivers? (FAQ)
- Get the Right Protection (InsureUonline.org)
- Distracted Driving (Insurance Information Institute)
- Auto Insurance Basics (Insurance Information Institute)
- Collision Coverage (Liberty Mutual)