It’s an obvious assumption that car insurance companies want to keep you from comparing rates. Insureds who compare price quotes will, in all likelihood, switch to a new company because they stand a good chance of finding a cheaper policy. A recent car insurance study revealed that drivers who made a habit of comparing rates saved on average $3,400 over four years compared to people who never shopped around for better prices.
If finding discount rates on car insurance in Tucson is why you’re reading this, then having some knowledge of the best ways to shop for car insurance can make it easier to shop your coverage around.
To save the most money, the best way to get affordable Chevy Avalanche insurance is to start comparing prices regularly from providers who sell auto insurance in Tucson. Prices can be compared by following these steps.
- Step 1: Learn about the coverage provided by your policy and the steps you can take to lower rates. Many policy risk factors that drive up the price such as at-fault accidents, careless driving, and a less-than-favorable credit history can be improved by making lifestyle changes or driving safer.
- Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like GEICO or Allstate, while independent agencies can quote rates for a wide range of companies.
- Step 3: Compare the price quotes to your existing coverage and see if there is a cheaper rate in Tucson. If you find better rates and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
The key thing to remember is to make sure you enter similar limits and deductibles on every price quote and and to get rates from as many companies as you can. Doing this guarantees an accurate price comparison and maximum price selection.
Locating the most cost-effective car insurance policy in Tucson can be much easier if you know how to start. If you have coverage now or just want cheaper coverage, you can follow these tips to get lower rates and still get good coverage. Vehicle owners only need an understanding of the fastest way to quote multiple rates from many different companies.
Insurance coverage details
The price information shown next showcases different insurance costs for Chevy Avalanche models. Learning how auto insurance prices are determined is important to be able to make informed decisions when comparing rate quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalanche LS 2WD | $126 | $208 | $360 | $22 | $108 | $824 | $69 |
| Avalanche LT 2WD | $126 | $246 | $360 | $22 | $108 | $862 | $72 |
| Avalanche LS 4WD | $126 | $246 | $360 | $22 | $108 | $862 | $72 |
| Avalanche LT 4WD | $126 | $246 | $360 | $22 | $108 | $862 | $72 |
| Avalanche LTZ 2WD | $140 | $246 | $360 | $22 | $108 | $876 | $73 |
| Avalanche LTZ 4WD | $140 | $246 | $360 | $22 | $108 | $876 | $73 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rate information does not factor in specific location information which can influence premium rates noticeably.
The information below illustrates how your deductible choice and can affect Chevy Avalanche insurance premiums for each age group. The price estimates are based on a married female driver, full coverage, and no other discounts are factored in.
Illustration showing the impact of accidents and violations
The information below shows how traffic citations and at-fault claims can drive up Chevy Avalanche insurance prices for each different age group. The rate quotes are based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.
Full coverage or liability only
The example below illustrates the comparison of Chevy Avalanche premium costs when comparing full coverage to liability only. The data is based on no claims or driving citations, $100 deductibles, single marital status, and no additional discounts are factored in.
When to buy liability coverage only
There isn’t a steadfast formula of when to drop comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.
For example, let’s say your Chevy Avalanche replacement cost is $6,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, you would only receive $5,000 after the deductible is paid. If you are paying in excess of $500 annually to have full coverage, then you may need to consider dropping full coverage.
There are some scenarios where dropping physical damage coverage is not a good idea. If you haven’t paid off your loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.
Smart Consumers Can Save Money
Lots of things are taken into consideration when pricing auto insurance. Some factors are common sense such as your driving record, but some are more transparent like where you live and annual miles driven.
Single drivers may get higher premiums – Having a significant other may cut your premiums when shopping for insurance. Marriage demonstrates that you tend to be more responsible and insurance companies like that being married results in fewer claims.
Age of drivers – Inexperience drivers are statistically proven to be inattentive and easily distracted when behind the wheel therefore insurance rates are much higher. Older, more experienced drivers are more responsible, are lower risk to insure, and get fewer tickets.
The next chart uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.
The type of car, truck or SUV you drive affects your costs – The type of car you need to insure makes a significant difference in how high your rates are. The lowest rates will normally be found when insuring lower performance four cylinder passenger cars, but many other things help determine your insurance rates.
The following chart assumes a single female driver age 40, full coverage with $1000 deductibles, and no discounts or violations. It illustrates Chevrolet Avalanche policy rates compared to other makes and models that have a range of performances.
Prevent your car from being stolen – Buying a car with a theft deterrent system can get you a discount on your insurance. Anti-theft devices like OnStar, LoJack tracking, and tamper alarms all help prevent car theft and help bring rates down.
Cheaper to insure women? – Statistics show women tend to be less risk to insure than men. This data doesn’t prove that men are WORSE drivers than women. Women and men are responsible for at-fault accidents in similar percentages, but the men tend to have more serious accidents. In addition to higher claims, males also get ticketed for serious violations like DWI (DUI) or reckless driving.
The example below shows the comparison of Chevy Avalanche insurance prices for male and female drivers. Data assumes no claims, a clean driving record, full coverage, $250 deductibles, single status, and no policy discounts are applied.
Best auto insurance company in Arizona
Buying coverage from a high-quality car insurance company can be rather challenging considering how many different companies there are to choose from in Tucson. The ranking information in the lists below could help you pick which companies to look at when comparing rate quotes.
Top 10 Tucson Car Insurance Companies Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
Top 10 Tucson Car Insurance Companies Overall
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Be persistent and save
When getting Tucson auto insurance quotes online, do not reduce needed coverages to save money. There have been many situations where consumers will sacrifice physical damage coverage to discover at claim time that they should have had better coverage. Your aim should be to get the best coverage possible at a price you can afford and still be able to protect your assets.
Lower-priced Chevy Avalanche insurance in Tucson is possible online as well as from insurance agents, so you need to shop Tucson auto insurance with both to have the best chance of lowering rates. Some auto insurance companies don’t offer online price quotes and most of the time these regional insurance providers prefer to sell through independent insurance agents.
More detailed auto insurance information is located by following these links:
- What Does No-Fault Insurance Cover? (Allstate)
- Who Has Affordable Auto Insurance Quotes for a Honda Accord in Tucson? (FAQ)
- How Much is Auto Insurance for Handicapped Drivers in Tucson? (FAQ)
- Where can I buy Insurance? (Insurance Information Institute)
- Safety Features for Your New Car (State Farm)