Want to learn the secrets to finding more competitive Chevy Avalanche insurance in Atlanta? Finding better insurance prices for a Chevy Avalanche in Georgia can normally be a lot of work, but you can follow these tips and make it easy.
There is a right way and a wrong way to buy auto insurance and we’ll show you the proper way to get price quotes for a Chevy and get the lowest possible price.
If you are insured now or are just looking to switch companies, you can use these tips to save money without reducing coverage. Finding affordable car insurance in Atlanta is not as time-consuming as you think. Comparison shoppers just have to understand the most effective way to compare insurance rates from multiple carriers.
Getting low cost insurance pricing isn’t really that difficult. You just have to take the time to get quotes from some recommended companies.
The following companies can provide comparison quotes in Atlanta, GA. If multiple companies are shown, we suggest you visit two to three different companies to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalanche LS 2WD | $218 | $352 | $472 | $28 | $142 | $1,212 | $101 |
| Avalanche LT 2WD | $374 | $828 | $596 | $36 | $178 | $2,012 | $168 |
| Avalanche LS 4WD | $164 | $316 | $462 | $28 | $138 | $1,108 | $92 |
| Avalanche LT 4WD | $254 | $448 | $506 | $30 | $152 | $1,390 | $116 |
| Avalanche LTZ 2WD | $412 | $706 | $502 | $30 | $150 | $1,800 | $150 |
| Avalanche LTZ 4WD | $366 | $682 | $640 | $38 | $192 | $1,918 | $160 |
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Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Estimates do not factor in zip code location which can decrease or increase auto insurance rates noticeably.
Cost comparison with and without full coverage
The diagram below visualizes the comparison of Chevrolet Avalanche car insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rate quotes are based on no claims or driving violations, $250 deductibles, married female driver, and no additional discounts are factored in.
When to switch to liability coverage only
There is no definitive rule for dropping physical damage coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.
For example, let’s pretend your Chevrolet Avalanche replacement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $8,000 after you pay the deductible. If you are paying more than $800 a year for full coverage, then it’s probably a good time to buy liability coverage only.
There are some circumstances where eliminating full coverage is not recommended. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage on your policy.
Impact of speeding/accidents on car insurance rates
The example below shows how violations and at-fault fender-benders increase Chevrolet Avalanche insurance rates for different age groups. The price estimates are based on a married male driver, full coverage, $250 deductibles, and no additional discounts are factored in.
Age, gender, and Chevrolet Avalanche insurance
The illustration below visualizes the comparison of Chevrolet Avalanche car insurance costs for male and female drivers. The rates are based on a clean driving record, no claims, full coverage, $250 deductibles, drivers are single, and no policy discounts are applied.
Insurance in Georgia serves several purposes
Despite the high insurance cost for a Chevy Avalanche in Atlanta, paying for insurance serves a purpose in several ways.
- Just about all states have minimum liability requirements which means the state requires a specific minimum amount of liability insurance coverage if you want to drive legally. In Georgia 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 require you to buy full coverage to protect their interest in the vehicle. If you default on your policy, the bank may insure your Chevy at a significantly higher premium and force you to reimburse them for the expensive policy.
- Insurance preserves your Chevy and your assets. It will also reimburse you for hospital and medical expenses incurred in an accident. As part of your policy, liability insurance will also pay to defend you if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.
The benefits of insuring your Avalanche outweigh the cost, particularly when you have a large claim. As of last year, the average driver in Georgia overpays more than $700 annually so it’s recommended you shop around every year to make sure the price is not too high.
Discounts mean cheaper rates for Chevy Avalanche insurance in Atlanta
Companies don’t list all their discounts in an easy-to-find place, so the following list contains a few of the more common in addition to some of the lesser obvious credits that may apply to you.
- Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can get savings as much as 30%.
- Multi-car Discount – Drivers who insure multiple vehicles on a single policy can reduce rates for all insured vehicles.
- Discounts for Responsible Drivers – Insureds who avoid accidents can save up to 40% or more on their Atlanta car insurance quote as compared to drivers with claims.
- First Accident Forgiveness – This one is not really a discount per se, but a handful of insurance companies permit an accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
- Seat Belt Discounts – Forcing all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) off the personal injury premium cost.
- Theft Deterrent System – Cars and trucks with anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your Atlanta car insurance quote.
As a sidenote, many deductions do not apply to the entire policy premium. Most only cut individual premiums such as medical payments or collision. So when it seems like you could get a free insurance policy, that’s just not realistic.
To view companies with significant discounts in Georgia, click here.
You may want advice from an agent
Some people prefer to talk to an insurance agent and that is not a bad decision Insurance agents are highly skilled in risk management and help submit paperwork. One of the great benefits of comparing insurance prices online is the fact that drivers can get better rates and still have an agent to talk to. Buying from neighborhood insurance agencies is important especially in Atlanta.
After completing this quick form, your insurance data is submitted to local insurance agents in Atlanta who want to provide quotes for your car insurance coverage. You don’t have to contact any insurance agencies as quotes are delivered to you. In the event you want to compare rates from one company in particular, feel free to jump over to their website and fill out the quote form the provide.
Picking an provider is decision based upon more than just a cheap quote. Any good agent in Atlanta should know the answers to these questions.
- Will the agent or a CSR service your policy?
- Are they able to provide referrals?
- Which insurance companies are they affiliated with?
- Will one accident increase rates?
- Do they make recommendations based only on price?
- Are there any discounts that you might be missing?
Will just any policy work for me?
Always keep in mind that when comparing proper insurance coverage, there is no single plan that fits everyone. Every insured’s situation is different so your insurance should reflect that
For example, these questions can aid in determining if you might need professional guidance.
- When does my teenage driver need to be added to my policy?
- Do I have coverage if I rent a car in Mexico?
- Can I afford to pay high deductible claims out of pocket?
- At what point should I drop full coverage?
- Do I need replacement cost coverage on my Chevy Avalanche?
- What does UM/UIM cover?
If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.
Insurance specifics
Having a good grasp of your policy can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverage types found on most insurance policies.
Comprehensive (Other than Collision)
Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims such as falling objects, theft, hail damage and rock chips in glass. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Collision coverage
This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against things such as crashing into a building, crashing into a ditch, damaging your car on a curb and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible on your Avalanche to get cheaper collision coverage.
Medical expense insurance
Medical payments and Personal Injury Protection insurance kick in for immediate expenses like pain medications, rehabilitation expenses, chiropractic care, EMT expenses and nursing services. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
Liability
This coverage protects you from damage or injury you incur to a person or their property by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.
Liability insurance covers things such as pain and suffering, medical services, repair bills for other people’s vehicles, court costs and attorney fees. How much coverage you buy is your choice, but consider buying as high a limit as you can afford. Georgia state minimum liability requirements are 25/50/25 but drivers should carry higher limits.
Protection from uninsured/underinsured drivers
Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Chevy Avalanche.
Because many people have only the minimum liability required by law (which is 25/50/25), their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits do not exceed the liability coverage limits.
Shop smart and save
When buying insurance coverage, make sure you don’t skimp on coverage in order to save money. In too many instances, someone dropped liability limits or collision coverage and learned later that the small savings ended up costing them much more. The goal is to get the best coverage possible at an affordable rate, but do not sacrifice coverage to save money.
You just read a lot of techniques to get a better price on Chevy Avalanche insurance in Atlanta. The most important thing to understand is the more you quote Atlanta car insurance, the better your chances of lowering your rates. You may even discover the best prices are with some of the smallest insurance companies. Some small companies may cover specific market segments cheaper compared to the large companies like Allstate, GEICO and Progressive.
Low-cost Chevy Avalanche insurance in Atlanta can be purchased from both online companies and also from your neighborhood Atlanta agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies do not provide online quoting and these small insurance companies provide coverage only through local independent agents.
More learning opportunities
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- Who Has the Cheapest Atlanta Car Insurance Rates for Unemployed Drivers? (FAQ)
- Who Has the Cheapest Atlanta Car Insurance Rates for 16 Year Olds? (FAQ)
- How Much is Atlanta Car Insurance for College Students? (FAQ)
- What Insurance is Cheapest for a Nissan Altima in Atlanta? (FAQ)
- Who Has Affordable Atlanta Car Insurance Quotes for Drivers with a DUI? (FAQ)
- Avoiding Deer Collisions (Insurance Information Institute)
- What is a Telematics Device? (Allstate)