Buying affordable Virginia Beach Chevy Avalanche insurance quotes online can seem to be impossible for consumers not familiar with comparing rates and buying insurance on the web. With so many agents and online companies, how can Virginia Beach drivers have a chance to compare every company to locate the cheapest available price?
How to find lower priced Chevy Avalanche insurance in Virginia Beach
The easiest way to find low-cost prices for car insurance rates in Virginia Beach is to start comparing rates regularly from companies who provide car insurance in Virginia. Rates can be compared by following these guidelines.
- Step 1: Try to comprehend what is in your policy and the things you can control to drop your rates. Many things that are responsible for high rates like at-fault accidents, careless driving, and a less-than-favorable credit history can be rectified by making minor driving habit or lifestyle changes. This article gives additional tips to get lower rates and get bigger discounts that may have been overlooked.
- Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from one company like Progressive or State Farm, while agents who are independent can quote rates for a wide range of insurance providers.
- Step 3: Compare the price quotes to your existing coverage to see if a cheaper rate is available. If you find better rates, make sure there is no coverage gap between policies.
A tip to remember is to use identical limits and deductibles on every price quote and and to get prices from as many different companies as possible. This helps ensure a level playing field and a thorough price selection.
It’s well known that auto insurance companies don’t want you to look for a cheaper policy. Drivers who get comparison quotes once a year are very likely to switch insurance companies because there is a significant possibility of finding better rates. A recent insurance study revealed that people who regularly compared rates saved $3,400 over four years as compared to drivers who never shopped around for better prices.
If finding the best price on Chevy Avalanche insurance in Virginia Beach is your ultimate goal, learning how to shop for insurance can make shopping around easier.
Consumers should take time to do rate comparisons at least once a year because rates are adjusted regularly by insurance companies. Just because you had the best premium rates on Chevy Avalanche insurance in Virginia Beach last year a different company probably has better prices today. Forget all the misinformation about insurance because I’m going to let you in on the secrets to one of the quickest ways to buy cheaper Chevy Avalanche insurance in Virginia Beach.
When price shopping your coverage, comparing more prices will increase your chances of finding a better price.
The car insurance companies shown below are our best choices to provide price quotes in Virginia. If multiple companies are listed, it’s highly recommended you click on several of them to get a more complete price comparison.
Three reasons to not skimp on auto insurance
Despite the high cost of buying insurance for a Chevy Avalanche in Virginia Beach, insuring your vehicle may be mandatory for several reasons.
First, most states have mandatory liability insurance requirements which means the state requires specific limits of liability insurance in order to be legal. In Virginia these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
Second, if you have a loan on your vehicle, it’s most likely the lender will make it mandatory that you have physical damage coverage to guarantee payment of the loan. If you let the policy lapse, the lender may have to buy a policy to insure your Chevy at an extremely high rate and force you to pay the higher price.
Third, auto insurance preserves not only your Chevy Avalanche but also your assets. It will also pay for medical bills for yourself as well as anyone injured by you. As part of your policy, liability insurance will also pay attorney fees if you are sued as the result of an accident. If your Chevy gets damaged, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.
The benefits of carrying adequate insurance are without a doubt worth the cost, especially when you need to use it. On average, a vehicle owner in Virginia Beach overpays more than $850 per year so compare rate quotes once a year at a minimum to ensure rates are inline.
Data for Chevy Avalanche insurance
The coverage information displayed below showcases different insurance coverage prices for Chevy Avalanche models. Learning as much as possible about how insurance prices are formulated can assist in making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalanche LS 2WD | $154 | $260 | $434 | $26 | $130 | $1,004 | $84 |
| Avalanche LT 2WD | $154 | $306 | $434 | $26 | $130 | $1,050 | $88 |
| Avalanche LS 4WD | $154 | $306 | $434 | $26 | $130 | $1,050 | $88 |
| Avalanche LT 4WD | $154 | $306 | $434 | $26 | $130 | $1,050 | $88 |
| Avalanche LTZ 2WD | $172 | $306 | $434 | $26 | $130 | $1,068 | $89 |
| Avalanche LTZ 4WD | $172 | $306 | $434 | $26 | $130 | $1,068 | $89 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Premium costs do not factor in specific zip code location which can impact premiums considerably.
The diagram below shows how choosing a deductible and can raise or lower Chevy Avalanche insurance costs for different age groups. The premiums assume a single male driver, comp and collision included, and no additional discounts are factored in.
Insurance quotes and discounts
Insurance can be prohibitively expensive, but you can get discounts to reduce the price significantly. Some discounts will apply at quote time, but less common discounts must be inquired about prior to receiving the credit.
- Multi-policy Discount – If you can combine your auto and homeowners policy with one insurance company you could get a discount of as much as 10 to 15 percent.
- Claim-Free Discount – Claim-free drivers get the best insurance rates as compared to bad drivers.
- ABS and Traction Control Discounts – Cars and trucks that have anti-lock braking systems can avoid accidents so you can save 10 percent or more.
- Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class as it can save substantially.
- Discount for Low Mileage – Low annual miles can qualify you for lower insurance rates due to less chance of an accident.
- Lower Rates for Military – Being deployed with a military unit could trigger a small discount.
- College Student Discount – Youth drivers living away from Virginia Beach attending college and do not have access to a covered vehicle may qualify for this discount.
Remember that most discount credits are not given to your bottom line cost. Most only reduce individual premiums such as medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. But all discounts will lower your insurance premiums.
The chart below illustrates the comparison of Chevy Avalanche car insurance rates with and without discounts applied to the rates. The data is based on a female driver, no claims or driving citations, Virginia state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, multi-car, safe-driver, claim-free, and marriage discounts applied.
Some of the larger companies that may offer quotes with these discounts may include but are not limited to:
If you want the cheapest Chevrolet Avalanche rate quotes, ask all companies you are considering which discounts can lower your rates. Some of the discounts discussed earlier might not apply in every state. If you would like to view insurance companies that provide some of the discounts listed above in Virginia, click here to view.
How to know if you need help
Always remember that when buying adequate coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique.
For example, these questions might help in determining whether you might need professional guidance.
- What can I do if my company denied a claim?
- Is upholstery damage covered by car insurance?
- Is my dog or cat covered if injured in an accident?
- Why do I only qualify for high-risk insurance?
- What are the liability requirements in my state?
- Do I need medical payments coverage since I have good health insurance?
- What is an adequate liability insurance limit?
- Do I need replacement cost coverage on my Chevy Avalanche?
- Can I rent a car in Mexico?
If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form.