Cheap Insurance for a Chevy Avalanche in Durham

Discount Chevy Avalanche insuranceAre you doing reasearch to find the cheapest Chevy Avalanche insurance in Durham? I can’t think of a single person who likes paying for auto insurance, especially when they know they could find lower prices if they just compared rates.

Astonishing but true, the majority of drivers have remained with the same auto insurance company for a minimum of four years, and nearly the majority have never even compared rates from other companies. With the average auto insurance premium being $1,847, American drivers could save 46.5% every year just by getting comparison quotes, but they won’t spend time to compare rates and save money. Lots of auto insurance companies contend for your business, and because of this it can be hard to compare insurance companies to get the best rate on Chevy Avalanche insurance in Durham.

The method we recommend to compare insurance rates in your area is to know almost all companies have advanced systems to provide you with a free rate quote. To begin a comparison, all you need to do is provide the companies a bit of rating information including whether the vehicles are used for commuting, if you went to college, if your license is active, and your occupation. That rating information is instantly submitted to many of the top insurers and they provide comparison quotes immediately.

To check rates for your car now, click here and see if a lower rate is available in Durham.

The companies in the list below offer price quotes in North Carolina. In order to find cheaper auto insurance in North Carolina, we recommend you get prices from several of them to get the best price comparison.

Why you need car insurance

Despite the fact that car insurance is not cheap in Durham, paying for car insurance may be required and benefits you in several ways.

The benefits of having car insurance more than cancel out the cost, especially with large liability claims. The average driver in America overpays more than $800 each year so smart consumers compare quotes at least once a year to be sure current rates are still competitive.

Data for Chevy Avalanche insurance

The coverage table shown below covers different rate quotes for Chevy Avalanche models. Having a better understanding of how insurance premiums are established helps drivers make informed decisions when comparing rates.

Chevrolet Avalanche Insurance Rates in Durham, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avalanche LS 2WD $208 $366 $404 $24 $122 $1,124 $94
Avalanche LT 2WD $208 $432 $404 $24 $122 $1,190 $99
Avalanche LS 4WD $208 $432 $404 $24 $122 $1,190 $99
Avalanche LT 4WD $208 $432 $404 $24 $122 $1,190 $99
Avalanche LTZ 2WD $232 $432 $404 $24 $122 $1,214 $101
Avalanche LTZ 4WD $232 $432 $404 $24 $122 $1,214 $101
Get Your Own Custom Quote Go

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Table data does not factor in Durham location which can alter price quotes greatly.

Auto insurance deductibles

One common question asked by Durham drivers is how high should the physical damage deductibles be. The figures shown below approximate the costs and benefits between high and low coverage deductibles. The first data table uses a $250 physical damage deductible and the second rate chart uses a $1,000 deductible.

Chevrolet Avalanche insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avalanche LS 2WD $218 $324 $312 $18 $94 $991 $83
Avalanche LT 2WD $218 $382 $312 $18 $94 $1,049 $87
Avalanche LS 4WD $218 $382 $312 $18 $94 $1,049 $87
Avalanche LT 4WD $218 $382 $312 $18 $94 $1,049 $87
Avalanche LTZ 2WD $242 $382 $312 $18 $94 $1,073 $89
Avalanche LTZ 4WD $242 $382 $312 $18 $94 $1,073 $89
Get Your Own Custom Quote Go

Chevrolet Avalanche insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avalanche LS 2WD $134 $204 $312 $18 $94 $762 $64
Avalanche LT 2WD $134 $240 $312 $18 $94 $798 $67
Avalanche LS 4WD $134 $240 $312 $18 $94 $798 $67
Avalanche LT 4WD $134 $240 $312 $18 $94 $798 $67
Avalanche LTZ 2WD $150 $240 $312 $18 $94 $814 $68
Avalanche LTZ 4WD $150 $240 $312 $18 $94 $814 $68
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Price estimates do not factor in vehicle location which can decrease or increase premium rates significantly.

We can estimate from the data above that using a $250 deductible could cost the average driver approximately $20 more each month or $240 each year than quoting the higher $1,000 deductible. Since you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go more than 38 months between claim filings, you would probably save some money if you opt for a higher deductible. Here’s the way you can make your own decision.

Average monthly premium for $250 deductibles: $87
Average monthly premium for $1,000 deductibles (subtract): – $67
Monthly savings from raising deductible: $20
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 38 months

One important caveat is that increasing deductibles to save money results in more money out-of-pocket when you have a physical damage claim. You need to have some extra funds in the event you need to pay the deductible.

The information below demonstrates how deductibles and can raise or lower Chevy Avalanche insurance rates for each different age group. The rates are based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Cautious Durham drivers save money

The example below shows how violations and fender-benders can raise Chevy Avalanche yearly insurance costs for different age groups. The rate quotes are based on a married female driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.

Auto insurance premiums based on gender

The diagram below illustrates the comparison of Chevy Avalanche insurance rates for male and female drivers. The prices are based on no claims or driving violations, comp and collision included, $100 deductibles, single status, and no other discounts are factored in.

How much more does full coverage cost in Durham?

The chart below visualizes the comparison of Chevy Avalanche annual premium costs with liability coverage only compared to full coverage. The rates are based on no driving violations, no at-fault accidents, $250 deductibles, marital status is single, and no policy discounts are applied.

When to drop comp and collision

There isn’t a written rule to drop full coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let’s pretend your Chevy Avalanche replacement cost is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $4,000 after paying the physical damage deductible. If it’s costing you more than $400 annually for full coverage, then you may want to consider only buying liability coverage.

There are some circumstances where dropping physical damage coverage is not financially feasible. If you still have a loan on your vehicle, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage in place.

Insurance discounts are available for cheaper rates

Insurance is not inexpensive, but there could be available discounts that many people don’t even know exist. Most are applied when you quote, but a few need to be specially asked for before they will apply.Cheaper insurance with discounts

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. Just because you may think all the discounts add up to a free policy, it doesn’t quite work that way. Any qualifying discounts will bring down the amount you have to pay.

The illustration below illustrates the comparison of Chevy Avalanche insurance premiums with and without discounts being applied to the rates. The rates are based on a female driver, no violations or accidents, North Carolina state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, multi-policy, claim-free, homeowner, and marriage discounts applied.

A list of insurance companies and their possible discounts are outlined below.

Double check with all the companies which discounts you qualify for. Some discounts listed above may not apply in Durham. For a list of insurers with discount insurance rates in Durham, click here.

Compare rate quotes but work with a local Durham insurance agency

A small number of people just want to talk to an insurance agent and doing so can bring peace of mind Professional insurance agents can answer important questions and help in the event of a claim. One of the best bonuses of comparing car insurance online is you may find the lowest rates and still buy from a local agent.

Durham insurance agentsBy using this form (opens in new window), your information is transmitted to local insurance agents in Durham who want to provide quotes for your business. You never need to search for any insurance agencies due to the fact that quote results will go immediately to your email address. If you need to get a rate quote from a specific insurance company, feel free to find their quoting web page to submit a rate quote request.

Deciding on an insurance company should include more criteria than just the bottom line cost. These are some questions you should get answers to.

If you need to find a reputable insurance agent or broker, it’s helpful to know the different agency structures and how they differ in how they can insure your vehicles. Car insurance agents in Durham are categorized either independent agents or exclusive agents. Either one can write policy coverage, but it’s important to know the subtle differences since it can affect your selection of an agent.

Exclusive Car Insurance Agents

Agents in the exclusive channel can only place business with one company like Allstate, State Farm and Farm Bureau. Exclusive agents cannot provide prices from multiple companies so they have to upsell other benefits. Exclusive insurance agents are well schooled in insurance sales which helps offset the inability to provide other markets.

Listed below are Durham exclusive agencies who can help you get comparison quotes.

5842 Fayetteville Rd #112Durham, NC 27713(919) 544-8101View Map

2902 S Miami Blvd Ste ADurham, NC 27703(919) 544-4953View Map

2310 S Miami Blvd Ste 131Durham, NC 27703(919) 484-2493View Map

More insurance agents

Independent Car Insurance Agents

Agents in the independent channel are not locked into one company and that allows them to write policies through many companies enabling the ability to shop coverage around. To transfer your coverage to a different company, they can switch companies in-house and you stay with the same agent. If you are comparing rate quotes, you definitely need to get several quotes from several independent agencies to maximize your price options.

Listed below are Durham independent agents willing to provide comparison quotes.

5410Durham, NC 27713(919) 484-8400View Map

2344 Operations Dr Suite 101Durham, NC 27705(919) 479-9900View Map

1210 Cole Mill Rd Suite 101Durham, NC 27705(919) 294-6613View Map

More insurance agents

Keep this in mind when shopping around

Cost effective Chevy Avalanche insurance is possible both online and also from your neighborhood Durham agents, and you should be comparing both so you have a total pricing picture. Some insurance providers do not provide the ability to get quotes online and most of the time these regional insurance providers work with local independent agencies.

When shopping online for insurance, it’s not a good idea to buy poor coverage just to save money. There are too many instances where someone sacrificed full coverage and learned later that it was a big error on their part. The aim is to buy enough coverage at a price you can afford while not skimping on critical coverages.

In this article, we covered many tips how you can reduce Chevy Avalanche insurance premium rates online in Durham. It’s most important to understand that the more companies you get prices for, the higher the chance of saving money. Consumers may even find the biggest savings come from a lesser-known regional company. Regional companies can often provide lower prices in certain areas than their larger competitors like Allstate and Progressive.

Steps to finding more affordable Chevy Avalanche insurance in Durham

If you want to save the most money, the best way to get budget Chevy Avalanche insurance in Durham is to compare prices regularly from insurance carriers that insure vehicles in North Carolina.

A good piece of advice is that you use similar deductibles and liability limits on each quote request and and to compare as many auto insurance providers as possible. This helps ensure a fair rate comparison and a good representation of prices.

More information can be found on the following sites: