Auto Insurance Rates for a Chevy Avalanche in Lubbock

Discount Chevy Avalanche insuranceThe best way we recommend to get discount Chevy Avalanche insurance in Lubbock is to do a yearly price comparison from companies who provide car insurance in Texas.

One thing to remember is to try to use identical coverages on every price quote and and to compare as many companies as you can. Doing this helps ensure a fair price comparison and and a good selection of different prices.

A recent study revealed that about 70% of customers have been with the same company for a minimum of four years, and 38% of drivers have never shopped around. U.S. consumers can cut their rates by as much as 46.5% a year just by comparing rates, but most just don’t grasp the benefits if they switched to a cheaper policy.

Locating the most cost-effective auto insurance policy in Lubbock is really quite easy. In essence, each driver who shops for auto insurance should get a lower-priced policy. Nevertheless, Texas vehicle owners can benefit from knowing how the larger insurance companies market on the web.

How much is Chevy Avalanche insurance in Lubbock, TX?

When looking for the cheapest Chevrolet Avalanche rate quotes, there are a couple ways to compare quotes from different companies. The best way to find affordable insurance rates is to perform an online rate comparison.

It’s so easy to compare price quotes online that it takes the place of having to spend time driving to insurance agents’ offices. The internet eliminates the need for an insurance agent unless your situation requires the peace of mind of an agent trained in personal lines coverage. Drivers can compare the best prices online and have a local agent actually service the policy. When comparing auto insurance rates, know that quoting more gives you a better chance of getting the best rates.

The following companies provide price comparisons in Lubbock, TX. If your goal is to find the best car insurance in TX, it’s highly recommended you visit two to three different companies in order to get a fair rate comparison.

Don’t neglect these rate reducing discounts

Companies do not list every discount available in an easy-to-find place, so the below list has both the well known as well as the least known auto insurance savings.Auto insurance discounts

Drivers should understand that most credits do not apply to the entire cost. A few only apply to individual premiums such as collision or personal injury protection. Even though it appears you could get a free auto insurance policy, it doesn’t quite work that way.

The example below visualizes the comparison of Chevy Avalanche yearly insurance costs with and without discounts applied to the rates. The premiums assume a female driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, multi-policy, claim-free, safe-driver, and marriage discounts applied.

Auto insurance companies that may offer these discounts include:

Before purchasing a policy, check with every prospective company which credits you are entitled to. All car insurance discounts may not apply everywhere. If you would like to view insurance companies who offer free Chevy Avalanche insurance quotes in Lubbock, click here.

Premium rates and analysis

The premium table displayed below covers detailed analysis of coverage costs for Chevy Avalanche models. Having insight into how insurance prices are figured can assist in making decisions when shopping your coverage around.

Chevrolet Avalanche Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avalanche LS 2WD $264 $460 $576 $34 $172 $1,506 $126
Avalanche LT 2WD $264 $542 $576 $34 $172 $1,588 $132
Avalanche LS 4WD $264 $542 $576 $34 $172 $1,588 $132
Avalanche LT 4WD $264 $542 $576 $34 $172 $1,588 $132
Avalanche LTZ 2WD $294 $542 $576 $34 $172 $1,618 $135
Avalanche LTZ 4WD $294 $542 $576 $34 $172 $1,618 $135
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Premium amounts do not factor in Lubbock location which can impact prices significantly.

The chart below shows how choosing a deductible and can impact Chevy Avalanche premium costs for each different age category. The rate quotes are based on a married male driver, comprehensive and collision coverage, and no additional discounts are factored in.

Comparison of car insurance rates by gender and age in Lubbock

The example below illustrates the difference between Chevy Avalanche yearly insurance costs for male and female drivers. The price estimates are based on no violations or accidents, full coverage, $250 deductibles, drivers are single, and no discounts are factored in.

Full coverage rates compared to liability-only

The example below compares Chevy Avalanche insurance rates with full physical damage coverage compared to only buying liability only. The rate quotes are based on no driving violations, no at-fault accidents, $100 deductibles, single marital status, and no discounts are applied.

Guidelines for dropping full coverage

There is no written rule for eliminating comp and collision coverage, but there is a guideline you can consider. If the annual cost of coverage is 10% or more of the replacement cost minus the deductible, then it could be time to drop full coverage.

For example, let’s say your Chevy Avalanche replacement cost is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $2,000 after paying the physical damage deductible. If it’s costing you more than $200 annually for full coverage, then you may need to consider dropping full coverage.

There are some conditions where buying only liability insurance is not financially feasible. If you have an outstanding loan on your vehicle, you have to carry full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should keep full coverage.

Shop online but buy locally

A small number of people would rather get professional advice from a licensed agent and that is not a bad decision A good thing about price shopping on the web is you may find lower premium rates and still have an agent to talk to.

To help locate an agent, after submitting this simple form, the quote information gets sent to agents in your area who can give free rate quotes for your coverage. You never need to leave your computer as quotes are delivered to you directly. You’ll get the best rates AND a local agent. If you want to quote rates from a specific insurance company, feel free to visit that company’s website and give them your coverage information.

Choosing a provider shouldn’t rely on just a low price. Below are some questions you should ask.

Compare rates from both independent and exclusive auto insurance agents

If you are wanting to purchase car insurance from a reliable agent, it’s important to understand the different types of agents and how they can service your needs differently. Insurance agencies in Lubbock may be either independent agents or exclusive agents depending on their employer.

Exclusive Insurance Agencies

Agents in the exclusive channel can only write with one company and some examples include Farmers Insurance, Allstate, or State Farm. They are unable to provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. They are well trained on their company’s products which helps them sell insurance even at higher premiums.

The following are exclusive insurance agents in Lubbock who may provide you with price quote information.

13033 Quaker Ave SUITE BLubbock, TX 79423(806) 797-3329View Map

409 Frankford AveLubbock, TX 79416(806) 785-4456View Map

6701 Aberdeen Ave Ste 2Lubbock, TX 79424(806) 798-1340View Map

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Independent Car Insurance Agencies

These agents are not employed by one company and that is an advantage because they can write policies through many companies and help determine which has the cheapest rates. If your agent finds better pricing, an independent agent can move your coverage and that require little work on your part.

When comparing rate quotes, you will definitely want to compare prices from several independent agencies so that you have a good selection of quotes to compare.

Below are independent insurance agents in Lubbock that are able to give price quotes.

Bldg. 2, 7021 Kewanee Avenue #102Lubbock, TX 79424(806) 771-9692View Map

David Tate Insurance Agency LLP
5233 79th StLubbock, TX 79424(806) 794-1177View Map

3225 50th StLubbock, TX 79413(806) 799-0052View Map

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After talking to the agent and getting satisfactory answers and locked in a price quote, most likely you have located an insurance agent that can be relied on to service your policy. Just keep in mind you are able to cancel coverage at any time so never assume that you are obligated to a policy with no way out.

Learn How to Lower Your Insurance Prices

It’s important that you understand the rating factors that are used to determine the level of your policy premiums. When you understand what influences your rates, this enables informed choices that could help you find cheaper rates. Multiple criteria are used in the calculation when quoting car insurance. Some are pretty understandable like your driving record, but some are less apparent like your vehicle usage or your commute time.

The factors shown below are some of the most rate-impacting factors utilized by car insurance companies to help set your rate level.

Safer cars cost less to insure – Safe vehicles can get you lower premiums. Highly rated vehicles reduce the chance of injuries and any reduction in injury severity translates into fewer and smaller insurance claims which can result in lower premiums. If your Chevy Avalanche earned at least four stars on you may qualify for a discount.

Urban areas may pay more – Choosing to live in areas with lower population has it’s advantages if you are looking for the lowest rates. Lower population translates into fewer accident claims and a lower car theft rate. Drivers who live in large Texas cities tend to have congested traffic and longer commutes to work. Higher commute times means more chance of being in an accident.

Don’t let your car insurance lapse – Driving any period of time without insurance can get you a ticket and you will pay a penalty because you let your insurance expire. And not only will your rates increase, not being able to provide proof of insurance can result in fines and jail time.

Can a thief steal your car? – Choosing to buy a car with advanced anti-theft systems can save you some money. Anti-theft features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder your vehicle from being stolen.

Do you work long hours in a tough employer? – Occupational choices like military generals, social workers, and stock brokers are shown to have higher rates than the rest of us due to job stress and lots of time spent at work. On the flip side, occupations like farmers, athletes and retirees pay lower than average rates.

Why do I need car insurance?

Even though Lubbock Avalanche insurance rates can get expensive, auto insurance may be required and benefits you in several ways.

First, the majority of states have minimum liability requirements which means the state requires specific limits of liability insurance if you drive a vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a lien on your Avalanche, almost every bank will require that you have physical damage coverage to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the bank will be required to insure your Chevy at a more expensive rate and require you to fork over the higher price.

Third, insurance safeguards both your Chevy and your assets. It will also provide coverage for medical bills for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, will also pay to defend you in the event you are sued. If your Chevy gets damaged, your auto insurance policy will cover the damage repairs after a deductible is paid.

The benefits of buying enough insurance outweigh the cost, specifically if you ever have a liability claim. As of last year, the average driver in Texas is overpaying over $825 a year so it’s important to compare rates at least once a year to make sure the price is not too high.

Final considerations

Cheaper Chevy Avalanche insurance in Lubbock can be sourced on the web as well as from insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some insurance companies may not offer online quoting and most of the time these regional carriers only sell through independent insurance agencies.

When shopping online for car insurance, you should never skimp on critical coverages to save a buck or two. There are a lot of situations where an accident victim reduced collision coverage and discovered at claim time that it was a big mistake. Your aim should be to buy enough coverage at a price you can afford, but don’t skip important coverages to save money.

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