Find Cheaper Chevy Avalanche Insurance in Long Beach

It’s safe to assume that insurance companies want to keep you from shopping around. Consumers who perform rate comparisons are very likely to switch to a new company because of the high probability of finding a lower-cost company. A study discovered that drivers who compared prices regularly saved $865 annually compared to policyholders who never compared other company’s rates.

If finding the most affordable auto insurance in Long Beach is your target objective, then understanding how to compare car insurance can make it easier to find better rates.

Insurance for Chevy AvalancheReally, the only way to find cheaper auto insurance rates is to make a habit of comparing prices annually from insurance carriers who can sell car insurance in Long Beach. Price quotes can be compared by completing these steps.

  1. Read and learn about how insurance companies determine prices and the modifications you can make to prevent high rates. Many policy risk factors that cause high rates such as at-fault accidents and a negative credit history can be eliminated by being financially responsible and driving safely. This article provides the details to help prevent high rates and find additional discounts.
  2. Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from a single company like GEICO or Allstate, while independent agencies can give you price quotes for many different companies.
  3. Compare the new rate quotes to your current policy to see if you can save by switching companies. If you find a better price and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.

One important bit of advice is to try to use the same coverage limits and deductibles on every quote request and and to get quotes from every company you can. Doing this helps ensure a level playing field and a complete selection of prices.

This information will familiarize you with how car insurance quotes work and also pocket some savings If you already have coverage, you should be able to lower your rates using these methods. Consumers just have to learn the tricks to get comparison rates online.

Chevy Avalanche insurance rate analysis

The premium table shown next covers estimates of coverage prices for Chevy Avalanche models. Having a good understanding how auto insurance premiums are figured can be valuable when making smart choices when purchasing an insurance policy.


Chevrolet Avalanche Insurance Rates in Long Beach, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avalanche LS 2WD $334 $584 $530 $32 $158 $1,638 $137
Avalanche LT 2WD $334 $688 $530 $32 $158 $1,742 $145
Avalanche LS 4WD $334 $688 $530 $32 $158 $1,742 $145
Avalanche LT 4WD $334 $688 $530 $32 $158 $1,742 $145
Avalanche LTZ 2WD $372 $688 $530 $32 $158 $1,780 $148
Avalanche LTZ 4WD $372 $688 $530 $32 $158 $1,780 $148
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Price information does not factor in specific zip code location which can revise price quotes noticeably.

Policy deductible comparison

The hardest decision when buying coverage is which comprehensive and collision deductibles to buy. The comparisons below outline the differences in premium rates when you buy lower versus higher coverage deductibles. The first table uses a $100 physical damage deductible and the second data table uses a $1,000 deductible.


Chevrolet Avalanche insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avalanche LS 2WD $430 $686 $552 $32 $166 $1,891 $158
Avalanche LT 2WD $430 $810 $552 $32 $166 $2,015 $168
Avalanche LS 4WD $430 $810 $552 $32 $166 $2,015 $168
Avalanche LT 4WD $430 $810 $552 $32 $166 $2,015 $168
Avalanche LTZ 2WD $478 $810 $552 $32 $166 $2,063 $172
Avalanche LTZ 4WD $478 $810 $552 $32 $166 $2,063 $172
Get Your Own Custom Quote Go

Chevrolet Avalanche insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avalanche LS 2WD $238 $362 $552 $32 $166 $1,350 $113
Avalanche LT 2WD $238 $426 $552 $32 $166 $1,414 $118
Avalanche LS 4WD $238 $426 $552 $32 $166 $1,414 $118
Avalanche LT 4WD $238 $426 $552 $32 $166 $1,414 $118
Avalanche LTZ 2WD $266 $426 $552 $32 $166 $1,442 $120
Avalanche LTZ 4WD $266 $426 $552 $32 $166 $1,442 $120
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Table data does not factor in specific zip code location which can decrease or increase coverage rates considerably.

Using the data above, we can ascertain that using a $100 deductible would cost the average driver about $50 more each month or $600 a year across all Chevrolet Avalanche models than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go at least 18 months between claim filings, you would probably save some money if you choose a higher deductible.

How to determine if higher deductibles are a good idea

Average monthly premium for $100 deductibles: $168
Average monthly premium for $1,000 deductibles (subtract): – $118
Monthly savings from raising deductible: $50
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $50
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

An important thing to remember is that raising deductibles to get cheaper rates means you will have to pay more of your own money at claim time. That will require enough extra savings in order to pay more for the deductible.

The information below highlights how deductible choice and can affect Chevy Avalanche yearly insurance costs for different age groups. The information is based on a married male driver, full physical damage coverage, and no additional discounts are factored in.

Cost difference between full coverage and liability

The chart below shows the difference between Chevy Avalanche insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no claims or driving citations, $100 deductibles, drivers are not married, and no discounts are factored in.

When to switch to liability coverage only

There is no definitive guideline to stop buying full coverage, but there is a general school of thought. If the yearly cost of comp and collision coverage is about 10% or more of replacement cost minus your deductible, then you might consider buying liability only.

For example, let’s pretend your Chevy Avalanche settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $7,000 after the deductible is paid. If premium cost is more than $700 a year for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are a few situations where only buying liability is not a good idea. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not drop full coverage.

Eight Things That Determine Your Insurance Premiums

Many different elements are part of the equation when premium rates are determined. Some are pretty understandable like your driving record, but some are less apparent like your vehicle usage or your vehicle rating. Smart consumers have a good feel for the rating factors that are used to determine the price you pay for auto insurance. When consumers understand what determines base rates, this enables you to make decisions that could help you find big savings.

Don’t give up on affordable rates

The cheapest Chevy Avalanche insurance in Long Beach can be found both online and from local agencies, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who do not provide price quotes online and usually these small insurance companies provide coverage only through independent agents.

In this article, we presented a lot of ways to compare Chevy Avalanche insurance rates in Long Beach. It’s most important to understand that the more quotes you get, the higher the chance of saving money. You may even be surprised to find that the lowest rates are with a company that doesn’t do a lot of advertising. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as State Farm, GEICO and Nationwide.

To read more, feel free to browse these articles: