To save the most money, the best way to find low-cost prices for Chevy Avalanche insurance is to regularly compare prices from insurance carriers in Tampa.
First, take a few minutes and learn about how insurance companies determine prices and the measures you can take to prevent rate increases. Many risk factors that drive up the price like accidents, careless driving, and a not-so-good credit score can be rectified by making minor changes in your lifestyle.
Second, obtain price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like Progressive or Allstate, while agents who are independent can give you price quotes from multiple insurance companies. Select a company
Third, compare the new rate quotes to your existing policy and determine if there is any savings. If you find a lower rate and buy the policy, make sure coverage does not lapse between policies.
Fourth, notify your company or agent of your decision to cancel your current car insurance policy. Submit the signed application along with the required initial payment to your new carrier. Don’t forget to safely store the certificate of insurance in your vehicle’s glove compartment or console.
One key aspect when comparing rates is that you’ll want to make sure you compare identical coverages on every quote request and and to get rate quotes from as many companies as feasibly possible. This helps ensure an accurate price comparison and a better comparison of the market.
Unbelievable but true according to a study nearly 70% of customers have stayed with the same insurance company for over three years, and approximately 38% of consumers have never even shopped around for cheap coverage. Many drivers in Florida could save themselves nearly $1,126 a year by just comparing rate quotes, but they just feel it’s too hard to shop their coverage around.
If you have coverage now or want to find a cheaper company, use these techniques to shop for the lowest rates without sacrificing coverage. Buying the cheapest insurance in Tampa is actually very simple if you learn how to start. You only need to know the tricks to compare prices online from multiple companies.
Affordable rates on Chevy Avalanche insurance in Tampa with these insurance discounts
Properly insuring your vehicles can get expensive, but you may find discounts that can drop the cost substantially. Certain credits will be shown when you complete an application, but less common discounts must be asked about before they will apply.
- Renewal Discounts – A few companies offer discounts for switching companies prior to your current Avalanche insurance policy expiring. This discount can save up to 10%.
- Accident Free – Drivers with accident-free driving histories can save substantially when compared with bad drivers.
- ABS and Traction Control Discounts – Vehicles with ABS braking systems or traction control prevent accidents and therefore earn up to a 10% discount.
- New Car Discount – Buying a new car model can be considerably cheaper since newer models are generally safer.
- Theft Deterrent Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and will qualify for a discount on a Tampa car insurance quote.
- Accident Waiver – This isn’t a discount exactly, but some companies like State Farm and Progressive will allow you to have one accident before hitting you with a surcharge with the catch being you have to be claim-free for a certain period of time.
- Military Discounts – Being on active duty in the military could qualify you for better prices.
Don’t be shocked that some of the credits will not apply to the overall cost of the policy. Most cut specific coverage prices like comprehensive or collision. Even though the math looks like it’s possible to get free car insurance, that’s just not realistic.
The diagram below shows the difference between Chevy Avalanche insurance costs with and without discounts applied to the premium. The costs are based on a male driver, no claims, a clean driving record, Florida 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 multi-policy, claim-free, safe-driver, marriage, multi-car, and homeowner discounts applied.
If you would like to choose from a list of insurance companies with discount rates in Florida, click here to view.
The following companies are ready to provide price quotes in Florida. In order to find cheap auto insurance in FL, we suggest you visit several of them in order to find the most affordable rates.
Analysis of coverages
The premium table below highlights estimates of insurance premium costs for Chevy Avalanche models. Knowing how policy premiums are calculated can help customers make decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalanche LS 2WD | $256 | $342 | $684 | $40 | $204 | $1,526 | $127 |
| Avalanche LT 2WD | $256 | $402 | $684 | $40 | $204 | $1,586 | $132 |
| Avalanche LS 4WD | $256 | $402 | $684 | $40 | $204 | $1,586 | $132 |
| Avalanche LT 4WD | $256 | $402 | $684 | $40 | $204 | $1,586 | $132 |
| Avalanche LTZ 2WD | $286 | $402 | $684 | $40 | $204 | $1,616 | $135 |
| Avalanche LTZ 4WD | $286 | $402 | $684 | $40 | $204 | $1,616 | $135 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Table data does not factor in vehicle location which can change coverage rates substantially.
Choosing deductibles
One of the most common car insurance questions is how high should the deductibles for physical damage be. The premium rates below may help to illustrate the rate difference between high and low physical damage deductibles. The first rate estimation uses a $250 comprehensive and collision deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalanche LS 2WD | $364 | $544 | $522 | $30 | $156 | $1,641 | $137 |
| Avalanche LT 2WD | $364 | $640 | $522 | $30 | $156 | $1,737 | $145 |
| Avalanche LS 4WD | $364 | $640 | $522 | $30 | $156 | $1,737 | $145 |
| Avalanche LT 4WD | $364 | $640 | $522 | $30 | $156 | $1,737 | $145 |
| Avalanche LTZ 2WD | $406 | $640 | $522 | $30 | $156 | $1,779 | $148 |
| Avalanche LTZ 4WD | $406 | $640 | $522 | $30 | $156 | $1,779 | $148 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalanche LS 2WD | $224 | $342 | $522 | $30 | $156 | $1,274 | $106 |
| Avalanche LT 2WD | $224 | $402 | $522 | $30 | $156 | $1,334 | $111 |
| Avalanche LS 4WD | $224 | $402 | $522 | $30 | $156 | $1,334 | $111 |
| Avalanche LT 4WD | $224 | $402 | $522 | $30 | $156 | $1,334 | $111 |
| Avalanche LTZ 2WD | $250 | $402 | $522 | $30 | $156 | $1,360 | $113 |
| Avalanche LTZ 4WD | $250 | $402 | $522 | $30 | $156 | $1,360 | $113 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Rate information does not factor in specific location information which can raise or lower coverage prices considerably.
We can derive from the above data that using a $250 deductible would cost the average driver about $34 more each month or $408 each year than requesting the higher $1,000 deductible. Because you would be required to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 22 months between claims, you would more than likely save some money by selecting a higher deductible. Here’s a better example of how you can do this calculation yourself.
| Average monthly premium for $250 deductibles: | $145 |
| Average monthly premium for $1,000 deductibles (subtract): | – $111 |
| Monthly savings from raising deductible: | $34 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $34 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 22 months |
One important issue to know is that a higher deductible results in having to pay to pay more out-of-pocket if you have a claim. It will be required that you have enough money stashed away in order to pay more to get your vehicle repaired.
The example below demonstrates how deductible levels and can affect Chevy Avalanche premium costs for different insured age categories. The costs are based on a single male driver, full coverage, and no discounts are taken into consideration.
Men versus women drivers and insurance cost
The illustration below shows the difference between Chevy Avalanche insurance prices for male and female drivers. The premium estimates are based on no claims or violations, full physical damage coverage, $250 deductibles, drivers are single, and no other discounts are factored in.
It’s not one size fits all
Keep in mind that when it comes to choosing the best insurance coverage for your personal vehicles, there really is no one size fits all plan. Every insured’s situation is different and your insurance should unique, too.
These are some specific questions can aid in determining if you will benefit from professional help.
- How much liability do I need to cover my assets?
- How much liability coverage do I need in Florida?
- Should I drop comprehensive coverage on older vehicles?
- Is there coverage for my trailer?
- Should I bundle my homeowners policy with my auto?
- Does my policy cover me when driving someone else’s vehicle?
- Is my babysitter covered when using my vehicle?
- Does my insurance cover a custom paint job?
If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.
Getting quotes from local Tampa auto insurance agents
Some people prefer to sit down with an agent and that is not a bad decision Professional agents can point out coverage gaps and help submit paperwork. A nice benefit of comparing insurance prices online is the fact that drivers can get the best rates but also keep your business local.
Upon completion of this short form, your insurance coverage information is emailed to insurance agents in Tampa who will give you quotes for your auto insurance coverage. You won’t even need to drive around since rate quotes are delivered to you directly. If you want to get a price quote for a specific company, feel free to go to their quote page and complete a quote there.
Deciding on a insurer is decision based upon more than just the premium amount. Ask your prospective agent these questions:
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Does the agent have a valid license to sell insurance in Florida?
- Do they offer claims assistance after hours?
- Is the quote a firm price?
- Is the agency involved in supporting local community causes?
- Do they regularly work with personal auto policies in Tampa?
When looking for a good Tampa insurance agent, it helps to know the two different agency structures from which to choose. Auto insurance agencies are classified as either independent or exclusive. Either type can handle auto insurance, but it’s worth mentioning the difference in the companies they write for because it may have an impact on your selection of an agent.
Exclusive Insurance Agents
Agents that choose to be exclusive write business for a single company and examples are AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents are unable to place coverage with different providers so they have no alternatives for high prices. Exclusive agents are usually quite knowledgeable in insurance sales which helps them sell on service rather than price.
The following is a list of exclusive agents in Tampa who may provide you with price quotes.
State Farm: Jeff Ralph
11014 N Dale Mabry Hwy #501 – Tampa, FL 33618 – (813) 969-3331 – View Map
Doug MacDaid – State Farm Insurance Agent
8910 N Dale Mabry Hwy #3 – Tampa, FL 33614 – (813) 935-2937 – View Map
Shirin Khorsandian – State Farm Insurance Agent
2734 E Fowler Ave, Ste A – Tampa, FL 33612 – (813) 971-6060 – View Map
Independent Agents (or Brokers)
Independent agents are not limited to a single company so they have the ability to put coverage with any number of different companies enabling the ability to shop coverage around. If your agent finds better pricing, they can switch companies in-house which is easy for the insured.
If you need cheaper auto insurance rates, you will want to include rate quotes from multiple independent agents for maximum quote selection.
Below are Tampa independent agencies willing to provide price quotes.
Northside Insurance Agency
14009 N Dale Mabry Hwy – Tampa, FL 33618 – (813) 960-5225 – View Map
Ken Anthony Insurance Agency – Affinity Insurance
8010 N 56th St – Tampa, FL 33617 – (813) 251-8685 – View Map
Carron Insurance Agency, Inc
1010 W Cass St – Tampa, FL 33606 – (813) 926-0512 – View Map
If you feel you receive positive feedback for all questions you ask as well as a price you’re happy with, chances are good that you have found a car insurance agent that can be trusted to service your policy.
More quotes mean more insurance savings
Affordable Chevy Avalanche insurance in Tampa is attainable on the web as well as from independent agents in Tampa, and you should be comparing both in order to have the best chance of saving money. Some insurance companies do not provide internet price quotes and most of the time these smaller companies prefer to sell through independent insurance agencies.
When shopping online for insurance, do not buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice comprehensive coverage or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy enough coverage at the best price, but do not skimp to save money.
For more information, feel free to browse the resources below:
- Auto Insurance for Teen Drivers (Insurance Information Institute)
- How Much is Auto Insurance for 4×4 Vehicles in Tampa? (FAQ)
- How Much are Car Insurance Rates for Drivers with a DUI in Tampa? (FAQ)
- Who Has Cheap Tampa Auto Insurance for a Toyota Tacoma? (FAQ)
- How Much are Tampa Car Insurance Quotes for Used Cars? (FAQ)
- How Much is Tampa Car Insurance for a Nissan Versa? (FAQ)
- Who Has Cheap Auto Insurance for a School Permit in Tampa? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Drivers Over Age 70 in Tampa? (FAQ)
- What Auto Insurance is Cheapest for a Ford Fusion in Tampa? (FAQ)
- Who Has the Cheapest Tampa Auto Insurance for Drivers with Good Credit? (FAQ)
- Who Has Affordable Car Insurance Quotes for a Nissan Altima in Tampa? (FAQ)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Rollover Crash FAQ (iihs.org)