Compare Chevy Avalanche Insurance Rates in Seattle

Would you like to stop overpaying and find lower-priced car insurance rates in Seattle, WA? Seattle drivers have a choice when trying to find low-cost Chevy Avalanche insurance. They can either waste time contacting agents trying to get quotes or use the internet to find the lowest rates. There are both good and bad ways to compare car insurance rates and you need to know the quickest way to compare rates for your Chevy and find the best price possible either online or from Seattle insurance agents.

It’s smart to do rate comparisons on a regular basis because rates go up and down regularly. Despite the fact that you may have had the lowest premium rates on Chevy Avalanche insurance in Seattle a couple years back you will most likely find a better price today. You can search a lot of Avalanche insurance on the internet, but by reading this article, you’re going to learn some great ways to find cheap car insurance in Seattle.

Getting cheaper Chevy Avalanche insurance pricing is pretty simple and can save money. All you need to do is spend a few minutes to compare rate quotes provided by online insurance companies.

The companies shown below offer price quotes in Seattle, WA. If the list has multiple companies, we suggest you visit several of them to get the cheapest price.

Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Premium costs do not factor in vehicle garaging location which can alter coverage rates greatly.

Can higher deductibles save money?

One common question asked by Seattle drivers is at what level do you set your deductibles. The following tables highlight the rate fluctuation between high and low physical damage coverage deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second set of prices uses a $1,000 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, multi-policy, and safe-driver. Rate information does not factor in the specific area where the vehicle is garaged which can modify premiums considerably.

Based on the above data, using a $250 deductible costs approximately $24 more each month or $288 every year than buying the higher $1,000 deductible. Because you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 31 months between claim filings, you would most likely save money if you choose the higher deductible. The illustration below shows a better example of how this determination is made.

One important caveat is that increasing deductibles to save money means you will have to pay more if you have a claim. It will be required that you have some extra savings in order to pay the deductible.

Chevrolet Avalanche liability rates compared to full coverage

The information below shows the difference between Chevrolet Avalanche insurance premiums with and without full coverage. The costs are based on no claims or violations, $100 deductibles, single female driver, and no discounts are factored in.

When to stop paying for full coverage

There is no definitive rule to stop buying physical damage coverage on your policy, but there is a general convention. If the yearly cost of full coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.

For example, let’s say your Chevrolet Avalanche replacement cost is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $2,000 after paying your deductible. If you are paying in excess of $200 a year for full coverage, then it may be the right time to buy liability only.

There are some situations where dropping full coverage is not financially feasible. If you still have a loan on your vehicle, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.

Check for these premium slashing discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available that many people don’t even know exist. Some of these discounts will be visible at quote time, but once in a while a discount must be specifically requested before you will receive the discount.

• First Accident Forgiveness – This one isn’t a discount, but a few companies such as State Farm and Allstate permit an accident without getting socked with a rate hike if your claims history is clear for a particular time prior to the accident.
• Safe Driver Discounts – Insureds without accidents can save as much as half off their rates than drivers with accident claims.
• Save with More Vehicles Insured – Insuring multiple vehicles on a single policy can reduce the rates for all insured vehicles.
• Government Employee Discount – Having worked for a branch of the government may reduce rates when you quote Seattle car insurance but check with your company.
• Paperwork-free – Many insurance companies will give a small break for buying a policy and signing up on your computer.
• Military Discounts – Having a deployed family member may qualify for rate reductions.
• Low Miles Discount – Driving fewer miles may enable drivers to earn substantially lower rates.

Policy discounts save money, but most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

Some of the larger companies that may have some of the above discounts possibly include:

• American Family
• Farm Bureau
• State Farm
• Travelers
• The Hartford
• GEICO
• Progressive

It’s a good idea to ask all the companies how you can save money. Depending on the company, some discounts might not be offered in Seattle. To see providers offering car insurance discounts in Washington, click here to view.

Chevy Avalanche Insurance Rate Factors

One of the most helpful ways to save on car insurance is to to have a grasp of the different types of things that go into determining the price you pay for car insurance. If you know what controls the rates you pay, this allows you to make educated decisions that can help you get big savings.

• Prices and job – Did you know your career choice can influence rates? Jobs like doctors, police officers, and accountants tend to have higher rates than the rest of us because of high stress and incredibly demanding work hours. On the flip side, jobs like professors, students and the unemployed generally pay rates lower than average.
• Too many insurance claims will drive prices up – If you tend to file frequent claims, don’t be surprised to see much higher rates or policy non-renewal. Insurance companies in Washington give cheaper rates to insureds who only file infrequent claims. Your insurance policy is meant to be used in the event of more catastrophic claims.
• Your address can impact price – Choosing to live in smaller towns and rural areas of the country has definite advantages when talking about car insurance. People who live in big cities tend to have more auto accidents and longer commute times. Fewer people translates into fewer accidents.
• Save money with good credit – Your credit rating will be a significant factor in determining premium rates. If your credit could use some work, you may save money insuring your Chevrolet Avalanche by improving your credit score. People with high credit ratings tend to file fewer claims than drivers who have worse credit.
• Optional features can affect car insurance rates – Buying a car with a theft deterrent system can save you a little every year. Theft prevention features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent auto theft and help lower rates.
• Discounts for multiple policies – Lots of insurance companies allow a discount to customers who have multiple policies with them, otherwise known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even if you qualify for this discount already, you still need to compare Chevy Avalanche rates in Seattle to verify if the discount is saving money.
• Males pay higher premiums – The statistics show that females take fewer risks when driving. However, don’t assume that females are better at driving than males. Both sexes are in fender benders at a similar rate, but males have costlier accidents. Men also get ticketed for serious violations like DUI and reckless driving. Teenage male drivers tend to get in the most accidents so they pay the highest premiums.
• Never have car insurance policy lapses – Having a gap between insurance policy dates can be a guaranteed way to pay more for car insurance. And not only will insurance be more expensive, being ticketed for driving with no insurance might get you a hefty fine and possibly a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with the Washington DMV.

Can’t I compare prices from local Seattle auto insurance agents?

Some people still prefer to buy from a licensed agent and that is a personal choice. Professional agents can help determine the best coverages and help in the event of a claim. The biggest benefit of price shopping on the web is you may find the best rates and also buy local.

Upon completion of this short form, your information is immediately sent to insurance agents in Seattle that can give you free Seattle car insurance quotes for your coverage. It simplifies rate comparisons since you won’t have to leave your computer since rate quotes are delivered to you directly. In the event you want to quote rates from a specific insurance company, feel free to go to their quote page and fill out the quote form the provide.

Selecting a company should depend on more than just the quoted price. Any agent in Seattle should be willing to answer these questions.

• Can you contact them at any time?
• Can they provide you with a list of referrals?
• Is the agent CPCU or CIC certified?
• Where would your vehicle be repaired?
• Do they have any clout with companies to ensure a fair claim settlement?
• Is the agency active in community causes in Seattle?

The following is a short list of insurance companies in Seattle that are able to give price quotes for Chevy Avalanche insurance in Seattle.

• Charles Cohen – State Farm Insurance Agent
  9750 Greenwood Ave N #104 – Seattle, WA 98103 – (206) 784-5151 – View Map
• Vern Fonk
  10301 Aurora Ave N – Seattle, WA 98133 – (206) 408-5098 – View Map
• Brian Chambers – State Farm Insurance Agent
  3206 16th Ave W – Seattle, WA 98119 – (206) 285-3003 – View Map
• Alex Bagdasarov – State Farm Insurance Agent
  4719 University Way NE #202 – Seattle, WA 98105 – (206) 946-1986 – View Map

More insurance agents

When should I discuss my situation with an agent?

When quoting and choosing proper insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Your needs are unique to you.

Here are some questions about coverages that may help highlight whether you may require specific advice.

• What is no-fault insurance?
• When should I remove my kid from my policy?
• How high should deductibles be on a Chevy Avalanche?
• Will I be non-renewed for getting a DUI or other conviction?
• What is roadside assistance coverage?
• Do I need special coverage while pulling a rented trailer?
• What if I don’t agree with a claim settlement offer?
• Who sells insurance for high-risk drivers?
• What is an adequate liability insurance limit?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Compare. Compare. Compare.

Low-cost Chevy Avalanche insurance in Seattle is possible on the web and from local agencies, so you need to shop Seattle car insurance with both so you have a total pricing picture. Some insurance providers may not offer online rate quotes and usually these small insurance companies work with independent agencies.

When shopping online for car insurance, make sure you don’t buy less coverage just to save a little money. In too many instances, an insured dropped liability coverage limits only to regret at claim time that the savings was not a smart move. The goal is to find the BEST coverage at an affordable rate but still have enough coverage for asset protection.

Drivers change insurance companies for many reasons like delays in paying claims, an unsatisfactory settlement offer, unfair underwriting practices and poor customer service. Regardless of your reason, finding a new car insurance company is not as hard as you think.

More information can be read at these links:

• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Who Has the Cheapest Seattle Car Insurance for a School Permit? (FAQ)
• What Auto Insurance is Cheapest for Retired Military in Seattle? (FAQ)
• What Insurance is Cheapest for a Toyota Corolla in Seattle? (FAQ)
• What if I Can’t Find Coverage? (Insurance Information Institute)
• Older Driver Statistics (Insurance Information Institute)
• Keeping Children Safe in Crashes Video (iihs.org)
• Understanding your Policy (NAIC.org)