The best way to find cheaper auto insurance rates is to regularly compare quotes from insurers who sell insurance in Dallas.
- Step 1: Take a few minutes and learn about individual coverages and the steps you can take to drop your rates. Many things that cause high rates such as speeding tickets, careless driving and your credit history can be improved by making minor changes to your lifestyle.
- Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like GEICO or State Farm, while independent agencies can provide prices from multiple insurance companies.
- Step 3: Compare the quotes to your existing rates to determine if switching companies saves money. If you can save money and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
A good tip to remember is that you’ll want to compare identical deductibles and limits on every quote and and to compare as many companies as feasibly possible. This enables an apples-to-apples comparison and a complete selection of prices.
We don’t have to point out that fact that auto insurance companies want to keep you from comparing prices. Consumers who compare other prices will probably switch companies because they have good chances of finding a more affordable policy premium. A survey found that drivers who compared rate quotes regularly saved $3,500 over four years compared to those who never shopped around for cheaper prices.
If finding the best rates on car insurance in Dallas is your ultimate objective, understanding how to get price quotes and compare insurance premiums can save money and time.
The car insurance companies shown below provide free quotes in Dallas, TX. If multiple companies are listed, we suggest you compare several of them to find the most affordable car insurance rates.
Don’t overlook these Chevy Avalanche insurance discounts
Car insurance can be pricey, but you may qualify for discounts that could help you make your next renewal payment. Some trigger automatically at quote time, but lesser-known reductions have to be asked for before you will receive the discount. If you check and find you aren’t receiving every discount you deserve, you are not getting the best rate possible.
- Pay Early and Save – If you pay your bill all at once rather than paying in monthly installments you may have a lower total premium amount.
- Drivers Education – Cut your cost by having your teen driver successfully take a driver’s education course in school or through a local driver safety program.
- Government Employees – Having worked for a branch of the government could cut as much as 10% off with a few car insurance companies.
- Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
- Early Renewal Discounts – A few larger companies allow discounts for switching companies prior to your current Avalanche insurance policy expiring. This discount can save up to 10%.
- Paperwork-free – A few insurance companies will give you a small discount simply for signing on the internet.
- Telematics Discount – People who choose to allow their insurance company to track driving patterns by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they exhibit good driving behavior.
- Theft Deterrent – Vehicles that have factory alarm systems and tracking devices can help prevent theft and that can save you a little bit as well.
- Clubs and Organizations – Affiliation with certain professional organizations can get you a small discount on your next renewal.
A quick disclaimer, some credits don’t apply to all coverage premiums. Most only reduce individual premiums such as liability and collision coverage. Even though the math looks like you could get a free car insurance policy, company stockholders wouldn’t be very happy.
The diagram below shows the difference between Chevy Avalanche insurance rates with and without discounts applied to the policy premium. The data assumes a female driver, no violations or accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, homeowner, safe-driver, multi-policy, and multi-car discounts applied.
A list of car insurance companies and some of the discounts are:
- State Farm offers discounts including driver’s education, Steer Clear safe driver discount, student away at school, accident-free, passive restraint, and good student.
- American Family may offer discounts for bundled insurance, TimeAway discount, Steer into Savings, multi-vehicle, and defensive driver.
- AAA has discounts for AAA membership discount, education and occupation, anti-theft, pay-in-full, multi-car, and multi-policy.
- GEICO offers premium reductions for daytime running lights, emergency military deployment, federal employee, seat belt use, and defensive driver.
- Mercury Insurance includes discounts for age of vehicle, location of vehicle, good student, multi-policy, multi-car, good driver, and low natural disaster claims.
- Farmers Insurance discounts include teen driver, homeowner, switch companies, business and professional, pay in full, alternative fuel, and early shopping.
- Progressive may have discounts that include online quote discount, multi-policy, online signing, homeowner, continuous coverage, and multi-vehicle.
When getting a coverage quote, ask each company or agent how many discounts you can get. A few discounts might not be offered everywhere. To find insurance companies that offer many of these discounts in Texas, click this link.
Insurance data for a Chevy Avalanche
The table displayed next highlights different insurance rates for Chevy Avalanche models. Being able to understand how rate quotes are formulated is important for you to make informed decisions when comparing rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Avalanche LS 2WD||$322||$486||$486||$28||$146||$1,468||$122|
|Avalanche LT 2WD||$322||$572||$486||$28||$146||$1,554||$130|
|Avalanche LS 4WD||$322||$572||$486||$28||$146||$1,554||$130|
|Avalanche LT 4WD||$322||$572||$486||$28||$146||$1,554||$130|
|Avalanche LTZ 2WD||$360||$572||$486||$28||$146||$1,592||$133|
|Avalanche LTZ 4WD||$360||$572||$486||$28||$146||$1,592||$133|
|Get Your Own Custom Quote Go|
Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Price information does not factor in specific location information which can raise or lower auto insurance rates significantly.
The illustration below highlights how deductible choice and can change Chevy Avalanche annual premium costs for different age groups. Data assumes a married male driver, comprehensive and collision coverage, and no policy discounts are applied.
Liability only or full coverage
The diagram below shows the difference between Chevy Avalanche insurance costs with liability coverage only compared to full coverage. The data is based on no claims or driving violations, $100 deductibles, marital status is single, and no discounts are applied.
Deciding between full coverage and liability only
There isn’t a written rule of when to phase out physical damage coverage, but there is a general guideline. If the yearly cost of full coverage is more than about 10% of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s assume your Chevy Avalanche settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $2,000 after you pay the deductible. If you are paying more than $200 a year for your policy with full coverage, then it’s probably a good time to buy liability coverage only.
There are a few cases where only buying liability is not in your best interest. If you have an outstanding loan on your vehicle, you have to keep full coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not buy liability only.
Why Informed Consumers Pay Less for Chevy Avalanche Insurance
Many different elements are part of the calculation when pricing auto insurance. Some are pretty understandable like your driving record, but other factors are more obscure like your vehicle usage and annual miles driven.
Do you really need roadside assistance? – There are many extra coverages that may not really be needed if you don’t pay attention. Insurance for vanishing deductibles, accidental death, and extra equipment coverage may be wasting your money. They may sound like good ideas when buying your policy, but if you don’t need them remove them and pocket the money.
Big cities have higher rates – Residing in smaller towns and rural areas of the country is a good thing when shopping for auto insurance. People who live in big cities regularly have much more traffic and a longer drive to work. Fewer people means reduced accidents.
Gender impacts costs – Over the last 50 years, statistics have shown women are more cautious behind the wheel. It does not mean men are worse drivers. Males and females tend to get into at-fault accidents at about the same rate, but guys tend to have more serious accidents. Men also tend to receive more major tickets like DUI and reckless driving.
The example below shows the difference between Chevy Avalanche insurance rates for male and female drivers. The price estimates are based on no tickets, no at-fault accidents, full coverage, $500 deductibles, drivers are single, and no discounts are applied.
Employer and insurance rates – Did you know your occupation can influence how much you pay for auto insurance? Careers such as judges, police officers, and financial analysts are shown to have higher rates than the rest of us in part from intense work situations and long work days. On the other hand, jobs such as scientists, historians and retirees pay lower than average rates.
Drive lots and pay more – The higher the mileage driven every year the more it will cost to insure it. Most insurance companies charge rates determined by how the vehicle is used. Vehicles used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. A policy that improperly rates your Avalanche is just wasting money. It’s a good idea to make sure your auto insurance coverage shows the correct usage, because it can save money.
Good drivers pay the best rates – How you drive has a big impact on rates. Drivers who don’t get tickets receive lower rates as compared to those with violations. Having just one driving citation could increase your next policy renewal forty percent or more. Drivers with severe violations like DUI or willful reckless driving may find that they have to to complete a SR-22 with their state’s licensing department in order to drive a vehicle legally.
The example below illustrates how speeding tickets and accidents influence Chevy Avalanche annual premium costs for each different age category. The premiums assume a married male driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.
Youthful drivers pay high premiums – Older, more experienced drivers are shown to be more cautious, tend to cause fewer accidents, and get fewer tickets. Teenage drivers are statistically proven to be more careless when behind the wheel therefore auto insurance rates are much higher.
The chart below uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.