Cheap Quotes for Chevy Avalanche Insurance in Colorado Springs

The easiest way to get the cheapest auto insurance rates in Colorado Springs is to start comparing prices yearly from insurers in Colorado.

• First, spend a few minutes and learn about how insurance works and the changes you can make to keep rates down. Many things that cause rate increases like speeding and a not-so-good credit score can be remedied by making lifestyle changes or driving safer.
• Second, compare prices from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from a single company like Progressive or State Farm, while independent agencies can provide rate quotes for a wide range of insurance providers.
• Third, compare the price quotes to your existing policy and determine if there is any savings. If you find better rates and change companies, ensure coverage does not lapse between policies.
• Fourth, give proper notification to your current agent or company of your intent to cancel your current car insurance policy and submit a down payment along with a completed application to the newly selected company. As soon as you receive it, put the proof of insurance certificate in your vehicle.

One thing to point out is to make sure you enter identical limits and deductibles on each quote request and and to get rates from every company you can. Doing this guarantees an apples-to-apples comparison and a complete selection of prices.

Unfortunately, the vast majority of drivers renewed their policy with the same company for a minimum of four years, and approximately 40% of consumers have never quoted rates to find affordable coverage. Colorado drivers could save approximately 35% each year, but they don’t know the rate savings if they bought a different policy.

Shopping around for the cheapest car insurance coverage in Colorado Springs is simple if you know the tricks. If you are insured now or just want a better rate, use these techniques to save money while maximizing coverage. Smart buyers just need to use the fastest way to compare prices online.

Reducing your Chevy Avalanche insurance rates is an easy way to save money. Drivers just need to take the time comparing rates from some recommended companies.

The companies shown below have been selected to offer free quotes in Colorado. To locate the best car insurance in Colorado Springs, we suggest you visit two to three different companies to find the most affordable car insurance rates.

Three main reasons to buy car insurance

Even though Colorado Springs Avalanche insurance rates can get expensive, paying for car insurance is a good idea for several reasons.

• Just about all states have minimum liability requirements which means it is punishable by state law to not carry a specific level of liability coverage in order to get the vehicle licensed. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
• If you have a lien on your Chevy Avalanche, more than likely the lender will force you to buy full coverage to guarantee payment of the loan. If you let the policy lapse, the bank will be required to insure your Chevy at a significantly higher premium and make you pay for it.
• Car insurance protects both your assets and your vehicle. It will also pay for many types of medical costs for not only you but also any passengers injured in an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, your car insurance policy will pay to repair the damage.

The benefits of buying enough insurance are without a doubt worth the cost, particularly for liability claims. According to a 2015 survey, the average American driver is overpaying over $825 a year so you should quote and compare rates at every renewal to help ensure money is not being wasted.

Coverage information

The rate information shown next covers detailed analysis of insurance policy prices for Chevy Avalanche models. Having a good grasp of how insurance prices are figured is important to be able to make smart choices when buying a policy.

Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Rates do not factor in specific location information which can change prices considerably.

Can higher deductibles save money?

One of the most common auto insurance questions is how high or low should comp and collision deductibles be. The tables below can help you visualize the rate differences of buying low and high comp and collision deductibles. The first rate table uses a $100 physical damage coverage deductible and the second price chart uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Rates do not factor in specific Colorado Springs garaging location which can lower or raise coverage rates considerably.

Based on the above data, using a $100 deductible will cost in the ballpark of $40 more each month or $480 for a full year than choosing the higher $1,000 deductible. Since you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 23 months between claims, you would save money if you decide on a higher deductible.

Safe drivers pay less for auto insurance

The information below illustrates how traffic citations and accidents can drive up Chevy Avalanche insurance rates for different age groups. The costs are based on a married male driver, comp and collision included, $250 deductibles, and no other discounts are factored in.

Chevrolet Avalanche liability-only versus full coverage

The chart below compares Chevy Avalanche insurance prices when comparing full coverage to state minimum liability only. The prices are based on no claims or driving citations, $250 deductibles, single status, and no discounts are taken into consideration.

When to eliminate full coverage

There is no definitive formula to drop physical damage insurance, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let’s assume your Chevy Avalanche replacement value is $9,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, you would only receive $8,000 after paying the physical damage deductible. If premium cost is more than $800 a year for physical damage coverage, then you may want to consider only buying liability coverage.

There are some situations where eliminating full coverage is not advised. If you still have a lienholder on your title, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not remove full coverage.

Get cheaper rates by applying discounts

Some insurers don’t always publicize the complete list of policy discounts in a way that’s easy to find, so the below list has both well-publicized as well as some of the hidden discounts that you can inquire about if you buy Colorado Springs car insurance online.

• Switch and Save Discount – A few insurance companies allow discounts for signing up before your current expiration date. It could save around 10% when you buy Colorado Springs car insurance online.
• Senior Discount – Drivers that qualify as senior citizens may qualify for a slight reduction on a Colorado Springs car insurance quote.
• Telematics Devices – Drivers who elect to allow data collection to spy on where and when they drive by using a telematics device like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they exhibit good driving behavior.
• Driver Safety – Taking time to complete a driver safety course could possibly earn you a 5% discount if you qualify.
• Homeowners Savings – Just owning your own home can help you save on car insurance because maintaining a house is proof that your finances are in order.
• Good Student Discount – This discount may save as much as 25% on a Colorado Springs car insurance quote. Many companies even apply the discount to college students well after school through age 25.
• Multiple Policy Discount – When you have multiple policies and insure them with the same company you could get a discount of as much as 10 to 15 percent.
• Waiver for an Accident – Not a discount per se, but companies like Liberty Mutual and GEICO will allow you to have one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Most cut specific coverage prices like comprehensive or collision. So when it seems like all those discounts means the company will pay you, you won’t be that lucky. But all discounts will lower your policy premiums.

The example below compares Chevy Avalanche car insurance costs with and without discounts being applied to the rates. The information is based on a male driver, a clean driving record, no at-fault accidents, Colorado state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-car, safe-driver, multi-policy, and homeowner discounts applied.

Some of the larger companies that may offer quotes with some of the above discounts possibly include:

• State Farm
• Farmers Insurance
• Progressive
• GEICO
• Auto-Owners Insurance
• The Hartford
• Farm Bureau
• USAA

If you need lower rates, check with each company or agent which discounts they offer. Some of the earlier mentioned discounts might not be offered in Colorado Springs. If you would like to see a list of insurance companies that offer some of these discounts in Colorado, click here to view.

You may want advice from a local insurance agent

Many drivers would rather get advice from a local agent and that is not a bad decision Good agents are trained risk managers and help you file claims. One of the benefits of comparing car insurance online is that drivers can save money and get cheap car insurance rates but still work with a licensed agent. And buying from neighborhood insurance agencies is definitely important in Colorado Springs.

To find an agent, once you fill out this simple form, your information is submitted to companies in Colorado Springs that can provide free Colorado Springs car insurance quotes for your car insurance coverage. It simplifies rate comparisons since you won’t have to search for an agent due to the fact that quote results will go to you. If you have a need to quote rates from a specific insurance company, you just need to find their quoting web page and fill out the quote form the provide.

If you prefer to buy car insurance from an insurance agent, it helps to know the two types of insurance agents and how they can quote your rates. Car insurance agencies are either exclusive or independent. Either type can do a good job, but it is important to understand the subtle differences since it can affect the kind of agent you use.

Independent Car Insurance Agencies or Brokers

These type of agents are appointed with more than one company and that allows them to write policies with a variety of different insurance companies and potentially find a lower price. To move your coverage to a new company, they simply move the coverage in-house and that require little work on your part.

If you are comparing car insurance prices, we recommend you get some free quotes from at a minimum one independent agency in order to compare the most rates. Most can insure with smaller companies that many times have cheaper rates.

Shown below is a short list of independent agencies in Colorado Springs who may be able to give you free rate quotes.

• Six and Geving Insurance Inc
  3630 Sinton Rd # 200 – Colorado Springs, CO 80907 – (719) 590-9990 – View Map
• Springs Insurance Brokers
  1837 Austin Bluffs Pkwy #101 – Colorado Springs, CO 80918 – (719) 268-1300 – View Map
• Insurance Network of Co
  2525 W Pikes Peak Ave # C – Colorado Springs, CO 80904 – (719) 635-9720 – View Map

More Colorado Springs agents

Exclusive Insurance Agencies

Agents in the exclusive channel can only provide one company’s prices and some examples include Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents are unable to provide rate quotes from other companies so you might not find the best rates. Exclusive agents are usually quite knowledgeable in insurance sales which helps offset the inability to provide other markets. Drivers often use the same exclusive agent mostly because of the prominent brand name rather than having low rates.

Below are exclusive agencies in Colorado Springs that are able to give rate quotes.

• American Family Insurance – Ed Reed
  202 E Cheyenne Mountain Blvd k – Colorado Springs, CO 80906 – (719) 540-8400 – View Map
• Lee Ann Moore – State Farm Insurance Agent
  3649 Star Ranch Rd – Colorado Springs, CO 80906 – (719) 540-9520 – View Map
• Allstate Insurance: Wermers Agency Inc
  1283 Kelly Johnson Blvd – Colorado Springs, CO 80920 – (719) 471-6777 – View Map

More Colorado Springs agents

Finding a good car insurance agent should depend on more than just a low price. Any agent in Colorado Springs should have no problem answering these questions:

• How does the company pay claims for a total loss?
• Is the agency active in community causes in Colorado Springs?
• Are they in the agency full-time?
• Does the agency have a good rating with the Better Business Bureau?
• Is the quote a firm price?
• Will they make sure you get an adequate claim settlement?
• Is the agent CPCU or CIC certified?

Will just any policy work for me?

Always keep in mind that when comparing your policy for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that
For instance, these questions could help you determine whether your personal situation would benefit from professional advice.

• Is my babysitter covered when using my vehicle?
• What are the liability requirements in my state?
• What if I total my Chevy Avalanche and owe more than it’s worth?
• Am I covered if I crash into my own garage door?
• What is high-risk coverage and where do I buy it?
• Are my custom wheels covered?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

One last note

Discount Chevy Avalanche insurance in Colorado Springs is available both online as well as from insurance agents, and you should compare rates from both to get a complete price analysis. Some insurance companies may not provide online price quotes and these regional carriers provide coverage only through independent agencies.

We’ve covered a lot of ways to get a better price on Chevy Avalanche insurance in Colorado Springs. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. Drivers may even discover the lowest priced insurance comes from a small local company. Regional companies may often insure only within specific states and give better rates than the large multi-state companies such as Allstate, GEICO and Progressive.

When you buy Colorado Springs car insurance online, you should never sacrifice coverage to reduce premiums. In many cases, an insured dropped full coverage and learned later they didn’t purchase enough coverage. Your strategy should be to purchase a proper amount of coverage at a price you can afford, but do not sacrifice coverage to save money.

More tips and info about insurance can be read by following these links:

• New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
• Who Has the Cheapest Auto Insurance Rates for a Jeep Wrangler in Colorado Springs? (FAQ)
• Who Has Cheap Auto Insurance Quotes for Veterans in Colorado Springs? (FAQ)
• Who Has Affordable Colorado Springs Car Insurance for a Nissan Altima? (FAQ)
• How Much is Colorado Springs Car Insurance for Ride Shares? (FAQ)
• Vehicle Insurance in the U.S. (Wikipedia)
• Medical Payments Coverage (Liberty Mutual)
• Frontal Crash Tests (iihs.org)