Are you regretting the purchase of high-priced Chevy Avalanche insurance in Boston? Trust us, there are lots of people in the same boat.
It’s safe to conclude that car insurance companies don’t want you to compare rates. Consumers who shop around for better prices are inclined to switch companies because the odds are good of finding lower rate quotes. A recent insurance study discovered that drivers who routinely shopped for cheaper coverage saved about $850 each year compared to people who never shopped for cheaper rates.
If saving the most money on Chevy Avalanche insurance is your ultimate goal, understanding how to get free comparison quotes and analyze cheaper coverage can help simplify the task of finding more affordable coverage. Vehicle owners have so many insurance companies to choose from, and even though it’s nice to be able to choose, having more insurers makes it harder to compare rates and cut insurance costs.
Finding the cheapest insurance coverage in Boston can be easy if you know a few tricks. If you have a current insurance policy, you will be able to get lower rates using the techniques presented in this article. Smart buyers just have to learn the proper methods to buy insurance from many different companies online.
Chevy Avalanche detailed coverage information
The data table displayed next covers different insurance coverage prices for Chevy Avalanche models. Having a better idea how policy rates are figured can be useful when making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalanche LS 2WD | $180 | $274 | $418 | $24 | $126 | $1,022 | $85 |
| Avalanche LT 2WD | $180 | $322 | $418 | $24 | $126 | $1,070 | $89 |
| Avalanche LS 4WD | $180 | $322 | $418 | $24 | $126 | $1,070 | $89 |
| Avalanche LT 4WD | $180 | $322 | $418 | $24 | $126 | $1,070 | $89 |
| Avalanche LTZ 2WD | $200 | $322 | $418 | $24 | $126 | $1,090 | $91 |
| Avalanche LTZ 4WD | $200 | $322 | $418 | $24 | $126 | $1,090 | $91 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Table data does not factor in Boston location which can raise or lower premiums substantially.
The illustration below demonstrates how choosing different deductibles and can affect Chevy Avalanche yearly insurance costs for each age group. The premiums assume a single male driver, comp and collision included, and no discounts are applied.
How accidents and violations affect rates
The chart below demonstrates how citations and at-fault fender-benders can increase Chevy Avalanche premium costs for different ages of insureds. The prices are based on a single female driver, full coverage, $500 deductibles, and no policy discounts are applied.
Male drivers compared to female drivers
The chart below shows the difference between Chevy Avalanche annual premium costs for male and female drivers. The price estimates are based on no claims or violations, comp and collision included, $1,000 deductibles, single marital status, and no additional discounts are factored in.
Chevrolet Avalanche liability-only versus full coverage
The illustration below compares Chevy Avalanche premium costs with and without full coverage. The data assumes no claims or violations, $100 deductibles, single marital status, and no other discounts are factored in.
When to stop paying for full coverage
There is no clear-cut formula to stop paying for physical damage coverage, but there is a broad guideline. If the annual cost of coverage is about 10% or more of the settlement you would receive from your company, then you may want to consider only buying liability coverage.
For example, let’s say your Chevy Avalanche claim settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $5,000 after the policy deductible has been paid. If you are paying more than $500 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.
There are some situations where only buying liability is not a good plan. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not opt for liability only.
Save a ton on Chevy Avalanche insurance in Boston with these eight insurance discounts
Buying insurance is not cheap, but companies offer discounts to help bring down the price. Most are applied when you get a quote, but lesser-known reductions have to be asked for prior to receiving the credit.
- Professional Memberships – Being a member of specific professional or occupational memberships or organizations could qualify you for a break when getting a Boston car insurance quote.
- Lower Rates for Military – Being deployed with a military unit can result in better insurance rates.
- Theft Deterrent System – Anti-theft and alarm system equipped vehicles prevent vehicle theft and will save you 10% or more on Avalanche insurance in Boston.
- One Accident Forgiven – This one is not really a discount per se, but certain companies will allow you to have one accident without getting socked with a rate hike so long as you haven’t had any claims prior to the accident.
- Multiple Policy Discount – If you can bundle your home and auto insurance and insure them with the same company they may give you a discount of up to 20% off your total Avalanche insurance premium.
- Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents so companies give up to a 10% discount.
- New Vehicle Savings – Adding a new car to your policy can cost up to 25% less due to better safety requirements for newer models.
- Save over 55 – Mature drivers may be able to get a slight reduction on a Boston car insurance quote.
Don’t be shocked that most credits do not apply to the entire cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. Even though it appears you can get free auto insurance, it’s just not the way it works.
The information below illustrates the difference between Chevy Avalanche insurance costs with and without discounts being applied to the rates. The prices are based on a female driver, no violations or claims, Massachusetts state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, marriage, claim-free, multi-policy, and safe-driver discounts applied.
To find companies offering insurance discounts in Massachusetts, click here.
Insurance coverage considerations
Learning about specific coverages of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types offered by insurance companies.
Auto collision coverage
This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as sustaining damage from a pot hole, colliding with another moving vehicle, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to increase the deductible on your Avalanche to save money on collision insurance.
Liability coverages
This provides protection from damage that occurs to other people or property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 20/40/5 which stand for $20,000 bodily injury coverage, a total of $40,000 of bodily injury coverage per accident, and a total limit of $5,000 for damage to vehicles and property.
Liability can pay for things such as medical services, medical expenses and structural damage. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford. Massachusetts requires minimum liability limits of 20/40/5 but it’s recommended drivers buy more liability than the minimum.
The next chart shows why buying minimum limits may not be enough.
Medical payments and PIP coverage
Medical payments and Personal Injury Protection insurance pay for bills for things like surgery, prosthetic devices and pain medications. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Avalanche.
Since many Massachusetts drivers only carry the minimum required liability limits (20/40/5), their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.
Comprehensive auto coverage
Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like hail damage, damage from getting keyed, fire damage, damage from flooding and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
What is the best car insurance company in Boston?
Ending up with the highest-rated car insurance provider can be rather challenging considering how many different companies sell coverage in Boston. The information in the lists below may help you pick which car insurance companies you want to consider when comparing rate quotes.
Top 10 Boston Car Insurance Companies Ranked by Value
- The General
- The Hartford
- Farmers Insurance
- Titan Insurance
- Mercury Insurance
- 21st Century
- Safeco Insurance
- AAA Insurance
- State Farm
- Travelers
Top 10 Boston Car Insurance Companies Ranked by Customer Service
- Mercury Insurance
- Titan Insurance
- The Hartford
- American Family
- Progressive
- USAA
- Travelers
- State Farm
- GEICO
- Allstate
Affordable insurance rates are possible
Cheaper Chevy Avalanche insurance in Boston is attainable online as well as from independent agents in Boston, so get free Boston car insurance quotes from both of them to have the best chance of lowering rates. A few companies do not provide online price quotes and most of the time these small insurance companies prefer to sell through independent insurance agencies.
You just read many tips how you can reduce Chevy Avalanche insurance premium rates online in Boston. The most important thing to understand is the more price quotes you have, the better likelihood of getting cheaper Boston car insurance quotes. Consumers may even find the lowest premium rates come from a small local company. Some small companies may often insure only within specific states and give better rates compared to the large companies like Allstate and Progressive.
Steps to buying low-cost Chevy Avalanche insurance in Boston
Really, the only way to find low-cost prices for Chevy Avalanche insurance is to start comparing prices yearly from different companies who sell insurance in Boston. Rates can be compared by completing these steps.
- Step 1: Gain an understanding of car insurance and the steps you can take to keep rates low. Many factors that are responsible for high rates like distracted driving and poor credit can be rectified by improving your driving habits or financial responsibility.
- Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from a single company like GEICO or Allstate, while independent agencies can provide rate quotes from multiple insurance companies. Start a quote
- Step 3: Compare the new rate quotes to your existing rates and see if you can save money. If you find a lower rate quote and switch companies, make sure there is no lapse in coverage.
A tip to remember is to try to compare identical limits and deductibles on each quote and and to get price estimates from as many different companies as possible. This guarantees an apples-to-apples comparison and a thorough price selection.
Other resources
- Top Signs Your Brakes are Giving Out (State Farm)
- Who Has Cheap Boston Car Insurance Rates for Retired Military? (FAQ)
- Who Has Affordable Boston Car Insurance for Drivers with Good Credit? (FAQ)
- Who Has Cheap Car Insurance Quotes for Inexperienced Drivers in Boston? (FAQ)
- How Much are Auto Insurance Quotes for a Hyundai Elantra in Boston? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Low Income Drivers in Boston? (FAQ)
- Bodily Injury Coverage (Liberty Mutual)
- Older Driver Statistics (Insurance Information Institute)