When shopping for cheaper insurance, are you frustrated by the sheer number of insurance providers available to you? Lot’s of other drivers are too. People have such a large number of options that it can easily turn into a difficult challenge to compare rates on Chevy Avalanche insurance. Lots of people think Jacksonville is a great city to raise a family in, but budgeting for expensive insurance makes it very hard to afford coverage.
We don’t have to tell you that car insurance companies don’t want you to look at other companies. Drivers who compare rates annually are highly likely to switch to a new company because they have a good chance of finding a more affordable policy. Remarkably, a study showed that drivers who routinely shopped for cheaper coverage saved over $3,450 over four years as compared to drivers who never compared other company’s rates.
If finding the lowest rates on car insurance is your target objective, then having an understanding of how to shop and compare coverages can help you be more efficient.
Companies offering Chevy Avalanche insurance in Jacksonville
The companies shown below are ready to provide price comparisons in Florida. If the list has multiple companies, we recommend you visit as many as you can in order to find the most competitive rates.
Insurance rate breakdown
The data table below outlines a range of policy rates for Chevy Avalanche models. Being aware of how premiums are formulated can aid in making smart choices when purchasing an auto insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalanche LS 2WD | $228 | $364 | $490 | $30 | $146 | $1,258 | $105 |
| Avalanche LT 2WD | $228 | $428 | $490 | $30 | $146 | $1,322 | $110 |
| Avalanche LS 4WD | $228 | $428 | $490 | $30 | $146 | $1,322 | $110 |
| Avalanche LT 4WD | $228 | $428 | $490 | $30 | $146 | $1,322 | $110 |
| Avalanche LTZ 2WD | $254 | $428 | $490 | $30 | $146 | $1,348 | $112 |
| Avalanche LTZ 4WD | $254 | $428 | $490 | $30 | $146 | $1,348 | $112 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Prices do not factor in vehicle garaging location which can impact premium rates considerably.
Physical damage deductibles: Should you raise them?
One of the most common auto insurance questions is what deductibles to buy. The premium rates below show the costs and benefits when you buy lower versus higher policy deductibles. The first set of prices uses a $250 deductible for comp and collision and the second pricing 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 | |||||||
Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rates do not factor in Jacksonville location which can modify price quotes greatly.
Using the premium rates above, we can conclude that using a $250 deductible will cost you approximately $34 more each month or $408 every year averaged for all Avalanche models than buying the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you have more than 22 months between claim filings, you would more than likely save some money if you decide on a higher deductible.
How to calculate if higher deductibles make sense
| 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 big caveat is that a higher deductible results in having to pay to pay more out-of-pocket at claim time. That will require some non-essential savings in the event you need to pay the deductible to have repairs made.
The illustration below illustrates how choosing a deductible and can impact Chevy Avalanche insurance costs for different insured age categories. Data assumes a single female driver, comp and collision included, and no discounts are factored in.
Drive responsibly or pay higher rates
The example below illustrates how speeding tickets and fender-benders impact Chevy Avalanche yearly insurance costs for different age groups. The rate quotes are based on a single male driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.
Does full coverage make sense?
The example below illustrates the difference between Chevy Avalanche annual premium costs when comparing full coverage to state minimum liability only. The information is based on a clean driving record, no at-fault accidents, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.
Deciding between full coverage and liability only
There is no set guideline to exclude comprehensive and collision coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is more than about 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let’s assume your Chevy Avalanche replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $7,000 after the deductible is paid. If premium cost is more than $700 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are some circumstances where buying only liability insurance is not a good idea. If you still owe money on your vehicle, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.
Jacksonville insurance discounts for a Chevy Avalanche
Companies don’t necessarily list every discount available in a way that’s easy to find, so below is a list some of the best known and the harder-to-find insurance savings.
- Safe Drivers – Accident-free drivers can save up to 40% or more on their Jacksonville car insurance quote than their less cautious counterparts.
- Save over 55 – Drivers that qualify as senior citizens can possibly qualify for a discount up to 10%.
- No Accidents – Good drivers with no accidents can earn big discounts when compared to drivers with a long claim history.
- Military Rewards – Having an actively deployed family member may lower your rates slightly.
- Seat Belt Discounts – Drivers who require all vehicle occupants to use a seat belt can save 10% or more off the personal injury premium cost.
- Organization Discounts – Being in certain professional organizations can get you a small discount when getting a Jacksonville car insurance quote.
- Jacksonville Homeowners Pay Less – Owning a house in Jacksonville can earn you a little savings because maintaining a house is proof that your finances are in order.
- Theft Prevention System – Cars and trucks optioned with advanced anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
As a disclaimer on discounts, most credits do not apply to the entire policy premium. Some only apply to specific coverage prices like liability and collision coverage. Despite the appearance that it’s possible to get free car insurance, companies wouldn’t make money that way. Any amount of discount will definitely lower the amount you have to pay.
The example below shows the comparison of Chevy Avalanche insurance costs with and without discounts being applied to the rates. The premiums assume a male driver, a clean driving record, no claims, Florida 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, multi-car, multi-policy, safe-driver, claim-free, and homeowner discounts applied.
To find insurance companies who offer free Chevy Avalanche insurance quotes in Florida, click here to view.
Eight Tips to Get Cheap Jacksonville Insurance Rates
Lots of things are used in the calculation when pricing auto insurance. Some of the criteria are obvious such as your driving history, but others are less obvious such as whether you are married or how financially stable you are.
The items below are most of the major factors insurance companies consider when setting your premiums.
Rates are impacted by vehicle performance – The type of car you need insurance for makes a big difference in your premium level. Lower performance four cylinder passenger vehicles generally receive the lowest base rates, but that’s not the only thing that factors into the final price.
The chart below is based on a married male driver age 20, full coverage with $100 deductibles, and no discounts or violations. It shows Chevrolet Avalanche insurance rates compared to other makes and models that have different risk factors.
Safer vehicles save money – Cars with high safety ratings are cheaper to insure. Vehicles built for safety help reduce the chance of injuries in an accident and fewer serious injuries translates directly to fewer claims which can mean better rates for you.
Save money by having excellent credit – Having a good credit score is a large factor in calculating your insurance rates. Insureds with very high credit ratings tend to be better risks to insure than drivers with bad credit. So if your credit is low, you could be paying less to insure your Chevrolet Avalanche by taking the time to improve your credit score.
Big cities mean more claims – Choosing to live in a rural area can save you money when it comes to insurance. Lower population translates into fewer accident claims and lower theft and vandalism rates. People who live in big cities regularly have more auto accidents and longer commute times. Longer commute distances statistically corresponds to a higher accident and claim rate.
Alarm systems save money – Buying a car with anti-theft technology or alarm system can save you a little every year. Systems that thwart thieves such as OnStar, LoJack tracking, and tamper alarms can help prevent auto theft.
Insurance policy lapses lead to higher rates – Having a lapse in insurance coverage will be a fast way to increase your rates. In addition to paying higher premiums, getting caught without coverage may earn you a fine, jail time, or a revoked license. You may need to prove you have insurance by filing a SR-22 with the Florida motor vehicle department to get your license reinstated.
Increase deductibles and save – Protection for physical damage, also called ‘full coverage’, is used to repair damage to your vehicle. Some examples of claims that would be covered would be running into the backend of another car, flood damage, or theft. Deductibles for physical damage are the amount of money you are willing to pay if you file a covered claim. The more damage repair cost you pay before a claim is paid (deductible), the lower your rates will be.
Teen drivers cost more – Beginning drivers in Florida have a tendency to get distracted easily behind the wheel so insurance rates are higher. Having to add a inexperienced driver to your insurance policy can cause a big jump in price. Older people are proven to be safer behind the wheel, are lower risk to insure, and are safer drivers.
The data below assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.
Exclusive or independent car insurance agents
Some people prefer to visit with an insurance agent and that can be a great decision A good thing about getting free rate quotes online is the fact that drivers can get cheap car insurance rates and still have an agent to talk to.
To help locate an agent, after submitting this form (opens in new window), your insurance data is transmitted to participating agents in Jacksonville who will gladly provide quotes for your car insurance coverage. There is no need to contact any insurance agencies due to the fact that quote results will go immediately to you. You can find the lowest rates AND a local agent. If you need to quote rates for a specific company, you just need to find their quoting web page and fill out the quote form the provide.
Choosing a insurer should depend on more than just a low price. Before buying a policy in Jacksonville, get answers to these questions.
- Is every driver in your family covered?
- Is the agent properly licensed in Florida?
- What will you get paid if your car is a total loss? How is that amount determined?
- Can you use your own choice of collision repair facility?
- Are claim adjusters local or do you have to take your car somewhere else?
- Can glass repairs be made at your home?
If you want to use a good insurance agency, you should know the different types of agencies and how they can write your policy. Agencies in Jacksonville can be classified as either independent agents or exclusive agents depending on their employer.
Exclusive Agents
Agents in the exclusive channel normally can only provide a single company’s rates like Farmers Insurance or State Farm. Exclusive agents are unable to provide other company’s prices so keep that in mind. Exclusive agencies are trained well on sales techniques which can be an advantage. Some people will only use the same agent mainly due to the prominent brand name and the convenience of having all coverages with one company.
Shown below is a short list of exclusive agencies in Jacksonville that are able to give price quote information.
- Kathy Scott – State Farm Insurance Agent
6018 San Jose Blvd – Jacksonville, FL 32217 – (904) 730-3665 – View Map - David Beam – State Farm Insurance Agent
10400 San Jose Blvd Ste 2 – Jacksonville, FL 32257 – (904) 379-4156 – View Map - Bob Gibbs – State Farm Insurance Agent
5495 Fort Caroline Rd – Jacksonville, FL 32277 – (904) 744-2702 – View Map
Independent Agents (or Brokers)
These type of agents do not work for one specific company so as a result can place your coverage with an assortment of companies depending on which coverage is best. To transfer your coverage to a different company, your agent can just switch to a different company and you don’t have to do anything.
When comparing rates, you will want to compare prices from several independent agencies so that you have a good selection of quotes to compare. Many write coverage with less well-known companies that many times have cheaper rates.
Shown below are independent agencies in Jacksonville who can help you get price quote information.
- Rosetta’s Insurance Agency, Inc.
6715 Wilson Blvd – Jacksonville, FL 32210 – (904) 677-0441 – View Map - Mizell Insurance Agency
11893 New Kings Rd – Jacksonville, FL 32219 – (904) 764-3336 – View Map - Mike Bell Insurance Agency
1819 3rd St N – Jacksonville Beach, FL 32250 – (904) 372-2355 – View Map
Upon getting reasonable responses to any questions you have and a good coverage price, you have narrowed it down to an auto insurance agent that is a good match to service your policy. Just remember you can cancel your policy at any time so don’t assume that you are permanently stuck with any specific agency for a certain time period.
A little work can save a LOT of money
When buying insurance coverage, make sure you don’t reduce coverage to reduce premium. In many cases, an insured dropped collision coverage only to regret that it was a big mistake. Your goal is to buy a smart amount of coverage at the best cost.
Insureds who switch companies do it for many reasons like an unsatisfactory settlement offer, extreme rates for teen drivers, high prices and unfair underwriting practices. It doesn’t matter why you want to switch finding a new company can be less work than you think.
In this article, we presented a lot of ways to compare Chevy Avalanche insurance rates in Jacksonville. The most important thing to understand is the more companies you get car insurance rates for, the more likely it is that you will get a better rate. You may even be surprised to find that the biggest savings come from the least-expected company.
Steps to finding low-cost rates for Chevy Avalanche insurance in Jacksonville
The best way to find low-cost Chevy Avalanche insurance in Jacksonville is to annually compare prices from insurers that sell auto insurance in Florida. You can shop around by following these steps.
First, try to understand what coverages are included in your policy and the factors you can control to keep rates down. Many policy risk factors that result in higher prices such as traffic citations, accidents, and a less-than-favorable credit score can be controlled by making small lifestyle or driving habit changes.
Second, compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from one company like Progressive or Farmers Insurance, while independent agencies can provide price quotes from multiple companies.
Third, compare the price quotes to your current policy premium and determine if cheaper Avalanche coverage is available. If you find better rates, make sure there is no coverage gap between policies.
Fourth, provide notification to your current company of your intention to cancel your current policy and submit a down payment and signed policy application to your new insurance company. Immediately store the proof of insurance paperwork along with your vehicle registration.
A good piece of advice is to use similar coverage information on every price quote and and to compare every company you can. Doing this ensures a fair price comparison and maximum price selection.
More resources
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Who Has Affordable Car Insurance Quotes for Handicapped Drivers in Jacksonville? (FAQ)
- Who Has Cheap Car Insurance Rates for Drivers with a Bad Driving Record in Jacksonville? (FAQ)
- How Much are Jacksonville Auto Insurance Rates for 17 Year Olds? (FAQ)
- Who Has Cheap Car Insurance for Postal Workers in Jacksonville? (FAQ)
- Who Has Cheap Auto Insurance for a Subaru Impreza in Jacksonville? (FAQ)
- How Much is Jacksonville Auto Insurance for a Ford Escape? (FAQ)
- Things to Know Before you Cancel Insurance (Allstate)
- Side Impact Crash Tests (iihs.org)