It takes a few minutes, but the best way to get low-cost Chevy Avalanche insurance is to annually compare prices from companies who can sell car insurance in Mesa. You can compare prices by following these guidelines.
First, take a few minutes and learn about how companies set rates and the things you can control to keep rates low. Many rating factors that cause rate increases like distracted driving and an imperfect credit score can be rectified by making minor driving habit or lifestyle changes.
Second, request price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only quote rates from one company like GEICO or State Farm, while independent agents can provide prices for a wide range of companies. View prices
Third, compare the quotes to your existing policy to see if a cheaper rate is available in Mesa. If you can save money and make a switch, make sure coverage does not lapse between policies.
Fourth, provide written notification to your current company to cancel your current auto insurance policy and submit payment and a signed application to the newly selected company. Immediately upon receiving it, safely store the certificate of insurance in an accessible location in your vehicle.
A tip to remember is to try to compare identical deductibles and limits on every quote request and and to get rate quotes from as many car insurance companies as possible. Doing this guarantees an apples-to-apples comparison and and a good selection of different prices.
It’s easy to assume that auto insurance companies don’t want their policyholders to compare prices. Drivers who shop around for cheaper prices are very likely to buy a different policy because there are good odds of finding better rates. Surprisingly, a recent survey revealed that consumers who compared prices once a year saved as much as $865 annually as compared to drivers who never compared rates.
If saving the most money on Chevy Avalanche insurance in Mesa is your ultimate target, then having a grasp of the best way to compare insurance rates can make it easier to find better rates.
If you have coverage now or want to find a cheaper company, follow these tips to shop for the lowest rates without sacrificing coverage. Locating the best rates in Mesa is really not that difficult. Drivers just have to use the proper way to find the lowest price online.
The fastest way that we advise to get rate comparisons for Chevy Avalanche insurance in Mesa is to take advantage of the fact most insurance companies will pay a fee to give rate comparisons. To begin a comparison, all you need to do is provide a little information such as deductibles desired, whether your vehicle is owned or leased, your occupation, and driver ages. Your information is sent automatically to insurance carriers in your area and you will receive price estimates within a short period of time.
To find lower cheap Chevy Avalanche insurance rates now, click here and enter your coverage details.
The companies in the list below have been selected to offer free quotes in Mesa, AZ. To buy cheap car insurance in Mesa, we suggest you compare several of them to get the best price comparison.
Facts and figures for Chevy Avalanche insurance
The coverage information below showcases estimates of policy rates for Chevy Avalanche models. Having knowledge of how insurance prices are established can benefit drivers when making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalanche LS 2WD | $250 | $442 | $488 | $28 | $146 | $1,354 | $113 |
| Avalanche LT 2WD | $250 | $520 | $488 | $28 | $146 | $1,432 | $119 |
| Avalanche LS 4WD | $250 | $520 | $488 | $28 | $146 | $1,432 | $119 |
| Avalanche LT 4WD | $250 | $520 | $488 | $28 | $146 | $1,432 | $119 |
| Avalanche LTZ 2WD | $280 | $520 | $488 | $28 | $146 | $1,462 | $122 |
| Avalanche LTZ 4WD | $280 | $520 | $488 | $28 | $146 | $1,462 | $122 |
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Rate quotes do not factor in Mesa location which can influence coverage prices significantly.
Mesa car insurance discounts
Companies don’t always list every available discount in an easy-to-find place, so the list below gives a summary of a few of the more common as well as some of the hidden savings tricks you should be using when you buy Mesa auto insurance online.
- Federal Government Employee – Federal government employees may reduce rates when you quote Mesa auto insurance depending on your company.
- Discount for Passive Restraints – Vehicles with factory air bags may qualify for discounts up to 30%.
- Cautious Drivers – Insureds without accidents can pay as much as 50% less compared to accident prone drivers.
- Life Insurance – Larger insurance companies have a small discount if you purchase auto and life insurance together.
- Senior Citizen Rates – Mature drivers can get a discount up to 10%.
- Accident Waiver – Not necessarily a discount, but certain companies may permit one accident without the usual rate increase so long as you are claim-free before the accident.
- Discounts for New Vehicles – Buying a new car instead of a used Avalanche can save you some money because newer vehicles have to meet stringent safety requirements.
- Drivers Ed for Students – Require your teen driver to complete a driver education course in school.
- Own a Home – Just owning your own home may trigger a policy discount on car insurance since home ownership requires personal responsibility.
- Service Members Pay Less – Having a deployed family member may lower your rates slightly.
Don’t be surprised that most of the big mark downs will not be given to your bottom line cost. Most cut specific coverage prices like comp or med pay. Even though it may seem like all the discounts add up to a free policy, you won’t be that lucky.
The illustration below illustrates the difference between Chevy Avalanche annual premium costs with and without discounts applied to the policy premium. The premiums assume a female driver, no tickets, no at-fault accidents, Arizona 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 safe-driver, claim-free, multi-policy, multi-car, marriage, and homeowner discounts applied.
Some of the insurance companies that have some of the above discounts include:
When comparing rates, check with each company which discounts you qualify for. Some of the earlier mentioned discounts might not be offered everywhere.
Why insurance is not optional
Despite the high cost, maintaining insurance serves several important purposes.
- The majority of states have minimum mandated liability insurance limits which means the state requires specific limits of liability insurance in order to be legal. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you bought your Avalanche with a loan, it’s guaranteed your bank will make it mandatory that you have full coverage to ensure loan repayment if the vehicle is totaled. If you default on your policy, the lender may insure your Chevy at an extremely high rate and require you to fork over the higher price.
- Insurance preserves not only your Chevy Avalanche but also your assets. It will also cover medical expenses for both you and anyone you injure as the result of an accident. Liability coverage also pays expenses related to your legal defense if you are sued as the result of your driving. If you have damage to your Chevy as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.
The benefits of having insurance outweigh the cost, particularly when you have a large claim. In a recent study of 1,000 drivers, the average customer is overpaying over $825 a year so it’s important to compare rates at least once a year to help ensure money is not being wasted.
Special considerations
Keep in mind that when it comes to choosing adequate coverage, there really is no “perfect” insurance plan. Your needs are unique to you.
Here are some questions about coverages that can help discover whether you might need professional guidance.
- What does medical payments cover?
- Is my cargo covered for damage or theft?
- Does coverage extend to my business vehicle?
- Who does medical payments coverage extend to?
- Is my son or daughter covered when driving my car?
- How can I force my company to pay a claim?
- Do I have ACV or replacement cost coverage?
- Am I covered when delivering products for my home-based business?
- Can I rent a car in Mexico?
If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.
When should I contact an insurance agency?
Certain consumers would rather have an agent’s advice and we recommend doing that Insurance agents will help you protect your assets and will help you if you have claims. One of the benefits of comparing insurance prices online is you can get cheap auto insurance rates and also buy local. Buying from local agents is important especially in Mesa.
Upon completion of this form (opens in new window), your information is emailed to local insurance agents in Mesa that provide free Mesa auto insurance quotes for your business. It’s much easier because you don’t need to leave your computer since price quotes are sent directly to you. If you have a need to compare prices from a particular provider, feel free to visit that company’s website and fill out the quote form the provide.
Pick the best auto insurance agent in Mesa for you
When finding a reputable agency, there are a couple of different types of agents and how they can write your policy. Auto insurance agents are categorized either exclusive or independent agents depending on their company appointments. Both can handle auto insurance, but it’s important to point out how they are different since it can impact the selection process.
Independent Auto Insurance Agencies
Independent agencies are not locked into one company and that enables them to quote your coverage with lots of companies and find you cheaper rates. To transfer your coverage to a different company, your policy is moved internally and you stay with the same agent. If you need lower rates, we recommend you compare prices from at least one independent agent to have the most options to choose from.
Featured below are independent agents in Mesa that may be able to give free auto insurance rate quotes.
The Adams Agency
3851 E Main St – Mesa, AZ 85205 – (480) 924-2600 – View Map
Nationwide Insurance: Isakson Ins Agency Inc
1819 E Southern Ave, Ste E20 – Mesa, AZ 85204 – (480) 888-0318 – View Map
Access Auto Insurance
1933 W Main St #5 – Mesa, AZ 85201 – (480) 668-4944 – View Map
Exclusive Agents
Agents that choose to be exclusive can usually just insure with one company like AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents are unable to give you multiple price quotes so they really need to provide good service. They receive extensive training in insurance sales which aids in selling service over price.
The following are exclusive insurance agencies in Mesa who can help you get price quote information.
Jon Eisenbraun – State Farm Insurance Agent
1837 W Guadalupe Rd #114 – Mesa, AZ 85202 – (480) 833-0724 – View Map
Cie Taylor – State Farm Insurance Agent
2801 E McKellips Rd – Mesa, AZ 85213 – (480) 830-1513 – View Map
State Farm : Mike Wilson
1046 E McKellips Rd – Mesa, AZ 85203 – (480) 926-0388 – View Map
Picking an car insurance agent requires more thought than just a cheap quote. The following questions are important to ask.
- How much can you save by raising your physical damage deductibles?
- Can you get a list of referrals?
- Will their companies depreciate repairs to your car based on the mileage?
- Does the company allow you to choose your own collision repair facility?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Is the quote a firm price?