Chevy Avalanche Insurance Rates in Portland

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Discount Chevy Avalanche insuranceEveryone knows that car insurance companies don't want you comparing rates. People who shop around for the cheapest rate are highly likely to switch companies because there are good odds of finding a more affordable policy. A survey found that consumers who shopped around saved an average of $72 a month as compared to drivers who never compared other company's rates.

If finding the cheapest price for auto insurance is your ultimate objective, then knowing the best ways to find and compare cheaper coverage can help simplify the task of finding more affordable coverage.

The most effective way to get affordable Chevy Avalanche insurance in Portland is to compare quotes once a year from companies who sell insurance in Oregon. Price quotes can be compared by following these steps.

First, read and learn about auto insurance and the measures you can take to keep rates low. Many factors that result in higher prices like at-fault accidents, speeding tickets, and an imperfect credit rating can be rectified by making minor changes to your lifestyle. Continue reading for additional tips to help keep rates affordable and get additional discounts that may have been overlooked.

Second, get rate quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from one company like GEICO and State Farm, while agents who are independent can quote rates for a wide range of companies.

Third, compare the new rate quotes to your current policy premium and see if you can save money. If you find better rates and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

One tip to remember is to compare similar limits and deductibles on every price quote and and to get rate quotes from as many companies as you can. This ensures a fair rate comparison and a complete rate analysis.

Just remember that comparing a wide range of rates helps you find better pricing. Some companies don't provide price estimates online, so it's recommended that you also compare rates from those companies as well.

The car insurance companies shown below offer comparison quotes in Oregon. If multiple companies are listed, we suggest you visit several of them to find the lowest car insurance rates.

Get cheaper Chevy Avalanche insurance in Portland with discounts

Companies offering auto insurance don't necessarily list all available discounts very clearly, so the list below details both the well known and the harder-to-find discounts that you can inquire about if you buy Portland auto insurance online.Discount insurance

  • Sign Early and Save - A few companies offer discounts for switching to them before your current expiration date. You may see this discount when you get Portland auto insurance quotes online.
  • Distant Student Discount - College-age children who are attending college and don't have a car may be able to be covered for less.
  • Membership in Organizations - Joining certain professional organizations could earn you a nice discount on your next insurance statement.
  • Discounts for Cautious Drivers - Drivers who don't get into accidents can pay as much as 50% less than less cautious drivers.
  • Own a Home - Just owning your own home can get you a discount since owning and maintaining a home requires a higher level of personal finance.
  • Active Service Discounts - Being deployed with a military unit could trigger a small discount.
  • Defensive Driver Discounts - Completing a course that instructs on driving safety can save you 5% or more and also improve your driving technique.
  • Driver Education Discount - Cut your cost by having your teen driver enroll in driver's education if it's offered in school.
  • Government Employees - Federal government employees can earn a discount up to 10% depending on your insurance provider.

Please keep in mind that some credits don't apply to your bottom line cost. A few only apply to specific coverage prices like medical payments or collision. Despite the fact that it seems like it's possible to get free car insurance, that's just not realistic.

The illustration below compares Chevy Avalanche insurance costs with and without some available policy discounts. The prices are based on a female driver, no accidents or driving violations, Oregon state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, homeowner, safe-driver, claim-free, and multi-car discounts applied.

A few of the larger companies and a summarized list of policyholder discounts are detailed below.

  • GEICO includes discounts for multi-vehicle, anti-theft, anti-lock brakes, membership and employees, and emergency military deployment.
  • Travelers offers premium reductions for save driver, multi-policy, early quote, IntelliDrive, payment discounts, and multi-car.
  • Farm Bureau may include discounts for youthful driver, 55 and retired, renewal discount, good student, and multi-policy.
  • Liberty Mutual may offer discounts for new vehicle discount, new graduate, safety features, good student, and newly retired.
  • American Family has discounts for accident-free, air bags, defensive driver, good driver, good student, TimeAway discount, and mySafetyValet.
  • Progressive discounts include multi-policy, multi-vehicle, continuous coverage, homeowner, online quote discount, and online signing.

Before purchasing a policy, check with all the companies to apply every possible discount. All car insurance discounts might not be offered on policies in Portland.

Rates and other information

The premium table shown next showcases detailed analysis of insurance policy prices for Chevy Avalanche models. Understanding more about how premiums are formulated can benefit drivers when making informed coverage decisions.

Chevrolet Avalanche Insurance Rates in Portland, OR
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avalanche LS 2WD $166 $256 $408 $24 $122 $976 $81
Avalanche LT 2WD $166 $302 $408 $24 $122 $1,022 $85
Avalanche LS 4WD $166 $302 $408 $24 $122 $1,022 $85
Avalanche LT 4WD $166 $302 $408 $24 $122 $1,022 $85
Avalanche LTZ 2WD $186 $302 $408 $24 $122 $1,042 $87
Avalanche LTZ 4WD $186 $302 $408 $24 $122 $1,042 $87
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Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Information does not factor in specific garaging location which can raise or lower premium rates substantially.

Physical damage deductible comparison

One of the hardest decisions when shopping for auto insurance is where to set your physical damage deductibles. The premium rates below lay out the rate fluctuation between high and low comp and collision deductibles. The first rate comparisons uses a $250 deductible and the second set of rates uses a $500 deductible.

Chevrolet Avalanche insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avalanche LS 2WD $278 $416 $400 $24 $120 $1,263 $105
Avalanche LT 2WD $278 $490 $400 $24 $120 $1,337 $111
Avalanche LS 4WD $278 $490 $400 $24 $120 $1,337 $111
Avalanche LT 4WD $278 $490 $400 $24 $120 $1,337 $111
Avalanche LTZ 2WD $310 $490 $400 $24 $120 $1,369 $114
Avalanche LTZ 4WD $310 $490 $400 $24 $120 $1,369 $114
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Chevrolet Avalanche insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avalanche LS 2WD $226 $336 $400 $24 $120 $1,106 $92
Avalanche LT 2WD $226 $396 $400 $24 $120 $1,166 $97
Avalanche LS 4WD $226 $396 $400 $24 $120 $1,166 $97
Avalanche LT 4WD $226 $396 $400 $24 $120 $1,166 $97
Avalanche LTZ 2WD $252 $396 $400 $24 $120 $1,192 $99
Avalanche LTZ 4WD $252 $396 $400 $24 $120 $1,192 $99
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Premium amounts do not factor in specific zip code location which can affect rates significantly.

Based on this data, using a $250 deductible costs approximately $14 more each month or $168 each year averaged for all Avalanche models than choosing the higher $500 deductible. Because you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 18 months between claims, you would probably save some money going with the higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $250 deductibles: $111
Average monthly premium for $500 deductibles (subtract): - $97
Monthly savings from raising deductible: $14
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $14
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

One important caveat is that a higher deductible level results in more money out-of-pocket if you have a claim. You need to make sure you have enough extra money in the event you have to pay the higher deductible in order to repair your vehicle.

Annual premiums for males compared to females

The illustration below illustrates the comparison of Chevy Avalanche auto insurance costs for male and female drivers. The premium estimates are based on no violations or accidents, comp and collision included, $250 deductibles, single marital status, and no additional discounts are factored in.

Chevrolet Avalanche liability rates compared to full coverage

The information below illustrates the comparison of Chevy Avalanche auto insurance costs with and without physical damage coverage. The premiums assume no violations or accidents, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

Are you wasting money on full coverage?

There is no set rule that is best for determining when to drop comp and collision coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is 10% or more of the settlement you would receive from your company, then it's probably a good time to buy liability coverage only.

For example, let's say your Chevy Avalanche replacement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, you would only receive $2,000 after paying your deductible. If premiums are more than $200 annually for full coverage, then you may need to consider dropping full coverage.

There are a few situations where dropping physical damage coverage is not advised. If you still owe a portion of the original loan, you must maintain physical damage 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 totaled, you should not consider dropping full coverage.