Want to learn a better way to compare cheaper Chevy Avalanche insurance in Columbia? Did you make the mistake of buying overpriced Chevy Avalanche insurance in Columbia? You're in good company because there are lots of people in the same boat.

Insurance quote for Chevy Avalanche in ColumbiaIt's astonishing, but the vast majority of car insurance customers in South Carolina have stayed with the same insurance company for well over three years, and approximately 38% of consumers have never compared rates to find lower-cost insurance. Most drivers in the United States could save roughly $850 each year by just comparing rate quotes, but they just feel it's too hard to shop their coverage around.

Companies like GEICO, Farmers Insurance and State Farm all claim big savings, bombarding you with catchy ads and it can be hard to sift through the bull and take the time to shop coverage around.

It's important to check car insurance prices as often as possible because car insurance prices go up and down regularly. If you had the best quotes on Chevy Avalanche insurance in Columbia on your last policy there may be better deals available now. Block out anything you think you know about car insurance because we're going to demonstrate how to use the internet to properly buy coverages while reducing your premium.

Informed Drivers Know How to Find Car Insurance Cheaper

An important part of buying insurance is that you know the rating factors that help calculate the level of your policy premiums. When you understand what positively or negatively impacts your premiums, this helps enable you to make changes that could result in much lower annual insurance costs.

Decrease prices by maintaining coverage - Driving with no insurance is illegal and companies may charge more for letting your coverage have a gap. Not only will you pay higher rates, getting caught without coverage can result in a hefty fine and possibly a revoked license.

Claims cost money - Insurance companies in South Carolina generally give better rates to drivers who only file infrequent claims. If you file a lot of claims you can pretty much guarantee increased rates or even have your policy non-renewed. Insurance coverage is designed for claims that you cannot pay yourself.

Performance impacts premiums - The performance level of the car, truck or SUV you own makes a significant difference in your rates. The lowest base rates will normally be found when insuring low performance passenger vehicles, but that's not the only thing that factors into the final price. Because the Chevrolet Avalanche is classified as a pickup/SUV, rates will be a little bit more compared to average rates in Columbia.

Pay more by driving carelessly - Good drivers get better rates than their less careful counterparts. Only having one moving violation can bump up the cost forty percent or more. Drivers who get dangerous violations such as DUI, reckless driving or excessive speeding might be required by their state to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.

Compare Columbia Chevy Avalanche insurance rate quotes online

When shopping for affordable Columbia auto insurance quotes, there are a couple of ways to get quotes from many available car insurance companies in South Carolina. The easiest way to comparison shop is to perform an online rate comparison.

Doing price comparisons online is so simple that it makes it obsolete to spend your day driving to all the different Columbia insurance agencies. Comparing Chevy Avalanche insurance rate quotes online makes this unnecessary unless you prefer the guidance that can only be provided by a licensed insurance agent. Although you can get prices online but have a local agent actually write the policy. When comparison shopping, comparing a large number of companies will improve the odds of getting the best rates.

The companies in the list below have been selected to offer quotes in South Carolina. If several companies are displayed, it's a good idea that you visit two to three different companies to get the best price comparison.

Chevrolet Avalanche Insurance Rates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avalanche LS 2WD $144 $238 $410 $24 $122 $938 $78
Avalanche LT 2WD $230 $434 $400 $24 $120 $1,208 $101
Avalanche LS 4WD $318 $706 $554 $32 $166 $1,776 $148
Avalanche LT 4WD $232 $478 $554 $32 $166 $1,462 $122
Avalanche LTZ 2WD $210 $358 $410 $24 $122 $1,124 $94
Avalanche LTZ 4WD $288 $532 $410 $24 $122 $1,376 $115
Get Your Own Custom Quote Go

Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Price information does not factor in vehicle location which can increase or decrease auto insurance rates considerably.

Policy deductibles

One of the more difficult decisions when buying auto insurance is at what level do you set your deductibles. The data tables below can help you understand the differences in price between low and high insurance deductibles. The first data set uses a $100 comprehensive and collision deductible and the second set of prices uses a $1,000 deductible.

Chevrolet Avalanche insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avalanche LS 2WD $332 $530 $426 $26 $128 $1,467 $122
Avalanche LT 2WD $332 $624 $426 $26 $128 $1,561 $130
Avalanche LS 4WD $332 $624 $426 $26 $128 $1,561 $130
Avalanche LT 4WD $332 $624 $426 $26 $128 $1,561 $130
Avalanche LTZ 2WD $370 $624 $426 $26 $128 $1,599 $133
Avalanche LTZ 4WD $370 $624 $426 $26 $128 $1,599 $133
Get Your Own Custom Quote Go
Chevrolet Avalanche insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avalanche LS 2WD $184 $280 $426 $26 $128 $1,044 $87
Avalanche LT 2WD $184 $330 $426 $26 $128 $1,094 $91
Avalanche LS 4WD $184 $330 $426 $26 $128 $1,094 $91
Avalanche LT 4WD $184 $330 $426 $26 $128 $1,094 $91
Avalanche LTZ 2WD $204 $330 $426 $26 $128 $1,114 $93
Avalanche LTZ 4WD $204 $330 $426 $26 $128 $1,114 $93
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Premium amounts do not factor in specific zip code location which can influence premium rates significantly.

Based on the figures above, using a $100 deductible could cost the average driver approximately $39 more each month or $468 a year than choosing the higher $1,000 deductible. Because you would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you have at a minimum 23 months between claim filings, you would most likely save money if you opt for a higher deductible.

Protect more than your vehicle

Despite the high insurance cost for a Chevy Avalanche in Columbia, buying insurance is not optional due to several reasons.

First, the majority of states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a specific minimum amount of liability insurance coverage in order to be legal. In South Carolina these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your vehicle has a lienholder, more than likely the lender will have a requirement that you buy full coverage to guarantee loan repayment. If you default on your policy, the bank or lender will purchase a policy for your Chevy at a more expensive rate and force you to pay the higher premium.

Third, insurance preserves both your Chevy Avalanche and your personal assets. Insurance will pay for medical bills for not only you but also any passengers injured in an accident. Liability insurance also pays for attorney fees and expenses in the event you are sued. If you have damage to your Chevy as the result of the weather or an accident, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.

The benefits of having insurance are without a doubt worth the cost, especially when you need to use it. An average driver in America is overpaying more than $700 annually so compare rate quotes every year to be sure current rates are still competitive.

Cheap Columbia car insurance rates with discounts

Buying car insurance is not cheap, but you may qualify for discounts that you may not even be aware of. Certain discounts will be applied when you quote, but a few must be specifically requested before you get the savings.Cheaper car insurance with discounts

It's important to understand that most discount credits are not given to the entire policy premium. Most only cut specific coverage prices like medical payments or collision. So even though they make it sound like it's possible to get free car insurance, it's just not the way it works.

To find companies who offer cheap Chevy Avalanche insurance quotes in Columbia in Columbia, follow this link.

Independent or exclusive auto insurance agents

A small number of people just prefer to buy from a local agent and that is a smart decision An additional benefit of getting free rate quotes online is that drivers can save money and get cheap auto insurance quotes and still choose a local agent.

Insurance agents in ColumbiaTo make it easy to find an agent, after completing this short form, your insurance coverage information gets sent to agents in your area that provide free Columbia auto insurance quotes for your insurance coverage. It's much easier because you don't need to search for any insurance agencies as quotes are delivered to you instantly. It's the lowest rates without requiring a lot of work. If you need to get a rate quote from a specific company, you can always visit that company's website and submit a quote form there.

Finding a good provider should depend on more than just a low price. Any agent in Columbia should be forthright in answering these questions:

When searching for a local Columbia insurance agent, it helps to know the two types of agencies that you can choose from. Auto insurance agents are considered either independent or exclusive.

Exclusive Insurance Agencies

Exclusive agencies can only place business with one company and some examples include Farmers Insurance and State Farm. They generally cannot compare rates from other companies so they really need to provide good service. These agents receive extensive training on sales techniques which can be an advantage.

Shown below is a list of exclusive agents in Columbia who may provide you with rate quotes.

1230 Broad River Rd A - Columbia, SC 29210 - (803) 772-0137 - View Map

10014 Two Notch Rd d - Columbia, SC 29223 - (803) 865-0047 - View Map

Ste A16, 7001 St Andrews Rd - Columbia, SC 29212 - (803) 732-3800 - View Map

View more Columbia agents

Independent Auto Insurance Agents

Independent agencies do not work for one specific company and that gives them the ability to insure amongst many companies depending on which coverage is best. If they find a cheaper price, they simply move the coverage in-house and that require little work on your part.

When comparing auto insurance rates, we recommend you include rate quotes from a couple of independent agencies in order to have the best price comparison.

Below are independent agencies in Columbia that can give you rate quotes.

1345 Lake Murray Blvd - Irmo, SC 29063 - (803) 781-4700 - View Map

9300 Two Notch Rd - Columbia, SC 29223 - (803) 400-1911 - View Map

607 Meeting St - West Columbia, SC 29169 - (803) 387-0712 - View Map

View more Columbia agents

Everyone needs different insurance coverages

When it comes to buying coverage online or from an agent for your vehicles, there really isn't a "best" method to buy coverage. Your financial needs are unique so your insurance should reflect thatHigher deductibles save money These are some specific questions might point out whether or not you might need an agent's assistance.

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don't have a local agent, fill out this quick form or you can also visit this page to select a carrier

Final considerations

We just showed you many ways to compare Chevy Avalanche insurance car insurance rates in Columbia. It's most important to understand that the more times you quote, the better your chances of lowering your premium rates. Consumers could even find that the most savings is with an unexpected company. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate and Progressive.

The cheapest Chevy Avalanche insurance in Columbia can be bought on the web in addition to local insurance agencies, so get free Columbia auto insurance quotes from both of them to have the best selection. Some insurance companies may not have the ability to get a quote online and usually these smaller providers work with local independent agencies.

As you go through the steps to switch your coverage, make sure you don't buy less coverage just to save a little money. There are too many instances where an accident victim reduced physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible for the lowest price.

Even more information is located by following these links: