Getting more affordable San Francisco Chevy Avalanche insurance quotes over the internet may seem to be problematic for vehicle owners new to quoting and comparison shopping over the internet. With so many online companies available, how can anyone even start to compare every car insurance company to find lower car insurance premiums?
Unimaginable but true, most car insurance buyers kept their coverage with the same car insurance company for four years or more, and nearly 40% of drivers have never even compared rates from other companies. California drivers could save about $469 every year, but they mistakenly think it’s difficult to shop around.
If you currently have auto insurance, you will be able to find the best rates using the ideas presented in this article. Finding and comparing the best-priced auto insurance policy in San Francisco is not as hard as you think. But California car owners must comprehend the way insurance companies determine prices because rates fluctuate considerably.
Cut your auto insurance rates with discounts
Insurance can cost an arm and a leg, but you might already qualify for some discounts that many people don’t even know exist. Many discounts should be triggered when you purchase, but once in a while a discount must be asked about before being credited.
- Bundle and Save – When you combine your auto and home insurance with one insurance company you may save at least 10 to 15 percent or more.
- Distant College Student Discount – Children who attend college more than 100 miles from San Francisco without a vehicle on campus may be insured at a cheaper rate.
- Professional Organizations – Being a member of a qualifying organization is a good way to get lower rates when shopping for auto insurance.
- Discounts for Safe Drivers – Drivers without accidents could pay up to 40% less than drivers with accident claims.
- Government Employee Discount – Active or retired federal employment could provide a small rate reduction with select insurance companies.
- Paper-free Discount – Some companies may give you up to $50 for buying your policy on the internet.
- Student Discount for Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
- Senior Citizens – Drivers that qualify as senior citizens are able to get reduced rates.
Don’t be surprised that many deductions do not apply to your bottom line cost. Some only reduce specific coverage prices like liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.
The diagram below illustrates the comparison of Chevy Avalanche insurance costs with and without some available policy discounts. The premium estimates are based on a male driver, no claims or driving violations, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, claim-free, homeowner, marriage, and safe-driver discounts applied.
Some companies that possibly offer many of the previously listed discounts include:
If you want inexpensive San Francisco auto insurance quotes, ask all companies you are considering to give you their best rates. A few discounts might not be offered in San Francisco.
How to compare free San Francisco Chevy Avalanche insurance quotes
Just keep in mind that having more price comparisons will improve the odds of getting a lower rate than you’re paying now. Some regional insurers cannot provide online San Francisco Avalanche insurance quotes, so you also need to get price quotes on coverage from those companies, too.
The companies shown below can provide free quotes in San Francisco, CA. If the list has multiple companies, it’s highly recommended you compare several of them in order to find the cheapest rates.
Rates and detailed analysis
The premium table shown next showcases estimates of insurance coverage prices for Chevy Avalanche models. Being aware of how policy rates are established can benefit drivers when making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalanche LS 2WD | $230 | $354 | $564 | $34 | $168 | $1,350 | $113 |
| Avalanche LT 2WD | $230 | $418 | $564 | $34 | $168 | $1,414 | $118 |
| Avalanche LS 4WD | $230 | $418 | $564 | $34 | $168 | $1,414 | $118 |
| Avalanche LT 4WD | $230 | $418 | $564 | $34 | $168 | $1,414 | $118 |
| Avalanche LTZ 2WD | $258 | $418 | $564 | $34 | $168 | $1,442 | $120 |
| Avalanche LTZ 4WD | $258 | $418 | $564 | $34 | $168 | $1,442 | $120 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Price information does not factor in specific garaging location which can affect premium rates substantially.
Policy deductibles
One of the hardest decisions when shopping for auto insurance is which comprehensive and collision deductibles to buy. The following tables can help you visualize the price difference when you choose different physical damage coverage deductibles. The first rate quote example uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalanche LS 2WD | $386 | $576 | $552 | $32 | $166 | $1,737 | $145 |
| Avalanche LT 2WD | $386 | $678 | $552 | $32 | $166 | $1,839 | $153 |
| Avalanche LS 4WD | $386 | $678 | $552 | $32 | $166 | $1,839 | $153 |
| Avalanche LT 4WD | $386 | $678 | $552 | $32 | $166 | $1,839 | $153 |
| Avalanche LTZ 2WD | $430 | $678 | $552 | $32 | $166 | $1,883 | $157 |
| Avalanche LTZ 4WD | $430 | $678 | $552 | $32 | $166 | $1,883 | $157 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalanche LS 2WD | $238 | $362 | $552 | $32 | $166 | $1,350 | $113 |
| Avalanche LT 2WD | $238 | $426 | $552 | $32 | $166 | $1,414 | $118 |
| Avalanche LS 4WD | $238 | $426 | $552 | $32 | $166 | $1,414 | $118 |
| Avalanche LT 4WD | $238 | $426 | $552 | $32 | $166 | $1,414 | $118 |
| Avalanche LTZ 2WD | $266 | $426 | $552 | $32 | $166 | $1,442 | $120 |
| Avalanche LTZ 4WD | $266 | $426 | $552 | $32 | $166 | $1,442 | $120 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rate quotes do not factor in zip code location which can lower or raise coverage prices greatly.
Based on this data, using a $250 deductible will cost you about $35 more each month or $420 every year than buying the higher $1,000 deductible. Because you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have more than 21 months between claim filings, you would come out ahead if you opt for a higher deductible.
Calculate savings of higher deductibles
| Average monthly premium for $250 deductibles: | $153 |
| Average monthly premium for $1,000 deductibles (subtract): | – $118 |
| Monthly savings from raising deductible: | $35 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $35 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 21 months |
An important sidenote is that increasing deductibles to save money means you pay more out-of-pocket when you have a physical damage claim. You need to have enough money stashed away in order to pay more to get your vehicle repaired.
Cost comparison with and without full coverage
The diagram below illustrates the difference between Chevy Avalanche car insurance costs with and without full coverage. The premiums assume no claims or driving citations, $1,000 deductibles, marital status is single, and no policy discounts are applied.
When to stop buying full coverage
There is no specific rule to delete full coverage on your policy, but there is a general school of thought. If the yearly cost of comp and collision coverage is 10% or more of replacement cost minus your deductible, then you may need to consider dropping full coverage.
For example, let’s say your Chevy Avalanche replacement cost is $8,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company would pay you is $7,000 after paying your policy deductible. If it’s costing in excess of $700 annually to have full coverage, then it’s probably a good time to buy liability coverage only.
There are some conditions where dropping physical damage coverage is not a good plan. If you haven’t satisfied your loan, you are required to maintain full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage.
Why You Might Pay Inflated Rates in San Francisco
When buying insurance it’s important to understand some of the things that go into determining your insurance rates. When you understand what determines premiums, this enables informed choices that could help you find lower rates.
The factors shown below are some of the things utilized by car insurance companies to help set premiums.
Get better rates if married – Being married helps lower the price when buying insurance. It is viewed as being more mature and responsible and insurance companies like that married drivers tend to file fewer claims.
Don’t abuse insurance claims – If you are a frequent claim filer, you shouldn’t be surprised to get higher rates. Insurance companies in California provide better rates to insureds who only file infrequent claims. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.
Safer the car lower the rate – Vehicles that have high safety ratings tend to have better insurance rates. Highly rated vehicles result in less severe injuries and fewer serious injuries means lower claim amounts and cheaper rates on your policy. If your Chevy is rated at least four stars on Safercar.gov you may be receiving a better rate.
Traffic violations cost more than a fine – Good drivers pay less for auto insurance than their less careful counterparts. Even a single chargeable violation can boost insurance rates by twenty percent. Drivers who have received license-revoking violations such as DUI, reckless driving or excessive speeding may be required to prove financial responsibility with their state’s licensing department in order to drive a vehicle legally.
The chart below highlights how speeding tickets and at-fault fender-benders can drive up Chevy Avalanche premium costs for different age groups. The premiums assume a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.
Rates impacted by your city – Choosing to live in a rural area is a good thing when buying insurance. Less people means a lower chance of having an accident in addition to fewer liability claims. Urban drivers have traffic congestion and much longer commute distances. The longer drive time means more chances of being involved in an auto accident.
Which gender costs less? – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. However, don’t assume that women are BETTER drivers than men. Females and males cause auto accidents at a similar rate, but guys tend to have more serious accidents. Men also statistically receive more costly citations such as reckless driving.
The information below illustrates the comparison of Chevy Avalanche yearly insurance costs for male and female drivers. The premiums assume a clean driving record, no at-fault accidents, comp and collision included, $500 deductibles, drivers are single, and no discounts are applied.
Different people need different insurance coverages
When quoting and comparing coverage for your vehicles, there really is no one-size-fits-all type of policy. Your situation is unique.
Here are some questions about coverages that can help discover if your situation might need professional guidance.
- Can my babysitter drive my car?
- Will my Chevy Avalanche be repaired with OEM or aftermarket parts?
- Does insurance cover tools stolen from my truck?
- Is my vehicle covered by my employer’s policy when using it for work?
- When does my teenage driver need to be added to my policy?
- I don’t drive much so do I pay less?
- Do I have ACV or replacement cost coverage?
- What if I owe more than I can insure my car for?
- Are split liability limits better than a combined single limit?
- Should I sign the liability waiver when renting a car?
If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, complete this form.
Get rate quotes but work with a local San Francisco insurance agency
Some people still prefer to have an agent’s advice and often times that is recommended A good thing about comparing rates online is that you can obtain the best rates but still work with a licensed agent.
To make it easy to find an agent, after completing this quick form, your coverage information gets sent to local insurance agents in San Francisco who can give free rate quotes for your insurance coverage. You won’t even need to contact an agency since price quotes are sent instantly to you. You can find better rates and a licensed agent to talk to. If for some reason you want to get a rate quote from a specific insurance company, don’t hesitate to search and find their rate quote page and submit a quote form there.
Picking a insurance company requires you to look at more than just a low price. A good agent in San Francisco will have answers to these questions.
- What is the financial rating for the quoted company?
- Are they giving you every discount you deserve?
- How many years of experience in personal auto insurance do they have?
- Do they have any clout with companies to ensure a fair claim settlement?
- Is vehicle mileage a factor when determining depreciation for repairs?
If you’re trying to find a local insurance agency, there are two different types of agencies that differ in how they can insure your vehicles. Agencies in San Francisco can be described as either exclusive or independent.
Exclusive Insurance Agencies
Agents in the exclusive channel have only one company to place business with and some examples include Allstate, Farmers Insurance or State Farm. These agents are not able to provide prices from multiple companies so they really need to provide good service. These agents are well schooled in insurance sales and that allows them to sell at a higher price point. Consumers often buy insurance from these agents mainly due to loyalty to the company rather than low rates.
Below are exclusive agencies in San Francisco that are able to give price quotes.
- Yan Lukito – State Farm Insurance Agent
5214 Diamond Heights Blvd i – San Francisco, CA 94131 – (415) 282-5558 – View Map - Ron Burks – State Farm Insurance Agent
220 Montgomery St #480 – San Francisco, CA 94104 – (415) 397-2994 – View Map - Tiffany Won – State Farm Insurance Agent
1250 Missouri St Unit 305 – San Francisco, CA 94107 – (415) 872-5734 – View Map
View more San Francisco agents
Independent Car Insurance Agents
These type of agents can quote rates with many companies and that enables them to quote your coverage through lots of different companies and potentially find a lower price. To move your coverage to a new company, your agent can switch companies which makes it simple for you.
When comparing rate quotes, you need to contact multiple independent agents for maximum quote selection. Many independent agencies also insure through small mutual carriers that may have much lower rates than larger companies.
The following is a list of independent agencies in San Francisco that can give you comparison quotes.
- April Insurance Agency
1788 19th Ave – San Francisco, CA 94122 – (415) 242-8100 – View Map - Wang Insurance
2620 Judah St – San Francisco, CA 94122 – (415) 731-7062 – View Map - Blum-Blackfield Insurance Agency
2 Twin Peaks Blvd – San Francisco, CA 94114 – (415) 665-1440 – View Map
View more San Francisco agents
Insurance is an important decision
Even though it can be expensive, insurance may be mandatory for several reasons.
First, almost all states have minimum liability requirements which means the state requires a specific minimum amount of liability in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if your Avalanche has a loan, it’s most likely the lender will stipulate that you carry insurance to guarantee their interest in the vehicle. If you let the policy lapse, the bank will be required to insure your Chevy at a more expensive rate and force you to reimburse them for it.
Third, insurance protects both your car and your assets. It will also provide coverage for many types of medical costs for both you and anyone you injure as the result of an accident. Liability coverage, the one required by state law, also covers legal expenses if you are named as a defendant in an auto accident. If your Chevy gets damaged, your policy will cover the repair costs.
The benefits of buying insurance definitely exceed the price paid, especially for larger claims. But the average driver in California is currently overpaying as much as $869 every year so compare quotes from several companies each time the policy renews to ensure rates are inline.
More comparisons equals cheaper rates
Discount Chevy Avalanche insurance in San Francisco is attainable from both online companies as well as from insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some companies may not have the ability to get a quote online and usually these smaller companies prefer to sell through independent insurance agents.
As you quote San Francisco auto insurance, don’t be tempted to buy poor coverage just to save money. There are many occasions where someone sacrificed comprehensive coverage or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. The goal is to purchase plenty of coverage for the lowest price, but don’t skip important coverages to save money.
Throughout this article, we presented many ways to save on Chevy Avalanche insurance in San Francisco. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may even be surprised to find that the lowest rates come from a company that doesn’t do a lot of advertising.
Steps to finding affordable Chevy Avalanche insurance in San Francisco
The most effective way to get discount Chevy Avalanche insurance is to begin comparing prices regularly from different companies that insure vehicles in San Francisco. This can be done by following these guidelines.
- It will benefit you to learn about individual coverages and the modifications you can make to prevent rate increases. Many risk factors that increase rates like tickets, at-fault accidents, and an imperfect credit score can be controlled by improving your driving habits or financial responsibility.
- Obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from one company like GEICO or State Farm, while agents who are independent can quote rates for a wide range of companies. Select a company
- Compare the price quotes to your existing rates and determine if there is any savings. If you find a lower rate quote and change companies, make sure there is no lapse in coverage.
- Give notification to your agent or company of your intention to cancel the current policy. Submit payment and a completed application for the new coverage. Make sure you place your new proof of insurance certificate along with the vehicle’s registration papers.
A crucial key to this process is to try to use identical deductibles and limits on every quote and and to compare as many different companies as possible. Doing this guarantees the most accurate price comparison and a complete selection of prices.
Additional information can be read at the links below
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- What Car Insurance is Cheapest for Drivers with a Bad Driving Record in San Francisco? (FAQ)
- How Much is Auto Insurance for a Dodge Grand Caravan in San Francisco? (FAQ)
- Who Has Affordable Auto Insurance for Teachers in San Francisco? (FAQ)
- Rental Car Insurance Tips (Insurance Information Institute)
- How Much Auto Coverage do I Need? (Insurance Information Institute)