Do you want to learn how to find more competitive car insurance rates in Louisville, KY? Louisville drivers have lots of choices when trying to find the best price on Chevy Avalanche insurance. They can either spend hours driving around to compare prices or save time using the internet to compare rates.
There is a right way and a wrong way to find car insurance online and you need to know the absolute fastest way to get price quotes on a Chevy and locate the lowest price.
Compare Louisville Chevy Avalanche insurance rate quotes online
Finding a lower price on Chevy Avalanche insurance is actually quite simple. All you need to do is spend a few minutes on the computer comparing rates from different insurance companies.
The car insurance companies shown below are our best choices to provide quotes in Kentucky. In order to find cheap car insurance in KY, we suggest you click on several of them to get a more complete price comparison.
Rates and information analytics
The information displayed next showcases estimates of insurance costs for Chevy Avalanche models. Having a better idea how rate quotes are formulated can help drivers make informed decisions when shopping around for a new policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Avalanche LS 2WD | $362 | $508 | $534 | $32 | $160 | $1,596 | $133 |
| Avalanche LT 2WD | $362 | $598 | $534 | $32 | $160 | $1,686 | $141 |
| Avalanche LS 4WD | $362 | $598 | $534 | $32 | $160 | $1,686 | $141 |
| Avalanche LT 4WD | $362 | $598 | $534 | $32 | $160 | $1,686 | $141 |
| Avalanche LTZ 2WD | $402 | $598 | $534 | $32 | $160 | $1,726 | $144 |
| Avalanche LTZ 4WD | $402 | $598 | $534 | $32 | $160 | $1,726 | $144 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Premium amounts do not factor in specific location which can modify premium rates noticeably.
The illustration below highlights how deductible choice and can affect Chevy Avalanche premium costs for different age groups of insureds. The premium estimates are based on a single female driver, full coverage, and no discounts are applied.
Why you need to buy auto insurance
Even though Louisville Avalanche insurance rates can get expensive, buying auto insurance is a good idea for several reasons.
- Most states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability insurance coverage in order to drive the car legally. In Kentucky these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a loan on your Chevy Avalanche, most lenders will force you to have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If you do not pay your insurance premiums, the bank will be required to insure your Chevy at a more expensive rate and force you to pay a much higher amount than you were paying before.
- Auto insurance protects your car and your assets. It will also provide coverage for medical transport and hospital 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 your car is damaged in a storm or accident, comprehensive and collision coverage will pay to have it repaired.
The benefits of buying enough insurance are definitely more than the cost, especially if you ever need it. An average driver in America is overpaying over $830 a year so we recommend shopping around at least once a year to ensure rates are inline.
Get lower-cost rates with these ten discounts
Auto insurance is easily one of your largest bills, but discounts can save money and there are some available that you may not even know about. Larger premium reductions will be automatically applied when you purchase, but once in a while a discount must be asked about before they will apply.
- Data Collection Discounts – Drivers who elect to allow driving data collection to look at driving manner by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts as long as the data is positive.
- Multiple Policy Discount – When you have multiple policies with one insurance company you may save at least 10% off all policies.
- Anti-theft Discount – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and that can save you a little bit as well.
- Senior Citizen Rates – Older drivers can possibly qualify for reduced rates.
- Louisville Homeowners Discount – Owning a house in Louisville can help you save on auto insurance due to the fact that maintaining a home shows financial diligence.
- Pay Now and Pay Less – If you can afford to pay the entire bill instead of monthly or quarterly installments you can avoid monthly service charges.
- Paperwork-free – A handful of larger companies give back up to $50 for buying a policy and signing up online.
- Claim-Free Discount – Insureds with no claims or accidents get the best auto insurance rates as compared to policyholders that have many claims.
- Discount for Good Grades – Maintaining excellent grades can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
- Discounts for Safe Drivers – Drivers without accidents can get discounts for up to 45% lower rates as compared to drivers with claims.
As a footnote on discounts, most discounts do not apply to your bottom line cost. Some only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, it’s just not the way it works.
The diagram below compares Chevy Avalanche insurance premiums with and without discounts applied to the rates. The rates are based on a female driver, no claims, a clean driving record, Kentucky 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 safe-driver, homeowner, multi-policy, marriage, claim-free, and multi-car discounts applied.
Some of the larger companies that have some of the discounts shown above may include but are not limited to:
Before you buy a policy, ask each company or agent which discounts they offer. Savings may not apply to policies in Louisville. If you would like to choose from a list of insurance companies that offer discounts in Kentucky, follow this link.
Are car insurance agents of importance?
Some people prefer to buy from a licensed agent and doing that can be a smart decision Licensed agents can help determine the best coverages and give you someone to call. A nice benefit of comparing car insurance online is the fact that drivers can get cheap car insurance quotes but still work with a licensed agent. Buying insurance from local agencies is still important in Louisville.
By using this simple form, your insurance coverage information is transmitted to local insurance agents who will give competitive quotes to get your business. There is no reason to visit any agencies since rate quotes are delivered to the email address you provide. If you have a need to get a price quote from a specific insurance company, just visit that company’s website and fill out the quote form the provide.
Is an exclusive or independent auto insurance agent right for you?
If you need to find an insurance agent, you need to know there are two types of insurance agents to choose from. Louisville agents are classified as either exclusive agents or independent agents. Either type can write car insurance policies, but it’s a good idea to understand the differences because it can influence your agent selection.
Independent Agencies or Brokers
Agents that choose to be independent do not write with just one company and that gives them the ability to insure with lots of companies and possibly get better coverage at lower prices. If premiums increase, your policy is moved internally without you having to go to a different agency.
When searching for an agent, you will definitely want to check rates from several independent agencies in order to have the best price comparison. Most can insure with mutual insurance companies that may have much lower rates than larger companies.
Below is a small list of independent insurance agencies in Louisville who may provide free price quotes.
- Gerald Schott Insurance
10602 Timberwood Cir # 14 – Louisville, KY 40223 – (502) 426-5887 – View Map - National Insurance Agency, Inc.
13804 Lake Point Way # 202 – Louisville, KY 40223 – (502) 425-3232 – View Map - Dick Watts Insurance
12200 Shelbyville Rd #112 – Louisville, KY 40243 – (502) 245-3625 – View Map
Exclusive Car Insurance Agents
Exclusive agents can only provide one company’s prices such as State Farm or Allstate. These agents are unable to shop your coverage around so they really need to provide good service. Exclusive agents are trained well in insurance sales which helps them compete with independent agents. A lot of people use the same agent mostly because of the brand rather than having low rates.
Listed below are exclusive agencies in Louisville willing to provide rate quotes.
- Vince Jarboe – State Farm Insurance Agent
5101 New Cut Rd – Louisville, KY 40214 – (502) 380-3800 – View Map - Bob Dotson – State Farm Insurance Agent
9800 Shelbyville Rd – Louisville, KY 40223 – (502) 339-8086 – View Map - Matt Miller – State Farm Insurance Agent
8321 Preston Hwy – Louisville, KY 40219 – (502) 964-6288 – View Map
Finding the right car insurance agent shouldn’t rely on just a cheap quote. Get answers to these questions too.
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Can you choose the body shop in case repairs are needed?
- Are they in the agency full-time?
- Are they paid to recommend certain coverages?
- Will their companies depreciate repairs to your car based on the mileage?
- Does the agency have a current Errors and Omissions policy?
- Are claims handled at the agent’s location?
Specifics of your auto insurance policy
Learning about specific coverages of your policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.
Coverage for medical expenses
Coverage for medical payments and/or PIP kick in for bills for chiropractic care, dental work, funeral costs and X-ray expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage
Liability coverages
Liability insurance protects you from damages or injuries you inflict on people or other property in an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/10 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $10,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.
Liability coverage protects against things such as funeral expenses, emergency aid and medical services. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford. Kentucky requires minimum liability limits of 25/50/10 but it’s recommended drivers buy better liability coverage.
The chart below shows why buying minimum limits may not be enough.
Collision insurance
Collision insurance will pay to fix damage to your Avalanche from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like damaging your car on a curb, driving through your garage door, backing into a parked car, scraping a guard rail and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible on your Avalanche to get cheaper collision coverage.
Comprehensive auto insurance
Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims like rock chips in glass, damage from flooding, falling objects, damage from a tornado or hurricane and damage from getting keyed. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Coverage for uninsured or underinsured drivers
Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Chevy Avalanche.
Since a lot of drivers only carry the minimum required liability limits (which is 25/50/10), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
The best rates come from being thorough
Budget-friendly car insurance in Louisville can be sourced online as well as from independent agents in Louisville, and you should compare rates from both in order to have the best chance of saving money. A few companies may not have rate quotes online and these small, regional companies work with independent agents.
When searching for low cost Louisville auto insurance quotes, you should never reduce coverage to reduce premium. In many instances, drivers have reduced liability limits or collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. The goal is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.
We just showed you many ways to compare Chevy Avalanche insurance premium rates in Louisville. The key concept to understand is the more quotes you get, the higher the chance of saving money. Consumers may even find the most savings is with some of the lesser-known companies.
Steps to finding cheaper quotes for Chevy Avalanche insurance in Louisville
Truthfully, the best way to get the cheapest car insurance rates in Louisville is to make a habit of comparing prices annually from providers who can sell car insurance in Kentucky. This can be done by following these steps.
Step 1: Read and learn about what coverages are included in your policy and the changes you can make to drop your rates. Many things that increase rates such as multiple speeding tickets and a negative credit score can be controlled by paying attention to minor details.
Step 2: Obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from a single company like GEICO or Allstate, while independent agencies can provide prices from many different companies.
Step 3: Compare the new rate quotes to the premium of your current policy to see if you can save by switching companies. If you find a lower rate quote, make sure there is no lapse in coverage.
Step 4: Give notification to your agent or company of your decision to cancel your current car insurance policy and submit a down payment and signed policy application to the new insurer. Once received, keep the new proof of insurance paperwork with your registration paperwork.
The key aspect of shopping around is to make sure you enter the same amount of coverage on every quote and and to get prices from as many carriers as you can. This helps ensure a level playing field and a thorough price selection.
More detailed car insurance information can be read in the articles below:
- Event Data Recorders FAQ (iihs.org)
- How Much is Car Insurance for Young Drivers in Louisville? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for a Nissan Sentra in Louisville? (FAQ)
- Who Has Affordable Car Insurance for Unemployed Drivers in Louisville? (FAQ)
- What Car Insurance is Cheapest for a 20 Year Old Female in Louisville? (FAQ)
- Who Has the Cheapest Car Insurance Quotes for Drivers with a Bad Driving Record in Louisville? (FAQ)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Safety Belts FAQ (iihs.org)
- Understanding Car Crashes Video (iihs.org)