Trying to find low-cost insurance for a Chevy Avalanche in Wisconsin can be difficult, but you can learn the following methods to make it easier. There are both good and bad ways to find insurance online and you need to know the quickest way to compare rates on a Chevy and obtain the lowest possible price either online or from Milwaukee insurance agents.
Unbelievably, the vast majority of drivers renewed their policy with the same company for four years or more, and almost 40% of drivers have never quoted rates to find affordable coverage. Consumers in Wisconsin can save $400 each year by just comparing quotes, but they assume it’s a waste of time to find affordable insurance by shopping around.
If you already have coverage or just want a better rate, you can use these tips to get lower rates while maximizing coverage. Finding and buying the best car insurance in Milwaukee is easy if you know what you’re doing. You just need to know the proper way to compare insurance rates from multiple carriers.
Best companies for low-cost Chevy Avalanche insurance in Wisconsin
The companies in the list below provide price quotes in Wisconsin. If multiple providers are shown, we recommend you compare several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Avalanche LS 2WD||$164||$242||$288||$18||$86||$798||$67|
|Avalanche LT 2WD||$182||$324||$296||$18||$88||$908||$76|
|Avalanche LS 4WD||$118||$250||$374||$22||$112||$876||$73|
|Avalanche LT 4WD||$192||$398||$374||$22||$112||$1,098||$92|
|Avalanche LTZ 2WD||$166||$262||$296||$18||$88||$830||$69|
|Avalanche LTZ 4WD||$192||$346||$302||$18||$90||$948||$79|
|Get Your Own Custom Quote Go|
Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Premium costs do not factor in the specific area where the vehicle is garaged which can affect coverage prices considerably.
Premiums by gender and age
The chart below visualizes the comparison of Chevrolet Avalanche annual premium costs for male and female drivers. The rates are based on no claims or violations, full coverage, $1,000 deductibles, single marital status, and no discounts are applied to the premium.
How much more does full coverage cost?
The illustration below shows the difference between Chevrolet Avalanche annual premium costs with full physical damage coverage compared to only buying liability only. The price estimates are based on no violations or claims, $1,000 deductibles, single female driver, and no discounts are applied.
Are you wasting money paying for full coverage?
There is no set guideline of when to exclude physical damage coverage, but there is a general guideline. If the annual cost of your full coverage insurance is more than around 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.
For example, let’s assume your Chevrolet Avalanche book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company would pay you is $2,000 after paying your policy deductible. If you are paying over $200 a year for physical damage coverage, then you may need to consider dropping full coverage.
There are some circumstances where dropping physical damage coverage is not recommended. If you haven’t satisfied your loan, you have to maintain full coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should maintain full coverage.
Higher deductibles save money
The chart below demonstrates how deductibles and can change Chevrolet Avalanche annual premium costs for different age categories. The costs are based on a married female driver, full coverage, and no additional discounts are factored in.
How You Can Control Chevy Avalanche Insurance Rates
Multiple criteria are part of the equation when you quote your car insurance policy. Some of the criteria are obvious such as your driving history, but other factors are not as apparent such as your marital status or your commute time. It’s important that you understand the factors that come into play when calculating auto insurance rates. If you know what determines premiums, this allows you to make educated decisions that may result in lower auto insurance prices.
Youthful drivers cost more – Teenage drivers in Wisconsin have a tendency to be inattentive in a vehicle so they pay higher auto insurance rates. Parents adding a inexperienced driver to your policy can really hurt. Older insureds tend to be more responsible, cause fewer claims and accidents, and are safer drivers.
Occupation and insurance rates – Do you work in a high-stress field? Occupations such as doctors, air traffic controllers, and miners tend to have higher rates than the rest of us because of stressful work requirements and lengthy work days. On the flip side, occupations like scientists, historians and homemakers pay lower than average rates.
Credit rating impact auto insurance prices – An insured’s credit rating can be a huge factor in determining what you pay. People that have high credit scores tend to be better drivers and file fewer claims as compared to drivers with poor credit scores. If your credit rating could use some work, you could be paying less to insure your Chevrolet Avalanche by spending a little time repairing your credit.
Gender and insurance coverage rates – Over the last 30 years, statistics show women are more cautious behind the wheel. It does not mean females are better at driving than males. They both are responsible for at-fault accidents in similar percentages, but the men cause more damage. Men also statistically get more serious tickets like DUI and reckless driving. Young males are the most expensive to insure so they pay the highest premiums.
Save by driving less – The more miles you rack up on your Chevy every year the higher your rates will be. Most insurance companies charge rates based upon how the vehicle is primarily used. Cars used primarily for pleasure use can be on a lower rate level as compared to vehicles used primarily for driving to work. Make sure your vehicle rating states the right rating data. An improperly rated Avalanche is throwing money out the window.
Less chance of injury means lower auto insurance rates – Vehicles that have high safety ratings get lower rates. Vehicles built for safety help reduce the chance of injuries in an accident and reduced instances of injuries translates directly to fewer claims which can mean better rates for you. If your Chevy Avalanche is rated at least four stars on Safercar.gov it may be receiving lower rates.
The type of car makes a difference – The performance level of the car or truck you are trying to find cheaper insurance for makes a big difference in your premium level. Since the Chevrolet Avalanche is considered a pickup/SUV, insuring your vehicle will cost a little bit more when compared to the average rates in Milwaukee. Economy passenger vehicles generally receive the lowest base rates, but the cost you end up paying is determined by many additional factors.
Cheaper Milwaukee insurance rates with discounts
Some insurance providers don’t necessarily list every possible discount in an easy-to-find place, so the list below gives a summary of a few of the more common and also the lesser-known insurance savings. If you do not check that you are getting every discount possible, you are not getting the best rate possible.
- Good Grades Discount – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
- Responsible Drivers – Insureds without accidents can get discounts for up to 45% lower rates as compared to drivers with claims.
- Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save a little off the PIP or medical payment premium.
- Early Switch Discount – A few companies allow discounts for switching policies prior to your current Avalanche insurance policy expiring. It can save you around 10%.
- Accident Waiver – Not really a discount, but a handful of insurance companies will let one accident slide without raising rates so long as you are claim-free for a certain period of time.
- Data Collection Discounts – People who choose to allow companies to scrutinize driving patterns by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if they show good driving skills.
- Discount for Home Ownership – Just being a homeowner may trigger a policy discount on insurance since home ownership requires a higher level of personal finance.
- Resident Student – College-age children who attend college more than 100 miles from Milwaukee without a vehicle on campus may be able to be covered for less.
One thing to note about discounts is that some of the credits will not apply to the entire policy premium. Some only reduce individual premiums such as collision or personal injury protection. Despite the fact that it seems like all those discounts means the company will pay you, that’s just not realistic.
Companies that possibly offer some of the discounts shown above include:
If you need lower rates, check with all the companies the best way to save money. Some of the discounts discussed earlier may not apply to policies in Milwaukee. To find providers with significant discounts in Wisconsin, follow this link.
Local agents and auto insurance
A small number of people would rather talk to an insurance agent and doing so can bring peace of mind Professional agents are trained risk managers and give you someone to call. A good thing about price shopping on the web is the fact that drivers can get cheap rate quotes and still have a local agent.
Upon completion of this form (opens in new window), the coverage information is transmitted to agents in your area that provide free Milwaukee car insurance quotes for your insurance coverage. There is no need to leave your computer because quoted prices will be sent directly to your email. In the event you want to compare prices from one company in particular, you can always visit that company’s website and fill out the quote form the provide.
Deciding on an company should depend on more than just the price. These are some questions your agent should answer.
- Do they write coverage based solely on cost?
- What company holds the largest book of business for them?
- What insurance companies do they recommend if they are an independent agent?
- Did they already check your driving record and credit reports?
- Does the agency have a good rating with the Better Business Bureau?
Pick the best auto insurance agent in Milwaukee for you
When narrowing the list to find an insurance agent, it can be helpful to understand the different agency structures to choose from. Agents are considered either exclusive agents or independent agents. Either one can properly insure your vehicles, but it is important to understand the difference between them since it may influence buying decisions.
Agents in the exclusive channel can only place business with one company such as AAA, Allstate, and State Farm. Exclusive agents cannot provide prices from multiple companies so they have to upsell other benefits. Exclusive agents are very knowledgeable on their company’s products and that allows them to sell at a higher price point. Drivers often use the same exclusive agent mostly because of the brand name instead of buying on price only.
Shown below are exclusive insurance agencies in Milwaukee who may provide you with price quote information.
- American Family Insurance – Jaime Mercado
709 W Layton Ave – Milwaukee, WI 53221 – (414) 481-4400 – View Map
- American Family Insurance – Paul Rathkamp
11805 W Hampton Ave – Milwaukee, WI 53225 – (414) 438-1515 – View Map
- American Family Insurance – Joseph Setum Jr
3457 S Kinnickinnic Ave – Milwaukee, WI 53207 – (414) 769-0701 – View Map
Independent Insurance Agents
Independent agencies often have many company appointments so they can insure your vehicles through many different auto insurance companies and possibly get better coverage at lower prices. If they find a lower price, your policy is moved internally and that require little work on your part. When searching for an agent, it’s a good idea to include independent agents for the best price selection. Most independent agents also contract with smaller mutual companies which can be an advantage.
The following is a short list of independent insurance agencies in Milwaukee who can help you get price quotes.
- Procter Insurance Agency
2315 10th Ave – South Milwaukee, WI 53172 – (414) 762-8900 – View Map
- See Insurance
4680 W Bradley Rd #203 – Milwaukee, WI 53223 – (414) 355-5433 – View Map
- Frank Marchan Insurance Agency, LLC
3931 S Howell Ave – Milwaukee, WI 53207 – (414) 755-4999 – View Map
After talking to the agent and getting positive responses to these questions as well as cheap Avalanche insurance quotes, it’s a good possibility that you have found an insurance agency that will insure your vehicles. Just understand that you can cancel your coverage at any point so don’t assume that you are obligated to any specific agency indefinitely.
Misconceptions in auto insurance advertisements
Consumers can’t ignore all the ads that claim the best premium rates from companies such as State Farm, GEICO and Progressive. They all seem to state the claim about saving some big amount if you just switch your auto insurance policy to them.
How is it possible that every company can charge you less for car insurance? This is how they do it.
Different companies provide the lowest rates for the type of driver that will most likely be profitable. For instance, this type of insured could possibly be between the ages of 30 and 50, owns their home, and drives less than 7,500 miles a year. Anyone who matches that profile receive the lowest rate quotes in Milwaukee and will most likely save a lot of money.
Potential customers who may not quite match the requirements must pay higher rates and ends up with business going elsewhere. The ads state “customers who switch” not “everybody who quotes” save that much money. This is how insurance companies can confidently make those claims. Because of this risk profiling, it’s extremely important to get Milwaukee car insurance quotes from several different companies. Because you never know which auto insurance company will provide you with the cheapest Chevy Avalanche insurance in Milwaukee.
Do I need special coverages?
When choosing the best auto insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s and your auto insurance should be unique as well.
For instance, these questions may help you determine if you could use an agent’s help.
- Does my policy cover my teen driver if they drive my company car?
- Do I have coverage when pulling a U-Haul trailer?
- Can good grades get a discount?
- What happens if I owe more than my Chevy Avalanche is worth?
- Is a blown tire covered by insurance?
- Should I carry comprehensive and collision coverage?
If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.
Don’t give up on affordable premiums
When buying insurance coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. In many instances, an insured cut comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. Your aim should be to find the BEST coverage at an affordable rate but still have enough coverage for asset protection.
Cheaper insurance in Milwaukee is attainable on the web as well as from insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies don’t offer rates over the internet and many times these smaller providers work with local independent agents.
We covered a lot of information how to reduce Chevy Avalanche insurance prices online in Milwaukee. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may even find the best prices are with a small mutual company. These companies may cover specific market segments cheaper than the large multi-state companies such as State Farm and Allstate.
For more information, feel free to visit these articles:
- A Tree Fell on Your Car: Now What? (Allstate)
- How Much is Milwaukee Auto Insurance for Police Officers? (FAQ)
- Who Has Cheap Auto Insurance for a GMC Sierra in Milwaukee? (FAQ)
- What Insurance is Cheapest for a School Permit in Milwaukee? (FAQ)
- How Much are Milwaukee Car Insurance Rates for a Chevrolet Silverado? (FAQ)
- Who Has Cheap Milwaukee Auto Insurance Rates for Teenage Males? (FAQ)
- Who Has the Cheapest Milwaukee Car Insurance for Drivers Requiring a SR22? (FAQ)
- Who Has Affordable Milwaukee Auto Insurance Rates for a Toyota RAV4? (FAQ)
- How Much is Car Insurance for Real Estate Agents in Milwaukee? (FAQ)
- Vehicle Insurance in the U.S. (Wikipedia)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Avoiding Deer Collisions (Insurance Information Institute)