Have you finally had enough of scraping the payment together to make your auto insurance payment? Your situation is no different than many other Indiana drivers.

Insurance quote for Chevy Avalanche in IndianapolisRemarkably, a study showed that almost 70% of insureds have been with the same company for a minimum of four years, and nearly 40% of drivers have never shopped around. Indiana insurance shoppers could save about $697 every year, but they just don't want to compare rates online.

Companies like GEICO and Progressive all claim big savings, bombarding you with ads and it is challenging if not impossible to ignore the flashy ads and do the work needed to find the best deal.

If you have a policy now, you will surely be able to cut your premiums using the techniques covered below. Locating the best rates in Indianapolis is much easier if you know where to start. But Indiana consumers must understand how big insurance companies sell insurance online because rates are impacted by many factors.

Companies offering Chevy Avalanche insurance in Indianapolis

The car insurance companies shown below have been selected to offer free quotes in Indiana. If several companies are displayed, it's highly recommended you click on several of them to get a more complete price comparison.

Chevrolet Avalanche Insurance Estimates in Indianapolis, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avalanche LS 2WD $220 $362 $474 $28 $142 $1,226 $102
Avalanche LT 2WD $138 $250 $362 $22 $108 $880 $73
Avalanche LS 4WD $196 $400 $424 $26 $128 $1,174 $98
Avalanche LT 4WD $172 $270 $460 $28 $138 $1,068 $89
Avalanche LTZ 2WD $302 $530 $474 $28 $142 $1,476 $123
Avalanche LTZ 4WD $162 $306 $456 $28 $136 $1,088 $91
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Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Premium costs do not factor in the specific area where the vehicle is garaged which can impact price quotes considerably.

Rate comparison for different deductibles

One frequently asked question is which deductible level should you buy. The premium rates below approximate the cost difference between low and high physical damage deductibles. The first data table uses a $100 deductible for physical damage and the second price grid uses a $500 deductible.

Chevrolet Avalanche insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avalanche LS 2WD $272 $436 $350 $20 $106 $1,209 $101
Avalanche LT 2WD $272 $514 $350 $20 $106 $1,287 $107
Avalanche LS 4WD $272 $514 $350 $20 $106 $1,287 $107
Avalanche LT 4WD $272 $514 $350 $20 $106 $1,287 $107
Avalanche LTZ 2WD $304 $514 $350 $20 $106 $1,319 $110
Avalanche LTZ 4WD $304 $514 $350 $20 $106 $1,319 $110
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Chevrolet Avalanche insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avalanche LS 2WD $200 $294 $350 $20 $106 $970 $81
Avalanche LT 2WD $200 $348 $350 $20 $106 $1,024 $85
Avalanche LS 4WD $200 $348 $350 $20 $106 $1,024 $85
Avalanche LT 4WD $200 $348 $350 $20 $106 $1,024 $85
Avalanche LTZ 2WD $222 $348 $350 $20 $106 $1,046 $87
Avalanche LTZ 4WD $222 $348 $350 $20 $106 $1,046 $87
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Premium costs do not factor in vehicle garaging location which can modify coverage prices greatly.

Based on the data above, we can derive that using a $100 deductible will cost you about $22 more each month or $264 each year than quoting the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to go more than 18 months between claim filings, you would more than likely save some money if you choose a higher deductible. The illustration below shows a better example of how we made this calculation.

Average monthly premium for $100 deductibles: $107
Average monthly premium for $500 deductibles (subtract): - $85
Monthly savings from raising deductible: $22
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $22
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

An important thing to remember is that raising deductibles results in more money out-of-pocket when you have a physical damage claim. It will be required that you have some savings in order to pay more for the deductible.

Insurance rate increases from tickets or accidents

The illustration below illustrates how speeding tickets and at-fault claims influence Chevrolet Avalanche insurance costs for different insured age categories. Data assumes a married male driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.

Affordable rates by applying discounts

Car insurance is not cheap, but there may be some discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically when you purchase, but a few must be asked for before being credited.

A quick disclaimer, some of the credits will not apply to all coverage premiums. Most cut the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like you would end up receiving a 100% discount, that's just not realistic.

A few popular companies and some of the discounts are:

When quoting, ask every prospective company how many discounts you can get. Some credits might not be offered in every state.

Insurance agents can help

Keep in mind that when it comes to choosing adequate coverage, there is no one size fits all plan. Everyone's situation is a little different and your auto insurance should be unique as well. These are some specific questions can aid in determining whether you may require specific advice.

If you don't know the answers to these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Local Indianapolis insurance agencies

A small number of people prefer to have an agent's advice and that can be a smart move One of the best bonuses of comparing rate quotes online is you can get cheap car insurance rates and still have an agent to talk to.

Indianapolis insurance agentsBy using this simple form, your coverage information is instantly submitted to participating agents in Indianapolis that give free quotes for your business. It simplifies rate comparisons since you won't have to do any legwork as quotes are delivered instantly to you. You can find lower rates and a licensed agent to work with. If you need to get a rate quote from a specific company, feel free to go to their quote page and give them your coverage information.

Choosing the best provider needs to be determined by more than just a cheap price quote. A good agent in Indianapolis will have answers to these questions.

Compare rates from both independent and exclusive auto insurance agents

When looking for local Indianapolis agents, you must know there are a couple different agency structures to choose from. Car insurance agencies can be categorized as either exclusive or independent (non-exclusive).

Exclusive Agents

Exclusive agencies can only write with one company such as Farmers Insurance, State Farm, Allstate, and AAA. They usually cannot shop your coverage around so it's a take it or leave it situation. Exclusive insurance agents receive a lot of sales training on the products they sell which helps overcome the inability to quote other rates.

The following are Indianapolis exclusive agents who can help you get rate quotes.

Charlotte Adams-Jones - State Farm Insurance Agent
5034 E 56th St - Indianapolis, IN 46226 - (317) 252-5933 - View Map

1398 Shadeland Ave Ste 2233 - Indianapolis, IN 46219 - (317) 353-6225 - View Map

7035 E 96th St Suite S-2 - Indianapolis, IN 46250 - (317) 897-1900 - View Map

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Independent Car Insurance Agents

Agents that elect to be independent do not work for one specific company and that gives them the ability to insure with many different companies and potentially find a lower price. If your premiums go up, the business is moved internally which is easy for the insured.

When shopping rates, we recommend you contact independent agents so that you can do a thorough price comparison.

The following are independent agents in Indianapolis that can give you rate quotes.

1402 N Capitol Ave #400 - Indianapolis, IN 46202 - (317) 634-7491 - View Map

355 Indiana Ave - Indianapolis, IN 46204 - (317) 464-5000 - View Map

4255 Lafayette Rd - Indianapolis, IN 46254 - (317) 290-2055 - View Map

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Don't be fooled by advertising claims

Popular insurance providers such as State Farm and Allstate regularly use television and radio advertisements. All the companies have a common claim about how much you will save if you switch your coverage to them. How does every company make almost identical claims? Just pay attention to how they say it.

Many companies have specific characteristics for the type of driver that is profitable for them. A good example of this type of risk profile may be between 30 and 50, has never had a policy lapse, and has a high credit rating. A customer getting a price quote who fits those characteristics is entitled to the best price and most likely will save some money.

Drivers who do not fit this stringent profile will have to pay a more expensive rate which results in business not being written. The wording the ads use say "customers who switch" but not "everyone who gets a quote" save the amount stated. That's why companies can truthfully make claims that they all have the best premium rates. This illustrates why you really need to get as many free Indianapolis auto insurance quotes as possible. Because you never know which insurance company will be your best fit.

Don't give up on cheaper coverage

We covered a lot of techniques to reduce Chevy Avalanche insurance premium rates online in Indianapolis. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even be surprised to find that the biggest savings come from an unexpected company. These companies may cover specific market segments cheaper than their larger competitors like Allstate, GEICO and Progressive.

Cheaper insurance in Indianapolis can be bought on the web and from local agencies, so you need to quote Indianapolis auto insurance with both to have the best selection. Some companies don't offer internet price quotes and usually these smaller providers only sell through independent agencies.

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