Chevy Avalanche Insurance Rates in Jersey City

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Insurance quote for Chevy Avalanche in Jersey CityThe best way we recommend to get low-cost Chevy Avalanche insurance is to compare prices regularly from insurance carriers who provide car insurance in Jersey City. Drivers can shop around by following these steps.

  1. Try to learn about how companies price auto insurance and the changes you can make to prevent expensive coverage. Many risk factors that cause rate increases such as at-fault accidents and bad credit can be improved by making minor driving habit or lifestyle changes. Keep reading for more details to help reduce prices and get discounts that may be overlooked.
  2. Get rate quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from a single company like GEICO and State Farm, while independent agencies can quote rates from many different companies. Get quotes now
  3. Compare the new rates to your current policy and see if there is a cheaper rate in Jersey City. If you find a lower rate, ensure there is no coverage lapse between policies.
  4. Provide proper notification to your current company of your intent to cancel your current auto insurance policy and submit the completed application along with a down payment for your new coverage. Once the application is submitted, put the proof of insurance paperwork with your registration paperwork.

One bit of advice is to use similar deductibles and liability limits on every quote request and and to get prices from as many carriers as you can. Doing this enables a level playing field and a better comparison of the market.

Everyone knows that auto insurance companies want to prevent you from shopping around. People who shop around for cheaper prices will most likely buy a new policy because there is a good chance of finding lower rate quotes. Surprisingly, a recent survey revealed that drivers who made a habit of comparing rate quotes saved approximately $860 a year as compared to drivers who didn't regularly shop around.

If finding the cheapest price on Chevy Avalanche insurance in Jersey City is your objective, then having some knowledge of how to shop and compare insurance can make the process less intimidating.

Comparison shopping for the cheapest car insurance policy in Jersey City is quite easy. Essentially every driver who requires lower cost car insurance will probably find a better price. Nevertheless, New Jersey drivers benefit from understanding the way companies calculate your policy premium and use it to your advantage.

Keep in mind that comparing more quotes will enable you to find a lower rate than you're paying now. Some regional insurers cannot provide rate quotes online, so it's important to compare price estimates on coverage from those companies, too.

The car insurance companies shown below provide quotes in Jersey City, NJ. If multiple companies are listed, we suggest you click on several of them in order to get a fair rate comparison.

Facts and figures for Chevy Avalanche insurance

The premium table displayed below outlines estimates of insurance policy prices for Chevy Avalanche models. Having insight into how insurance quotes are established can help customers make decisions when choosing a new policy provider.

Chevrolet Avalanche Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avalanche LS 2WD $334 $580 $726 $44 $218 $1,902 $159
Avalanche LT 2WD $334 $684 $726 $44 $218 $2,006 $167
Avalanche LS 4WD $334 $684 $726 $44 $218 $2,006 $167
Avalanche LT 4WD $334 $684 $726 $44 $218 $2,006 $167
Avalanche LTZ 2WD $372 $684 $726 $44 $218 $2,044 $170
Avalanche LTZ 4WD $372 $684 $726 $44 $218 $2,044 $170
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New Jersey minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Price information does not factor in specific garaging location which can increase or decrease rates substantially.

Raise deductibles and save

One common question asked by Jersey City drivers is the level to set your comp and collision deductibles. The rates below illustrate how much more rates are of buying low and high comp and collision deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second price grid uses a $1,000 deductible.

Chevrolet Avalanche insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avalanche LS 2WD $420 $626 $600 $36 $180 $1,887 $157
Avalanche LT 2WD $420 $738 $600 $36 $180 $1,999 $167
Avalanche LS 4WD $420 $738 $600 $36 $180 $1,999 $167
Avalanche LT 4WD $420 $738 $600 $36 $180 $1,999 $167
Avalanche LTZ 2WD $466 $738 $600 $36 $180 $2,045 $170
Avalanche LTZ 4WD $466 $738 $600 $36 $180 $2,045 $170
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Chevrolet Avalanche insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Avalanche LS 2WD $258 $394 $600 $36 $180 $1,468 $122
Avalanche LT 2WD $258 $464 $600 $36 $180 $1,538 $128
Avalanche LS 4WD $258 $464 $600 $36 $180 $1,538 $128
Avalanche LT 4WD $258 $464 $600 $36 $180 $1,538 $128
Avalanche LTZ 2WD $288 $464 $600 $36 $180 $1,568 $131
Avalanche LTZ 4WD $288 $464 $600 $36 $180 $1,568 $131
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Premium costs do not factor in Jersey City location which can decrease or increase prices noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you about $38 more each month or $456 every year than opting for the higher $1,000 deductible. Since you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 20 months between claims, you would probably come out ahead if you choose a higher deductible.

How to decide to raise your deductibles

Average monthly premium for $250 deductibles: $166
Average monthly premium for $1,000 deductibles (subtract): - $128
Monthly savings from raising deductible: $38
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $38
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

An important sidenote is that a higher deductible level results in having to pay to pay more out-of-pocket if you have a claim. You need enough extra money in the event you have to pay the deductible to have repairs made.

The information below illustrates how your deductible choice and can increase or decrease Chevy Avalanche annual premium costs for different age groups. The premiums are based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.

Liability only or full coverage

The chart below compares Chevy Avalanche insurance costs when comparing full coverage to state minimum liability only. The data assumes a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are single, and no additional discounts are factored in.

When to stop buying physical damage coverage

There is no exact rule of when to phase out physical damage coverage on your policy, but there is a general convention. If the annual cost of coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let's assume your Chevy Avalanche replacement cost is $7,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $6,000 after paying your policy deductible. If you are paying over $600 a year to have full coverage, then it might be time to consider dropping full coverage.

There are some conditions where eliminating full coverage is not advised. If you haven't paid off your loan, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can't afford to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Why you need insurance for your Avalanche

Despite the fact that auto insurance is not cheap in Jersey City, auto insurance is required for several reasons.

  • Almost all states have minimum mandated liability insurance limits which means you are required to carry specific limits of liability insurance coverage in order to get the vehicle licensed. In New Jersey 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.
  • If your Avalanche has a loan, almost every bank will make it mandatory that you have insurance to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Chevy for a lot more money and make you pay the higher premium.
  • Insurance safeguards both your vehicle and your assets. It will also reimburse you for most medical and hospital costs for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, will also pay for a defense attorney if you are sued as the result of your driving. If mother nature or an accident damages your car, your policy will pay to have it repaired.

The benefits of insuring your Avalanche are without a doubt worth the cost, specifically if you ever have a liability claim. Today the average American driver is overpaying over $865 each year so compare rates every year to save money.

Auto insurance coverage information

Knowing the specifics of a insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Auto collision coverage

This coverage covers damage to your Avalanche from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as damaging your car on a curb, scraping a guard rail, sideswiping another vehicle, crashing into a building and hitting a parking meter. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible on your Avalanche to save money on collision insurance.

Liability car insurance

Liability coverage provides protection from damages or injuries you inflict on a person or their property. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 15/30/5 that translate to a $15,000 limit per person for injuries, a limit of $30,000 in injury protection per accident, and a limit of $5,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as repair bills for other people's vehicles, structural damage, medical services, funeral expenses and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible. New Jersey state law requires minimum liability limits of 15/30/5 but drivers should carry more liability than the minimum.

The next chart demonstrates why buying low liability limits may not provide you with enough coverage.

Coverage for medical expenses

Med pay and PIP coverage kick in for short-term medical expenses such as hospital visits, rehabilitation expenses, chiropractic care and dental work. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Chevy Avalanche.

Because many people carry very low liability coverage limits (15/30/5), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Most of the time these limits are identical to your policy's liability coverage.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hail damage, damage from a tornado or hurricane, fire damage, vandalism and hitting a bird. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.