2012 Chevy Avalanche Insurance Analysis

The 2012 Chevy Avalanche is the larger beast of the popular hybrid vehicle.

The 2012 Chevy Avalanche is an insteresting hybrid of a truck and a huge SUV.

When we talk of the 2012 Chevy Avalanche as being a hybrid vehicle we are not talking about the hybrid gas/electric running vehicles. We are literally talking about this vehicle being a physical cross between two vehicles, with a little bit of tweaking in the middle.

With a little bit of this and a little bit of that, the insurance premium may end up a little interesting.

What Exactly is the 2012 Chevy Avalanche?

The 2012 Avalanche is a literal cross between a crew cab truck and a Chevy Suburban. Chevy basically cut the back end out of the Suburban and threw a truck bed there instead.

Now, before you scratch your head at the thinking behind this one, you also need to know that the Chevy Avalanche is also a convertible vehicle. You can remove the window behind the back seats, lay the rear seats flat and then you have an 8-foot truck bed. So with the Chevy Avalanche you can either carry a lot of people or a lot of payload.

Insurance Thoughts in the 2012 Chevy Avalanche

The first thing that comes to mind about the 2012 Avalanche insurance is that it is going to be expensive. First, there are no safety ratings with the Insurance Institute of Highway Safety for the 2012 Avalanche. Also, the only safety rating with the National Highway Traffic Safety Administration is for the rollover test, and it only rated as being mediocre.

With absent safety information, the insurance companies are going to have to rely on accident information from previous years. However, when there is an absence of data though, they will always err on the side of higher premiums to cover potential medical loses.

The second thing that comes to mind is that with a hybrid vehicle like this, making repairs is going to be more expensive. The vehicle is already pricey to begin with (as compared to regular trucks); which is going to make your parts more expensive, so you are looking at potentially higher comprehensive and collision coverages.

Finally, all we have left is liability coverage. So I put it to you in a question. If a Chevy Avalanche hits a sedan, who is going to sustain the most damage? The sedan – right? With the Chevy Avalanche being able to cause more damage and injuries than other vehicles, more than likely you are going to be looking at a higher liability premium.

Of course, for a more specific insurance premium on the 2012 Chevy Avalanche you need to get a quote from your insurance company.