2002 Chevrolet Avalanche Insurance Quotes

Finding and buying car insurance is not a chore car owners enjoy doing, but it’s a required process before the rubber hits the road.

It’s a good habit to take a look at other company’s rates every six months since insurance rates change regularly. Despite the fact that you may have had the lowest rates for Avalanche coverage on your last policy the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because you’re about to find out the things you must know in order to find better coverage at a better price.

Auto Insurance Quote Comparison

Effectively comparing auto insurance prices can take hours if you aren’t aware of the easiest way. You could waste time discussing policy coverages with insurance agencies in your area, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

Many of the larger companies belong to a marketplace where insurance shoppers enter their coverage request one time, and every company can give them a price based on the submitted data. This system prevents you from having to do quote forms for each company.

To fill out one form to compare multiple rates now click here to start a free quote.

The single downside to pricing coverage this way is you don’t know exactly the companies to get quotes from. If you prefer to choose from a list of companies to receive pricing from, we have a listing of companies who write auto insurance in your area. Click here for list of insurance companies.

Whichever way you use, be sure to compare exactly the same coverage information for every company. If you use different limits and deductibles on each one you can’t possibly determine the best price for your Chevy Avalanche. Quoting even small variations in coverages may result in a large different in cost. It’s important to know that quoting more will increase your chances of finding the best offered rates.

Is my situation unique?

When it comes to choosing the best insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s needs are different.

These are some specific questions may help highlight if you could use an agent’s help.

• Am I covered when driving a rental car?
• How many claims can I have before being cancelled?
• Can I make deliveries for my home business?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Does my 2002 Chevy Avalanche need full coverage?
• How much liability do I need to cover my assets?
• Is a new car covered when I drive it off the dealer lot?
• Are rock chip repairs covered?

If you can’t answer these questions then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form.

What insurance coverages do you need?

Understanding the coverages of insurance helps when choosing the right coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability insurance

Liability insurance provides protection from damages or injuries you inflict on other people or property. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as attorney fees, structural damage, pain and suffering and medical services. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, damage from flooding, vandalism and falling objects. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision coverage will pay to fix damage to your Avalanche caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like scraping a guard rail, driving through your garage door, crashing into a ditch and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like X-ray expenses, chiropractic care, funeral costs, nursing services and EMT expenses. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Chevy Avalanche.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Frequently these limits do not exceed the liability coverage limits.