Cheaper 2003 Chevrolet Avalanche Insurance Quotes

Searching for better insurance prices for a new or used Chevy Avalanche can be a lot of work, but you can learn these tips to find lower rates. There are both good and bad ways to find insurance online so we’re going to tell you the quickest way to get price quotes for a Chevy and locate the cheapest rates either online or from local insurance agents.

Buying car insurance is easy if you know what you’re doing. If you have a current insurance coverage policy or are just looking to switch companies, you can use these techniques to get lower rates and still get good coverage. Drivers just need to know the most effective way to compare prices on the web.

Your Chevy Avalanche insurance rate is a complex equation

An important part of buying insurance is that you know the different types of things that play a part in calculating insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

  • Do you work long hours in a high stress job? – Jobs such as lawyers, business owners and stock brokers tend to have the highest rates in part from high stress and lengthy work days. On the other hand, occupations such as actors, students and the unemployed receive lower rates on Avalanche insurance.
  • A lapse in coverage is a bad thing – Having an insurance coverage lapse is a fast way to increase your insurance rates. And not only will insurance be more expensive, failure to provide proof of insurance may earn you a hefty fine and possibly a revoked license.Then you may be required to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Lower rates with optional equipment – Owning a car with anti-theft technology or alarm system can help lower your rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft.
  • Younger drivers pay higher rates – Teenage drivers are known to be more careless in a vehicle so they pay higher insurance rates. Mature drivers are viewed as being more responsible, file fewer claims and tend to be better behind the wheel.
  • Battle of the sexes – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. Both sexes have accidents in similar numbers, but the male of the species cause more damage. Men also tend to receive more costly citations like reckless driving and DUI. Teenage male drivers tend to get in the most accidents and therefore have the most expensive insurance rates.
  • Adjust deductibles and save – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Chevy. Examples of covered claims could be colliding with a building, damage from fire, and burglary. Deductibles for physical damage are how much you are willing to pay out-of-pocket if you file a covered claim. The more money you’re willing to pay, the bigger discount you will receive on Avalanche insurance.
  • Proper usage rating affects rates – Driving more miles each year the more you will pay for insurance. Most companies price each vehicle’s coverage based on how the vehicle is used. Vehicles that are left in the garage qualify for better rates than vehicles that are driven to work every day. An improperly rated Avalanche can cost quite a bit. Verify your insurance coverage is showing the proper vehicle usage.
  • Do you need the policy add-ons? – There are a ton of additional coverages that you can get tricked into buying on your insurance policy. Coverages like vanishing deductibles, accidental death and term life insurance are some examples. They may seem like a good idea when you first buy your policy, but if they’re wasting money get rid of them and save.

Policy discounts you shouldn’t miss

Companies that sell car insurance don’t always advertise all their discounts in an easy-to-find place, so we researched some of the more common and also the lesser-known ways to save on auto insurance. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Accident Free – Good drivers with no accidents pay less as compared to accident-prone drivers.
  • Senior Discount – If you qualify as a senior citizen, you may be able to get reduced rates on Avalanche insurance.
  • Good Student Discount – A discount for being a good student can earn a discount of 20% or more. The discount lasts up to age 25.
  • Accident Forgiveness – Some insurance companies will allow you to have one accident before your rates go up so long as you haven’t had any claims for a set time period.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on the same auto insurance policy may reduce the rate for each vehicle.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, you’re out of luck.

For a list of companies who offer auto insurance discounts, click this link.

Do drivers who switch really save?

Consumers constantly see and hear ads that promise big savings by companies like State Farm, Allstate and GEICO. They all make an identical promise that you can save if you change to them.

How can each company make the same claim? This is how they do it.

All companies can use profiling for the right customer they prefer to insure. A good example of a preferred risk might be between 30 and 50, a clean driving record, and drives less than 10,000 miles a year. A driver who fits that profile will qualify for the lowest rates and therefore will pay quite a bit less when switching companies.

Drivers who don’t qualify for the requirements will have to pay a more expensive rate and ends up with business not being written. The ads state “drivers who switch” not “people who quote” save that much money. That’s the way insurance companies can advertise the way they do. Because of the profiling, drivers should get a wide range of price quotes. It is impossible to predict which insurance company will provide you with the cheapest Chevy Avalanche insurance rates.

Insurance agents can help

When it comes to choosing the best insurance coverage, there is no cookie cutter policy. Every situation is different.

For instance, these questions might help in determining if you could use an agent’s help.

  • Does my personal policy cover me when driving out-of-state?
  • How much liability insurance is required?
  • Do all my vehicles need collision coverage?
  • Is business equipment covered while in my vehicle?
  • Can I still get insurance after a DUI?
  • Do I need motorclub coverage?
  • What is PIP insurance?
  • Which is better, split liability limits or combined limits?
  • Do I have coverage for damage caused while driving under the influence?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverage information

Learning about specific coverages of your car insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Liability auto insurance – This coverage will cover injuries or damage you cause to other people or property. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as funeral expenses, structural damage and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Medical expense insurance – Med pay and PIP coverage pay for short-term medical expenses like EMT expenses, surgery, X-ray expenses and dental work. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Chevy Avalanche.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Comprehensive (Other than Collision) – This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a deer, damage from flooding and theft. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage – This will pay to fix damage to your Avalanche resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with a tree, colliding with another moving vehicle, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

More comparisons equals lower rates

People leave their current company for a variety of reasons including not issuing a premium refund, policy non-renewal, an unsatisfactory settlement offer and high prices. Regardless of your reason for switching companies, finding the right car insurance provider is pretty easy and you might even save some money in the process.

Cheap 2003 Chevy Avalanche insurance is possible on the web in addition to many insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies do not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

When buying insurance coverage, do not reduce coverage to reduce premium. There are too many instances where someone dropped collision coverage only to discover later that the few dollars in savings costed them thousands. The proper strategy is to buy the best coverage you can find at the best price while still protecting your assets.

Additional information