Compare 2006 Chevrolet Avalanche Insurance Cost

Trying to find the cheapest insurance rates for your Chevrolet Avalanche? Sick and tired of scraping the payment together each month for car insurance? Your situation is no different than many other drivers. Lots of car insurance companies contend for your business, so it’s not easy to compare every insurance company and get the definite cheapest price

It’s smart to check insurance prices quite often because insurance rates are adjusted regularly by insurance companies. If you had the best rates for Avalanche insurance a year ago the chances are good that you can find a lower rate today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the quickest way to find better coverage at a better price.

Take discounts and save

Insuring your fleet can be pricey, buy you may qualify for discounts to help bring down the price. Most are applied when you get a quote, but some may not be applied and must be manually applied prior to getting the savings. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Auto/Home Discount – If you have multiple policies with one company you may save 10% to 20% off each policy.
  • College Student – Any of your kids living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • Paperless Signup – Some insurance companies give back up to $50 for buying your policy on their website.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off for Avalanche insurance with a few insurance companies.
  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • Save over 55 – If you’re over the age of 55, you may receive a discount up to 10% for Avalanche insurance.
  • Early Signing – Some insurance companies reward drivers for signing up prior to your current policy expiring. This can save 10% or more.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same insurance policy may reduce the rate for each vehicle.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy life insurance.

Drivers should understand that many deductions do not apply to the entire cost. Most only apply to specific coverage prices like comp or med pay. Just because it seems like having all the discounts means you get insurance for free, it just doesn’t work that way. Any qualifying discounts will reduce the amount you have to pay.

A partial list of companies that may offer these benefits include:

Before buying, ask each company which discounts they offer. All car insurance discounts might not be offered in your area.

Which policy gives me the best coverage?

When it comes to choosing the right insurance coverage, there really is no perfect coverage plan. Every insured’s situation is different so your insurance should reflect that For instance, these questions may help highlight whether or not you could use an agent’s help.

  • Do I have coverage when pulling a U-Haul trailer?
  • Does my personal policy cover me when driving out-of-state?
  • Should I put collision coverage on all my vehicles?
  • Can I make deliveries for my home business?
  • Does my insurance cover my expensive audio equipment?
  • Who is covered when they drive my 2006 Chevy Avalanche?
  • Does my policy pay for OEM or aftermarket parts?
  • Should I rate my 2006 Chevy Avalanche as pleasure use or commute?
  • When does my teenage driver need to be added to my policy?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area. It is quick, free and you can get the answers you need.

Insurance policy specifics

Having a good grasp of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverage types available from insurance companies.

Collision protection

This coverage will pay to fix damage to your Avalanche resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with another moving vehicle, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Chevy Avalanche.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical expense coverage

Med pay and PIP coverage provide coverage for immediate expenses for ambulance fees, EMT expenses, prosthetic devices, surgery and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Auto liability insurance

This can cover damages or injuries you inflict on other’s property or people. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as medical expenses, bail bonds, attorney fees and pain and suffering. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Comprehensive protection

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as fire damage, damage from getting keyed, hitting a deer and vandalism. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Have money to burn

We just presented some good ideas how you can get a better price on 2006 Chevy Avalanche insurance. The key thing to remember is the more quotes you get, the better your comparison will be. You may even discover the lowest priced auto insurance comes from the smaller companies. Some small companies may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm, GEICO and Nationwide.

Affordable insurance can be found both online as well as from independent agents, so you should be comparing quotes from both to have the best selection. Some insurance providers don’t offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

For more information, link through to the articles below: