2008 Chevrolet Avalanche Car Insurance Cost

Searching for lower insurance coverage rates for your Chevrolet Avalanche? Are you intimidated by the dozens of insurance coverage choices? You have a lot of company. Drivers have so many choices that it can easily become a challenge to find better rates.

It’s smart to price shop coverage occasionally since rates fluctuate regularly. Even if you think you had the lowest price on Avalanche coverage last year you will most likely find a better rate today. You can find a lot of misleading information regarding insurance coverage on the internet, so by reading this article, you’re going to learn some great ideas on how to reduce your insurance coverage bill.

Finding affordable coverage is easy if you know what you’re doing. If you have car insurance now, you should be able to cut costs considerably using these techniques. But drivers must learn the methods companies use to price insurance differently and use this information to your advantage.

Discounts are basically free money

Companies offering auto insurance don’t always list every discount very well, so the following is a list of some of the best known and the harder-to-find discounts you could be receiving.

  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Bundle and Save – When you combine your home and auto insurance with the same company you may save approximately 10% to 15%.
  • Life Insurance – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
  • Anti-theft System – Vehicles with anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
  • Driver’s Ed – Require your teen driver to successfully complete driver’s ed class in high school.
  • Passive Restraints – Factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Driver Safety – Completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Low Mileage – Keeping the miles down on your Chevy can qualify you for lower rates on the low mileage vehicles.
  • Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.

A little note about advertised discounts, most credits do not apply to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. Just because it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

To see a list of insurance companies offering auto insurance discounts, click here.

Insurance Quote Comparison

The are a couple different ways of comparing rate quotes from different insurance companies. The best method to compare 2008 Chevy Avalanche insurance prices is to get quotes online. This is very easy and can be done using a couple different methods.

  1. The single most time-saving way consumers can analyze rates is an all-inclusive rate comparison click here to open form in new window. This easy form keeps you from doing boring form submissions for every insurance company. Just one form will get you rate comparisons from multiple companies. It’s the fastest way to compare.
  2. A harder way to find lower rates requires a trip to each company website to complete their respective quote request forms. For example, let’s say you want to compare State Farm, Liberty Mutual and Progressive. To get rate quotes you would need to take the time to go to each site and enter your information, which is why the first method is quicker.

    For a list of links to insurance companies in your area, click here.

  3. The least efficient method to get comparison rates is to spend your day driving to and from local insurance agencies. The ability to buy insurance online makes this process obsolete unless you want the professional guidance that only a license agent can provide. You can, however, price shop your coverage online but buy from a local insurance agent and we’ll talk about that later.

It’s up to you which method you use, but double check that you are using the exact same quote information on every quote you get. If your comparisons have different deductibles it will be impossible to make a fair comparison for your Chevy Avalanche. Slightly different insurance coverages can result in a big premium difference. And when comparison shopping, getting more free quotes will increase your chances of finding a better price.

Which insurance is the “right” coverage?

When choosing adequate coverage for your vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions can aid in determining if your situation might need an agent’s assistance.

  • What is PIP insurance?
  • How can I find cheaper teen driver insurance?
  • How high should my uninsured/underinsured coverage be in my state?
  • Do I need more liability coverage?
  • Am I covered when driving on a suspended license?
  • Does my 2008 Chevy Avalanche need full coverage?
  • I don’t drive much so do I pay less?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form.

Insurance coverage specifics

Understanding the coverages of your policy aids in choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Comprehensive protection

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hail damage, vandalism, hitting a deer, fire damage and rock chips in glass. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like chiropractic care, funeral costs, prosthetic devices and hospital visits. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Coverage for collisions

This coverage covers damage to your Avalanche resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like hitting a mailbox, sideswiping another vehicle, colliding with another moving vehicle, sustaining damage from a pot hole and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Uninsured or underinsured coverage

This provides protection when the “other guys” 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.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.


This coverage will cover damage or injury you incur to a person or their property. This insurance protects YOU from legal claims by others. 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 values of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like medical expenses, medical services and repair costs for stationary objects. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

The best insurance company isn’t always the cheapest

Drivers change insurance companies for a number of reasons such as being labeled a high risk driver, lack of trust in their agent, policy non-renewal or even extreme rates for teen drivers. No matter why you want to switch, switching insurance companies is not as difficult as it may seem.

While you’re price shopping online, do not reduce needed coverages to save money. In too many instances, someone dropped liability coverage limits to discover at claim time they didn’t have enough coverage. The ultimate goal is to get the best coverage possible at the best price while still protecting your assets.

Discount 2008 Chevy Avalanche insurance can be purchased from both online companies and also from your neighborhood agents, so compare prices from both in order to have the best price selection to choose from. A few companies may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

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