Cheaper 2011 Chevrolet Avalanche Insurance Quotes

Searching for cheaper auto insurance rates for your Chevrolet Avalanche? If you’ve never shopped for auto insurance online, it’s easy to be confused because of the huge number of online auto insurance companies and websites offering insurance.

Discounts to lower 2011 Chevy Avalanche insurance rates

Companies don’t always publicize every discount very clearly, so we researched both the well known and the more hidden discounts you could be receiving.

  • Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • Accident Free – Drivers with accident-free driving histories pay much less as compared to frequent claim filers.
  • Student in College – Youth drivers who attend school more than 100 miles from home and do not have a car may qualify for this discount.
  • Own a Home – Owning a home can help you save on insurance coverage because owning a home demonstrates responsibility.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can get savings of 20% or more.
  • Anti-theft System – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. Most only cut specific coverage prices like comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, you’re out of luck.

For a list of companies with the best insurance coverage discounts, follow this link.

Factors influencing Chevy Avalanche insurance rates

An important part of buying insurance is that you know the different types of things that go into determining the rates you pay for insurance coverage. Understanding what impacts premium levels enables informed choices that can help you get much lower annual insurance costs.

Listed below are some of the factors insurance coverage companies consider when setting your rates.

  • Better credit means lower rates – Credit score is a large factor in your rate calculation. So if your credit history is lower than you’d like, you could be paying less to insure your 2011 Chevrolet Avalanche by improving your rating. People with excellent credit tend to be more responsible as compared to drivers with poor credit.
  • Are you male or female? – Statistics show that women are safer drivers than men. However, don’t assume that men are worse drivers. Both sexes are in accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations like reckless driving and DUI.
  • Higher safety ratings means cheaper insurance – Safer cars get lower rates. The safest vehicles result in less severe injuries and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders. If the Chevy Avalanche earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • How many coverages with the same company – Many companies will award you with lower prices to customers who have multiple policies with them such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. Even if you’re getting this discount you may still want to shop around to confirm you are receiving the best rates possible.
  • Never go without insurance – Allowing your insurance coverage policy to lapse will be a sure-fire way to trigger a rate increase. Not only will you pay more, getting caught without coverage might get you a hefty fine and possibly a revoked license.You may then be required to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Drive less and save money – The higher the mileage driven each year the higher your rates will be. Almost all companies charge to insure your cars based on their usage. Cars and trucks not used for work or commuting receive lower rates as compared to vehicles used primarily for driving to work. An improperly rated Avalanche may be wasting your money. Ask your agent if your insurance coverage declarations sheet shows the correct usage for each vehicle, because improper ratings can cost you money.
  • Liability insurance protects assets – Your policy’s liability coverage is the protection if a jury decides you are liable for damages from an accident. Liability provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so do not cut corners here.
  • Your insurance coverage rates can be influenced by your job – Occupations like lawyers, executives and accountants have higher rates than average because of high stress and long work days. On the flip side, occupations like pilots, athletes and retirees get better rates on Avalanche coverage.

Tailor your coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s needs are different.

For example, these questions might help in determining whether your personal situation would benefit from professional advice.

  • Do I have coverage when making deliveries for my home business?
  • Can I get a multi-policy discount?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is my babysitter covered when using my vehicle?
  • Which companies will insure high-risk drivers?
  • Why do I need rental car insurance?
  • Is upholstery damage covered by car insurance?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Are you falling for claims of savings?

Insurance coverage providers like Geico, State Farm and Progressive regularly use television and radio advertisements. They all have a common claim that you’ll save big if you move to their company. How can each company make almost identical claims?

All companies can use profiling for the right customer they prefer to insure. A good example of a driver they prefer could be between the ages of 30 and 50, has no prior claims, and drives less than 10,000 miles a year. Any driver who matches those parameters is entitled to the best price and as a result will probably save a lot of money.

Potential insureds who don’t meet the “perfect” profile will be charged a more expensive rate and ends up with the customer not buying. The ads say “customers that switch” but not “drivers who get quotes” save that much. That’s why companies can truthfully make those claims. That is why it’s extremely important to compare many company’s rates. It’s not possible to predict which insurance companies will give you the biggest savings on Chevy Avalanche insurance.

Insurance specifics

Learning about specific coverages of your policy aids in choosing the best coverages for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Collision insurance

Collision coverage will pay to fix damage to your Avalanche caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like colliding with a tree, damaging your car on a curb, driving through your garage door, colliding with another moving vehicle and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hitting a deer, hail damage, falling objects and damage from flooding. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto liability insurance

This coverage will cover injuries or damage you cause to a person or their property in an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which means $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 such as funeral expenses, attorney fees, loss of income and court costs. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Insurance for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses such as hospital visits, X-ray expenses and dental work. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 2011 Chevy Avalanche.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Get your money’s worth

Drivers change insurance companies for a variety of reasons including questionable increases in premium, policy non-renewal, poor customer service or even extreme rates for teen drivers. Regardless of your reason for switching companies, choosing a new company is not as difficult as it may seem.

Affordable 2011 Chevy Avalanche insurance is available online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some auto insurance companies do not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

In this article, we covered many ways to reduce insurance prices online. The key thing to remember is the more providers you compare, the better chance you’ll have of finding lower rates. Drivers may discover the lowest rates come from a company that doesn’t do a lot of advertising.

Additional information