2002 Chevrolet Avalanche Insurance Rates – 7 Ways to Save

No one in their right mind enjoys paying for insurance, especially when their premiums are through the roof. With so many insurance companies to choose from, it’s difficult to locate the lowest cost insurance provider.

Smart consumers take time to do rate comparisons once or twice a year due to the fact that insurance rates go up and down regularly. Despite the fact that you may have had the lowest rate for Avalanche insurance last year you can probably find a better price now. Ignore everything you know about insurance because you’re going to get a crash course in the quickest way to save money, get proper coverage and the best rates.

Low cost insurance coverage quotes online

There are multiple methods to shop for insurance coverage, and some are more efficient than others. You can waste a lot of time driving to local insurance agents in your area, or you could use the web to get prices fast.

All the larger companies are enrolled in a marketplace that allows shoppers to complete one form, and each participating company then returns a price quote based on that data. This eliminates the need for repetitive form submissions to each company.

To compare rates using this form now click to open in new window.

The single downside to doing it this way is you are unable to specify the companies to get quotes from. If you wish to select specific insurance companies for rate comparison, we have assembled a list of companies who write insurance coverage in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but do your best to use exactly the same deductibles and coverage limits on every quote. If you enter different values for each quote it will be next to impossible to make a fair rate comparison.

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Tricks in insurance coverage advertising

Consumers can’t avoid all the ads that claim the best car insurance rates by companies like State Farm, Geico and Progressive. All the companies tend to make the same promise of big savings after switching your policy.

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

Different companies have specific guidelines for the type of driver that will most likely be profitable. One example of this type of insured could possibly be between the ages of 30 and 50, has had continuous coverage, and drives a vehicle with a low ISO rating. Anybody who matches that profile will most likely get cheap premium rates and is almost guaranteed to save money with a new company.

Potential customers who don’t measure up to this stringent profile may receive more expensive rates which results in the customer buying from a different company. If you pay attention, the ads say “people who switch” not “everyone who quotes” save that much. That’s why companies can make those claims. Each company has different criteria, so drivers should compare many company’s prices. It is impossible to predict which insurance coverage company will have the lowest rates.

Double check you’re getting these seven discounts

Not many people think insurance is cheap, but there may be some discounts to reduce the price significantly. Many discounts should be triggered at quote time, but lesser-known reductions have to be specially asked for before you will receive the discount. If you aren’t receiving every discount you deserve, you may be paying too high a price.

• Passenger Safety Discount – Vehicles equipped with air bags could see savings of more than 20%.
• Multi-Vehicle Discounts – Insuring multiple vehicles on the same auto insurance policy can reduce rates for all insured vehicles.
• Discount for Life Insurance – Some companies give a small discount if you purchase some life insurance in addition to your auto policy.
• Military Discounts – Being deployed with a military unit may lower your rates slightly.
• Renewal Discounts – A few companies offer discounts for switching policies before your current coverage expires. It can save you around 10%.
• Paper-free Discount – Some larger companies provide a small discount shop insurance over the internet.
• Full Payment Discount – If paying your policy premium upfront rather than paying in monthly installments you may reduce your total bill.

It’s important to understand that most discounts do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as medical payments or collision. Even though the math looks like having all the discounts means you get insurance for free, nobody gets a free ride. Any amount of discount should help lower the cost of your policy.

The best auto insurance companies and their possible discounts are outlined below.

• State Farm offers discounts including Drive Safe & Save, accident-free, driver’s education, multiple policy, safe vehicle, and passive restraint.
• American Family may have discounts that include bundled insurance, Steer into Savings, multi-vehicle, mySafetyValet, good driver, good student, and accident-free.
• AAA offers premium reductions for multi-policy, good driver, anti-theft, education and occupation, and multi-car.
• Geico has savings for multi-vehicle, five-year accident-free, good student, seat belt use, driver training, and emergency military deployment.
• Mercury Insurance has discounts for good student, professional/association, annual mileage, multi-car, accident-free, anti-theft, and multi-policy.
• Farmers Insurance may offer discounts for early shopping, distant student, multi-car, alternative fuel, bundle discounts, youthful driver, and switch companies.
• Progressive includes discounts for multi-policy, online quote discount, multi-vehicle, homeowner, and good student.

If you need lower rates, check with each company or agent to apply every possible discount. Some discounts may not apply in your state.

Special considerations

When it comes to choosing coverage, there is no perfect coverage plan. Every situation is different so your insurance needs to address that. Here are some questions about coverages that might point out if your situation would benefit from an agent’s advice.

• Will my vehicle be repaired with OEM or aftermarket parts?
• Do I have coverage for damage caused while driving under the influence?
• Can I pay claims out-of-pocket if I buy high deductibles?
• How do I buy GAP insurance?
• Does my personal policy cover me when driving out-of-state?
• Is my custom paint covered by insurance?
• Am I insured when driving a different vehicle?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

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Coverages available on your policy

Understanding the coverages of a auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages found on the average auto insurance policy.

Collision coverage – This coverage will pay to fix damage to your Avalanche resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like sideswiping another vehicle, driving through your garage door, hitting a mailbox, crashing into a ditch and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability insurance – Liability insurance can cover injuries or damage you cause to other’s property or people in an accident. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as legal defense fees, repair bills for other people’s vehicles and attorney fees. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Comprehensive coverage – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, hitting a deer, a tree branch falling on your vehicle and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your Chevy Avalanche.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for short-term medical expenses for rehabilitation expenses, prosthetic devices, X-ray expenses, doctor visits and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as 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

Buy online or local, you save

Low-cost 2002 Chevy Avalanche insurance can be purchased on the web in addition to local insurance agencies, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who don’t offer the ability to get quotes online and most of the time these smaller providers work with independent agents.

You just learned many ideas to shop for 2002 Chevy Avalanche insurance online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Consumers could even find that the best price on insurance is with a company that doesn’t do a lot of advertising. These companies may have significantly lower car insurance rates on certain market segments than the large multi-state companies such as State Farm, Geico and Nationwide.

More information is available below:

• Choosing a Car for Your Teen (State Farm)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Auto Insurance FAQ (Farmers Insurance)
• Distracted Driving (Insurance Information Insitute)

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