Lower Your 2004 Chevrolet Avalanche Insurance Quotes

Locating the cheapest insurance for a Chevy Avalanche can turn out to be an all-consuming task, but you can follow our insurance buying tips to save time.

There is a right way and a wrong way to buy insurance so you’re going to learn the quickest way to price shop coverage for your Chevy and obtain the cheapest rates.

You need to shop coverage around yearly because insurance rates are constantly changing. Just because you found the best deal on Avalanche insurance a year ago there may be better deals available now. You’ll find quite a bit of inaccurate information about insurance on the web, but we’re going to give you a lot of great tips on how to quit paying high insurance rates.

If you have insurance now or need a new policy, you will benefit by learning to find better prices and still get good coverage. Finding the best insurance is not that difficult. Vehicle owners only need an understanding of the best way to compare prices on the web.

Factors influencing Chevy Avalanche insurance rates

It’s important that you understand the different types of things that go into determining insurance coverage rates. Understanding what impacts premium levels allows you to make educated decisions that may reward you with much lower annual insurance costs.

Do you know you’re credit rating? – Credit history is a large factor in determining your rates. So if your credit history is not that good, you could be paying less to insure your 2004 Chevrolet Avalanche by improving your rating. People with excellent credit tend to be more responsible than drivers who have lower credit scores.
Your location is important – Choosing to live in small towns and rural areas is a positive aspect when insuring your vehicles. Less people living in that area means reduced accidents and a lower car theft rate. Drivers in populated areas regularly have more traffic problems and a longer drive to work. Higher commute times translates into higher accident risk.
Battle of the sexes – The statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are better drivers. Men and women are in accidents at about the same rate, but the male of the species cause more damage. Men also tend to have more aggressive citations such as reckless driving. Teenage male drivers are most likely to cause an accident and therefore have the most expensive insurance coverage rates.
Mature drivers pay less – Youthful drivers tend to be more careless behind the wheel so insurance coverage rates are higher. Parents adding a young driver onto a policy can be quite pricey. Older drivers are viewed as being more responsible, file fewer claims and tend to be better behind the wheel.
Do you need those extra coverages? – There are a lot of extra bells and whistles you can purchase when buying insurance coverage. Things like vanishing deductibles, better glass coverage and motor club memberships may be wasting your money. They may seem like a good idea initially, but if you don’t need them remove them from your policy.
Multi-policy discounts can save money – Many insurance coverage companies will give a discount to insureds who buy several policies from them, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to comparison shop to verify if the discount is saving money.
Traffic violations increase rates – Careful drivers receive lower rates than bad drivers. Even one citation can boost insurance rates twenty percent or more. Drivers who get serious violations like reckless driving, hit and run or driving under the influence may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
Your occupation can affect rates – Did you know that where you work can have an impact on rates? Occupations such as lawyers, business owners and accountants have higher rates than average attributed to job stress and lengthy work days. On the flip side, occupations such as pilots, athletes and performers get better rates on Avalanche insurance.

Compare the Market for Auto Insurance

Lowering your 2004 Chevy Avalanche auto insurance rates can be relatively painless. Just take time comparing price quotes online with multiple companies. This is very easy and can be done using a couple different methods.

The single most time-saving way to get the best comparison quotes is an all-inclusive rate comparison click to view form in new window. This type of form saves time by eliminating boring form submissions for each company. Just one form compares rates from multiple low-cost companies. Just one form and you’re done.
Another way to find lower rates is spending the time to visit the website of each company and request a quote. For examples sake, we’ll pretend you want rates from Farmers, Safeco and Travelers. To get each rate you have to take the time to go to each site and enter your policy data, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

Which method you use is up to you, but compare the exact same coverages for each price quote. If the quotes have different liability limits it will be next to impossible to determine the best price for your Chevy Avalanche.

Beware of misleading insurance ads

Consumers constantly see and hear ads for the lowest price auto insurance by State Farm and Allstate. They all seem to say the same thing about savings if you move to their company.

How can each company claim to save you money?

Different companies can use profiling for the right customer that earns them a profit. An example of a desirable insured might be profiled as between 25 and 40, has no prior claims, and has a short commute. A customer who matches those parameters will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Potential customers who don’t measure up to the “perfect” profile will have to pay higher prices and ends up with business not being written. The ads say “drivers who switch” not “people who quote” save money. This is how companies can truthfully state the savings.

Because of the profiling, you need to compare many company’s rates. Because you never know which company will provide you with the cheapest Chevy Avalanche insurance rates.

Do you qualify for discounts?

Insurance can be prohibitively expensive, but discounts can save money and there are some available that you may not even be aware of. Some discounts apply automatically at the time of quoting, but a few must be asked about before they will apply. If you don’t get every credit you qualify for, you are paying more than you should be.

Service Members Pay Less – Having a family member in the military could be rewarded with lower premiums.
Multiple Cars – Buying coverage for all your vehicles with the same company can get a discount on all vehicles.
Driver’s Ed – Have your child successfully complete driver’s ed class in school.
One Accident Forgiven – A handful of insurance companies will forgive one accident before hitting you with a surcharge if you are claim-free prior to the accident.
No Claims – Drivers who don’t have accidents can save substantially when compared with drivers who are more careless.
Save over 55 – Mature drivers may be able to get reduced rates on Avalanche insurance.
Payment Discounts – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
E-sign – Some insurance companies will give a small break just for signing your application over the internet.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. Most only reduce specific coverage prices like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way. But all discounts will cut your overall premium however.

For a list of insurance companies with discount car insurance rates, follow this link.

Don’t assume everyone needs the same coverage

When it comes to buying adequate coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions can help discover if your situation would benefit from an agent’s advice.

Do I have coverage for damage caused while driving under the influence?
Can I afford to pay high deductible claims out of pocket?
Is my camper covered by my car insurance policy?
Can my babysitter drive my car?
Does my personal policy cover me when driving out-of-state?
Is extra glass coverage worth it?
Is a fancy paint job covered?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specifics of your auto insurance policy

Knowing the specifics of a auto insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Liability insurance

Liability coverage can cover injuries or damage you cause to a person or their property that is your fault. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as legal defense fees, medical expenses, court costs, repair bills for other people’s vehicles and bail bonds. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Protection from uninsured/underinsured drivers

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 hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these limits are identical to your policy’s liability coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like doctor visits, chiropractic care, hospital visits and surgery. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, damage from getting keyed, hitting a bird, falling objects and fire damage. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as driving through your garage door, backing into a parked car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Shop around and save

In this article, we presented some good ideas how to get a better price on 2004 Chevy Avalanche insurance. The key thing to remember is the more rate comparisons you have, the higher your chance of finding lower rates. You may even find the most savings is with a lesser-known regional company.

Drivers switch companies for a variety of reasons including policy non-renewal, high rates after DUI convictions, delays in responding to claim requests or an unsatisfactory settlement offer. Whatever your reason, finding a great new company can be less work than you think.

When you buy insurance online, never reduce coverage to reduce premium. In many instances, an insured dropped physical damage coverage only to discover later they didn’t purchase enough coverage. Your aim should be to buy enough coverage at the best price, not the least amount of coverage.