2003 Chevrolet Avalanche Insurance Cost – 5 Tricks for Cheaper Prices

Searching for the cheapest auto insurance rates for your Chevrolet Avalanche? Are you at wits end from wondering where the money will come from to pay auto insurance each month? You are in the same boat as millions of other vehicle owners.

Big companies like GEICO, 21st Century and Progressive promote their brand names with advertising and it can be hard to see through the deception and find the best price available.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Finding the best rates is easy if you know what you’re doing. But car owners should learn the way insurance companies price insurance differently and take advantage of how the system works.

Get cheap car insurance with discounts

Car insurance is not cheap, but you may find discounts that can help lower your rates. Some of these disounts will be visible at the time you complete a quote, but some must be requested specifically before being credited.

  • Telematics Data – Drivers who elect to allow their car insurance company to analyze where and when they drive by using a telematic data system such as Progressive’s Snapshot could see a rate decrease as long as they are good drivers.
  • Discount for Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Theft Deterent – Anti-theft and alarm system equipped vehicles help deter theft and can earn a small discount on your policy.
  • Professional Memberships – Participating in certain professional organizations is a simple method to lower premiums on your policy.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Chevy could qualify for better premium rates on cars that stay parked.

One thing to note about discounts is that most credits do not apply to all coverage premiums. Most only apply to specific coverage prices like physical damage coverage or medical payments. So when it seems like you could get a free car insurance policy, it just doesn’t work that way.

A few of the larger companies and a selection of discounts can be read below.

  • State Farm discounts include accident-free, Steer Clear safe driver discount, Drive Safe & Save, anti-theft, defensive driving training, and multiple policy.
  • American Family has savings for mySafetyValet, air bags, defensive driver, good student, multi-vehicle, and early bird.
  • GEICO includes discounts for seat belt use, military active duty, emergency military deployment, daytime running lights, anti-lock brakes, good student, and federal employee.
  • 21st Century may offer discounts for theft prevention, teen driver, automatic seat belts, student driver, and air bags.
  • Progressive offers premium reductions for online quote discount, good student, multi-policy, multi-vehicle, and continuous coverage.

When quoting, ask every insurance company which discounts you may be entitled to. Some discounts listed above might not be available to policyholders in your area. For a list of insurers with discount rates, follow this link.

Low cost insurance coverage prices

When comparison shopping, there are several ways of comparing price quotes from many insurance coverage companies in your state. The easiest way by far to find competitive 2003 Chevy Avalanche insurance rates consists of obtaining rate quotes online. This can be accomplished in just a few minutes using one of these methods.

The single most time-saving way to get the best comparison quotes is a comparison rater form click to view form in new window. This easy form eliminates the need for separate quotation requests for each company. A single, simple form will get you price quotes from multiple low-cost companies.

A slightly less efficient method to obtain and compare quotes online consists of visiting the website of each company and repeat the quote process again and again. For instance, let’s assume you want to compare GEICO, Farmers and Liberty Mutual. In order to compare rates, you need to navigate to each company’s site to enter the same coverage data repeatedly, which can get rather old.

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

Even if you have time, the least recommended way to compare price estimates is to waste gas driving to insurance agencies in your area. Shopping for insurance coverage online eliminates the need for an insurance agent unless you have a need for the guidance only provided by licensed agents. It is possible with some companies price shop your coverage online but buy the policy through an agent.

You can choose any of those ways to find more affodable coverage, but be certain you are entering apples-to-apples coverage data with every price quote. If you are comparing different values for each quote you will not be able to make an equal comparison. Slightly different insurance coverages or limits can mean a large discrepancy in price. It’s important to know that quoting more provides better odds of finding more affordable insurance. Some insurance companies are not set up to provide online quotes, so you also need to get price quotes on coverage from those companies, too.

Tailor your insurance coverage to you

When choosing adequate coverage for your vehicles, there is no one size fits all plan. Every insured’s situation is different so your insurance needs to address that. These are some specific questions can aid in determining if you will benefit from professional help.

  • Is my 2003 Chevy Avalanche covered for smoke damage?
  • Do I need medical payments coverage since I have good health insurance?
  • Why does it cost so much to insure a teen driver?
  • Where can I find high-risk insurance?
  • Am I getting all the discounts available?
  • Am I covered if I crash into my own garage door?
  • Do I have newly-aquired coverage?

If it’s difficult to answer those questions then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Tricks in auto insurance advertising

Respected companies like Allstate and Progressive continually stream ads on TV and radio. They all seem to try to convey promises about how much you will save if you switch your coverage to them. How do they all offer you a better deal? It’s all in how they say it.

All the different companies have a preferred profile for the type of driver that earns them a profit. One example of a profitable insured could be over age 30, has never had a policy lapse, and drives a lower-performance vehicle. A propective insured that meets those criteria is entitled to the best price and will most likely save money with a new company.

Drivers who may not quite match the ideal profile may be required to pay a more expensive rate which usually ends up with business not being written. The wording the ads use say “customers who switch” not “everyone who quotes” save that kind of money. That’s the way insurance companies can claim big savings. This really drives home the point why drivers should get insurance quotes as often as possible. You cannot predict the company that will be your best fit.

Detailed coverages of your insurance policy

Knowing the specifics of insurance aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. These are typical coverages offered by insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2003 Chevy Avalanche.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Auto collision coverage

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

Collision coverage pays for claims such as hitting a mailbox, colliding with a tree and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for short-term medical expenses for things like prosthetic devices, rehabilitation expenses, hospital visits and pain medications. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Auto liability insurance

This coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as repair bills for other people’s vehicles, court costs and pain and suffering. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive insurance

This coverage will pay to fix 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 can pay for things such as fire damage, vandalism, falling objects, a broken windshield and hitting a deer. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Save your cold hard cash

Lower-priced car insurance is possible online as well as from insurance agents, and you need to price shop both in order to have the best chance of saving money. Some car insurance companies do not offer rates over the internet and usually these smaller companies work with independent agents.

As you quote insurance, you should never reduce coverage to reduce premium. There are a lot of situations where an insured cut collision coverage and found out when filing a claim that it was a big mistake. Your goal is to find the BEST coverage at an affordable rate and still be able to protect your assets.

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