Compare 2002 Chevrolet Avalanche Insurance Rates

Searching for cheaper insurance rates for your Chevrolet Avalanche? No sane person loves paying for insurance, especially when they are aware that they could find better rates elsewhere. You have so many car insurance companies to purchase coverage from, and although it’s a good thing to have a selection, having more insurance companies makes it harder to compare company pricing.

Pricing more affordable insurance coverage is simple if you know the tricks. If you have insurance now or need a new policy, you can use this information to find better prices and still get good coverage. Vehicle owners just need to understand how to find the lowest price over the internet.

Compare auto insurance price quotes online

Effectively comparing auto insurance prices can be a daunting task if you aren’t aware of the easiest way. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you could use the internet to quickly compare rates.

Most of the best insurance companies are enrolled in a marketplace that allows shoppers to send in one quote, and at least one company provides a quote based on the submitted data. This system prevents you from having to do quotation requests for every auto insurance company.

To fill out one form to compare multiple rates now click to open in new window.

The one downside to using this type of form is buyers cannot specifically choose which companies to receive prices from. If you wish to select individual companies to request quotes from, we have a listing of auto insurance companies in your area. Click here for list of insurance companies.

The approach you take is up to you, just make sure you use the same coverage limits and deductibles on every quote you get. If you use different coverage information it will be impossible to find the best deal for your Chevy Avalanche.

Discounts for cheap insurance rates

Some companies don’t always publicize their entire list of discounts in a way that’s easy to find, so the below list has some of the best known and also the more inconspicuous credits available to you.

• Senior Citizen Rates – Older drivers could receive better insurance rates on Avalanche insurance.
• Multi-car Discount – Buying insurance for multiple cars or trucks on one policy qualifies for this discount.
• Seat Belt Usage – Drivers who require all vehicle occupants to buckle up before driving can save up to 15% off the personal injury premium cost.
• New Car Discount – Insuring a vehicle that is new can be considerably cheaper because new vehicles are generally safer.
• Paperless Signup – Some insurance companies may give you up to $50 for buying your policy on the web.
• Discount for Good Grades – Being a good student may save you up to 25%. This discount can apply well after school through age 25.

Discounts lower rates, but some of the credits will not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, insurance companies wouldn’t stay in business. Any qualifying discounts will definitely reduce your premiums.

A few companies that may offer policyholders many of the previously listed discounts include:

• State Farm
• American Family
• Geico
• 21st Century
• Progressive

When comparing rates, check with all the companies which credits you are entitled to. Some discounts listed above may not be available in your area. To find insurers with the best discounts, click here.

Why your insurance prices might be higher

When buying car insurance it’s important to understand some of the things that help calculate the rates you pay for car insurance. If you have a feel for what influences your rates, this allows you to make good choices that can help you get cheaper rates. Lots of things are considered when pricing auto insurance. Some of the criteria are obvious such as your driving history, but other criteria are less apparent like your vehicle usage or how safe your car is.

Shown below are a few of the “ingredients” used by companies to determine your premiums.

• Accidents mean higher rates – Having a clean driving record impacts premiums far more than you think. Careful drivers pay less for auto insurance than people who have multiple driving citations. Having just one speeding ticket can increase the cost of insurance by as much as thirty percent. Drivers with multiple tickets like hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to legally drive.
• Safer cars cost less to insure – Cars with high safety ratings tend to have lower insurance rates. Highly rated vehicles reduce injuries and lower rates of occupant injuries translates directly to fewer claims which can result in lower premiums. If your Chevy Avalanche has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
• Never let your car insurance policy lapse – Having a lapse in insurance coverage will be a quick way to pay more for car insurance. And not only will insurance be more expensive, failure to provide proof of insurance may earn you a revoked license or a big fine. You will then be forced to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
• Multiple policies with one company – Some companies will award a discount to insureds that have more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s still a good idea to compare rates to help guarantee you have the best rates. You may still be able to save even more than the discount by splitting coverages up.
• Married people drive safer – Having a spouse may save some money when buying car insurance. Marriage usually means you are more financially stable and statistics show married couples file fewer claims.
• Deter theft and pay less – Choosing a vehicle that has an advanced theft prevention system can save you some money. Systems that thwart theives such as OnStar, LoJack tracking, and tamper alarms can help prevent car theft.
• Mature drivers save more – Older, more experienced drivers have been proven to be more responsible, cause fewer claims and accidents .Teenage drivers are known to be less responsible when driving and because of this, their car insurance rates are much higher.
• Save money by having excellent credit – An insured’s credit history can be an important factor in determining your rates. If your credit score can use some improvement, you may save money insuring your 2002 Chevrolet Avalanche if you clean up your credit. Drivers who have excellent credit tend to be better drivers and file fewer claims as compared to drivers with poor credit scores.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions might help in determining if you could use an agent’s help.

• Is my Chevy Avalanche covered if I use it for business?
• When should I remove comp and collision on my 2002 Chevy Avalanche?
• Are rental cars covered under my policy?
• Is my teen driver covered when they drive my company car?
• Who is covered when they drive my 2002 Chevy Avalanche?
• What should my uninsured motorist coverage limits be in my state?
• Is extra glass coverage worth it?
• Should I rate my 2002 Chevy Avalanche as pleasure use or commute?
• Do I benefit by insuring my home with the same company?

If you’re not sure about those questions but a few of them apply, you might consider 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 you can get the answers you need.

Don’t listen to company ads

Consumers get pounded daily by advertisements that promise big savings from the likes of State Farm and Allstate. All the companies try to convey promises that people will save if you just switch your insurance coverage to their company.

But how can every company charge less that you’re paying now? This is the way they can do it.

Many companies give the cheapest rates for the type of driver they prefer to insure. One example of a driver they prefer might have to be between the ages of 40 and 55, has a clean driving record, and drives a safe vehicle. A propective insured that meets those criteria gets the lowest prices and as a result will probably save quite a bit of money when switching.

People who don’t measure up to this stringent profile will be quoted higher premiums and this results in business not being written. The trick is to say “customers that switch” not “all people who quote” save money. That’s the way companies can advertise the savings.

This emphasizes why you should get auto insurance quotes as often as possible. It is just not possible to predict which company will fit your personal profile best.

Car insurance coverage information

Knowing the specifics of your policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages available from insurance companies.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as hospital visits, rehabilitation expenses and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Liability car insurance

Liability coverage provides protection from damage that occurs to other people or property. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as funeral expenses, pain and suffering, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Comprehensive coverages

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hail damage, damage from flooding and fire damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision protection

This coverage pays for damage to your Avalanche caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with another moving vehicle, crashing into a building, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Chevy Avalanche.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.

A penny saved is a penny earned

Cheaper car insurance is attainable online and from local agencies, and you should compare rates from both to have the best rate selection. There are still a few companies who may not provide price quotes online and many times these smaller companies prefer to sell through independent agents.

When getting auto insurance quotes online, it’s a bad idea to reduce needed coverages to save money. In many cases, an insured cut physical damage coverage only to regret that the savings was not a smart move. The ultimate goal is to buy a smart amount of coverage at the best cost, but do not skimp to save money.

Additional information can be found at these links:

• Avoiding Deer Collisions (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)
• Auto Crash Statistics (Insurance Information Insitute)
• Safety Belts FAQ (iihs.org)
• Child Safety FAQ (iihs.org)