How Much Does 2003 Chevrolet Avalanche Car Insurance Cost?

Trying to find better insurance prices for a Chevy Avalanche can turn out to be an all-consuming task, but you can learn our insurance coverage buying tips to find lower rates.

There are more efficient ways to buy insurance coverage and you need to know the absolute fastest way to get price quotes for your Chevy and obtain the cheapest rates from both online companies and local agents.

It’s a great practice to take a look at other company’s rates every six months because insurance coverage prices trend upward over time. Just because you had the lowest rates on Avalanche coverage a year ago the chances are good that you can find a lower premium rate today. There is too much inaccurate information about insurance coverage on the internet, but we’re going to give you the easiest ways to slash your insurance coverage rates.

Compare free insurance coverage price quotes

All major insurance coverage companies like State Farm, Geico and Progressive provide coverage prices online. Doing online quotes is quite simple as you simply type in your personal and coverage information as detailed in the form. After you submit the form their system automatically retrieves your credit score and driving record and returns pricing information.

This makes it simple to compare prices but the work required to visit a lot of sites and fill out multiple forms gets old quite quickly. But it’s absolutely necessary to perform this step if you want to find the lowest possible prices on insurance coverage.

There is a better way!

A less time-consuming method to lower your insurance coverage bill uses one simple form that gets prices from a bunch of companies at once. The form is fast, requires less work, and makes online quotes much easier to do. Once the form is submitted, it is quoted and you can choose any or none of the returned quotes.

If you find a better price you can simply submit the application and purchase coverage. This process can be completed in less than 10 minutes and you’ll know if lower rates are available.

To compare pricing, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you enter the insurance coverages as close as possible to your current policy. This makes sure you’re receiving rate quotes based on identical coverages.

Advertising and auto insurance

Consumers constantly see and hear ads for the lowest price auto insurance from companies such as State Farm, Geico and Progressive. They all seem to make the promise that people will save if you get a free car insurance quote and switch to them.

How is it possible that every company can charge you less for car insurance? Here is the trick they use.

All the different companies have specific characteristics for the type of driver that is profitable for them. For instance, this type of insured might be described as between 25 and 40, has never had a policy lapse, and chooses high deductibles. A customer getting a price quote who fits that profile may get the lowest premium rates and will also save a lot if they switch.

Potential customers who cannot meet these criteria will see higher rates which usually ends up with business going elsewhere. If you pay attention, the ads say “drivers who switch” not “everybody who quotes” can save as much as they claim. This is how insurance companies can advertise the savings.

Because each company has a different risk profile, it’s extremely important to compare quotes as often as possible. Because you never know which insurance companies will have the lowest rate quotes.

Auto insurance quotes and discounts

Auto insurance is expensive, but there may be some discounts that many consumers don’t even know exist. Certain reductions will be credited at the time of quoting, but a few must be specifically requested in order for you to get them.

• Discounts for Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts may be able to save a few bucks off the PIP or medical payment premium.
• Distant Student Discount – Kids who live away from home to go to college and don’t have a car may be able to be covered for less.
• Student Driver Training – Require your teen driver to take driver’s ed class as it will make them better drivers and lower rates.
• Senior Citizen Rates – Drivers over the age of 55 are able to get a small decrease in premiums on Avalanche coverage.
• Accident Forgiveness – This one is not really a discount per se, but a few companies such as Progressive, Allstate, and Liberty Mutual will let one accident slide before they charge you more for coverage if you are claim-free prior to the accident.
• Discount for New Cars – Insuring a vehicle that is new can save you some money because new model year vehicles keep occupants safer.
• Discounts for Multiple Vehicles – Insuring multiple cars with the same auto insurance company may reduce the rate for each vehicle.
• ABS Brakes – Cars, trucks, and SUVs equipped with ABS or steering control can avoid accidents and will save you 10% or more.

Discounts save money, but please remember that most credits do not apply to the entire cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though you would think having all the discounts means you get insurance for free, it just doesn’t work that way. Any amount of discount will positively reduce your overall premium however.

A list of companies and some of their more popular discounts are detailed below.

• State Farm includes discounts for defensive driving training, multiple autos, accident-free, student away at school, multiple policy, driver’s education, and Steer Clear safe driver discount.
• Progressive has savings for multi-policy, homeowner, online signing, online quote discount, continuous coverage, and multi-vehicle.
• Travelers offers discounts for continuous insurance, multi-policy, student away at school, payment discounts, and new car.
• American Family has discounts for good driver, good student, defensive driver, early bird, and TimeAway discount.
• Liberty Mutual may have discounts that include newly married, multi-car, good student, teen driver discount, new vehicle discount, safety features, and hybrid vehicle.

When getting free car insurance quotes, it’s a good idea to every company which discounts you may be entitled to. Some discounts listed above may not apply to policyholders in your state. To see companies that offer discounts, follow this link.

Situations that may require an agent’s advice

When choosing the right insurance coverage for your vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining if your situation would benefit from an agent’s advice.

• Do I have coverage when pulling a U-Haul trailer?
• Should I put collision coverage on all my vehicles?
• How does medical payments coverage work?
• Is a fancy paint job covered?
• Which is better, split liability limits or combined limits?
• Am I missing any policy discounts?
• I don’t drive much so do I pay less?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Insurance policy specifics

Knowing the specifics of a insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Auto collision coverage

This coverage will pay to fix damage to your Avalanche resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as scraping a guard rail, sustaining damage from a pot hole, driving through your garage door, rolling your car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Liability coverage

Liability coverage will cover injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things like medical expenses, loss of income, pain and suffering and bail bonds. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as dental work, X-ray expenses, chiropractic care, nursing services and surgery. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, vandalism, hitting a deer and hitting a bird. The most your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

What is YOUR best insurance company?

As you restructure your insurance plan, you should never sacrifice coverage to reduce premiums. In too many instances, an insured cut liability coverage limits and found out when filing a claim they didn’t have enough coverage. The ultimate goal is to buy enough coverage for the lowest cost and still be able to protect your assets.

Consumers who switch companies do it for many reasons like high prices, lack of trust in their agent, delays in responding to claim requests or not issuing a premium refund. No matter why you want to switch, finding a new company is pretty easy and you might even save some money in the process.

We covered a lot of information how to save on 2003 Chevy Avalanche insurance. The most important thing to understand is the more quotes you get, the better likelihood of getting affordable car insurance. Consumers may even find the most savings is with a smaller regional carrier.

Additional information can be read on the following sites:

• Things to Know Before you Cancel Insurance (Allstate)
• Understanding your Policy (NAIC.org)
• Credit Impacts Car Insurance Rates (State Farm)
• Distracted Driving Extends Beyond Texting (State Farm)