2008 Chevrolet Avalanche Insurance Rates – 8 Policy Discounts

Looking for the cheapest insurance rates? Shoppers have options when shopping for the lowest priced Chevy Avalanche insurance. You can either spend your time struggling with agents trying to get quotes or leverage the internet to find the lowest rates.

There is a right way and a wrong way to find insurance online and we’ll show you the best way to price shop coverage for your Chevy and get the lowest possible price.

You should take the time to shop coverage around as often as possible since insurance prices change quite often. If you had the best quotes on Avalanche coverage a year ago other companies may now be cheaper. There is too much inaccurate information about insurance on the web, but in just a couple of minutes you can learn some tested techniques to lower your insurance rates.

The purpose of this post is to instruct you on how to get online quotes and some tips to save money. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these tips. Consumers just need to know the best way to get comparison quotes online.

Lower rate quotes with these eight discounts

Some insurance providers don’t always list every disount available very well, so here is a list some of the more common as well as some of the hidden credits that may apply to you.

• Military Discounts – Being on active deployment in the military could qualify you for better prices.
• No Accidents – Insureds who avoid accidents and claims pay less in comparison with insureds who have frequent claims or accidents.
• Early Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
• Early Switch Discount – A few companies give discounts for buying a new policy early. It can save you around 10%.
• Anti-theft System – Cars and trucks equipped with tracking devices and advanced anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
• Student Discount for Driver Training – Require your teen driver to participate in a local driver’s education class in school.
• Resident Student – Youth drivers living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
• Driver Training Discounts – Participating in a defensive driver course may get you a small discount and easily pay for the cost of the class.

One thing to note about discounts is that most of the big mark downs will not be given to the entire policy premium. Most only cut specific coverage prices like collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, nobody gets a free ride.

To see insurance companies that offer some of these discounts, click this link.

Big brands don’t always mean big savings

Drivers get pounded daily by advertisements for the lowest price car insurance by companies like Progressive, Geico, Allstate and State Farm. They all seem to convey the message that drivers will save a bundle if you change your policy.

It sounds good, but how can they all give you a better price?

Many companies give the best rates for the type of customer that earns them a profit. One example of a profitable risk profile might be over the age of 45, has few claims, and drives a vehicle with a low ISO rating. Anyone who matches that profile will qualify for the lowest rates and have a good chance to save a lot of money.

People who cannot meet this stringent profile will see higher premiums which translates to business going elsewhere. The trick companies use is to say “drivers who switch” not “everyone who quotes” save money. That’s the way companies can truthfully make claims that they all have the best rates.

Because of these techniques, drivers must get price quotes at each policy renewal. It is impossible to guess which insurance companies will have the best prices at this point in time.

Auto insurance can be complex

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Every insured’s situation is different.

For example, these questions could help you determine whether or not you may require specific advice.

• Should I put collision coverage on all my vehicles?
• Does coverage extend to a rental car in a foreign country?
• Will my insurance pay for OEM parts?
• When do I need to add a new car to my policy?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Can I rate high risk drivers on liability-only vehicles?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance 101

Having a good grasp of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Uninsured and underinsured coverage – This coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your 2008 Chevy Avalanche.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for liability – This coverage will cover damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as loss of income, medical services, structural damage, repair costs for stationary objects and medical expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Collision – Collision insurance covers damage to your Avalanche caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sideswiping another vehicle, sustaining damage from a pot hole, scraping a guard rail and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive coverages – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, damage from a tornado or hurricane and theft. 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 dropping full coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance pay for expenses such as surgery, funeral costs and doctor visits. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Have money to burn

We covered some good ideas how you can shop for 2008 Chevy Avalanche insurance online. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the biggest savings come from some of the lesser-known companies.

As you go through the steps to switch your coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. In too many instances, someone dropped physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible at the best price.

People leave their current company for a variety of reasons including not issuing a premium refund, policy non-renewal, being labeled a high risk driver and even policy cancellation. No matter why you want to switch, choosing a new company can be pretty painless.

Helpful articles

• Teen Driving Statistics (Geico)
• Insurance Losses by Make and Model (iihs.org)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Shopping for a Safe Car (Insurance Information Insitute)