2011 Chevrolet Avalanche Car Insurance Quotes

Nobody is fond of buying car insurance, particularly when their premiums are through the roof. Consumers have multiple insurers to choose from, and although it’s a good thing to be able to choose, it makes it harder to find the best rates for your vehicles.

Components of your Chevy Avalanche insurance premiums

A large part of saving on car insurance is knowing some of the factors that help calculate the rates you pay for car insurance. If you have a feel for what positively or negatively impacts your premiums, this enables you to make decisions that can help you get big savings.

• Cheaper rates with high coverage deductibles – Protection for physical damage, also known as collision and other-than-collision, covers your vehicle from damage. Some coverage claims are a dented fender, hail damage, and rolling your vehicle. Deductibles for physical damage tell how much the insured will be required to pay before your car insurance pays a claim. The more you’re willing to pay, the bigger discount you will receive for Avalanche coverage.
• Gender is a factor – Over the last 50 years, statistics have shown females are less aggressive when driving. This data doesn’t prove that women are BETTER drivers than men. Both sexes tend to get into accidents at a similar rate, but guys cause more damage. Men also statistically get cited for more serious violations like driving under the influence (DUI). Male teenagers are most likely to cause an accident and thus pay the highest rates.
• Multi-policy discounts can save money – The majority of companies will give lower prices for people that purchase more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, it’s still a good idea to check prices from other companies to make sure you are getting the best deal. You may still be able to find lower rates by buying from different companies
• What are good liability protection limits? – Your policy’s liability coverage is the coverage that protects you when you are responsible for causing personal injury or damage in an accident. Your policy’s liability insurance provides legal defense coverage up to the limits shown on your policy. Liability is cheap compared to other policy coverages, so insureds should have plenty of protection for their assets.

Insurance coverage companies offer many types of discounts

Insurance coverage can be pricey, but companies offer discounts to help bring down the price. Certain credits will be shown when you get a quote, but occassionally some discounts must be manually applied before you get the savings. If you aren’t receiving every discount possible, you are throwing money away.

• No Claim Discounts – Insureds who avoid accidents and claims can earn big discounts as compared to drivers with a long claim history.
• Driver’s Education for Students – Cut your cost by having your teen driver take driver’s ed class as it will make them better drivers and lower rates.
• Anti-lock Brakes – Cars that have steering control and anti-lock brakes have fewer accidents and will save you 10% or more.
• Theft Prevention System – Cars and trucks equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
• Discounts for New Vehicles – Buying a new car model can save you some money because newer models are generally safer.
• Multi-Vehicle Discounts – Buying a policy with primary and secondary vehicles with the same company can get a discount on all vehicles.
• Onboard Data Collection – Policyholders that allow their insurance company to monitor driving patterns by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm may see discounts if their driving habits are good.
• Discount for Good Grades – A discount for being a good student may save you up to 25%. The good student discount can last well after school through age 25.

One thing to note about discounts is that some credits don’t apply to the entire cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like you could get a free insurance coverage policy, you’re out of luck.

To choose insurers with significant discounts, click this link.

Can switching companies really save?

Consumers constantly see and hear ads for the lowest price car insurance by companies like State Farm, Allstate and Geico. All the ads try to convey promises that people will save if you change to their company.

But how can every company give you a better price? Just pay attention to how they say it.

All companies have a preferred profile for the type of insured that will add to their bottom line. For instance, a profitable risk profile might be over the age of 50, has never had a policy lapse, and chooses high deductibles. A customer that meets those criteria will get low premium rates and is almost guaranteed to save quite a bit of money when switching.

Drivers who fall outside this ideal profile will probably be forced to pay more expensive rates and this can result in business going elsewhere. The trick companies use is to say “people who switch” not “everyone that quotes” can save as much as they claim. That’s the way companies can truthfully make claims like that. Because each company has a different risk profile, you really should compare price quotes frequently. Because without a comparison, you cannot know with any certainty which company will give you the biggest savings.

Do I just need basic coverages?

When it comes to choosing proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s needs are different and your policy should reflect that. For instance, these questions can help discover whether you might need professional guidance.

• Can I get a multi-policy discount for packaging my home and auto coverage?
• When should I remove comp and collision on my 2011 Chevy Avalanche?
• Do I need to file an SR-22 for a DUI in my state?
• What are the best liability limits?
• Does liability extend to a camper or trailer?
• Does my medical payments coverage pay my health insurance deductible?
• Should I put collision coverage on all my vehicles?
• Do I need more liability coverage?
• How high should my uninsured/underinsured coverage be in my state?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Specifics of your insurance policy

Learning about specific coverages of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages offered by insurance companies.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills for funeral costs, X-ray expenses and chiropractic care. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your Chevy Avalanche.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability

This provides protection from injuries or damage you cause to people or other property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like attorney fees, legal defense fees, repair bills for other people’s vehicles, court costs and structural damage. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Comprehensive auto coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like falling objects, damage from flooding and damage from getting keyed. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto collision coverage

This coverage pays for damage to your Avalanche from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like scraping a guard rail, rolling your car, sideswiping another vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Buy online or local, you save

You just learned some good ideas how you can reduce 2011 Chevy Avalanche insurance rates online. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. You may even discover the best rates are with a lesser-known regional company. These smaller insurers may only write in your state and offer lower car insurance rates as compared to the big name companies such as Geico and State Farm.

As you go through the steps to switch your coverage, you should never buy less coverage just to save a little money. There have been many cases where someone sacrificed liability limits or collision coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The goal is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.

Much more information about insurance coverage is located below:

• Understanding Car Crashes Video (iihs.org)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)
• Prepare your Teens for Safe Driving (InsureUonline.org)