Cheap 2012 Chevrolet Avalanche Insurance Rates

Trying to find the cheapest insurance coverage rates for your Chevrolet Avalanche? Searching for the cheapest insurance for your Chevy Avalanche can normally be a lot of work, but you can use these tips to find lower rates.

There is a better way to shop for insurance coverage so we’re going to tell you the proper way to price shop coverage for a Chevy and find the lowest price from local insurance agents and online providers.

Cheaper auto insurance quotes with discounts

Auto insurance is not cheap nor is it fun to buy but you may find discounts that can drop the cost substantially. A few discounts will be applied at the time of purchase, but some need to be asked about prior to receiving the credit.

• Multiple Vehicles – Buying insurance for more than one vehicle with one company can get a discount for every vehicle.
• Accident Free – Claim-free drivers can save substantially compared to policyholders that have many claims.
• Distant Student – Any of your kids who are attending college and won’t have access to an insured vehicle may be able to be covered for less.
• Discounts for Safe Drivers – Safe drivers can pay as much as 50% less for Avalanche coverage than drivers with accident claims.
• ABS and Traction Control Discounts – Vehicles with ABS braking systems or traction control prevent accidents and will save you 10% or more.
• Military Discounts – Being on active duty in the military can result in better rates.
• Drive Less and Save – Driving fewer miles could qualify for discounted premium rates on garaged vehicles.
• Seat Belts Save more than Lives – Forcing all vehicle occupants to buckle up can save up to 15% off PIP or medical payments premium.
• Paperwork-free – A few larger online companies will provide an incentive for buying your policy on your computer.
• Multi-line Discount – Select insurance companies reward you with a small discount if you purchase a life insurance policy as well.

A quick disclaimer, some of the credits will not apply to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. So even though you would think all the discounts add up to a free policy, you’re out of luck.

The best auto insurance companies and a summarized list of policyholder discounts can be read below.

• Progressive offers discounts including good student, multi-vehicle, continuous coverage, homeowner, online signing, multi-policy, and online quote discount.
• AAA may have discounts that include AAA membership discount, multi-policy, anti-theft, multi-car, education and occupation, good student, and good driver.
• Farmers Insurance includes discounts for mature driver, electronic funds transfer, youthful driver, good student, multi-car, and teen driver.
• Geico discounts include seat belt use, multi-policy, good student, anti-theft, and defensive driver.
• Esurance offers premium reductions for multi-car, defensive driver, DriveSense, good driver, and homeowner.
• SAFECO may offer discounts for drive less, anti-lock brakes, teen safe driver, anti-theft, multi-car, safe driver, and accident prevention training.
• State Farm offers discounts for multiple policy, Steer Clear safe driver discount, student away at school, defensive driving training, and safe vehicle.

Check with every company which credits you are entitled to. Some of the discounts discussed earlier may not be available in your area. To see auto insurance companies that offer many of these discounts, click this link.

Tailor your insurance coverage to you

When buying coverage for your vehicles, there really is no cookie cutter policy. Every situation is different.

These are some specific questions may help highlight if you might need an agent’s assistance.

• How can I get high-risk coverage after a DUI?
• Is my vehicle covered by my employer’s policy when using it for work?
• Why do I need rental car insurance?
• Do I need PIP coverage since I have good health insurance?
• Are split liability limits better than a combined single limit?
• Will my insurance pay for OEM parts?
• When does my teenage driver need to be added to my policy?
• Does my policy cover me when driving someone else’s vehicle?
• What discounts do I qualify for?
• Are rock chip repairs covered?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.

Insurance coverages and their meanings

Understanding the coverages 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 impossible to understand and even agents have difficulty translating policy wording.

Liability insurance

Liability insurance can cover injuries or damage you cause to other’s property or people. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability can pay for things like loss of income, repair costs for stationary objects, repair bills for other people’s vehicles, attorney fees and structural damage. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Uninsured and underinsured coverage

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your 2012 Chevy Avalanche.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Auto collision coverage

This will pay to fix damage to your Avalanche from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a ditch, colliding with a tree, scraping a guard rail and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for surgery, X-ray expenses and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants as well as being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Comprehensive coverages

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

Comprehensive coverage protects against claims like fire damage, damage from a tornado or hurricane, theft and hail damage. The most your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Smart consumers save more

In this article, we presented quite a bit of information on how to shop for 2012 Chevy Avalanche insurance online. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your premium rates. You may be surprised to find that the lowest priced car insurance comes from some of the smallest insurance companies.

Consumers change insurance companies for any number of reasons including denial of a claim, extreme rates for teen drivers, poor customer service or delays in responding to claim requests. No matter why you want to switch, finding a new car insurance company is actually quite simple.

While you’re price shopping online, do not reduce needed coverages to save money. Too many times, an insured dropped collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your goal is to buy enough coverage at an affordable rate, not the least amount of coverage.

Additional learning opportunities

• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Parking Tips to Reduce Door Dings (State Farm)
• Understanding Car Crashes Video (iihs.org)