2002 Chevrolet Avalanche Insurance Cost – 10 Tricks for Best Prices

Trying to find better insurance rates for your Chevrolet Avalanche? Trying to come up with a payment for high-priced insurance can eat up your monthly budget and maybe even restrict other spending. Comparison shopping is a great way to reduce premiums and put more money in your pocket.

Since you have so many companies to choose from, it can be impossible to locate the lowest cost insurance provider.

You should take the time to do price comparisons at least once a year because insurance rates are adjusted regularly by insurance companies. Even if you got the best premium rates for Avalanche coverage a year ago other companies may now be cheaper. Ignore everything you know about insurance because you’re going to learn the easiest way to save money, get proper coverage and the best rates.

Compare free insurance rate quotes

Effectively comparing insurance prices can be exhausting if you don’t utilize the easiest way. You could spend the better part of a day discussing policy coverages with insurance agencies in your area, or you can utilize the web to maximize your effort.

Most of the larger companies belong to a marketplace that enables customers to send in one quote, and every company returns a competitive quote. This eliminates the need for repetitive form submissions to each company.

To compare rates using this form now click here to open in new window.

The one disadvantage to getting quotes like this is that you can’t choose which companies to get quotes from. So if you want to choose individual companies to receive pricing from, we put together a list of low cost insurance companies in your area. Click here to view list.

Whichever way you choose to compare rates, ensure you are comparing equivalent coverage data on every quote you get. If the quotes have different limits and deductibles on each one you will not be able to determine which rate is truly the best. Slightly different coverage limits may result in large price differences. And when quoting insurance, remember that comparing more company’s prices will increase your chances of finding lower pricing. Some smaller insurers to not give quotes online, so you also need to get quotes from the smaller companies as well.

Take these ten policy discounts and save

Auto insurance can be pricey, but there could be available discounts that may help make it more affordable. Some discounts will apply at quote time, but a few must be specifically requested in order for you to get them.

Employee of Federal Government – Active or retired federal employment can save as much as 8% for Avalanche coverage depending on your company.
Telematics Devices – Insureds that choose to allow data collection to analyze driving habits through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if their driving habits are good.
Multiple Vehicles – Purchasing coverage when you have multiple vehicles with one company can get a discount for every vehicle.
Passive Restraints – Factory air bags or motorized seat belts may get savings of 20% or more.
Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you better premium rates if you take out auto and life insurance together.
No Charge for an Accident – This isn’t a discount exactly, but some insurance companies will forgive one accident without getting socked with a rate hike with the catch being you have to be claim-free prior to being involved in the accident.
Active Military Service – Having a family member in the military could mean lower premium rates.
ABS Brakes – Cars and trucks with ABS and/or traction control are much safer to drive and therefore earn up to a 10% discount.
Paperless Signup – A handful of insurance companies will discount your bill up to fifty bucks for buying your policy on your computer.
Safety Course Discount – Taking a defensive driving class could earn you a small percentage discount depending on where you live.

Consumers should know that many deductions do not apply to your bottom line cost. Some only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, it doesn’t quite work that way.

A few of the larger companies and their possible discounts are included below.

Geico may offer discounts for multi-policy, defensive driver, good student, emergency military deployment, federal employee, and anti-lock brakes.
MetLife includes discounts for multi-policy, good student, good driver, claim-free, and accident-free.
Progressive policyholders can earn discounts including multi-policy, good student, homeowner, continuous coverage, and online signing.
Travelers has savings for home ownership, early quote, good student, new car, save driver, and multi-car.
SAFECO has discounts for teen safe driver, multi-car, safe driver, homeowner, teen safety rewards, and accident prevention training.
AAA may include discounts for anti-theft, good driver, multi-car, pay-in-full, AAA membership discount, and multi-policy.

When getting free insurance quotes, it’s a good idea to each insurance company how many discounts you can get. Depending on the company, some discounts may not apply to policies in your area. If you would like to view insurance companies that can offer you the previously mentioned discounts, click this link.

Which policy gives me the best coverage?

When choosing the best auto insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions may help you determine if your situation would benefit from an agent’s advice.

Should I put collision coverage on all my vehicles?
Do I need to file an SR-22 for a DUI in my state?
Can I rate high risk drivers on liability-only vehicles?
Who is covered by my policy?
How can I get high-risk coverage after a DUI?
What is medical payments coverage?
Do I need PIP (personal injury protection) coverage in my state?
Do I need higher collision deductibles?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Insurance coverages and their meanings

Learning about specific coverages of insurance can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Below you’ll find the usual coverages offered by insurance companies.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like prosthetic devices, ambulance fees, pain medications, rehabilitation expenses and chiropractic care. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Auto collision coverage

Collision insurance pays for damage to your Avalanche from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for things like sideswiping another vehicle, colliding with a tree, hitting a parking meter and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Auto liability insurance

This coverage protects you from damages or injuries you inflict on a person or their property that is your fault. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things like court costs, structural damage, loss of income and legal defense fees. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as theft, rock chips in glass, vandalism and a broken windshield. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2002 Chevy Avalanche.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently these limits are similar to your liability insurance amounts.