2003 Chevrolet Avalanche Insurance Cost

Looking for the cheapest auto insurance rates for your Chevrolet Avalanche? Price shopping your auto insurance could be hard for drivers not familiar with shopping for insurance online. People have so many different companies and agents to choose from that it can quickly become a ton of work to locate the lowest price.

Find discounts to get cheap insurance coverage rates

Auto insurance companies don’t necessarily list all disounts very well, so the following is a list of a few of the more common in addition to some of the lesser obvious credits available to you.

  • Pay Upfront and Save – If you pay your bill all at once instead of paying each month you can avoid the installment charge.
  • Active Service Discounts – Being deployed in the military could mean lower premium rates.
  • Auto/Life Discount – Some companies give a discounted insurance coverage rate on car insurance if you buy some life insurance too.
  • Anti-theft Discount – Cars equipped with tracking devices and advanced anti-theft systems help deter theft and will save you 10% or more.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less because new model year vehicles keep occupants safer.
  • Distant College Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle may be insured at a cheaper rate.

Policy discounts save money, but most of the big mark downs will not be given to the entire policy premium. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, it just doesn’t work that way.

Companies and their offered discounts are shown below.

  • State Farm may have discounts that include Drive Safe & Save, accident-free, student away at school, multiple autos, and driver’s education.
  • Geico includes discounts for good student, five-year accident-free, anti-lock brakes, daytime running lights, anti-theft, and seat belt use.
  • Allstate discounts include auto/life discount, new car, economy car, teenSMART discount, FullPay discount, and early signing.
  • SAFECO may include discounts for multi-car, teen safety rewards, bundle discounts, accident prevention training, and safe driver.
  • Farm Bureau offers premium reductions for renewal discount, safe driver, multi-vehicle, youthful driver, 55 and retired, good student, and multi-policy.
  • Progressive policyholders can earn discounts including online quote discount, homeowner, multi-vehicle, good student, and online signing.
  • AAA has savings for multi-car, multi-policy, pay-in-full, education and occupation, good driver, good student, and AAA membership discount.

When getting a coverage quote, ask every insurance company how many discounts you can get. Some credits may not be offered in your state. If you would like to see a list of companies that offer the discounts shown above, follow this link.

How much does insurance coverage cost?

To find the best insurance coverage rates, there are several ways of comparing rates from companies that offer insurance coverage in your state. The easiest way by far to compare 2003 Chevy Avalanche insurance prices is to get quotes online. It’s really quite simple and can be done in a couple minutes as outlined below.

  1. One of the simplest ways to get quotes is to use a rate comparison form click here to open form in new window. This type of form keeps you from doing repetitive form entry for every prospective company. One form submission gets rate comparisons from all major companies. It’s the fastest way to compare.
  2. A slightly less efficient method to find lower rates requires you to visit the website of each company and request a quote. For example, let’s say you want to get rates from Auto-Owners, Safeco and Liberty Mutual. In order to compare rates, you need to go to every website and repeatedly type in your coverage information, which can get rather old. For a list of companies in your area, click here.

The method you choose is up to you, but make sure you are using nearly identical quote data on every quote you get. If you are comparing different limits and deductibles on each one it’s not possible to determine the lowest rate for your Chevy Avalanche. Quoting even small variations in insurance coverages or limits can mean a large discrepancy in price. And when comparing insurance coverage rates, know that comparing all the rates in your area helps locate the best rates.

How to lower your insurance prices

One of the most helpful ways to save on auto insurance is to to have a grasp of the factors that help determine the price you pay for auto insurance. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that can earn you much lower annual insurance costs.

The factors shown below are a few of the things utilized by car insurance companies to help set your premiums.

  • Women tend to take less risk – Statistics have proven females are less aggressive when driving. The data does not necessarily mean that females are better drivers. Men and women cause fender benders at about the same rate, but males cause more damage and cost insurance companies more money. Men also have more aggressive citations like reckless driving and DUI. Males from age 16 to 21 are several times more likely to be in an accident and therefore pay the highest rates.
  • Discounts for alarm systems – Driving a car with a theft deterrent system can help bring down rates. Theft prevention devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent car theft.
  • Improve your credit history – A driver’s credit rating will be a significant factor in determining what you pay for auto insurance. Drivers with excellent credit scores tend to be better drivers and file fewer claims than drivers who have lower credit ratings. Therefore, if your credit leaves room for improvement, you could save money insuring your 2003 Chevrolet Avalanche by improving your rating.
  • Traffic violations can increase prices – Getting just one driving citation can bump up the cost substantially. Careful drivers tend to pay less for car insurance than their less careful counterparts. Drivers unfortunate enough to have multiple citations like DWI, reckless driving or hit and run convictions are required to prove financial responsibility to the state department of motor vehicles in order to legally drive a vehicle.
  • Auto insurance rates and your employer – Do you work in a high-stress field? Occupations like military personnel, executives and medical professionals usually pay higher rates than the rest of us attributed to intense work requirements and long work days. On the flip side, jobs like farmers, historians and the unemployed have the lowest average rates for Avalanche insurance.
  • Don’t let your policy lapse – Allowing your auto insurance policy to lapse is a sure-fire way to increase your auto insurance rates. Not only will rates go up, being ticketed for driving with no insurance may earn you a license revocation or jail time. You may then be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Discounts for auto and home policies – Lots of insurers afford better rates to policyholders who consolidate policies with them such as combining an auto and homeowners policy. Discounts can add up to ten percent or more. Even if you’re getting this discount it’s still a good idea to compare rates to make sure you are getting the best deal. You may still be able to find better rates by splitting coverages up.

Tailor your auto insurance coverage to you

When it comes to buying adequate coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is unique.

For example, these questions might help in determining whether your personal situation may require specific advice.

  • What companies insure drivers after a DUI or DWI?
  • What is no-fault insurance?
  • Is my trailer covered?
  • Do I have newly-aquired coverage?
  • Should I carry comprehensive and collision coverage?
  • Is my camper covered by my car insurance policy?
  • Do I need rental car coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is my babysitter covered when using my vehicle?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form.

Beware of misleading car insurance ads

Car insurance providers like State Farm and Allstate continually stream television, radio, and online ads. They all seem to state the claim about how much you will save just by moving to them. How can each company charge you less for auto insurance? This is the way they can do it.

Insurance companies quote their best rates for the type of customer that will add to their bottom line. For instance, a driver they prefer could possibly be a married male, owns their home, and does not commute to work. A customer that fits those parameters will probably get the lowest rates and have a good chance to save money with a new company.

People who don’t measure up to the “perfect” profile may receive a higher premium and this can result in the customer buying from someone else. The ads state “customers who switch” not “everyone who quotes” save the amount stated. That’s the way companies can truthfully make those statements.

Different companies use different criteria so you really need to do a rate comparison at every renewal. Because you cannot predict which insurance companies will give you the biggest savings.

Auto insurance coverage considerations

Knowing the specifics of your policy aids in choosing the best coverages and the correct deductibles and limits. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Liability insurance – This coverage will cover damage that occurs to a person or their property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things like repair costs for stationary objects, bail bonds, emergency aid, structural damage and court costs. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for bills like ambulance fees, X-ray expenses, prosthetic devices, doctor visits and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sideswiping another vehicle, hitting a parking meter, crashing into a building and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your 2003 Chevy Avalanche.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time these limits do not exceed the liability coverage limits.

Comprehensive insurance – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like a broken windshield, a tree branch falling on your vehicle and hail damage. The maximum amount you can receive from a comprehensive 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.

Best coverage at the best price

People leave their current company for many reasons like poor customer service, denial of a claim, policy cancellation and policy non-renewal. Regardless of your reason, finding the right auto insurance provider is not as difficult as it may seem.

We just presented quite a bit of information on how to reduce 2003 Chevy Avalanche insurance prices online. The key concept to understand is the more rate quotes you have, the better likelihood of getting cheaper auto insurance. Consumers could even find that the biggest savings come from a smaller regional carrier.

Cheaper 2003 Chevy Avalanche insurance can be purchased both online and also from your neighborhood agents, and you need to comparison shop both in order to have the best chance of saving money. Some auto insurance companies don’t offer internet price quotes and usually these smaller providers work with independent insurance agents.

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