2010 Chevrolet Avalanche Insurance Cost – 6 Savings Tips

Want better car insurance rates for your Chevrolet Avalanche? Trying to come up with a payment for high-priced car insurance can take a big chunk out of your funds and make it tough to pay other bills. Comparison shopping is an excellent way to cut your insurance bill.

Because there are so many different company options, it is very difficult to find the right insurance company.

It’s a great practice to get comparison quotes once or twice a year because insurance rates trend upward over time. Even if you think you had the best rate on Avalanche insurance a couple years back you may be paying too much now. There is a lot of wrong information about car insurance online but I’m going to show you some proven techniques to reduce your car insurance bill.

Lower rate quotes with these six discounts

Auto insurance is not an enjoyable expense, but you might already qualify for some discounts that many consumers don’t even know exist. A few discounts will automatically apply at the time you complete a quote, but once in a while a discount must be specially asked for prior to receiving the credit. If you check and find you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Club Memberships – Joining a professional or civic organization is a simple method to lower premiums on your policy.
  • Drivers Education – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course in high school.
  • Good Grades Discount – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts can get savings of 25 to 30%.
  • Discount for Swiching Early – A few larger companies offer discounts for renewing your policy prior to the expiration date on your current policy. You may see this discount when you get insurance quotes online.
  • Senior Discount – If you qualify as a senior citizen, you can get lower premium rates on Avalanche insurance.

A quick disclaimer, most discount credits are not given to the overall cost of the policy. A few only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, nobody gets a free ride. But any discount will help reduce your policy cost.

Some of the insurance companies that may include these money-saving discounts include:

If you are trying to find inexpensive insurance quotes, ask every insurance company which discounts you qualify for. Some discounts may not apply to policies in every state. To locate companies with the best auto insurance discounts, click here.

How to find low cost insurance coverage

When shopping for insurance coverage there are multiple ways to compare quotes from many insurance coverage companies in your state. One of the best ways to find affordable 2010 Chevy Avalanche insurance rates consists of shopping online. It’s really quite simple and can be done in just a few minutes using one of these methods.

  1. One of the simplest ways to find the lowest comparison rates is a comparison rater form click here to open form in new window. This quick form prevents you from having to do a different quote for each company you want a rate for. In just a few minutes this one form gets you coverage quotes from several companies.
  2. A more difficult way to compare rate quotes is going to each individual company website to complete their respective quote request forms. For sake of this example, let’s say you want to compare rates from State Farm, Liberty Mutual and Progressive. You would need to go to each individual site and enter your policy data, which can be really labor intensive. For a handy list of car insurance company links in your area, click here.
  3. The most difficult way to compare rates is calling or driving to insurance agencies in your area. The fact that you can get quotes online reduces the need to sit down with an agent unless you require the peace of mind that only an agent can give. You can, however, get prices online and still use a local agent.

It’s up to you which method you use, but make sure you compare nearly identical quote data with each company. If you enter different liability limits you will not be able to decipher which rate is best. Just a small difference in coverage limits may cause a big price difference. Just remember that more quotes gives you a better chance of getting the best price. Some insurance companies are not set up to provide quotes online, so it’s important to compare price estimates from them, too.

Insurance can be complex

When choosing coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. For instance, these questions might point out if your insurance needs would benefit from professional advice.

  • Does insurance cover damages from a DUI accident?
  • Are my friends covered when driving my 2010 Chevy Avalanche?
  • Am I covered when driving a rental car?
  • Should I get collision insurance on every vehicle?
  • Is my Chevy Avalanche covered if I use it for business?
  • Do I pay less if my vehicle is kept in my garage?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I better off with higher deductibles on my 2010 Chevy Avalanche?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Learn about car insurance coverages for a 2010 Chevy Avalanche

Understanding the coverages of car insurance can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average car insurance policy.

Collision protection

Collision insurance covers damage to your Avalanche from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as colliding with another moving vehicle, scraping a guard rail and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, a tree branch falling on your vehicle, theft and hitting a bird. The highest amount a car 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 consider dropping full coverage.

Liability car insurance

This coverage will cover damage or injury you incur to other people or property in an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as pain and suffering, medical expenses, repair bills for other people’s vehicles and funeral expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2010 Chevy Avalanche.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these coverages are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like ambulance fees, EMT expenses, doctor visits and prosthetic devices. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Save your hard earned cash

Throughout this article, we presented many ideas to save on 2010 Chevy Avalanche insurance. The most important thing to understand is the more price quotes you have, the better likelihood of getting cheaper insurance. You may even find the lowest car insurance rates are with some of the smallest insurance companies. Some small companies may have significantly lower premium rates on certain market segments compared to the large companies like Allstate, Geico and Progressive.

When getting insurance quotes online, never buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped uninsured motorist or liability limits only to discover later that the savings was not a smart move. The ultimate goal is to find the BEST coverage at the best price.

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