2004 Chevrolet Avalanche Insurance Rates

Are you irritated from paying out the nose to pay auto insurance each month? You are no different than millions of other consumers.

There is such a variety of insurers to pick from, and even though it’s nice to have multiple companies, more choices can make it harder to compare company pricing.

It’s a great practice to compare rates before your next renewal because auto insurance rates change quite often. Just because you found the lowest premium rates for Avalanche coverage six months ago a different company probably has better prices today. There is a lot of bad information regarding auto insurance on the web, but I’m going to show you some guaranteed methods to find affordable auto insurance.

Finding affordable coverage is quite easy. Basically, every driver who is required by state law to have car insurance will most likely be able to find better rates. But vehicle owners need to have an understanding of the methods companies use to market on the web.

How much does car insurance cost?

All major car insurance companies like State Farm, GEICO and Progressive provide prices for coverage direct online. This process is easy for anyone as you just type in the coverage amounts you desire as detailed in the form. After you complete the form, their quoting system will obtain your credit score and driving record and generates pricing information based on these factors. This makes it easy to compare insurance prices but the time it takes to visit many different websites and enter the same data into a form can be a bit tiresome and repetitive. But it is imperative to get many rate quotes in order to get the lowest car insurance rates.

Rate comparisons made easy

An easier way to compare rates utilizes a single form that obtains quotes from several companies at one time. The form is fast, eliminates repetitive work, and makes quoting online much more efficient. Once the form is submitted, your coverage is rated and you are able to buy any or none of the pricing results. If you find a better price it’s easy to complete the application and purchase the new policy. The whole process can be completed in a matter of minutes and could lower your rates considerably.

To compare pricing, click here and enter your vehicle and coverage information. If you have a policy now, it’s recommended you replicate deductibles and limits just like they are on your policy. Doing this guarantees you will have a fair comparison based on the exact same insurance coverage.

Discounts can really help lower premiums

Car insurance is not cheap, but there could be significant discounts that you may not even know about. Larger premium reductions will be automatically applied when you complete an application, but a few need to be specially asked for before you will receive the discount.

  • Early Payment Discounts – By making one initial payment as opposed to paying monthly you can avoid the installment charge.
  • Early Switch Discount – Select companies give a discount for renewing your policy before your current expiration date. It could save around 10% when you buy car insurance online.
  • Distant College Student Discount – College-age children who are attending college and do not take a car to college may qualify for this discount.
  • Lower Rates for Military – Having an actively deployed family member could mean lower rates.
  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class if it’s offered in school.
  • New Vehicle Savings – Buying insurance on a new vehicle is cheaper because newer models keep occupants safer.

As a sidenote, many deductions do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as medical payments or collision. Despite the appearance that you can get free auto insurance, you aren’t that lucky.

If you would like to choose from a list of auto insurance companies offering auto insurance discounts, click here to view.

Smart buyers can reduce insurance rates

When buying car insurance it’s important to understand some of the elements that help determine car insurance rates. If you know what influences your rates, this allows you to make educated decisions that can help you get lower rates. Many things are taken into consideration when quoting car insurance. Most are fairly basic like your driving record, but other criteria are not quite as obvious like your continuous coverage or how financially stable you are.

  • Use credit responsibly and save – An insured’s credit rating factor in calculating your car insurance rates. Insureds with very good credit scores tend to be more responsible than drivers who have bad credit. If your credit is lower than you’d like, you could save money insuring your 2004 Chevrolet Avalanche by improving your credit score.
  • Car insurance liability protection limits – Your policy’s liability coverage is the coverage that protects you if ever you are found liable for personal injury or accident damage. It will provide legal defense which can cost a lot. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Eliminate add-on coverages – Policies have extra add-on coverages that can add up but may not be useful. Add-on coverages like replacement cost coverage, death and dismemberment, and Farm Bureau memberships may be costing you every month. They may seem like a good idea when talking to your agent, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Rural areas have lower rates – Having an address in less populated areas of the country can save you money when trying to find low car insurance rates. Fewer drivers translates into fewer accident claims and a lower car theft rate. People in densly populated areas regularly have more road rage incidents and much longer commute distances. Spending more time driving can result in more accidents.

Will just any policy work for me?

When it comes to choosing proper insurance coverage, there really is no “perfect” insurance plan. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that may help highlight whether or not you might need an agent’s assistance.

  • When should I remove comp and collision on my 2004 Chevy Avalanche?
  • What if I owe more than I can insure my car for?
  • What discounts do I qualify for?
  • When can I cancel my policy?
  • What is covered by UM/UIM coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is my ex-spouse still covered by my policy?
  • Does my 2004 Chevy Avalanche need full coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you’re not sure about those questions, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Beware of misleading insurance ads

Popular insurance providers such as State Farm, GEICO and Progressive seem to constantly run ads in print and on television. They all seem to make the same claim about how much you will save if you move your coverage to them. How can each company sell you cheaper insurance coverage? It’s all in the wording.

All the different companies quote their best rates for the type of insured that will most likely be profitable. For example, a profitable customer may be between the ages of 30 and 50, has few claims, and drives newer vehicles. Someone who matches that profile will get the preferred prices as well as save quite a bit of money when switching.

Insureds who do not meet this stringent profile will be quoted a more expensive rate which results in business going elsewhere. If you pay close attention to the ads, they say “drivers who switch” not “everyone that quotes” save that much. That is how companies can truthfully lure you into getting a quote. Because every company is different, you absolutely need to compare many company’s prices. It’s not possible to predict which company will have the lowest rates.

Insurance policy specifics

Knowing the specifics of a insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages found on the average insurance policy.

Comprehensive coverage

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, a broken windshield and vandalism. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage protection

This will pay to fix damage to your Avalanche resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a building, hitting a mailbox, damaging your car on a curb, colliding with another moving vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Auto liability insurance

Liability insurance provides protection from injuries or damage you cause to a person or their property. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as court costs, medical services, repair bills for other people’s vehicles, pain and suffering and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for short-term medical expenses like chiropractic care, rehabilitation expenses and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

In Summary

As you restructure your insurance plan, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut comprehensive coverage or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy a smart amount of coverage at the best cost while still protecting your assets.

Cheaper 2004 Chevy Avalanche insurance is definitely available from both online companies in addition to local insurance agencies, so you should compare both to have the best rate selection. A few companies do not provide rate quotes online and these smaller companies sell through independent insurance agents.

Even more information is available in the articles below: