Proven Tricks to Getting the Absolute Lowest Price on Chevy Avalanche Insurance Rates

Locating low-cost insurance for your Chevy Avalanche can normally be difficult, but you can use the following methods to save time.

There is a better way to buy car insurance so you’re going to learn the proper way to compare rates on a Chevy and find the best price possible from local insurance agents and online providers.

Why your Chevy Avalanche insurance rates may be high

An important part of buying insurance is that you know the different types of things that go into determining the rates you pay for car insurance. Knowing what influences your rates empowers consumers to make smart changes that could result in much lower annual insurance costs.

• Too many car insurance claims drive up costs – Insurance companies provide cheaper rates to policyholders who file claims infrequently. If you tend to file frequent claims, you can expect higher rates. Auto insurance is designed for the large, substantial claims.
• Being married is a good thing – Having a spouse can actually save you money when buying car insurance. Having a significant other means you’re more mature and statistics show being married results in fewer claims.
• Liability insurance protects assets – Liability insurance is the coverage that protects you if ever a jury decides you are liable for damages caused by your negligence. It will provide you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.
• Big city or small town – Residing in less populated areas can save you money when buying car insurance. City drivers regularly have traffic congestion and much longer commute distances. Fewer people means fewer accidents and a lower car theft rate.

Compare Quotes for Car Insurance

To find the best car insurance prices, there are several ways to compare rate quotes and find the best price. The fastest way to find the lowest Chevy Avalanche rates consists of shopping online. It is quite easy and can be accomplished in several different ways.

1. One of the simplest ways to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This method prevents you from having to do multiple quote forms for every car insurance company. One form submission will return quotes from many national carriers. Recommended for those who want to invest the least amount of time.
2. A harder way to compare prices consists of visiting each company’s website to complete their respective quote request forms. For instance, we’ll assume you want rates from GEICO, Allstate and GMAC. You would have to visit each site and enter your policy data, which is why the first method is more popular. To view a list of companies in your area, click here.
3. The least recommended method to compare rates is to drive around to insurance agents’ offices. Shopping for car insurance online can eliminate the need for a local agent unless you prefer the trained guidance of a local agent. However, consumers can price shop your coverage online but still have the advice of a local agent. We’ll cover that shortly.

Which method you use is up to you, but be sure to compare identical coverage limits and deductibles for every quote you compare. If you use mixed coverages it will be next to impossible to make a fair comparison for your Chevy Avalanche. Quoting even small variations in limits may result in large price differences. And when price shopping your coverage, having more price comparisons will improve the odds of getting the best rates.

Are you getting all your discounts?

The price of auto insurance can be rather high, but there could be available discounts to cut the cost considerably. Some discounts apply automatically at the time of purchase, but a few must be specifically requested before you get the savings.

• Federal Government Employee – Being employed by or retired from a federal job may qualify you for a discount for Avalanche coverage with certain companies.
• Auto/Home Discount – If you have multiple policies with the same insurance company you will save up to 20% off your total premium.
• Student in College – Children who are attending college without a vehicle on campus can receive lower rates.
• Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
• Drive Less and Save – Fewer annual miles on your Chevy could qualify for discounted rates on garaged vehicles.
• Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
• Military Discounts – Having a deployed family member may qualify for rate reductions.
• Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for Avalanche coverage than drivers with accident claims.
• Sign Early and Save – Some insurance companies reward drivers for switching to them before your current expiration date. It can save you around 10%.
• One Accident Forgiven – Some insurance companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a certain period of time.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky. But all discounts will bring down your premiums.

For a list of companies who offer car insurance discounts, follow this link.

Don’t I need to talk to an agent?

Some people just want to buy from a licensed agent and there is nothing wrong with that. The best thing about getting online price quotes is you may find better rates and still choose a local agent. And providing support for small agencies is especially important in smaller communities.

By using this form (opens in new window), your information gets sent to participating agents who will battle to get your business. You won’t need to leave your computer since price quotes are sent directly to your email. Now that’s easy! You can find the lowest rates and an insurance agent to talk to.

If you prefer to select a specific agent in your state, visit this page.

Picking an insurer should depend on more than just a cheap price. Agents should be asked these questions:

• Do clients work directly with the agent or are most inquiries handled by a CSR?
• How long have they worked with personal auto insurance coverage?
• How are they compensated?
• Do they carry Errors and Omissions coverage?
• If they are an independent agency, which companies do they recommend?
• Does the agency have a good rating with the Better Business Bureau?
• How often do they review policy coverages?

After getting good answers to these questions and locked in a price quote, it’s possible that you found an insurance company that will provide car insurance coverage.

Smart shoppers get results

Cheap Chevy Avalanche insurance is definitely available online and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers do not offer you the ability to get quotes online and these small, regional companies work with independent agents.

As you prepare to switch companies, you should never buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.

Throughout this article, we presented some good ideas how to shop for Chevy Avalanche insurance online. The key concept to understand is the more you quote, the higher your chance of finding lower rates. Consumers may even find the best price on car insurance is with an unexpected company.