Cheap 2004 Chevrolet Avalanche Insurance Cost

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 3, 2020

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Expensive insurance coverage can drain your checking account and put a big crunch on your finances. Comparing price quotes is a smart way to make sure you’re not throwing money away. Many car insurance companies compete for your insurance dollar, so it’s not easy to compare every company and get the best coverage at the best rate

Don’t overlook these discounts

Companies don’t list all available discounts in a way that’s easy to find, so here is a list some of the best known and the more hidden discounts you could be receiving. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Multiple Cars – Having all your vehicles with the same company could earn a price break for each car.
  • Resident Student – Children who are attending college and do not have a car can receive lower rates.
  • Military Discounts – Being on active duty in the military could be rewarded with lower premiums.
  • Auto/Home Discount – If you have multiple policies with one insurance company you may save 10% to 20% off each policy.
  • Safety Course Discount – Completing a defensive driving course could possibly earn you a 5% discount depending on where you live.

It’s important to note that most credits do not apply to the entire cost. Most only cut individual premiums such as liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, companies wouldn’t make money that way.

To see a list of providers who offer insurance discounts, click this link.

Comprehensive Car Insurance Comparison

Most companies like 21st Century, Allstate and State Farm quote coverage prices directly from their websites. Getting quotes is pretty easy as you simply type in your required coverages as detailed in the form. After the form is submitted, the system collects your credit score and driving record and gives you a price quote. Online quotes simplifies rate comparisons, but the process of having to visit each company’s website and repetitively fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to perform this step in order to find better car insurance pricing.

The smarter way to compare rates requires only one form to return rates from many companies. This type of form saves time, eliminates repetitive work, and makes price shopping online much simpler. As soon as the form is sent, your coverage is rated and you can choose any one of the resulting price quotes. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. The entire process can be completed in a matter of minutes and may result in a nice savings.

To save time and fill out one form to compare multiple rates now, click here and enter your vehicle and coverage information. If you have coverage now, it’s recommended you enter the limits and deductibles as shown on your current policy. This ensures you will be getting comparison quotes using the exact same coverages.

Why your Chevy Avalanche insurance rates may be high

An important part of buying insurance is that you know the rating factors that come into play when calculating insurance coverage rates. When you know what positively or negatively influences your rates empowers consumers to make smart changes that will entitle you to lower insurance coverage prices.

The list below includes a few of the “ingredients” used by your company to calculate prices.

  • Pleasure use saves money – The higher the mileage driven in a year’s time the higher your rate. Most companies charge to insure your cars determined by how the vehicle is used. Autos that are left in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Verify your insurance coverage declarations sheet is showing the correct usage for each vehicle. If your policy improperly rates your Avalanche may be wasting your money.
  • Do men or women drive better? – Statistics demonstrate women tend to be less risk to insure than men. That doesn’t necessarily mean that men are WORSE drivers than women. They both are in accidents in similar percentages, but the male of the species cause more damage. Men also tend to have more aggressive citations such as DWI and reckless driving. Teenage male drivers are most likely to cause an accident and therefore are the most expensive to insure.
  • Where you reside plays a part – Choosing to live in less populated areas is a positive aspect when it comes to insurance coverage. Fewer drivers means a lower chance of having an accident. Drivers in populated areas have to deal with more traffic problems and a longer drive to work. More time on the road means more change of being in an accident.
  • Your credit rating is important – Your credit score is a large factor in determining what you pay for insurance coverage. Consumers who have high credit scores tend to be less risk to insure than drivers with lower ratings. If your credit rating is low, you could pay less to insure your 2004 Chevrolet Avalanche by improving your rating.
  • A lapse in coverage is a bad thing – Driving without insurance is a misdemeanor and you will pay a penalty because you let your insurance expire. And not only will insurance be more expensive, failure to provide proof of insurance may earn you a license revocation or jail time.You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • More than one policy can earn a discount – The majority of insurers give discounts to policyholders who carry more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, it’s in your best interest to compare rates to verify if the discount is saving money. Consumers may find a better deal by buying insurance coverage from a different company.
  • Your occupation can affect rates – Jobs such as judges, social workers and accountants are shown to have higher rates than average in part from high stress and lots of time spent at work. On the flip side, jobs such as farmers, athletes and the unemployed pay the least for Avalanche insurance.
  • What are your deductibles? – Your deductibles define the amount you are required to spend before your insurance coverage pays a claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply are running into the backend of another car, damage caused by hail, and windstorm damage. The more money you are required to pay out-of-pocket, the less your insurance coverage will be for Avalanche insurance.

Is my situation unique?

When buying the right insurance coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions may help you determine if your situation would benefit from an agent’s advice.

  • Am I covered when driving in Canada or Mexico?
  • How much liability insurance is required?
  • Does coverage extend to a rental car in a foreign country?
  • Is business property covered if stolen from my car?
  • What companies insure drivers after a DUI or DWI?
  • How high should my medical payments coverage be?
  • What discounts do I qualify for?
  • When can I cancel my policy?
  • Am I covered if I wreck a rental car?
  • How can I force my company to pay a claim?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Free Auto Insurance Comparison

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Auto insurance specifics

Learning about specific coverages of auto insurance can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages offered by auto insurance companies.

Comprehensive protection

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, rock chips in glass, fire damage, damage from flooding and damage from a tornado or hurricane. The most your auto insurance company will pay 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.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Chevy Avalanche.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Auto collision coverage

Collision insurance pays for damage to your Avalanche resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like sustaining damage from a pot hole, sideswiping another vehicle, driving through your garage door, rolling your car and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also increase the deductible to save money on collision insurance.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for bills for hospital visits, prosthetic devices, rehabilitation expenses, dental work and chiropractic care. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability auto insurance

This coverage protects you from damage that occurs to people or other property in an accident. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged property.

Liability insurance covers things like repair bills for other people’s vehicles, structural damage and medical services. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Quote more. Save more.

Cost effective 2004 Chevy Avalanche insurance can be sourced both online as well as from independent agents, and you need to price shop both to have the best chance of lowering rates. Some insurance providers don’t offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

Throughout this article, we presented many ideas to save on insurance. The key thing to remember is the more providers you compare, the higher the chance of saving money. Consumers could even find that the most savings is with the least-expected company. Regional companies may only write in your state and offer lower rates than the large multi-state companies such as Allstate, GEICO and Progressive.

When trying to cut insurance costs, it’s not a good idea to sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy the best coverage you can find for the lowest price while still protecting your assets.

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