How to Insure your Chevrolet Avalanche on a Tight Budget
If buying car insurance was fun, we'd do it as a recreational sport. But the premiums we pay always seem to be too high and most of use would rather get a tooth pulled. Finding affordable insurance for your Chevrolet Avalanche is probably the same story.
Step One: Insurance Quotes
The old way of buying car insurance was to make multiple trips to various local agents and get strong armed into a policy that didn't necessarily fit you. Welcome to the 21st century!
Comparing apples-to-apples price quotes for your Chevrolet Avalanche is made easy by only requiring one form to be completed. This will shop your coverage with multiple companies and allow you to easily compare rates.
Start a free rate quote comparison now by clicking the link below. Once you complete the short form, you'll be able to compare rates and then move on to our next section on how to lower rates even further.
Quote Tip! In order to accurately compare rates for your Avalanche, it's critical that you use the same limits and deductibles for liability and physical damage coverages like comprehensive and collision. If you use different limits, you will not be able to accurately compare rates between carriers.
Step Two: Tried and True Ways to Save on Avalanche Insurance
Once you have quotes in hand, you can then consider some of the other techniques for lowering your Avalanche insurance rates.
- Insurance companies pay attention to which vehicles are stolen the most, so if your car is frequently targeted by thieves, chances are good you will pay more for insurance if you live in certain parts of the country.
- Car insurance disounts for senior citizens are often offered by companies as well as discounts for belonging to a professional organization.
- Drivers often have a false sense of safety when driving an SUV, and this results in more accidents in adverse weather conditions. Unfortunately every SUV owner pays higher insurance rates because of this.
- If your Chevrolet is equipped with safety features such as airbags, anti-lock brakes or a security system, insurance companies will often give a minor discount for those.
- Driver's safety courses will often get you a discount off your rates. Check to see if your company offers the discount and find a qualifying class in your area.
- Filing small claims will get you into hot water with your insurance company. Frequent filers will often find themselves either paying higher rates or non-renewed at renewal time.
- Allowing your insurance to lapse for any length of time will increase the cost of a new policy. Always keep coverage in force.
- If you have any teenage drivers in your household, expect to fork out quite a bit more for insurance. Rating them on a low profile vehicle with liability only coverage is the best way to save money.
- If you are a renter rather than a homeowner, you might pay a little more to insure your car. Owning a home takes financial repsonsibility and insurance companies reward those policy holders.
- A single speeding ticket can cost you several hundreds of dollars over the next three years thanks to increased car insurance rates. Slow down and drive safely.
- One of the best ways to lower your insurance rates is to raise your credit score. Check your rating once a year and make sure to address any problem areas immediately.
- Higher deductibles save money. If you can afford to pay a larger portion of a comprehensive or collision claim, you will pay substantially less for those coverages if you increase your deductibles to $500 or even $1,000.
Step Three: Finalize your Car Insurance Policy
Knowing which company to insure your Avalanche with is more than just choosing the lowest rate. You also need to be ready to put a down payment on your policy and make sure you have all the proper coverages in place.
An important thing to keep in mind when buying a new policy is you want the effective date of the new policy to be the exact same as the date you are cancelling your old policy.
If you don't currently have a car insurance policy, make sure you have coverage in force before driving your Chevrolet off the lot. But if you already have a policy, you will have coverage extended to your new car from your existing policy. Your existing car insurance policy will give you some coverage if you buy a new or used Avalanche, but unless you are already paying for full coverage, you won't have it until you add the vehicle to your policy.
Once you finish buying your new policy, you will need to print out the proof-of-insurance card that is provided by your new company. This card is proof that you meet the state's minimum liability limits and is required to be kept in your vehicle. Depending on your state's statutes, you may be required to file an SR-22 form if you've been convicted of an uninsured accident, DUI or license suspension. Make sure your new company is aware of this requirement and files it promptly.
More Educational Resources
To do more research on car insurance, visit the Insurance Information Institute website.
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