Consumers have options when looking for the best price on Chevy Avalanche insurance. You can either spend your time struggling with agents getting price quotes or leverage the internet to find the lowest rates. There is a right way and a wrong way to compare auto insurance rates so you’re going to learn the best way to compare rates for your Chevy and get the lowest possible price.
Smart consumers take time to compare rates every six months because rates are variable and change quite frequently. If you had the lowest price on Avalanche coverage a few years ago there may be better deals available now. Starting now, block out anything you think you know about auto insurance because you’re going to get a crash course in the tricks you need to know to remove unneeded coverages and save money.
Cut your auto insurance rates with discounts
Car insurance companies do not list every discount very clearly, so the following is a list of some of the more common and the harder-to-find discounts you could be receiving.
- 55 and Retired – Older drivers may qualify for reduced rates on Avalanche coverage.
- Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
- Safety Course Discount – Successfully completing a course in driver safety could save 5% or more if you qualify.
- Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more on Avalanche coverage than their less cautious counterparts.
- Organization Discounts – Being a member of a professional or civic organization is a good way to get lower rates on auto insurance on Avalanche coverage.
It’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to individual premiums such as liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, companies don’t profit that way.
Quote online but work with a neighborhood agent
Some consumers would rather talk to a local agent and that is a personal choice. One of the great benefits of comparing rates online is the fact that you can find better rates but also keep your business local.
To help locate an agent, after submitting this simple form, the quote information is immediately sent to insurance agents who will battle for your insurance coverage. You won’t need to visit any agencies due to the fact that quote results will go to your email. How cool is that?! It’s the lowest rates and an insurance agent to talk to.
Selecting an insurer should depend on more than just a low price. Some important questions to ask are:
- Does the agent have professional designations like CIC, CPCU or AIC?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- If they are an independent agency, which companies do they recommend?
- How often do they review policy coverages?
- Is the agent and/or agency licensed to do business in your state?
Insurance agent types
If you’re trying to find a reputable insurance agent or broker, you need to know there are two types of agencies that you can select. Insurance agencies are either captive or independent.
Agency Captives
Captive insurance agents can only write with one company and examples are Allstate, State Farm and Farmers Insurance. They usually cannot place coverage with different providers so keep that in mind. These agents receive extensive training in insurance sales which can be an advantage. Consumers often buy from captive agents mainly due to the brand legacy and the convenience of having a single billing for all their coverages.
Independent Agencies or Brokers
Independent agents do not work for one specific company but instead can place your coverage with multiple insurance companies enabling the ability to shop coverage around. If you are not satisfied with one company, an independent agent can move your coverage and that require little work on your part. When shopping rates, it’s recommended you include several independent insurance agents to have the most options to choose from. They also have the ability to place coverage with lesser-known insurance companies which can save you money.
To view a complete directory of insurance agents, click here.
After receiving good answers to your questions and locked in a price quote, most likely you have located an insurance agent that will insure your vehicles.
Don’t listen to company ads
Auto insurance providers like GEICO, State Farm and Progressive regularly use ads on television and other media. They all have a common claim that you can save if you move to them. But how can every company claim to save you money? It’s all in the numbers.
All companies have a certain “appetite” for the right customer they prefer to insure. A good example of a desirable insured could be between 30 and 50, has no driving citations, and has great credit. Any driver who matches those parameters will qualify for the lowest rates and as a result will probably save a lot of money.
Potential customers who don’t measure up to the “perfect” profile will be charged a higher premium and ends up with the customer not buying. The ads state “drivers who switch” but not “drivers who get quotes” save that much. This is how companies can truthfully advertise the way they do. That is why it is so important to get as many quotes as possible. It’s just too difficult to predict which insurance companies will provide you with the cheapest rates.
What is YOUR best insurance company?
Throughout this article, we presented quite a bit of information on how to save on Chevy Avalanche insurance. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the lowest premiums are with some of the smallest insurance companies.
Consumers leave their current company for many reasons like an unsatisfactory settlement offer, high prices, denial of a claim or delays in responding to claim requests. It doesn’t matter what your reason, finding a new company is pretty easy and you might even save some money in the process.
As you shop your coverage around, don’t be tempted to buy lower coverage limits just to save a few bucks. In too many instances, an insured cut uninsured motorist or liability limits only to regret they didn’t purchase enough coverage. The ultimate goal is to buy the best coverage you can find at the best price, not the least amount of coverage.
