Cheap 2002 Chevrolet TrailBlazer Insurance Cost

Want the cheapest car insurance rates for your Chevrolet TrailBlazer? Finding cheaper car insurance can seem to be very difficult for drivers not familiar with online price comparisons. People have so many different companies and agents to choose from that it can turn into a chore to find more affordable prices.

You should make it a habit to do price comparisons periodically because insurance prices are rarely the same from one policy term to another. Just because you found the best price for TrailBlazer insurance a few years ago you can probably find a lower rate today. You can find a lot of wrong information about car insurance online but we’re going to give you a bunch of ideas how to put money back in your pocket.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these methods. The purpose of this article is to instruct you on how to effectively get price quotes and some tips to save money. Nevertheless, vehicle owners must learn how insurance companies price insurance differently because it can help you find the best coverage.

Buy car insurance online

There are a variety of methods to compare car insurance prices but some are more efficient than others. You could spend the better part of a day talking about coverages with insurance agencies in your area, or you can utilize the internet to get rate comparisons in just a few minutes.

Many companies enroll in a system where insurance shoppers send in one quote, and each company returns a competitive quote based on that information. This prevents consumers from doing quote forms for every car insurance company.

To compare rates now click here to start a free quote.

The one downside to using this type of form is you don’t know exactly which companies you will receive quotes from. So if you want to select specific insurance companies to compare prices, we have a page of the cheapest car insurance companies in your area. Click to view list.

Whichever way you use, be certain you are entering exactly the same coverage limits with every price quote. If you enter unequal deductibles or liability limits you can’t possibly get a fair rate comparison. Slightly different insurance coverages or limits may result in large price differences. Just remember that comparing a large number of companies helps you find the best price.

What insurance coverages do I need?

When it comes to choosing adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different.

These are some specific questions can help discover if your situation may require specific advice.

• Does my 2002 Chevy TrailBlazer need full coverage?
• Are my friends covered when driving my 2002 Chevy TrailBlazer?
• What is the ISO rating for a 2002 Chevy TrailBlazer?
• How much can I save by bundling my policies?
• Can I pay claims out-of-pocket if I buy high deductibles?
• What happens if I owe more than my 2002 Chevy TrailBlazer is worth?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form.

Learn about auto insurance coverages for a Chevy TrailBlazer

Understanding the coverages of your auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy TrailBlazer.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually these limits are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for immediate expenses like pain medications, rehabilitation expenses and ambulance fees. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability insurance can cover injuries or damage you cause to other people or property. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as legal defense fees, funeral expenses and medical expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision insurance

This coverage will pay to fix damage to your TrailBlazer caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like hitting a mailbox, sideswiping another vehicle, backing into a parked car, sustaining damage from a pot hole and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, hitting a bird, damage from getting keyed, vandalism and rock chips in glass. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.