2003 Chevrolet TrailBlazer Insurance Quotes – 6 Tips for Best Rates

Searching for cheaper insurance coverage rates for your Chevrolet TrailBlazer? Using the web to shop for car insurance quotes online can be challenging if you are one of the many people who have never used rate quotes online. Don’t let the process intimidate you because finding more affordable prices is actually fairly simple.

The quickest method we recommend to compare insurance rates in your area is to realize car insurance companies participate in online systems to compare rate quotes. To begin a comparison, all you need to do is provide information including if it has an alarm system, if you require a SR-22, how much school you completed, and if you are currently licensed. The rating information is instantly sent to many highly-rated insurers and you will receive price estimates immediately.

To check Chevy TrailBlazer insurance prices now, click here then complete the form.

Car insurance policy discounts

Car insurance companies don’t always publicize all possible discounts very clearly, so the below list has some of the more common and also the more inconspicuous discounts that you may qualify for.

• Homeowners Savings – Just owning your own home can help you save on car insurance due to the fact that maintaining a home means you have a higher level of financial diligence.
• Distant College Student Discount – Youth drivers who are enrolled in higher education away from home and won’t have access to an insured vehicle could qualify for this discount.
• ABS Braking Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
• Federal Employees – Having worked for a branch of the government may qualify for a discount when you quote car insurance for TrailBlazer coverage with certain companies.
• Payment Discounts – By making one initial payment rather than paying monthly you can avoid monthly service charges.
• Discounts for Cautious Drivers – Accident-free drivers could pay up to 40% less for TrailBlazer coverage than drivers with accidents.

Consumers should know that most credits do not apply to the entire cost. Most only reduce individual premiums such as comprehensive or collision. So when it seems like it’s possible to get free car insurance, that’s just not realistic.

A list of companies and some of the discounts can be found below.

• American Family offers premium reductions for good driver, defensive driver, Steer into Savings, accident-free, early bird, multi-vehicle, and TimeAway discount.
• Nationwide includes discounts for accident-free, good student, family plan, anti-theft, and business or organization.
• MetLife offers discounts for claim-free, multi-policy, good student, accident-free, good driver, defensive driver
• 21st Century policyholders can earn discounts including anti-lock brakes, good student, automatic seat belts, teen driver, driver training, defensive driver, and early bird.
• Farmers Insurance has discounts for early shopping, youthful driver, business and professional, mature driver, and teen driver.
• Allstate may have discounts that include FullPay discount, eSmart discount, premier plus, senior citizen, defensive driver, and EZ pay plan discount.

When getting free car insurance quotes, it’s a good idea to each insurance company how many discounts you can get. Discounts might not be available to policyholders everywhere. To see insurers who offer discounts, click here to view.

How do I know if I need professional advice?

When choosing coverage for your vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining if your insurance needs might need an agent’s assistance.

• Should I get collision insurance on every vehicle?
• What is covered by UM/UIM coverage?
• Does my medical payments coverage pay my health insurance deductible?
• How much can I save by bundling my policies?
• Does liability extend to a camper or trailer?
• Should I have combined single limit or split liability limits?
• What is PIP insurance?
• Is rental equipment covered for theft or damage?
• Will my insurance pay for OEM parts?
• Is business property covered if stolen from my car?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form.

Insurance coverages explained

Learning about specific coverages of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Insurance for medical payments

Med pay and PIP coverage kick in for short-term medical expenses for things like EMT expenses, hospital visits and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, damage from a tornado or hurricane, a broken windshield and hitting a bird. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Chevy TrailBlazer.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Auto liability

This coverage can cover damages or injuries you inflict on a person or their property in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like repair bills for other people’s vehicles, emergency aid, attorney fees and funeral expenses. How much coverage you buy is your choice, but buy as much as you can afford.

Collision coverage protection

This coverage will pay to fix damage to your TrailBlazer from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as damaging your car on a curb, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Buy online or local, you save

Insureds who switch companies do it for a number of reasons such as an unsatisfactory settlement offer, lack of trust in their agent, not issuing a premium refund and poor customer service. Regardless of your reason for switching companies, finding a new company can be easier than you think.

While you’re price shopping online, never skimp on coverage in order to save money. There are too many instances where drivers have reduced liability coverage limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy enough coverage at the lowest possible cost, but don’t skip important coverages to save money.

Discount 2003 Chevy TrailBlazer insurance is possible from both online companies and with local insurance agents, so get free car insurance quotes from both of them in order to have the best chance of saving money. Some insurance providers may not offer price quotes online and usually these small insurance companies sell through independent agents.

Additional learning opportunities

• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Think You’re a Safe Driver? (State Farm)
• A Tree Fell on Your Car: Now What? (Allstate)
• What is Covered by GAP Insurance? (Allstate)
• What is a Telematics Device? (Allstate)
• Safety Belts FAQ (iihs.org)