Sick and tired of scraping the payment together to make your auto insurance payment? You are no different than many other consumers. Because there are so many options, it is very difficult to find a more affordable company.
It’s a good habit to do price comparisons every six months since prices are rarely the same from one policy term to another. Just because you had the lowest rates on TrailBlazer coverage on your last policy other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because you’re about to learn the tricks you need to know to find great coverage at a great price.
Insurance coverage can be pricey, but you may be missing some discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically at the time of purchase, but a few must be specially asked for before they will apply.
Discounts save money, but please remember that most discounts do not apply to all coverage premiums. Some only apply to specific coverage prices like liability and collision coverage. If you do the math and it seems like you could get a free insurance coverage policy, insurance coverage companies aren’t that generous.
Popular insurance coverage companies and some of their more popular discounts are:
When getting a coverage quote, ask every insurance company which discounts you qualify for. Savings might not apply in your state. If you would like to choose from a list of insurers that offer many of these discounts, click this link.
The easiest way to compare policy rates utilizes the fact car insurance companies participate in online systems to provide you with a free rate quote. All you need to do is give them rating details like your occupation, deductibles desired, whether your vehicle is owned or leased, and if it has an alarm system. That rating data is instantly sent to many highly-rated insurers and they provide comparison quotes within a short period of time.
It’s important that you understand some of the things that play a part in calculating the rates you pay for insurance. When you understand what determines premiums, this enables you to make decisions that may reward you with better insurance rates. Many factors are part of the calculation when you quote your car insurance policy. Some are obvious like your driving record, but other criteria are more transparent such as your credit history or your commute time.
When buying the best car insurance coverage for your vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions may help highlight whether you may require specific advice.
If you’re not sure about those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.
Consumers can’t avoid all the ads for cheaper insurance by companies like State Farm, Geico and Progressive. They all have a common claim about how much you will save if you move your policy.
How is it possible that every company can offer you a better deal?
Most companies have specific criteria for the right customer that earns them the most money. An example of a desirable risk might have to be a female over age 40, has no prior claims, and chooses high deductibles. A propective insured who matches that profile will most likely get cheap rates and most likely will save when switching.
Drivers who don’t meet these standards will probably have to pay higher premiums with the end result being the customer buying from someone else. The ad wording is “drivers that switch” not “everyone who quotes” can save as much as they claim. That’s the way companies can truthfully make claims that they all have the best rates.
Because of this risk profiling, drivers must compare free insurance quotes often. It is impossible to guess which insurance company will provide you with the cheapest prices.
Understanding the coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Shown next are the usual coverages available from auto insurance companies.
Uninsured/Underinsured Motorist coverage
Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Chevy TrailBlazer.
Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time these coverages do not exceed the liability coverage limits.
Collision insurance
Collision insurance covers damage to your TrailBlazer resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for claims such as crashing into a ditch, crashing into a building, damaging your car on a curb and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also increase the deductible to save money on collision insurance.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance kick in for immediate expenses like dental work, ambulance fees and rehabilitation expenses. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay
Comprehensive coverage
Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive can pay for things such as damage from flooding, damage from getting keyed, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Auto liability insurance
Liability coverage protects you from damage or injury you incur to a person or their property in an accident. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability coverage protects against claims like repair costs for stationary objects, legal defense fees, court costs, structural damage and pain and suffering. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.
As you shop your coverage around, don’t be tempted to sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced uninsured motorist or liability limits to discover at claim time that it was a big mistake. Your goal is to find the BEST coverage at the best price while not skimping on critical coverages.
We’ve covered a lot of information how to lower your 2004 Chevy TrailBlazer insurance prices. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. Drivers may discover the most savings is with the least-expected company. They often have lower rates on specific markets than their larger competitors like Geico and State Farm.
Much more information about insurance is located at these links:
Ilda Ballard
I got a good deal I think. Live in Paterson, NJ. Received quotes with AIG Insurance, Encompass, and Nationwide for my 2004 Chevrolet TrailBlazer and I think I saved around $20 each month. Left Mercury to switch.
Annabell Berger
From northwest of Billings, MT. Quoted prices online for a 2004 Chevrolet TrailBlazer. Ended up at about $80 savings annually. Went with Progressive. I increased coverages a little too. It’s only liability tho.
Celestine Stout
Proud to be from Bismarck, ND. Got car insurance quotes from State Farm, AIG Insurance, and Erie for my 2004 Chevrolet TrailBlazer and I’m now saving $11 a month. Might find lower rates online. I don’t insure for physical damage though.
Jolyn Cross
Does State Farm offer multi-policy discounts?
Magdalene Harris
If you have a clean record and live in the vicinity of Mesa, Arizona, check out Progressive. They seem to be cheaper. I don’t insure for physical damage though.
Marilynn Barron
Will State Farm raise rates for a rock chip claim?
Anastasia Peck
If you have a good history and live near Pittsburgh, Pennsylvania, check out Progressive. You might save some money. Left USAA to switch. BTW speeding tickets are not good. :) My Chevrolet doesn’t have full coverage.
Jacinda Jones
Does 21st Century offer new car replacement?
Aurelio Simpson
I found affordable 2004 Chevrolet TrailBlazer insurance from 21st Century in Worcester, MA.
Joycelyn Stevens
I live in Columbia, South Carolina. Can’t remember who all I quoted but I ended up saving about $10 each month. Was with AIG Insurance. It never hurts to quote around.