Cheap 2004 Chevrolet TrailBlazer Insurance Rates

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.

Verify you’re receiving every discount

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.

• Sign Early and Save – Select companies give a discount for buying a policy early. It could save around 10% when you buy insurance online.
• Passenger Safety Discount – Options like air bags or automatic seat belts can receive discounts as much as 30%.
• No Claims – Drivers who don’t have accidents can save substantially as compared to drivers who are more careless.
• Low Miles Discount – Low mileage vehicles could be rewarded with cheaper premium rates.
• Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on TrailBlazer coverage than drivers with accident claims.
• Government Employee Discount – Having worked for a branch of the government could qualify for a slight premium decrease on TrailBlazer coverage depending on your insurance coverage provider.

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:

• State Farm has savings for Steer Clear safe driver discount, good driver, good student, driver’s education, and student away at school.
• Farmers Insurance may have discounts that include teen driver, pay in full, early shopping, alternative fuel, and electronic funds transfer.
• Geico may include discounts for air bags, military active duty, daytime running lights, multi-policy, multi-vehicle, and federal employee.
• American Family has discounts for mySafetyValet, air bags, early bird, good driver, and multi-vehicle.
• Nationwide offers discounts for accident-free, business or organization, anti-theft, multi-policy, defensive driving, and good student.
• Progressive includes discounts for continuous coverage, online quote discount, multi-policy, multi-vehicle, and homeowner.

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.

Learn how to lower your insurance prices

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.

• If you don’t need it don’t buy it – Policies have extra add-on coverages that you can get tricked into buying but may not be useful. Insurance for things like personal injury protection, better glass coverage, and extra life insurance coverage may be wasting your money. You may think they are a good idea when you first buy your policy, but your needs may have changed so eliminate them to save money.
• Keep prices low by being claim-free – If you file a lot of claims you can expect increased rates or even have your policy non-renewed. Car insurance companies give the best rates to drivers who do not rely on their insurance for small claims. Your car insurance is designed for claims that you cannot pay yourself.
• Save money with high credit – A driver’s credit score factor in determining what you pay. So if your credit history can use some improvement, you may save money insuring your 2004 Chevrolet TrailBlazer by improving your credit score. Insureds with good credit tend to file fewer claims than drivers who have bad credit.
• Save money by having multiple policies – Most insurance companies afford a discount to people who buy several policies from them, otherwise known as a multi-policy discount. If you currently are using one company, you may still want to get quotes from other companies to help ensure you have the lowest rates.There is a chance you can save more without the discount by splitting coverages up.
• Rates are affected by your address – Residing in areas with lower population has it’s advantages if you are looking for the lowest rates. Lower population means a lower chance of having an accident in addition to lower liability claims People in densly populated areas have to deal with more traffic problems and longer commutes to work. Spending more time driving means more chances of being involved in an auto accident.
• Which gender costs less? – Over time, data shows that females take fewer risks when driving. Now that doesn’t mean males are worse at driving than females. Males and females get in fender benders at about the same rate, but the men get into accidents with more damage. Men also tend to get more serious tickets like DUI and reckless driving. Teenage male drivers are the most expensive to insure so it costs more to insure them.
• Insurance rates and age – Young drivers are statistically proven to be less responsible when driving and because of this, their insurance rates are much higher. If you’ve ever had to add a first-time driver onto a policy can increase premiums substantially. Older, more experienced drivers are more cautious drivers, file fewer claims and tend to be get fewer driving tickets.

When should I discuss my situation with an agent?

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.

• Do I need to file an SR-22 for a DUI in my state?
• Are rock chip repairs covered?
• How much underlying liability do I need for an umbrella policy?
• Do I have newly-aquired coverage?
• Should I buy additional glass protection?
• Am I covered if I hit a deer?

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.

Don’t listen to company ads

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.

Auto insurance coverages 101

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.

In conclusion

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:

• Drunk Driving Statistics (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)
• Help Your Teen Be a Better Driver (State Farm)
• Car Insurance: When not to Skimp (BankRate.com)