Lower Your 2004 Chevrolet TrailBlazer EXT Insurance Rates

Are you irritated from sacrificing to keep your car insured? You are no different than many other drivers.

Big-name insurance companies like State Farm, Geico and Farmers Insurance all claim big savings with advertising and it is challenging if not impossible to not get sucked in by the cute commercials and do the work needed to find the best deal.

Consumers need to compare prices before your next renewal because prices are usually higher with each renewal. If you had the best deal for TrailBlazer EXT insurance last year you may be paying too much now. You’ll find quite a bit of inaccurate information about auto insurance on the web, but I’m going to show you the easiest ways to lower your auto insurance premiums.

If you currently have a car insurance policy, you will most likely be able to save some money using these techniques. Finding affordable coverage is not rocket science. Nevertheless, vehicle owners can benefit by having an understanding of the way insurance companies market on the web and take advantage of how the system works.

Affordable insurance quotes

The majority of larger companies make it easy to get insurance quotes direct online. Getting prices online can be done by anyone because it’s just a matter of typing in your coverage information as requested by the quote form. Once entered, the company’s rating system automatically retrieves your driving record and credit report and generates a price based on the information you submitted. This makes it easy to compare insurance prices but the time it takes to visit a lot of sites and complete many quote forms is a waste of time. Unfortunately, it is important to get many rate quotes in order to find the lowest insurance rates.

A better way to get multiple rate quotes makes use of a single form to return rates from several different companies. It’s a real time-saver, requires much less work on your part, and makes online shopping much easier to do. As soon as the form is sent, it is quoted with multiple companies and you can pick any one of the resulting price quotes.

If a lower price is quoted, you can simply submit the application and purchase coverage. This process takes 15 minutes at the most and you will find out if you’re overpaying now.

If you want to get comparison pricing now, click here to open in a new tab and begin entering your coverage information. To compare your current rates, we recommend you enter your coverages as shown on your current policy. This guarantees you will have a fair comparison using the same coverage and limits.

Take advantage of these rate-reducing discounts

Insurance can be prohibitively expensive, but you may find discounts to help offset the cost. Certain reductions will be credited when you complete an application, but a few must be manually applied before you get the savings. If you do not check that you are getting every discount you deserve, you could be getting lower rates.

• New Vehicle Savings – Buying auto insurance coverage on a new vehicle can save you some money compared to insuring an older model.
• Drive Less and Save – Driving less could earn cheaper prices.
• Accident Free – Insureds who avoid accidents and claims get the best auto insurance rates in comparison with frequent claim filers.
• ABS Braking Discount – Cars and trucks with anti-lock braking systems prevent accidents and will save you 10% or more.
• Driver Safety – Participating in a course that instructs on driving safety could possibly earn you a 5% discount and also improve your driving technique.
• College Student – living away from home attending college and do not take a car to college may be able to be covered for less.

As a disclaimer on discounts, many deductions do not apply the the whole policy. Most only cut individual premiums such as liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Some companies that have these discounts are:

• State Farm
• Geico
• SAFECO
• Farmers Insurance
• AAA
• USAA

If you need lower rates, check with all companies you are considering which discounts you qualify for. Depending on the company, some discounts might not be available to policyholders in your area. To locate insurers that offer some of these discounts, click here to view.

Do I need special coverages?

When it comes to buying proper insurance coverage for your vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions may help you determine whether or not you might need an agent’s assistance.

• Do I need medical payments coverage since I have good health insurance?
• When should I buy a commercial auto policy?
• Is extra glass coverage worth it?
• Is pleasure use cheaper than using my 2004 Chevy TrailBlazer EXT to commute?
• Why am I required to buy high-risk coverage?
• Am I covered if I crash into my own garage door?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area.

Specific coverage details

Understanding the coverages of insurance helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on most insurance policies.

Comprehensive coverage – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, damage from getting keyed, falling objects and theft. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Chevy TrailBlazer EXT.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Most of the time the UM/UIM limits are set the same as your liablity limits.

Collision coverages – This coverage will pay to fix damage to your TrailBlazer EXT resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as colliding with another moving vehicle, colliding with a tree, driving through your garage door, hitting a mailbox and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Coverage for liability – Liability insurance will cover damages or injuries you inflict on a person or their property in an accident. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Occasionally you may see a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as repair costs for stationary objects, court costs, medical services and funeral expenses. How much coverage you buy is your choice, but you should buy as much as you can afford.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as chiropractic care, EMT expenses, pain medications and nursing services. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay