2006 Chevrolet TrailBlazer Insurance Rates – 5 Policy Discounts

Want better car insurance rates? Drivers have many options when trying to find the best price on Chevy TrailBlazer insurance. They can either spend hours struggling with agents to get rate comparisons or utilize the internet to find the lowest rates.

There is a right way and a wrong way to compare car insurance rates and you need to know the best way to get price quotes for your Chevy and obtain the lowest price.

It’s a good habit to get comparison quotes before your policy renews since prices are adjusted regularly by insurance companies. If you had the best deal for TrailBlazer insurance a few years ago there is a good chance you can find better rate quotes now. Forget all the misinformation about car insurance because you’re going to learn how to use the internet to find better rates and still maintain coverage.

Compare free insurance coverage rate quotes

Getting a more affordable price on 2006 Chevy TrailBlazer insurance is a fairly straight forward process. The only requirement is to take the time to compare rate quotes to find. It’s really simple and can be done using one of these methods.

1. The fastest way to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This style of form eliminates the need for repetitive form submissions for each price estimate. Taking the time to complete one form gets prices estimates from several companies. This is by far the quickest method.
2. A more difficult way to get quotes online requires a trip to the website for every company you want to comare and request a quote. For examples sake, we’ll assume you want to compare rates from USAA, State Farm and Liberty Mutual. To get rate quotes you would need to go to every website and repeatedly type in your coverage information, which can take a lot of time. For a list of links to companies insuring cars in your area, click here.
3. Even if you have time, the least recommended way to price shop rates is going to all the different insurance agencies. Shopping for insurance coverage online eliminates the need for an insurance agent unless your situation requires the professional advice that you can only get from talking to an agent. Drivers can comparison shop online but still have the advice of a local agent.

You can use whichever method you prefer to find lower rates, just be sure you’re using nearly identical quote data for each quote you get. If your comparisons have different limits and deductibles on each one you will not be able to determine which rate is truly the best.

Are you getting every discount?

Insurance coverage is neither fun to buy or cheap, but there could be significant discounts that you may not know about. Some discounts will apply when you complete an application, but some may not be applied and must be inquired about before you will receive the discount.

• Anti-lock Brake System – Cars with ABS braking systems or traction control can avoid accidents and will save you 10% or more.
• Early Switch Discount – A few larger companies offer discounts for switching policies before your current policy expires. It can save you around 10%.
• Passive Restraints and Air Bags – Cars that have air bags can get savings of up to 25% or more.
• Good Student – Getting good grades can get you a discount of up to 25%. Most companies allow this discount up until you turn 25.
• New Car Discount – Adding a new car to your policy can get you a discount since new model year vehicles are generally safer.

You should keep in mind that most credits do not apply to the entire policy premium. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

A list of insurance coverage companies and some of their more popular discounts are shown below.

• Progressive includes discounts for continuous coverage, good student, online signing, online quote discount, multi-policy, and multi-vehicle.
• SAFECO has discounts for homeowner, drive less, teen safe driver, multi-car, teen safety rewards, accident prevention training, and bundle discounts.
• American Family has savings for multi-vehicle, mySafetyValet, early bird, TimeAway discount, defensive driver, accident-free, and bundled insurance.
• MetLife offers premium reductions for multi-policy, good student, defensive driver, accident-free, good driver, and claim-free.
• Geico may have discounts that include seat belt use, five-year accident-free, daytime running lights, military active duty, good student, defensive driver, and multi-policy.
• The Hartford may include discounts for air bag, vehicle fuel type, anti-theft, driver training, defensive driver, and bundle.

It’s a good idea to ask every insurance company how you can save money. Some discounts listed above may not be available in your area. To choose insurance companies who offer free insurance coverage quotes, follow this link.

When in doubt talk to an agent

When it comes to buying the best insurance coverage coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique.

These are some specific questions might help in determining whether you might need an agent’s assistance.

• Is rental equipment covered for theft or damage?
• When can my company non-renew my policy?
• Am I covered if I hit my neighbor’s mailbox?
• Does coverage extend to a rental car in a foreign country?
• Are rock chip repairs covered?
• What can I do if my company won’t pay a claim?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Car insurance coverages for a Chevy TrailBlazer

Learning about specific coverages of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring.

Collision – This pays for damage to your TrailBlazer from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like crashing into a building, colliding with a tree, damaging your car on a curb, scraping a guard rail and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage – This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your Chevy TrailBlazer.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Liability insurance – This coverage protects you from injuries or damage you cause to a person or their property. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability can pay for things like medical services, emergency aid, pain and suffering, repair bills for other people’s vehicles and medical expenses. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for expenses for things like hospital visits, doctor visits and pain medications. The coverages can be utilized in addition to your health insurance policy 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 not universally available and gives slightly broader coverage than med pay

Comprehensive coverage – This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from flooding, fire damage, falling objects and a broken windshield. The most your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Stretch your dollar

As you prepare to switch companies, you should never skimp on coverage in order to save money. There are a lot of situations where someone dropped full coverage and found out when filing a claim they didn’t have enough coverage. Your aim should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

Insureds switch companies for a variety of reasons including an unsatisfactory settlement offer, denial of a claim, not issuing a premium refund and even high rates after DUI convictions. Whatever your reason, choosing a new company can be pretty painless.

Lower-priced insurance coverage is definitely available both online as well as from independent agents, and you need to price shop both in order to have the best chance of saving money. Some insurance coverage companies may not have the ability to get a quote online and usually these small, regional companies only sell coverage through independent agents.

Additional detailed information can be read in these articles:

• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)
• Rental Car Insurance Tips (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)
• Auto Insurance Learning Center (State Farm)
• Prepare your Teens for Safe Driving (InsureUonline.org)