2006 Chevrolet TrailBlazer EXT Insurance Quotes

Looking for lower insurance coverage rates for your Chevrolet TrailBlazer EXT? Are you confused by the wide range of insurance coverage sources available to you? There are such a vast assortment of sources available that it can easily turn into a real hassle to locate the lowest insurance coverage rates.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. Locating the best car insurance is easy if you know what you’re doing. Nevertheless, vehicle owners need to learn how companies sell online and apply this information to your search.

Lower rates by qualifying for discounts

Some insurers don’t always list every policy discount in a way that’s easy to find, so the list below details a few of the more well known in addition to some of the lesser obvious discounts that may be available.

• Include Life Insurance and Save – Some car insurance companies give better car insurancerates if you take out some life insurance too.
• Homeowners Pay Less – Just being a homeowner can get you a discount since owning and maintaining a home requires personal responsibility.
• Memberships – Affiliation with a civic or occupational organization is a good way to get lower rates on your next car insurance statement.
• Fewer Miles Equal More Savings – Low annual miles could be rewarded with slightly better prices than normal.
• Discounts for Multiple Vehicles – Buying insurance for more than one vehicle on one policy can get a discount on all vehicles.
• Accident Free – Insureds with no claims or accidents get the best car insurance rates as compared to drivers with a long claim history.
• Sign Early and Save – A few companies offer discounts for switching companies prior to the expiration date on your current policy. It can save you around 10%.
• Air Bags and Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of 25 to 30%.
• Anti-lock Brakes – Vehicles with ABS and/or traction control can avoid accidents and will save you 10% or more.

You can save money using discounts, but some of the credits will not apply to all coverage premiums. Most only cut the cost of specific coverages such as comp or med pay. Just because you may think all the discounts add up to a free policy, that’s just not realistic.

A few popular companies and a selection of discounts are shown below.

• Progressive has discounts for good student, continuous coverage, online signing, multi-vehicle, and multi-policy.
• The Hartford includes discounts for good student, vehicle fuel type, air bag, defensive driver, bundle, anti-theft, and driver training.
• Mercury Insurance may have discounts that include annual mileage, type of vehicle, ease of repair, good student, professional/association, low natural disaster claims, and good driver.
• Geico offers premium reductions for anti-theft, good student, five-year accident-free, defensive driver, and air bags.
• AAA offers discounts including pay-in-full, good driver, education and occupation, multi-policy, multi-car, and good student.
• State Farm may include discounts for student away at school, Drive Safe & Save, anti-theft, good student, accident-free, driver’s education, and good driver.

When getting free insurance quotes, it’s a good idea to all companies you are considering which discounts you qualify for. Savings might not apply in your area.

Informed consumers know how to find insurance for less

Many factors are used when premium rates are determined. Most are fairly basic like your driving record, but some are less obvious like your continuous coverage or your vehicle rating.It’s important that you understand the factors that go into determining the rates you pay for insurance. When you understand what impacts premium levels, this enables you to make decisions that can help you get cheaper rates.

• Reduce prices by driving safer vehicles – Cars with high safety ratings can get you lower premiums. Vehicles engineered for safety result in less severe injuries and reduced instances of injuries means less money paid by your insurance company which can result in lower premiums. If your Chevy scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
• How much liability coverage – Liability coverage will provide protection in the event that you are found liable for causing damage or personal injury in an accident. It will provide legal defense coverage which can cost a lot. Liability insurance is pretty cheap as compared to coverage for physical damage, so buy as much as you can afford.
• Occupation stress can affect premiums – Occupations such as lawyers, executives and medical professionals generally have higher rates than average in part from stressful work requirements and extremely grueling work hours. Conversely, careers such as professors, athletes and homemakers have the lowest average rates on TrailBlazer EXT coverage.
• Higher comp and collision deductibles reduce rates – Protection for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your Chevy. Examples of some claims that would be covered are a broken windshield, flood damage, and damage caused by flying debris. Deductibles for physical damage state the amount of money the insured will be required to pay before a claim is paid by your company. The more expense you’re willing to pay, the bigger discount you will receive on TrailBlazer EXT coverage.
• Insurance rates for married couples – Getting married helps lower the price on your policy. Having a significant other may mean you are more mature and it’s statistically proven that being married results in fewer claims.
• Rate your vehicle for proper use – The more you drive each year the higher your rates will be. A lot of insurance companies charge rates based upon how much you drive. Cars that are left in the garage cost less to insure compared to those used for work or business. An improperly rated TrailBlazer EXT is throwing money out the window. Make sure your insurance declarations sheet is rated on the correct usage, because improper ratings can cost you money.
• City traffic equals higher premiums – Having an address in less populated areas of the country has it’s advantages if you are looking for the lowest rates. Fewer drivers on the road means fewer accidents. City drivers tend to have traffic congestion and much longer commute distances. Longer commute distances means more chances of being involved in an auto accident.
• Don’t cancel your insurance policy without a new one in place – Letting your insurance expire will be a guaranteed way to bump up your insurance costs. Not only will you pay higher rates, failure to provide proof of insurance can result in fines or a revoked license.

Insurance is unique, just like you

When buying coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different.

For instance, these questions could help you determine whether your personal situation could use an agent’s help.

• Should I carry comprehensive and collision coverage?
• Do I have coverage when pulling a U-Haul trailer?
• Is my 2006 Chevy TrailBlazer EXT covered for flood damage?
• Am I covered when driving someone else’s vehicle?
• Do I have coverage if my license is suspended?
• Am I covered if I wreck a rental car?
• Do I need rental car coverage?
• Should I have a commercial auto policy?
• How do I file an SR-22 for a DUI in my state?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Save $472 a year! What?

Car insurance providers like 21st Century, Allstate and State Farm seem to constantly run television, radio, and online ads. They all seem to make the same claim that people will save just by moving to their company. How is it plausible that every one can save you money? It’s all in the wording.

Insurance providers are able to cherry pick for the type of customer that will generate a profit. For example, a profitable customer may be a married female, has a clear driving record, and has a high credit rating. Any new insured who fits those characteristics will most likely get cheap premium rates as well as cut their rates substantially.

People who don’t meet these standards will get a higher premium which leads to business going elsewhere. The trick is to say “drivers who switch” not “all people who quote” save that much money. That’s why companies can lure you into getting a quote. Different companies use different criteria so you really should get a wide range of price quotes. It’s just not possible to know with any certainty which company will have the best auto insurance rates.

Car insurance 101

Understanding the coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Insurance for medical payments

Med pay and PIP coverage kick in for expenses for things like hospital visits, doctor visits and X-ray expenses. They are used to fill the gap from your health insurance program or if you do not have health coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Auto liability

This can cover damage or injury you incur to people or other property in an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims such as emergency aid, pain and suffering, legal defense fees, structural damage and attorney fees. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hail damage, damage from a tornado or hurricane, fire damage and falling objects. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Collision coverage protection

Collision insurance pays for damage to your TrailBlazer EXT from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like scraping a guard rail, sustaining damage from a pot hole, hitting a parking meter, colliding with a tree and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Don’t be a big spender

When searching for affordable insurance quotes, don’t be tempted to buy less coverage just to save a little money. In many instances, consumers will sacrifice liability coverage limits and learned later that it was a big mistake. The aim is to buy enough coverage at the best possible price, but do not sacrifice coverage to save money.

Consumers who switch companies do it for a variety of reasons including poor customer service, an unsatisfactory settlement offer, lack of trust in their agent and even high rates after DUI convictions. It doesn’t matter what your reason, choosing a new company can be pretty painless.

Cost effective 2006 Chevy TrailBlazer EXT insurance is available online as well as from insurance agents, and you should compare price quotes from both to have the best rate selection. A few companies do not offer online quoting and these small, regional companies work with local independent agencies.

To read more, link through to the resources below:

• Things to Know Before you Cancel Insurance (Allstate)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• How to Avoid Staged Accidents (State Farm)
• Electronic Stability Control FAQ (iihs.org)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)