How Much Does 2007 Chevrolet TrailBlazer Insurance Cost?

No normal person looks forward to paying for insurance coverage, especially knowing the price is too high. People have many auto insurance companies to choose from, and even though it’s nice to have multiple companies, more options can take longer to compare rates and cut insurance costs.

You should take the time to get comparison quotes yearly because prices go up and down regularly. Just because you had the best quotes for TrailBlazer coverage on your last policy you can probably find a better rate now. You’ll find a ton of advice on insurance coverage online but in this article, you’re going to get a lot of great tips on how to lower your insurance coverage rates.

Discounts to earn lower-cost insurance rates

Insurance is expensive, but discounts can save money and there are some available that could drop your premiums quite a bit. Certain discounts will be triggered automatically when you purchase, but a few must be asked for in order for you to get them.

• Professional Organizations – Belonging to a professional or civic organization is a simple method to lower premiums when shopping for insurance.
• Claim-Free Discount – Insureds with no claims or accidents can earn big discounts compared to drivers who are more careless.
• Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to wear their seat belts can save a little off the PIP or medical payment premium.
• Federal Government Employee – Simply working for the federal government could qualify for a slight premium decrease for TrailBlazer coverage with some insurance companies.
• Driver’s Ed – It’s a good idea to have your young drivers take driver’s ed class in high school.

Remember that many deductions do not apply to all coverage premiums. Most only cut individual premiums such as collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, companies don’t profit that way.

Companies and a partial list of their discounts are outlined below.

• Progressive may offer discounts for homeowner, online signing, continuous coverage, online quote discount, multi-policy, and good student.
• SAFECO has discounts for bundle discounts, teen safe driver, multi-car, teen safety rewards, and safe driver.
• American Family policyholders can earn discounts including Steer into Savings, bundled insurance, good driver, multi-vehicle, and TimeAway discount.
• MetLife offers discounts including claim-free, good student, good driver, multi-policy, accident-free, and defensive driver.
• Geico may have discounts that include defensive driver, federal employee, driver training, emergency military deployment, and membership and employees.
• The Hartford discounts include defensive driver, anti-theft, vehicle fuel type, air bag, good student, driver training, and bundle.

Before buying, ask each insurance company which discounts you qualify for. Depending on the company, some discounts might not be offered on policies in your area. If you would like to view providers that offer many of these discounts, click here.

Informed consumers know how to quote auto insurance more affordably

Smart consumers have a good feel for some of the factors that play a part in calculating your premiums. When you know what positively or negatively controls the rates you pay, this enables you to make decisions that can earn you lower auto insurance prices. Multiple criteria are used when quoting car insurance. Some are obvious like a motor vehicle report, although some other factors are less apparent such as whether you are married or your vehicle rating.

• How’s your driving record? – Your driving citation history influences premium rates substantially. Good drivers have lower premiums than bad drivers. Even one moving violation could increase your next policy renewal twenty percent or more. Drivers who have received flagrant violations such as DUI or reckless driving may find that they have to to complete a SR-22 with the DMV in their state in order to legally drive a vehicle.
• Improve your credit rating and save – Your credit score is a large factor in determining what you pay for auto insurance. People that have excellent credit tend to file fewer claims and have better driving records as compared to drivers with bad credit. If your credit score can be improved, you may save money insuring your 2007 Chevrolet TrailBlazer by repairing your credit.
• Raising coverage deductibles lowers prices – Insurance for physical damage to your car, also called ‘full coverage’, is used to repair damage to your vehicle. Some coverage claims are a broken windshield, damage caused by hail, and having your car stolen. Deductibles for physical damage state the amount of money you are willing to pay in the event of a claim. The higher the amount the insured has to pay upfront, the less money you will pay for auto insurance for TrailBlazer coverage.
• Discounts for married drivers – Having a wife or husband can get you a discount on your auto insurance bill. Marriage means you’re more responsible and insurance companies reward insureds because drivers who are married file infrequent claims.

Tailor your insurance coverage to you

When buying proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s needs are different so this has to be addressed. These are some specific questions can help discover if your insurance needs would benefit from professional advice.

• Am I covered by my spouse’s policy after a separation?
• Do I need motorclub coverage?
• What vehicles should carry emergency assistance coverage?
• Does my 2007 Chevy TrailBlazer need full coverage?
• Am I covered if I drive in a foreign country?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Does my medical payments coverage pay my health insurance deductible?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Advertising and insurance coverage

Consumers can’t avoid all the ads for the lowest price insurance coverage from the likes of Allstate, Geico and Progressive. All the ads state the claim that people will save if you move your policy.

How is it possible that every company can charge you less for car insurance? Here is the trick they use.

Insurance companies offer their best rates for the type of customer that makes them money. A good example of a desirable insured may be over the age of 40, has had continuous coverage, and has great credit. Someone that matches those criteria will qualify for the lowest rates and will most likely save money with a new company.

Potential customers who are not a match for these criteria will see higher rates with the end result being business going elsewhere. If you pay close attention to the ads, they say “drivers that switch” not “everyone that quotes” can get the lowest rates when switching. That’s why insurance companies can confidently make claims that they all have the best prices. This illustrates why drivers should get auto insurance quotes as often as possible. Because without a comparison, you cannot know which insurance companies will fit you best based on your risk profile.

Specific coverages for a 2007 Chevy TrailBlazer

Knowing the specifics of insurance helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverages found on the average insurance policy.

Collision coverage

This will pay to fix damage to your TrailBlazer from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like crashing into a building, rolling your car, hitting a mailbox, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Liability car insurance

Liability coverage protects you from damages or injuries you inflict on people or other property. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against things like legal defense fees, loss of income and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Chevy TrailBlazer.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive auto coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, hail damage and hitting a deer. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as X-ray expenses, hospital visits, ambulance fees, dental work and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

The bottom line

In this article, we presented many ideas to reduce 2007 Chevy TrailBlazer insurance prices online. It’s most important to understand that the more providers you compare, the better your chances of lowering your rates. You may even find the best price on insurance coverage is with a small local company. Some small companies may often insure only within specific states and give getter rates than their larger competitors like Progressive and Geico.

Affordable 2007 Chevy TrailBlazer insurance can be purchased both online in addition to local insurance agencies, so get free auto insurance quotes from both of them to have the best selection. Some insurance providers may not have rate quotes online and many times these regional carriers only sell coverage through local independent agents.

More information

• How to Avoid Common Accidents (State Farm)
• Auto Insurance Basics (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)
• Collision Insurance Coverage (Nationwide)