Save on 2009 Chevrolet TrailBlazer Insurance Quotes

Are you regretting the purchase of high-priced car insurance? Trust us, many drivers have buyer’s remorse.

Companies like Geico, Progressive and Allstate continually bombard you with ads and it can be hard to ignore the propoganda and find the best price available.

It’s a great practice to price shop coverage quite often because car insurance prices are rarely the same from one policy term to another. If you had the lowest rates on TrailBlazer coverage a couple years back the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about car insurance because it’s time to teach you the proper way to save on car insurance.

Compare insurance coverage quotes online

The are a couple different ways to get quotes from lots of insurance coverage companies. By far the easiest way to compare 2009 Chevy TrailBlazer insurance prices consists of shopping online. This can be accomplished in several different ways.

1. The fastest way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This form keeps you from doing boring form submissions for every insurance coverage company. One quote request compares rates from many national carriers.
2. A slightly less efficient method to find lower rates requires you to visit the website for each individual company and fill out their own quote form. For examples sake, let’s assume you are doing a rate comparison from Geico, Farmers and State Farm. In order to compare rates, you need to spend time on each company’s site and enter your information, which can get old fast. To view a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just be sure to compare apples-to-apples coverages on every price quote you get. If you have unequal deductibles or liability limits it will be impossible to find the best deal for your Chevy TrailBlazer. Just a small difference in coverages could mean much higher rates. And when quoting insurance coverage, remember that getting more free quotes will enable you to find the best offered rates. Some insurance companies are not set up to provide rate quotes online, so it’s necessary to compare price quotes on coverage from those companies, too.

Car insurance discounts help lower rates

Auto insurance companies do not advertise their entire list of discounts very clearly, so we researched a few of the more well known as well as some of the hidden credits available to lower your premiums when you buy insurance online. If you’re not getting every credit you deserve, you are just wasting money.

• Government Employee Discount – Employees or retirees of the government can earn a discount up to 10% on TrailBlazer coverage with select insurance companies.
• Theft Deterent Discount – Cars that have factory anti-theft systems are stolen with less frequency and will qualify for a discount on a insurance quote.
• Passenger Safety Discount – Options like air bags and/or automatic seat belt systems can qualify for discounts as much as 30%.
• Onboard Data Collection – Drivers that enable their company to look at when and where they use their vehicle by using a telematic data system like Allstate’s Drivewise could possibly reduce rates as long as the data is positive.
• Life Insurance – If the company offers life insurance, you could get a discount if you purchase life insurance.

A quick disclaimer, some of the credits will not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like all those discounts means the company will pay you, it’s just not the way it works.

A list of companies and a summarized list of policyholder discounts can be read below.

• State Farm discounts include safe vehicle, defensive driving training, good student, Drive Safe & Save, multiple autos, and Steer Clear safe driver discount.
• Geico has savings for driver training, emergency military deployment, air bags, federal employee, good student, anti-lock brakes, and multi-vehicle.
• Allstate includes discounts for resident student, defensive driver, FullPay discount, premier plus, farm vehicle, auto/life discount, and safe driver.
• SAFECO offers discounts including multi-car, homeowner, bundle discounts, safe driver, and accident prevention training.
• Farm Bureau has discounts for renewal discount, driver training, multi-vehicle, 55 and retired, youthful driver, safe driver, and multi-policy.
• Progressive offers discounts for continuous coverage, homeowner, multi-vehicle, good student, and multi-policy.
• AAA may offer discounts for pay-in-full, education and occupation, multi-policy, AAA membership discount, good driver, and good student.

Before buying, ask each company which discounts they offer. Depending on the company, some discounts may not apply to policyholders everywhere.

You can change your insurance rates

Multiple criteria are used in the calculation when premium rates are determined. Some are obvious such as your driving history, but other criteria are more obscure such as your credit history or how safe your car is.

The list below includes some of the factors used by insurance companies to determine your prices.

• Stay claim-free and reduce premiums – If you tend to file frequent claims, you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance companies award the best rates to people who are claim-free. Your car insurance is intended for claims that pose a financial burden.
• GPS tracking and theft deterrents systems cut insurance rates – Choosing to buy a car with advanced anti-theft systems can save you a little every year. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft and help lower rates.
• Experienced drivers pay less – Older drivers are shown to be more cautious, are lower risk to insure .Teenage drivers are statistically proven to be inattentive and easily distracted in a vehicle so they pay higher insurance rates.
• Never let your insurance policy lapse – Not maintaining insurance is against the law and you may have a hard time finding new coverage because you let your coverage lapse. Not only will rates go up, getting caught without coverage will get you a fine, jail time, or a revoked license.
• Additional coverages that may be costing you – There are a lot of additional extra coverages that can waste your money when buying insurance. Coverage for things like roadside assistance, towing, and term life insurance could be just wasting money. These may sound like a good investment when deciding what coverages you need, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
• Multi-policy discounts can save money – Most insurers allow discounts to insureds who carry more than one policy. It’s known as a multi-policy discount. The discount can be as much as ten percent or more Even if you qualify for this discount already, drivers will still want to comparison shop to confirm you are receiving the best rates possible. You may still find lower rates by buying insurance from more than one company.

Which is the best insurance coverage?

When choosing the best insurance coverage coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that For example, these questions may help you determine whether your personal situation might need professional guidance.

• Can my teen driver be rated on a liability-only vehicle?
• What is an SR-22 filing?
• Does my 2009 Chevy TrailBlazer need full coverage?
• Is my teenager covered with friends in the car?
• What is UM/UIM insurance?
• Is pleasure use cheaper than using my 2009 Chevy TrailBlazer to commute?
• When do I need to add a new car to my policy?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Auto insurance coverages

Having a good grasp of your insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages found on the average insurance policy.

Collision – This covers damage to your TrailBlazer caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a mailbox, backing into a parked car, hitting a parking meter and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chevy TrailBlazer.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as EMT expenses, dental work, surgery, ambulance fees and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Coverage for liability – This provides protection from injuries or damage you cause to people or other property. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as structural damage, court costs, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like vandalism, a broken windshield, hitting a bird and damage from flooding. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Power to the consumer

As you go through the steps to switch your coverage, make sure you don’t buy less coverage just to save a little money. There are many occasions where an insured cut liability limits or collision coverage only to regret that the savings was not a smart move. Your objective should be to buy a smart amount of coverage at the lowest possible cost while not skimping on critical coverages.

The cheapest 2009 Chevy TrailBlazer insurance can be bought on the web as well as from insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who may not provide online quoting and these smaller companies prefer to sell through independent agents.

Helpful learning opportunities

• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Think You’re a Safe Driver? (State Farm)
• Determing Auto Insurance Rates (Geico)