When searching for lower-cost insurance, do you get confused by the sheer number of auto insurance choices available to you? You’re not alone. You have so many options that it is more work than you anticipated to find the perfect company for you.
Comparing insurance coverage rates can be exhausting if you aren’t aware of the best way to get rate quotes. You can waste a lot of time talking to local insurance agents in your area, or you can utilize the internet to maximize your effort.
Most of the best insurance companies belong to an insurance system where insurance shoppers enter their policy data once, and at least one company then gives them pricing based on the submitted data. This saves time by eliminating quote requests for each company you want a rate for. To enter your information into the quoting system, click here to start a free quote.
The single downside to using this type of system is that consumers can’t choose the insurers you will receive quotes from. If you would rather choose individual companies to compare, we have a listing of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.
The method you choose is up to you, but be sure to compare exactly the same quote data on every price quote you get. If your comparisons have different deductibles you will not be able to make a fair comparison for your Chevy TrailBlazer. Just slight variations in coverage limits could skew the results. And when comparing insurance coverage rates, know that quoting more will improve the odds of getting the best offered rates.
Some insurers don’t necessarily list every disount available in a way that’s easy to find, so the below list has some of the best known and also the lesser-known ways to save on insurance coverage.
A little note about advertised discounts, some credits don’t apply to all coverage premiums. A few only apply to specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, companies don’t profit that way.
Some companies that possibly offer some of the discounts shown above may include but are not limited to:
When getting a coverage quote, ask each company or agent which discounts you qualify for. Some of the discounts discussed earlier might not be available to policyholders in your area.
When buying the best auto insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.
These are some specific questions could help you determine whether you may require specific advice.
If it’s difficult to answer those questions then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form.
Understanding the coverages of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.
Comprehensive coverages – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as a broken windshield, rock chips in glass, fire damage, falling objects and hitting a deer. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Coverage for liability – Liability insurance protects you from damage that occurs to other people or property. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.
Liability coverage protects against claims like funeral expenses, bail bonds, repair bills for other people’s vehicles, repair costs for stationary objects and attorney fees. 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.
Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as doctor visits, prosthetic devices, nursing services and ambulance fees. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
Uninsured and underinsured coverage – Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as damage to your Chevy TrailBlazer.
Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.
Collision coverages – This coverage covers damage to your TrailBlazer caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things like colliding with a tree, sustaining damage from a pot hole, damaging your car on a curb, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.
People leave their current company for many reasons like poor customer service, delays in paying claims, policy cancellation and even questionable increases in premium. It doesn’t matter what your reason, switching companies is easier than you think.
As you go through the steps to switch your coverage, don’t be tempted to reduce coverage to reduce premium. There are many occasions where an insured cut comprehensive coverage or liability limits only to find out that it was a big mistake. Your aim should be to buy enough coverage at a price you can afford, but don’t skip important coverages to save money.
The cheapest 2002 Chevy TrailBlazer insurance is definitely available online as well as from independent agents, so you should be comparing quotes from both to have the best selection. Some insurance companies do not provide online price quotes and usually these regional insurance providers only sell coverage through independent agents.