Cheap 2004 Chevrolet TrailBlazer EXT Insurance Quotes

Looking for cheaper car insurance rates for your Chevrolet TrailBlazer EXT? If you are a novice to online car insurance shopping, there’s a good chance you are bewildered of online car insurance companies and websites competing for business.

It’s a great practice to quote other rates before your next renewal due to the fact that insurance prices are rarely the same from one policy term to another. Even if you got the lowest rates for TrailBlazer EXT coverage last year you can probably find a lower rate today. Don’t believe everything you read about car insurance out there, but in this article, you’re going to get the easiest ways to put money back in your pocket.

If you currently have car insurance, you will be able to save some money using these tips. Buying more affordable car insurance is quite easy. But vehicle owners must understand how big insurance companies sell online and use this information to your advantage.

Components of your Chevy TrailBlazer EXT insurance prices

One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that go into determining the rates you pay for car insurance. If you have a feel for what controls the rates you pay, this allows you to make good choices that could result in lower premium levels. Multiple criteria are used when quoting car insurance. Some factors are common sense like an MVR report, although some other factors are not as apparent like where you live and annual miles driven.

  • Premiums are affected by your credit history – A driver’s credit score can be a huge factor in determining premium rates. People that have high credit scores tend to be better risks to insure than drivers who have lower credit scores. Therefore, if your credit is not that good, you could pay less to insure your 2004 Chevrolet TrailBlazer EXT if you clean up your credit.
  • Accidents can increase premiums – How you drive can have a huge impact on auto insurance premiums. Having a single moving violation may increase your cost forty percent or more. Attentive drivers get better prices as compared to careless drivers. Drivers who have received careless tickets like DUI, reckless driving or excessive speeding may need to maintain a SR-22 to the state department of motor vehicles in order to continue driving.
  • Bump up physical damage deductibles to lower rates – Coverage for physical damage, aka comp and collision, covers your vehicle from damage. Examples of covered claims would be colliding with a building, collision with an animal, and windstorm damage. Comprehensive and collision coverage deductibles state the amount of money you are required to pay if the claim is covered. The more expense the insured has to pay upfront, the lower your rates will be for TrailBlazer EXT coverage.
  • GPS tracking and theft deterrents reduce premiums – Choosing a vehicle with a theft deterrent system can help lower your rates. Systems that thwart theives like OnStar, LoJack tracking, and tamper alarms all hinder your car from being stolen.
  • Car insurance liability insurance limits – Your car insurance policy’s liability coverage will afford coverage if ever a court rules you are at fault for personal injury or accident damage. Your liability coverage provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to comp and collision, so drivers should carry high limits.
  • Continuous coverage saves money – Not having insurance is against the law and your next policy will cost more because you let your coverage have a gap. In addition to paying higher rates, failure to provide proof of insurance will get you a fine, jail time, or a revoked license.

Get cheap rates with these discounts

Car insurance is not an enjoyable expense, but there could be significant discounts that you may not even know about. Certain credits will be shown when you complete an application, but some may not be applied and must be specifically requested before they will apply.

  • Resident Student – Older children who are enrolled in higher education away from home without a vehicle on campus could qualify for this discount.
  • Student Discounts – Excelling in school can get you a discount of up to 25%. The discount lasts until age 25.
  • Discounts for Responsible Drivers – Drivers without accidents may save up to 50% more for TrailBlazer EXT coverage compared to rates paid by drivers with frequent claims.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% off the medical payments premium.
  • Savings for New Vehicles – Adding a new car to your policy can get you a discount because new model year vehicles have to meet stringent safety requirements.
  • Government Employees – Employees or retirees of the government can earn a discount up to 10% for TrailBlazer EXT coverage but check with your company.
  • Data Collection Discounts – Policyholders that allow driving data submission to monitor their driving habits remotely such as Progressive’s Snapshot might get better premium rates as long as they are good drivers.
  • Active Military Service – Being on active duty in the military could mean lower prices.
  • Discounts for Multiple Vehicles – Buying a policy with multiple cars on one policy can get a discount on all vehicles.

As is typical with insurance, some of the credits will not apply to all coverage premiums. Some only apply to the cost of specific coverages such as comp or med pay. Despite the fact that it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

To see a list of insurers that provide some of the discounts listed above, click here.

Do drivers who switch really save $399 a year?

Companies like Progressive, Allstate and Geico continually stream television and radio advertisements. All the companies have a common claim about how much you will save after switching your policy. How can each company make the same claim? You have to listen carefully.

Insurance companies provide the lowest rates for the type of insured they prefer to insure. An example of a desirable risk should be a female over age 40, has a clean driving record, and does not commute to work. Any person that hits that “sweet spot” receives the best prices and therefore will save a lot of money.

Insureds who do not fit this ideal profile will get more expensive rates with the end result being business going elsewhere. If you listen closely, the ads state “people who switch” not “everyone that quotes” will save that much if they switch. That is how companies can truthfully claim big savings. Because each company has a different risk profile, it is so important to compare price quotes frequently. It’s just not possible to know which company will provide the lowest premium rates.

Car insurance can be complex

When choosing coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover if you would benefit from professional advice.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is business equipment covered while in my vehicle?
  • Will filing a claim cost me more?
  • Are rental cars covered under my policy?
  • Will my insurance pay for OEM parts?
  • When would I need additional glass coverage?
  • Should I get collision insurance on every vehicle?
  • Does insurance cover tools stolen from my truck?
  • What can I do if my company denied a claim?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Car insurance 101

Understanding the coverages of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Auto liability

This can cover injuries or damage you cause to a person or their property. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as repair bills for other people’s vehicles, funeral expenses, medical expenses and loss of income. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other motorists when they 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 EXT.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for immediate expenses for hospital visits, nursing services and doctor visits. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like fire damage, hail damage, vandalism and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision protection

This coverage covers damage to your TrailBlazer EXT resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like rolling your car, colliding with a tree, crashing into a building, sustaining damage from a pot hole and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Final considerations

Budget-friendly insurance can be bought online as well as from insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies may not have online quoting and these smaller companies only sell coverage through independent insurance agencies.

Drivers switch companies for a variety of reasons including an unsatisfactory settlement offer, policy non-renewal, questionable increases in premium and even extreme rates for teen drivers. It doesn’t matter what your reason, switching companies is pretty simple and you could end up saving a buck or two.

When searching for affordable auto insurance quotes, don’t be tempted to reduce coverage to reduce premium. In too many instances, an insured dropped comprehensive coverage or liability limits and learned later that it was a big error on their part. Your goal is to buy a smart amount of coverage for the lowest price, but don’t skip important coverages to save money.

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