Cheaper 2006 Chevrolet TrailBlazer Insurance Rates

Trying to come up with a payment for pricey car insurance can overdraw your accounts and force you to cut corners elsewhere. Comparing price quotes is free and is an excellent way to slash your bill and have more diposable income.

Big companies like Geico, Progressive and Allstate persitently shower you with ad campaigns and consumers find it hard to ignore the promise of big savings and do the work needed to find the best deal.

It’s a good habit to take a look at other company’s rates as often as possible because car insurance prices change quite often. Even if you got the best price on TrailBlazer coverage at your last renewal there may be better deals available now. Forget all the misinformation about car insurance because you’re about to find out the tricks you need to know to properly buy coverages while reducing your premium.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these tips. Finding affordable coverage is easy if you know what you’re doing. Although vehicle owners do need to understand how companies market insurance on the web.

Buy auto insurance online

To find more affordable rates, there are a couple of ways to get quotes from many available auto insurance companies in your state. The best way to compare 2006 Chevy TrailBlazer insurance prices is to jump online and get quotes. This is very easy and can be done in a couple minutes as outlined below.

  1. The fastest way to find low rates is a comparison rater form click to view form in new window. This easy form saves time by eliminating multiple quote forms for each company. Completing one form gets coverage cost estimates from auto insurance companies with the best prices.
  2. A more time consuming way to analyze rates consists of visiting each company website to request a price quote. For example, let’s assume you want to compare Allstate, Esurance and Liberty Mutual. You would need to go to every website to enter the same coverage data repeatedly, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.
  3. The last method of comparing rate quotes is actually driving to and from local insurance agencies. The ability to quote online reduces the need to sit down with an agent unless you want the trained guidance that can only be provided by a licensed insurance agent. Although you can get prices online but buy from a local insurance agent.

You can use whichever method you prefer to find lower rates, just compare exactly the same coverage information on every quote. If the quotes have different data then you won’t be able to get a fair rate comparison. Having just a slight variation in coverages can result in a big premium difference. Keep in mind that comparing more rates from different companies will increase your chances of finding lower pricing. Some insurance companies are not set up to provide prices over the internet, so it’s recommended that you also compare price quotes from those companies as well.

Use discounts to get cheaper auto insurance quotes

The price of auto insurance can be rather high, but you may find discounts that you may not even be aware of. Certain credits will be shown when you complete an application, but a few must be specially asked for before you will receive the discount.

  • E-sign Discounts – Many insurance companies give back up to $50 for completing your application over the internet.
  • Employee of Federal Government – Federal government employees could qualify for a slight premium decrease on TrailBlazer coverage with a few auto insurance companies.
  • New Car Discount – Putting insurance on a new car is cheaper due to better safety requirements for newer vehicles.
  • Senior Citizen Rates – If you qualify as a senior citizen, you may qualify for a slight reduction on a insurance quote on TrailBlazer coverage.
  • Good Student Discount – Maintaining excellent grades may save as much as 25% on a insurance quote. Many companies even apply the discount to college students until age 25.
  • Discounts for Responsible Drivers – Insureds without accidents may receive a discount up to 45% on TrailBlazer coverage compared to accident prone drivers.
  • Military Discounts – Having an actively deployed family member could be rewarded with lower auto insurance rates.
  • Claim-Free Discount – Drivers who stay claim-free are rewarded with significantly better rates on insurance quote compared to bad drivers.
  • ABS Brakes – Anti-lock brake equipped vehicles have fewer accidents so you can save 10 percent or more.

Consumers should know that many deductions do not apply to the entire policy premium. Most cut specific coverage prices like medical payments or collision. So even though you would think you would end up receiving a 100% discount, you aren’t that lucky.

Companies and some of their more popular discounts are detailed below.

  • State Farm policyholders can earn discounts including student away at school, multiple autos, Drive Safe & Save, driver’s education, and safe vehicle.
  • Progressive may include discounts for good student, online quote discount, multi-policy, online signing, multi-vehicle, and continuous coverage.
  • Progressive includes discounts for multi-vehicle, online quote discount, online signing, good student, homeowner, continuous coverage, and multi-policy.
  • MetLife may have discounts that include multi-policy, good student, good driver, claim-free, defensive driver, and accident-free.
  • Farm Bureau discounts include 55 and retired, renewal discount, multi-vehicle, good student, youthful driver, safe driver, and driver training.
  • Geico has savings for driver training, membership and employees, emergency military deployment, defensive driver, and seat belt use.
  • SAFECO offers premium reductions for homeowner, accident prevention training, multi-car, bundle discounts, and anti-lock brakes.

Before purchasing a policy, check with every company which discounts you qualify for. Some credits may not apply to policies in your state. To find insurers that offer some of these discounts, click this link.

Why smart consumers pay less for Chevy TrailBlazer insurance

Lots of factors are taken into consideration when you get a price on insurance. A few of the factors are predictable such as your driving record, but other criteria are not as apparent such as whether you are married or your financial responsibility.When buying car insurance it’s important to understand some of the things that go into determining the level of your policy premiums. If you have some idea of what determines base rates, this allows you to make good choices that may result in big savings.

Shown below are just a few of the factors car insurance companies consider when setting premiums.

  • Never have coverage lapses – Driving without insurance coverage in place is a big no-no and you will pay a penalty because you let your coverage cancel without a new policy in place. Not only will you pay more, failure to provide proof of insurance can result in fines and jail time.
  • Safety first – Cars with five star safety ratings cost less to insure. Safer cars help reduce the chance of injuries in an accident and lower injury rates translates directly to fewer claims which can mean better rates for you.
  • Better drivers pay the best premiums – Your driving record influences premium rates substantially. Getting just one ticket can bump up the cost forty percent or more. Attentive drivers tend to pay less for car insurance compared to bad drivers. People who have severe violations like DUI, reckless driving or excessive speeding may find they need to submit a SR-22 form with their state’s licensing department in order to legally drive a vehicle.
  • Physical damage deductibles are a factor – Physical damage protection, aka comp and collision, protects your Chevy from damage. Some coverage claims could be a windshield shattered by a rock, hitting a deer, and having your car stolen. Comprehensive and collision coverage deductibles define how much you are required to pay before a claim is paid by your company. The more of the claim you choose to pay out-of-pocket, the lower your rates will be on TrailBlazer coverage.
  • Don’t buy extra policy coverages you don’t need – There are a lot of extra bells and whistles that may not really be needed when buying car insurance. Insurance for things like rental car reimbursement, death and dismemberment, and membership fees are probably not needed. They may seem good when discussing your needs, but your needs may have changed so consider taking them off your policy.
  • Youthful drivers pay higher costs – Drivers with little experience are statistically shown to be easily distracted when driving so they pay higher car insurance rates. If you’ve ever had to add a beginning driver to your car insurance policy can increase premiums substantially. Older insureds are more responsible, are lower risk to insure and tend to be get fewer driving tickets.
  • Car insurance rates can be impacted by your vocation – Did you know your job can affect your rates? Careers like judges, social workers and dentists generally pay the highest average rates due to intense work situations and lots of time spent at work. Other careers such as professors, historians and performers pay lower than average rates on TrailBlazer coverage.
  • Liability limits on your policy – A critical coverage on your policy, liability insurance is the protection if you are responsible for causing personal injury or damage in an accident. Liability insurance provides legal defense coverage which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.

Tailor your insurance coverage to you

When buying the best insurance coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if you will benefit from professional help.

  • Am I getting all the discounts available?
  • Exactly who is provided coverage by my policy?
  • Is other people’s property covered if stolen from my vehicle?
  • How much underlying liability do I need for an umbrella policy?
  • How do I buy GAP insurance?
  • Why does it cost so much to insure a teen driver?
  • What can I do if my company denied a claim?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered when driving on a suspended license?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Auto insurance coverages 101

Knowing the specifics of your policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are the usual coverages available from auto insurance companies.

Coverage for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses for things like hospital visits, prosthetic devices and funeral costs. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

This covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a broken windshield, hitting a deer, damage from flooding and vandalism. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for liability

Liability coverage provides protection from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as medical expenses, emergency aid, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage

Collision coverage will pay to fix damage to your TrailBlazer resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as colliding with a tree, hitting a parking meter, rolling your car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Uninsured and underinsured coverage

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your Chevy TrailBlazer.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently these limits are set the same as your liablity limits.

One last thing about your coverage

As you restructure your insurance plan, it’s very important that you do not reduce coverage to reduce premium. There are too many instances where an accident victim reduced physical damage coverage only to regret that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase a proper amount of coverage at a price you can afford and still be able to protect your assets.

You just read a lot of information how to lower your 2006 Chevy TrailBlazer insurance car insurance rates. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with some of the lesser-known companies. These companies may only write in your state and offer lower premium rates as compared to the big name companies such as Progressive or Geico.

For more information, take a look at the resources below: