Feel like you’re a prisoner to an overpriced car insurance policy? Trust us when we tell you there are many consumers feeling the pinch from expensive car insurance.
Big companies like State Farm, Farmers Insurance, Geico and Allstate promote their brand names with advertising and it is challenging if not impossible to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.
Consumers should take time to check car insurance prices quite often since rates change regularly. Just because you had the best rates on TrailBlazer coverage on your last policy the chances are good that you can find a lower rate today. Block out anything you think you know about car insurance because you’re about to learn how to quote online to find great coverage at a great price.
Insuring your vehicles can cost a lot, but discounts can save money and there are some available that you may not even be aware of. Most are applied when you get a quote, but some may not be applied and must be specifically requested in order for you to get them.
It’s important to note that most discounts do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comp or med pay. So even though they make it sound like all the discounts add up to a free policy, car insurance companies aren’t that generous. But all discounts will bring down your overall premium however.
For a list of insurers with the best car insurance discounts, click this link.
All the larger insurance coverage companies allow you to get prices on the web. Getting quotes is quite simple as you simply type in your required coverages into the quote form. After the form is submitted, their system automatically orders your driving and credit reports and provides a quote based on these factors. Online price quotes simplifies rate comparisons, but the time required to go to many different websites and type in the same information is monotonous and tiresome. But it’s very important to do this if you want to find better prices.
Rate comparisons made easy
A less time-consuming method to find cheaper rates uses one simple form that gets price quotes from many companies. This type of form saves time, helps eliminate reptitive entry, and makes online quotes a little more enjoyable. Once the form is submitted, it is rated with multiple companies and you can pick any of the quotes returned.
If a lower price is quoted, you simply finish the application and buy the new coverage. The whole process can be completed in less than 10 minutes and can result in significant savings.
If you want to use this form to compare rates, click here to open in new window and submit the form. If you have a policy now, it’s recommended you complete the form with your coverages exactly as shown on your declarations page. Doing this assures you will get a rate comparison based on the exact same insurance coverage.
When choosing the best insurance coverage, there really is not a cookie cutter policy. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that might point out if your situation may require specific advice.
If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier
Knowing the specifics of insurance aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are typical coverages found on the average insurance policy.
Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision can pay for claims such as sideswiping another vehicle, hitting a mailbox, sustaining damage from a pot hole and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage pays for things like theft, rock chips in glass, vandalism and hitting a bird. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance pay for bills such as dental work, ambulance fees and hospital visits. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible
Uninsured Motorist or Underinsured Motorist insurance
This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Chevy TrailBlazer.
Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.
This can cover damage that occurs to people or other property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.
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 liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.
Liability insurance covers things like legal defense fees, court costs, pain and suffering and loss of income. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.
When you buy insurance online, you should never sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice liability limits or collision coverage and learned later that they should have had better coverage. The ultimate goal is to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.
Cost effective 2003 Chevy TrailBlazer insurance is attainable both online in addition to many insurance agents, so you should compare both so you have a total pricing picture. Some insurance companies do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.
We’ve covered a lot of ways to reduce insurance prices online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may even find the lowest premiums are with a small local company. They may often insure only within specific states and give getter rates than their larger competitors like Allstate, Geico and Progressive.
For more information, link through to the following helpful articles: