2004 Chevrolet TrailBlazer Insurance Rates

Sick and tired of being strong-armed each month for car insurance? You are in the same boat as many other drivers. Because there are so many choices of insurance companies, it is hard for the average consumer to choose the lowest price company.

It’s a great practice to shop coverage around periodically due to the fact that insurance rates fluctuate regularly. If you had the lowest price on TrailBlazer insurance six months ago you will most likely find a better rate today. You can find a lot of misleading information regarding car insurance on the internet, so we’re going to give you some guaranteed methods to slash your car insurance rates.

Finding affordable coverage is easy if you know what you’re doing. If you currently have a car insurance policy, you will be able to reduce your rates substantially using this strategy. Vehicle owners only need to know the proper methods to get comparison quotes online.

Insurance Coverage Comparison Rates

All major insurance coverage companies such as 21st Century, Allstate and State Farm give prices for coverage on their websites. Getting quotes is quite easy as you just type in your required coverages as requested by the quote form. When complete, the company’s rating system automatically retrieves reports for credit and driving violations and quotes a price based on many factors. Quoting online makes it a lot easier to compare rates but the time it takes to visit many different websites and fill out multiple forms gets old quite quickly. But it’s absolutely necessary to do this in order to get better prices.

The preferred way to locate the lowest prices utilizes a single form to get prices from many companies. This type of form saves time, eliminates form submissions, and makes online price comparison much simpler. Once the form is submitted, it is rated and you can choose any one of the quotes returned. If a lower price is quoted, you can click and sign and purchase the new policy. It takes less than 15 minutes and you will find out if you’re overpaying now.

In order to use this form to compare rates, click here to open in a new tab and input your coverage information. If you have coverage now, it’s recommended you complete the form with your coverages as shown on your current policy. This guarantees you will be getting comparison quotes based on similar coverages.

These discounts can lower your rates

Companies that sell car insurance don’t always advertise all their discounts very clearly, so we break down some of the best known and also the lesser-known insurance savings. If you’re not getting every credit available, you are throwing money away.

  • Paperless Signup – Some insurance companies will give a small break for buying your policy on their website.
  • Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less since new cars are generally safer.
  • Sign Early and Save – Some insurance companies reward drivers for switching policies prior to your current policy expiration. It can save you around 10%.
  • Seat Belt Usage – Drivers who require all occupants to use a seat belt can save 10% or more off your PIP or medical payments premium.
  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can get savings of 20% or more.

Drivers should understand that most discount credits are not given to the entire cost. Most only cut specific coverage prices like medical payments or collision. So even though they make it sound like you could get a free insurance policy, companies don’t profit that way.

Companies that possibly offer some of the above discounts may include but are not limited to:

Check with every prospective company which discounts they offer. All car insurance discounts might not apply in every state.

Different people need different coverages

When it comes to choosing the best auto insurance coverage for your vehicles, there isn’t really a one size fits all plan. Each situation is unique so your insurance needs to address that. These are some specific questions could help you determine if you would benefit from professional advice.

  • Do I need roadside assistance coverage?
  • Should I have a commercial auto policy?
  • Does my car insurance cover rental cars?
  • Do I need to file an SR-22 for a DUI in my state?
  • Am I covered if my car is in a flood?
  • Do I need replacement cost coverage on my 2004 Chevy TrailBlazer?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.

Insurance policy specifics

Understanding the coverages of insurance helps when choosing which coverages you need and the correct deductibles and limits. Insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages found on the average insurance policy.

Liability car insurance

Liability insurance protects you from injuries or damage you cause to other’s property or people. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers claims such as attorney fees, structural damage and loss of income. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as EMT expenses, doctor visits and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Chevy TrailBlazer.

Since many 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 should not be overlooked.

Comprehensive coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, rock chips in glass, falling objects and hitting a bird. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for collisions

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a ditch, damaging your car on a curb, colliding with another moving vehicle, scraping a guard rail and backing into a parked car. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.