2006 Chevrolet TrailBlazer Insurance Rates – 9 Tips for Best Quotes

Trying to find cheaper insurance coverage rates for your Chevrolet TrailBlazer? Nobody cherishes buying insurance coverage, particularly when the cost is way too high.

Numerous auto insurance companies battle for your insurance dollar, and because of this it can be hard to compare insurers and get the best coverage at the cheapest price

Compare Car Insurance Today

The are a couple different ways of comparing rates from car insurance companies in your area. The recommended way to compare 2006 Chevy TrailBlazer insurance prices consists of obtaining rate quotes online. This can be done in just a few minutes using one of these methods.

  • The single most time-saving way consumers can analyze rates would be an industry-wide quote request form click to view form in new window. This easy form prevents you from having to do separate quote forms to each individual car insurance company. One quote request gets rate comparisons direct from many companies.
  • A more difficult way to obtain and compare quotes online is going to each company’s website to complete their respective quote request forms. For sake of this example, let’s assume you want comparison quotes from State Farm, GEICO and Farmers. You would have to visit each site to enter your coverage information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

It’s your choice how you get your quotes, but compare exactly the same coverage limits and deductibles for each comparison quote. If you have differing limits you will not be able to make an equal comparison. Just a small difference in limits can result in a big premium difference. Keep in mind that getting more free quotes provides better odds of finding better pricing.

Save on 2006 Chevy TrailBlazer insurance

Properly insuring your vehicles can get expensive, buy you may qualify for discounts to reduce the price significantly. A few discounts will automatically apply when you purchase, but some may not be applied and must be specifically requested in order for you to get them.

  • Defensive Driving Course – Taking a driver safety course could cut 5% off your bill if you qualify.
  • Multiple Policy Discount – If you insure your home and vehicles with one insurance company you may save approximately 10% to 15%.
  • Club Memberships – Belonging to certain professional organizations could qualify you for a break when shopping for insurance on TrailBlazer coverage.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • No Charge for an Accident – A handful of insurance companies permit an accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
  • Drive Less and Save – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
  • Good Students Pay Less – This discount can save 20 to 25%. This discount can apply well after school through age 25.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • Government Employees – Simply working for the federal government could cut as much as 10% off on TrailBlazer coverage with certain companies.

Keep in mind that most of the big mark downs will not be given to the entire cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. Just because it seems like you can get free auto insurance, you’re out of luck. Any qualifying discounts will bring down your premiums.

Companies who might offer these discounts include:

Before buying, ask each insurance company how you can save money. All car insurance discounts might not be offered in your area.

Tailor your coverage to you

When choosing the right insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. For example, these questions could help you determine whether your personal situation could use an agent’s help.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Will my insurance pay for OEM parts?
  • Should I sign the liability waiver when renting a car?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What is covered by UM/UIM coverage?
  • Is my Chevy TrailBlazer covered if I use it for business?
  • Is extra glass coverage worth it?
  • Am I getting all the discounts available?
  • Are my friends covered when driving my 2006 Chevy TrailBlazer?
  • Is there coverage for injuries to my pets?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Learn about auto insurance coverages for a Chevy TrailBlazer

Learning about specific coverages of your auto insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. These are the usual coverages found on the average auto insurance policy.

Auto liability

This will cover damage that occurs to people or other property in an accident. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like structural damage, loss of income and pain and suffering. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

Collision coverage

Collision insurance pays to fix your vehicle from damage from colliding 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 claims such as sustaining damage from a pot hole, sideswiping another vehicle, crashing into a ditch and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these limits are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like dental work, doctor visits, chiropractic care, X-ray expenses and hospital visits. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like rock chips in glass, a broken windshield and hitting a deer. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.