How Much Does 2006 Chevrolet TrailBlazer EXT Car Insurance Cost?

Have you fallen victim to an underperforming, overpriced insurance policy? Trust us, you’re not the only one. Drivers have multiple insurers to pick from, and although it’s a good thing to have a choice, too many choices makes it more difficult to find a good deal.

The fastest way that we advise to compare policy rates is to realize most larger insurance companies have advanced systems to provide you with free rate quotes. All you need to do is give the companies some data such as whether you are married, if a SR-22 is needed, how old drivers are, and if you are currently licensed. That rating information gets transmitted to multiple different insurance companies and you receive quotes almost instantly.

You may need specialized coverage

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that For example, these questions may help highlight if you will benefit from professional help.

  • Does liability extend to a camper or trailer?
  • When would I need rental car insurance?
  • Is a blown tire covered by insurance?
  • Which is better, split liability limits or combined limits?
  • Do I have coverage if my license is suspended?
  • Exactly who is provided coverage by my policy?
  • Does insurance cover tools stolen from my truck?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Why do I only qualify for high-risk insurance?
  • I don’t drive much so do I pay less?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Auto insurance coverage specifics

Having a good grasp of auto insurance can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are typical coverage types found on most auto insurance policies.

Comprehensive auto insurance – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like falling objects, hitting a deer, damage from flooding and a broken windshield. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability coverage – Liability insurance will cover injuries or damage you cause to a person or their property by causing an accident. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as repair bills for other people’s vehicles, medical services and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they 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 EXT.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Coverage for medical expenses – Med pay and PIP coverage kick in for immediate expenses like hospital visits, chiropractic care, prosthetic devices, dental work and rehabilitation expenses. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Collision – Collision insurance covers damage to your TrailBlazer EXT resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as damaging your car on a curb, hitting a mailbox, scraping a guard rail and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.