2008 Chevrolet TrailBlazer Car Insurance Cost

Searching for better insurance rates for your Chevrolet TrailBlazer? Locating better insurance prices for a new or used Chevy TrailBlazer could be an all-consuming task, but you can learn our insurance buying tips to find lower rates.

There are more efficient ways to compare insurance rates so you’re going to learn the best way to get price quotes for your Chevy and locate the best price possible from both online companies and local agents.

Smart consumers take time to compare prices yearly because rates change frequently. Even if you think you had the lowest price for TrailBlazer insurance six months ago you can probably find a lower rate today. So ignore everything you know about insurance because we’re going to show you one of the best ways to find lower rates on insurance.

The fastest way that we advise to get policy rate comparisons utilizes the fact all the major auto insurance companies pay for the opportunity to compare their rates. The one thing you need to do is give them rating details such as deductibles desired, if a SR-22 is required, if it has an alarm system, and how many miles driven. That information is sent automatically to insurance companies and they return rate quotes almost instantly.

Do you qualify for discounts?

Insurance can be prohibitively expensive, but there are discounts available that can drop the cost substantially. A few discounts will automatically apply when you quote, but some must be asked for before you get the savings. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Accident Free – Claim-free drivers can earn big discounts when compared to bad drivers.
  • Life Insurance Discount – Larger companies have lower rates if you buy auto and life insurance together.
  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for TrailBlazer insurance than their less cautious counterparts.
  • Sign Early and Save – Some insurance companies reward drivers for switching to them before your current expiration date. It can save you around 10%.
  • Paperwork-free – A few companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
  • Anti-theft System – Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Club Memberships – Belonging to a professional or civic organization is a good way to get lower rates when shopping for auto insurance for TrailBlazer insurance.
  • Driver Safety – Successfully completing a course in driver safety could cut 5% off your bill if you qualify.
  • Resident Student – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.

It’s important to understand that most discounts do not apply to the entire cost. Some only apply to the cost of specific coverages such as medical payments or collision. So when it seems like it’s possible to get free car insurance, auto insurance companies aren’t that generous. Any qualifying discounts will reduce your overall premium however.

Companies that may offer these money-saving discounts include:

It’s a good idea to ask each insurance company which discounts they offer. All car insurance discounts may not apply in your area.

Don’t assume everyone needs the same coverage

When it comes to choosing adequate coverage, there is no one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that might point out whether your personal situation will benefit from professional help.

  • What is high-risk coverage and where do I buy it?
  • Can my teen drive my company car?
  • Should I buy only the required minimum liability coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my babysitter covered when using my vehicle?
  • Does having multiple vehicles earn me a discount?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and you can get the answers you need.

Specific coverages for a Chevy TrailBlazer

Knowing the specifics of a insurance policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like hospital visits, rehabilitation expenses, nursing services, prosthetic devices and pain medications. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Collision coverage protection

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sideswiping another vehicle, rolling your car, hitting a mailbox, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as 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. For this reason, having high UM/UIM coverages is a good idea. Frequently these coverages are set the same as your liablity limits.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as rock chips in glass, a tree branch falling on your vehicle, hitting a bird, damage from flooding and falling objects. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverages

Liability coverage provides protection from damage that occurs to other people or property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like pain and suffering, medical services, repair bills for other people’s vehicles, loss of income and legal defense fees. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.