2002 Chevrolet TrailBlazer Insurance Quotes – 7 Policy Discounts

Nobody likes paying for auto insurance, in particular when the cost is too high. Since consumers have many options when it comes to auto insurance, it can be challenging to locate the best insurer.

It’s a good idea to price shop coverage at least once a year since rates change frequently. Despite the fact that you may have had the lowest price for TrailBlazer insurance last year there is a good chance you can find better rates now. You can find a lot of misleading information regarding auto insurance online but I’m going to show you the best ways to buy auto insurance cheaper.

Finding affordable coverage is quite easy. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these tips. Consumers just need to know how to compare price quotes online.

Lots of discounts mean lots of savings

Auto insurance companies don’t always list all available discounts very well, so we researched both well-publicized and the harder-to-find ways to save on insurance. If you don’t get every credit available, you’re just leaving money on the table.

  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Multiple Vehicles – Having multiple vehicles on one policy could earn a price break for each car.
  • Auto/Home Discount – If you have multiple policies with one company you could get a discount of approximately 10% to 15%.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts could cut 10% or more off your medical payments premium.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • College Student – Youth drivers who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Some only reduce individual premiums such as medical payments or collision. Even though it may seem like all the discounts add up to a free policy, insurance companies aren’t that generous.

For a list of insurance companies who offer insurance discounts, click this link.

Is there truth in advertising?

Drivers can’t get away from ads for car insurance savings from the likes of State Farm, Allstate and GEICO. They all seem to say the same thing of big savings if you move your coverage to them.

But how can every company say the same thing? It’s all in the numbers.

Different companies are able to cherry pick for the right customer that is profitable for them. An example of a profitable customer might be a mature driver, has no prior claims, and has a high credit rating. Any driver who fits that profile will get the preferred rates and as a result will probably save a lot of money.

Drivers who fall outside this ideal profile will be charged a more expensive rate and this can result in the customer not buying. The ad wording is “customers who switch” not “everybody who quotes” save money. That’s the way insurance companies can confidently claim big savings. That is why drivers should get as many comparisons as possible. Because you never know which company will have the lowest Chevy TrailBlazer insurance rates.

Situations that might require an agent

When it comes to buying coverage, there is no one size fits all plan. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that might point out whether you will benefit from professional help.

  • Am I getting all the discounts available?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is motorclub coverage worth it?
  • Do I need to file an SR-22 for a DUI in my state?
  • Where can I get insurance after a DUI in my state?
  • What is UM/UIM insurance?
  • How do I insure my teen driver?
  • Does car insurance cover theft of personal property?
  • I don’t drive much so do I pay less?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to 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.

Car insurance coverages 101

Having a good grasp of your car insurance policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most car insurance policies.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for hospital visits, doctor visits and ambulance fees. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive car insurance – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as falling objects, a tree branch falling on your vehicle, fire damage and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision – This coverage covers damage to your TrailBlazer resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as colliding with another moving vehicle, sideswiping another vehicle, driving through your garage door, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Liability car insurance – This coverage protects you from injuries or damage you cause to people or other property by causing an accident. It protects YOU against claims from other people. It does not cover 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. You commonly see values of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as medical expenses, medical services, funeral expenses and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Money doesn’t grow on trees

We just covered some good ideas how to save on 2002 Chevy TrailBlazer insurance. It’s most important to understand that the more you quote, the higher your chance of finding lower rates. Consumers could even find that the best price on insurance coverage is with some of the lesser-known companies. These smaller insurers may only write in your state and offer lower rates than the large multi-state companies such as State Farm, GEICO and Nationwide.

As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits only to regret they didn’t purchase enough coverage. The proper strategy is to buy the best coverage you can find for the lowest price while still protecting your assets.

Additional insurance coverage information can be read below: