2004 Chevrolet TrailBlazer Car Insurance Rates – 5 Savings Tips

Are you tired of not being able to afford to insure your Chevy every month? You are in the same boat as millions of other consumers. Since consumers have many companies to choose from, it can be hard to find the most cost effective insurance company.

Consumers should take time to get comparison quotes quite often because insurance rates are rarely the same from one policy term to another. Even if you got the best deal on TrailBlazer insurance a few years ago the chances are good that you can find a lower rate today. There is a lot of bad information regarding auto insurance on the internet, so with this article, you’re going to get some solid techniques on how to reduce your auto insurance bill.

The most recommended method to get rate comparisons is to realize car insurance companies provide online access to give rate comparisons. To get started, all you need to do is spend a couple of minutes providing details like which vehicles you own, whether you drive to work or school, driver ages, and what you do for a living. That rating information is sent automatically to multiple companies and you receive quotes quickly.

Are you getting all your discounts?

Companies that sell car insurance do not list all their discounts in a way that’s easy to find, so we researched both well-publicized as well as the least known savings tricks you should be using. If you aren’t receiving every discount you qualify for, you are throwing money away.

• Discount for New Cars – Adding a new car to your policy can cost up to 25% less compared to insuring an older model.
• Club Memberships – Participating in certain professional organizations could qualify you for a break when shopping for insurance coverage on TrailBlazer insurance.
• Accident Forgiveness – A handful of insurance companies will allow you to have one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
• Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
• Discount for Life Insurance – Companies who offer life insurance give a break if you buy life insurance.

As a disclaimer on discounts, some credits don’t apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as medical payments or collision. So despite the fact that it appears all those discounts means the company will pay you, companies don’t profit that way.

For a list of providers offering insurance coverage discounts, click here.

Tailor your coverage to you

When buying coverage, there is no perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that might help in determining if your situation might need an agent’s assistance.

• Are my friends covered when driving my 2004 Chevy TrailBlazer?
• Do I benefit by insuring my home with the same company?
• Do I really need UM/UIM coverage?
• How can I force my company to pay a claim?
• Will my rates increase for filing one claim?
• Is my teenager covered with friends in the car?
• Do I need motorclub coverage?
• Is pleasure use cheaper than using my 2004 Chevy TrailBlazer to commute?
• Do I need to file an SR-22 for a DUI in my state?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Auto insurance coverages

Knowing the specifics of car insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages offered by car insurance companies.

Comprehensive coverages

This coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from flooding, falling objects, hitting a deer, hitting a bird and damage from getting keyed. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Chevy TrailBlazer.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Coverage for medical payments

Med pay and PIP coverage reimburse you for bills for hospital visits, X-ray expenses, dental work and pain medications. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverage

Liability insurance protects you from damage that occurs to a person or their property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against things like repair costs for stationary objects, repair bills for other people’s vehicles, bail bonds and court costs. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Collision protection

This covers damage to your TrailBlazer from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like colliding with another moving vehicle, driving through your garage door, hitting a parking meter, crashing into a ditch and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.