2006 Chevrolet TrailBlazer Insurance Quotes – 10 Tricks for Best Rates

Searching for cheaper car insurance rates for your Chevrolet TrailBlazer? No one likes paying for car insurance, especially knowing the price is too high.

Lots of insurance companies contend for your insurance dollar, so it’s not easy to compare every provider and get the definite lowest cost out there.

You should take the time to do rate comparisons yearly because prices go up and down regularly. If you had the best price for TrailBlazer insurance two years ago there is a good chance you can find better rates now. There is a lot of bad advice regarding car insurance on the web, but with this article, you’re going to get some excellent ideas to stop overpaying for insurance.

If you have car insurance now, you will be able to save some money using these methods. Buying car insurance is not rocket science. Although car owners can benefit from knowing how the larger insurance companies sell online and use this information to your advantage.

Discounts are basically free money

Companies that sell car insurance do not advertise every discount very clearly, so here is a list some of the more common as well as the least known ways to save on insurance.

  • Good Student – This discount can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Driver Safety – Taking part in a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts can receive discounts of more than 20%.
  • Multiple Cars – Buying insurance for all your vehicles on the same insurance policy may reduce the rate for each vehicle.
  • College Student – Any of your kids who attend school more than 100 miles from home and do not have a car may qualify for this discount.
  • Multiple Policy Discount – If you have multiple policies with the same company you could get a discount of at least 10% off all policies.
  • Service Members Pay Less – Having a deployed family member could mean lower rates.
  • Payment Method – If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
  • No Accidents – Good drivers with no accidents can save substantially when compared with bad drivers.

It’s important to understand that some credits don’t apply to all coverage premiums. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Just because it seems like you can get free auto insurance, it just doesn’t work that way.

To see a list of providers who offer insurance discounts, click here.

Which insurance is the “right” coverage?

When it comes to choosing adequate coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that These are some specific questions could help you determine whether or not you could use an agent’s help.

  • Is there coverage for injuries to my pets?
  • Do I pay less for low miles?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I need more liability coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my insurance cover a custom paint job?
  • When should I buy a commercial auto policy?
  • Can my teen driver be rated on a liability-only vehicle?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area.

Educate yourself about insurance coverages

Knowing the specifics of your insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by insurance companies.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for rehabilitation expenses, nursing services, pain medications and surgery. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Auto liability

Liability coverage provides protection from damages or injuries you inflict on people or other property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that translate to 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.

Liability coverage pays for things such as funeral expenses, court costs, loss of income and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Chevy TrailBlazer.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for 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 coverage protects against claims such as damage from flooding, vandalism, damage from getting keyed and damage from a tornado or hurricane. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

This coverage pays for damage to your TrailBlazer caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like colliding with a tree, crashing into a building and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Final considerations

Discount 2006 Chevy TrailBlazer insurance is definitely available on the web as well as from independent agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies don’t offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

As you prepare to switch companies, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced liability coverage limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The proper strategy is to find the BEST coverage at an affordable rate while still protecting your assets.

Additional insurance coverage information can be read on the following sites: