2009 Chevrolet TrailBlazer Insurance Cost

Want the cheapest auto insurance rates for your Chevrolet TrailBlazer? Have you had enough of scraping the payment together each month for car insurance? You are in the same boat as the majority of other car owners. Drivers have so many auto insurance companies to buy insurance from, and although it’s nice to have a choice, it can be more challenging to compare rates and cut insurance costs.

It’s smart to compare prices before your policy renews because prices trend upward over time. Just because you had the best deal on TrailBlazer insurance two years ago a different company probably has better rates today. You can find a lot of misleading information regarding auto insurance online, so by reading this article, you’re going to learn a bunch of ideas how to find affordable auto insurance.

Finding the best rates is not rocket science. If you have insurance now or need a new policy, you can use this information to cut your premiums while maintaining coverages. Vehicle owners just need to know the best way to get comparison rates over the internet.

Automobile Insurance Quotes

Performing a rate comparison can be exhausting if you don’t utilize the fastest way to get free quotes. You could spend your day driving to insurance companies in your area, or you can utilize online quotes to get the quickest rates.

The majority of car insurance companies belong to a marketplace that allows shoppers to enter their coverage request one time, and every company returns a rated price. This system prevents you from having to do quote requests for each company.

To access this free quoting program, click to open in new window.

The single downside to getting quotes like this is that consumers can’t choose which carriers you will receive quotes from. If you wish to select individual companies to compare, we have a listing of auto insurance companies in your area. Click here to view list.

Whichever way you use, ensure you are comparing apples-to-apples coverages and limits for each comparison quote. If you are comparing higher or lower deductibles then you won’t be able to truly determine the lowest rate.

These discounts can slash car insurance rates

Companies don’t always advertise all their discounts very well, so we took the time to find some of the best known as well as the least known ways to save on car insurance. If you don’t get every credit possible, you’re just leaving money on the table.

  • Good Student Discount – This discount can earn a discount of 20% or more. The discount lasts up to age 25.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates on TrailBlazer insurance than their less cautious counterparts.
  • No Accidents – Claim-free drivers pay much less when compared with accident-prone drivers.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for better car insurance rates on TrailBlazer insurance.
  • Life Insurance Discount – Companies who offer life insurance give better rates if you take out life insurance.
  • Accident Forgiveness – Some insurance companies permit an accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
  • Sign Online – A few companies will give a small break for buying a policy and signing up over the internet.
  • Military Discounts – Being on active duty in the military can result in better rates.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, you won’t be that lucky.

Companies that possibly offer these benefits may include but are not limited to:

Double check with each company what discounts are available to you. Some discounts may not apply in your area.

When might I need the advice of an agent?

When choosing proper insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that For example, these questions could help you determine if you might need an agent’s assistance.

  • How does medical payments coverage work?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Should I bundle my homeowners policy with my auto?
  • What is roadside assistance coverage?
  • Is my Chevy TrailBlazer covered if I use it for business?
  • I have good health insurance, so how much medical payments coverage do I need?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Chevy TrailBlazer rates influenced by many factors

An important part of buying insurance is that you know some of the elements that go into determining the rates you pay for insurance coverage. Knowing what determines base rates allows you to make educated decisions that may reward you with much lower annual insurance costs.

  • Optional equipment can affect rates – Purchasing a vehicle with anti-theft technology or alarm system can save you a little every year. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.
  • Don’t buy coverages you don’t need – There are a ton of additional coverages you can purchase when buying insurance coverage. Things like rental car reimbursement, better glass coverage and additional equipment coverage are examples of these. They may seem good initially, but now you might not need them so remove them from your policy.
  • Lower rates come with age – Older insureds are more cautious drivers, tend to cause fewer accidents and tend to be better behind the wheel. Teenage drivers have a tendency to be careless and easily distracted when behind the wheel and because of this, their insurance coverage rates are much higher.
  • Lower deductibles cost more – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Chevy. A few examples of covered claims would be collision with another vehicle, damage caused by hail, or theft. Deductibles for physical damage are how much you are willing to pay in the event of a claim. The more expense you have to pay, the bigger discount you will receive on TrailBlazer insurance.
  • Do you have a high stress job? – Occupations such as lawyers, executives and dentists tend to have the highest average rates due to high stress and long work hours. Other occupations like actors, historians and retirees receive lower rates on TrailBlazer insurance.

Advertising myths

Consumers constantly see and hear ads for car insurance savings from the likes of State Farm and Allstate. They all make the same claim that you can save if you change your coverage to them.

How do they all claim to save you money? It’s all in the numbers.

All companies have a preferred profile for the right customer that makes them money. For instance, a driver they prefer might be a mature driver, has no prior claims, and chooses high deductibles. A driver that hits that “sweet spot” is entitled to the best price and therefore will cut their rates substantially.

Potential customers who are not a match for these standards will have to pay more money which usually ends up with the customer not buying. The ads say “customers who switch” but not “drivers who get quotes” save money. This is how insurance companies can confidently advertise the way they do. Because of the profiling, it is so important to get a wide range of price quotes. It’s impossible to know which company will have the lowest Chevy TrailBlazer insurance rates.

Insurance coverages and their meanings

Knowing the specifics of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are typical coverages available from insurance companies.

Medical expense coverage – Med pay and PIP coverage kick in for expenses for chiropractic care, doctor visits and X-ray expenses. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Liability insurance – This coverage provides protection from injuries or damage you cause to people or other property. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as attorney fees, repair bills for other people’s vehicles, medical services, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Collision – Collision insurance will pay to fix damage to your TrailBlazer caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, damaging your car on a curb and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive protection – This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as theft, hail damage, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Chevy TrailBlazer.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Never pay more for less

We covered some good ideas how you can lower your 2009 Chevy TrailBlazer insurance rates. The key thing to remember is the more companies you get rates for, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest rates come from a small local company. Regional companies may cover specific market segments cheaper than the large multi-state companies such as Progressive or GEICO.

As you shop your coverage around, don’t be tempted to skimp on coverage in order to save money. In many instances, someone sacrificed liability limits or collision coverage only to regret that it was a big mistake. The ultimate goal is to purchase plenty of coverage at an affordable rate.

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