Buyers have options when searching for affordable Chevy TrailBlazer insurance. They can either spend hours contacting agents trying to get quotes or leverage the internet to make rate comparisons. There is a right way and a wrong way to buy auto insurance so we’re going to tell you the quickest way to get price quotes for a new or used Chevy and get the lowest price.
You should take the time to price shop coverage once or twice a year because rates change frequently. Despite the fact that you may have had the best deal on TrailBlazer coverage last year the chances are good that you can find a lower rate today. There is a lot of wrong information about auto insurance on the web, but by reading this article, you’re going to learn some of the best ways to save money.
Finding affordable coverage is quite easy. If you have car insurance now, you stand a good chance to be able to cut costs considerably using these tips. Although car owners can benefit by having an understanding of how the larger insurance companies sell insurance online and apply this information to your search.
Don’t pay full price with these discounts
Auto insurance companies do not advertise all available discounts in a way that’s easy to find, so we break down some of the more common as well as the least known ways to save on auto insurance.
- Lower Rates for Military – Being on active duty in the military can result in better rates.
- Save with a New Car – Buying coverage on a new vehicle can save up to 30% due to better safety requirements for new cars.
- Fewer Miles Equal More Savings – Fewer annual miles on your Chevy can earn discounted rates on garaged vehicles.
- Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up to age 25.
- 55 and Retired – Older drivers may qualify for reduced rates on TrailBlazer coverage.
Drivers should understand that some credits don’t apply the the whole policy. Most only apply to individual premiums such as collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, companies wouldn’t make money that way.
For a list of companies with the best auto insurance discounts, click this link.
Compare Auto Insurance Costs
To find the best auto insurance prices, there are several ways to compare quotes from local auto insurance companies. The recommended way to find the cheapest Chevy TrailBlazer insurance rates is to perform an online rate comparison. This can be accomplished in several different ways.
- The first (and easiest) way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This easy form eliminates the need for multiple quote forms for every auto insurance company. One simple form will get you price quotes from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
- Another way to compare rate quotes is spending the time to visit each individual company website to request a price quote. For instance, we’ll assume you want to compare USAA, GEICO and Travelers. You would have to go to every website and enter your policy data, which is why the first method is more popular.
For a list of links to companies insuring cars in your area, click here.
- The least efficient method of comparing rate quotes is to spend your day driving to insurance agents’ offices. Shopping for auto insurance online makes this process obsolete unless you want the professional advice only provided by licensed agents. Drivers can get prices online but buy from a local insurance agent and you’ll learn how to do that later.
It’s up to you which method you use, but make darn sure you compare exactly the same coverages and limits with each company. If you are comparing higher or lower deductibles you can’t possibly determine which rate is truly the best. Slightly different limits can mean a large discrepancy in price. And when comparing auto insurance rates, know that more quotes will enable you to find a better price.
Pieces of the Chevy TrailBlazer rate puzzle
It’s important that you understand some of the elements that go into determining the price you pay for auto insurance. When you know what positively or negatively influences your rates helps enable you to make changes that will entitle you to big savings.
Listed below are some of the items that factor into prices.
- Teen drivers pay high rates – Teen drivers have a tendency to be more careless behind the wheel so they pay higher auto insurance rates. Adding a teenage driver onto your auto insurance can break the bank. Older drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations.
- Your location is important – Residing in less populated areas can be a good thing when buying auto insurance. City drivers tend to have much more traffic and longer commute times. Lower population means reduced accidents and a lower car theft rate.
- Liability coverage protects you – The liability section of your policy provides coverage when you are found liable for personal injury or accident damage. It provides you with a defense in court up to the limits shown on your policy. Liability insurance is quite affordable compared to insuring for physical damage coverage, so buy as much as you can afford.
- Rate your vehicle for proper use – The higher the mileage driven in a year the more you’ll pay to insure your vehicle. The majority of insurers rate vehicles determined by how the vehicle is used. Autos not used for work or commuting can get a lower rate as compared to vehicles used primarily for driving to work. Ask your agent if your auto insurance declarations sheet shows the correct usage for each vehicle, because it can save money. Incorrect usage on your TrailBlazer may be wasting your money.
When should I talk to an agent?
When it comes to buying the right insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.
For instance, these questions can aid in determining whether your personal situation will benefit from professional help.
- Am I covered if I crash into my own garage door?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- What can I do if my company won’t pay a claim?
- Am I covered when using my vehicle for business?
- Do no-fault laws apply in my state?
- Is my business laptop covered if it gets stolen from my vehicle?
- Will my vehicle be repaired with OEM or aftermarket parts?
- Why am I required to buy high-risk coverage?
If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form.
Can’t I compare rates from local agents?
Certain consumers would rather sit down with an agent and that is a personal choice. The best thing about getting online price quotes is that you can obtain the lowest rates and still have an agent to talk to.
To make it easy to find an agent, after completing this quick form, your insurance data is transmitted to companies who will give you bids for your business. You won’t need to leave your house as quotes are delivered immediately to your email address. It doesn’t get any easier! It’s the lowest rates AND a local agent.
Choosing an provider should depend on more than just a cheap price. Some important questions to ask are:
- How much will you save each year by using a higher deductible?
- Do they assist clients in filing claims?
- Is vehicle damage repaired with OEM or aftermarket parts?
- Will their companies depreciate repairs to your car based on the mileage?
- How long has their agency been in business?
- How long have they worked with personal auto insurance coverage?
If you want to view a list of agents in your state to contact, click here.
Upon getting reasonable responses and an affordable coverage quote, it’s possible that you found an insurer that meets your needs to adequately provide auto insurance.
Don’t be fooled by advertising claims
Auto insurance providers like State Farm, Allstate and GEICO continually stream ads in print and on television. They all make an identical promise about savings after switching your policy. How do they all make almost identical claims?
All the different companies have a preferred profile for the type of customer they prefer to insure. A good example of a desirable insured might be profiled as between the ages of 40 and 55, has no tickets, and chooses high deductibles. A customer getting a price quote who fits that profile will get the preferred rates and most likely will pay quite a bit less when switching companies.
Consumers who don’t meet this ideal profile will be quoted higher prices which usually ends up with the driver buying from a lower-cost company. The ads say “people who switch” not “people who quote” save that kind of money. That is how insurance companies can advertise the savings. This emphasizes why you should get as many quotes as possible. It’s just too difficult to predict the company that will fit your personal profile best.
What is YOUR best insurance company?
We just presented quite a bit of information on how to reduce Chevy TrailBlazer insurance prices online. The most important thing to understand is the more you quote, the higher your chance of finding lower rates. You may be surprised to find that the lowest rates come from some of the lesser-known companies.
Cheap Chevy TrailBlazer insurance can be sourced on the web as well as from independent agents in your state, and you need to price shop both in order to have the best chance of saving money. Some companies don’t offer you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.
As you restructure your insurance plan, it’s not a good idea to skimp on critical coverages to save a buck or two. In many cases, someone dropped liability limits or collision coverage only to regret at claim time that the few dollars in savings costed them thousands. Your focus should be to find the BEST coverage at the best price while still protecting your assets.
