2002 Chevrolet TrailBlazer Insurance Quotes

Are you sick and tired of robbing Peter to pay Paul to pay auto insurance each month? You are in the same boat as many other drivers. Since you have so many insurance companies to choose from, it can be impossible to pick the most affordable company.

Smart consumers take time to get comparison quotes before your policy renews since insurance rates are variable and change quite frequently. Just because you found the lowest rate for TrailBlazer insurance two years ago you can probably find a better price now. Ignore everything you know about auto insurance because it’s time to teach you one of the best ways to properly buy coverages and cut your premium.

More affordable rates by getting discounts

Some insurance providers do not list all their discounts in a way that’s easy to find, so the following is a list of a few of the more well known as well as the least known insurance coverage savings. If you do not double check each discount possible, you could be saving more on your insurance coverage.

  • Discount for Low Mileage – Keeping the miles down on your Chevy could qualify for substantially lower premium rates.
  • Defensive Driver Discount – Successfully completing a class that teaches driver safety techniques could save 5% or more depending on where you live.
  • Senior Citizens – Mature drivers may receive a small decrease in premiums for TrailBlazer insurance.
  • Clubs and Organizations – Having an affiliation with a professional or civic organization can get you a small discount when getting a insurance coverage quote.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course as it will make them better drivers and lower rates.

Discounts lower rates, but some credits don’t apply to the entire policy premium. Most only cut the cost of specific coverages such as medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, it’s just not the way it works.

A few companies that may have some of the discounts shown above include:

If you need cheap insurance coverage quotes, ask every company to give you their best rates. A few discounts may not apply to policyholders in your area. If you would like to view insurance coverage companies with significant discounts, click here to view.

Compare free auto insurance rate quotes

Most of the larger companies provide pricing on their websites. Doing online quotes is pretty easy as all you need to do is type in the amount of coverage you want on the page. Behind the scenes, their rating system obtains your driving and credit reports and gives you a price quote. Online price quotes makes it a lot easier to compare rates but having to visit many different websites and fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to perform this step if you want to find a better rate.

The easiest way to locate the lowest prices is to use a quote form to obtain quotes from a lot of companies. It’s a real time-saver, helps eliminate reptitive entry, and makes rate comparisons much more enjoyable. After sending the form, it gets priced and you are able to buy any or none of the pricing results. If you find a better price you can click and sign and buy the new coverage. The whole process takes just a few minutes to complete and may result in a nice savings.

To use this form to compare rates, click here and enter your information. If you have your current policy handy, we recommend you type in the insurance coverages exactly as shown on your declarations page. This guarantees you will have a rate comparison based on the exact same insurance coverage.

How to lower your insurance costs

One of the most helpful ways to save on insurance is to to have a grasp of some of the factors that help calculate insurance rates. If you have some idea of what determines base rates, this allows you to make good choices that may result in much lower annual insurance costs. Many things are used in the calculation when you quote your car insurance policy. Some are obvious such as your driving history, but others are not quite as obvious such as whether you are married or how financially stable you are.

The items below are some of the things used by your company to calculate your premiums.

  • Traffic violations inflate premiums – Having just one citation may increase your cost twenty percent or more. Careful drivers get better rates than bad drivers. Drivers with multiple tickets like DUI or reckless driving might be required by their state to prove financial responsibility with their state motor vehicle department in order to legally drive.
  • Save by driving safer vehicles – Vehicles that have high safety ratings are cheaper to insure. Vehicles engineered for safety have better occupant injury protection and lower rates of occupant injuries translates into savings for insurance companies passed on to you as lower rates. If your Chevy earned at least four stars on Safercar.gov it may be receiving lower rates.
  • Single drivers take more risk – Walking down the aisle actually saves money when shopping for insurance. Having a spouse generally demonstrates drivers are more mature than a single person and insurance companies like that married drivers get in fewer accidents.
  • Youthful drivers cost more – Teenage drivers have a tendency to get distracted easily in a vehicle and because of this, their insurance rates are much higher. Adding a teenage driver to your policy will cause a huge premium hike. Older drivers are shown to be more cautious, file fewer claims and get fewer tickets.

Your auto insurance coverage should be tailored to you

When it comes to choosing coverage for your vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether you will benefit from professional help.

  • Is my dog or cat covered if injured in an accident?
  • Do I need replacement cost coverage on my 2002 Chevy TrailBlazer?
  • Am I covered if I drive in a foreign country?
  • I don’t drive much so do I pay less?
  • What vehicles should carry emergency assistance coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • What is an SR-22 filing?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

The coverage is in the details

Knowing the specifics of your insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages found on the average insurance policy.

Collision insurance

Collision insurance will pay to fix damage to your TrailBlazer resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like hitting a parking meter, crashing into a building, damaging your car on a curb and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Chevy TrailBlazer.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a bird, hail damage and vandalism. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability insurance

This can cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against claims such as pain and suffering, structural damage, repair costs for stationary objects, emergency aid and attorney fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for nursing services, funeral costs, dental work and EMT expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

More effort can pay off

Cheap 2002 Chevy TrailBlazer insurance is possible online and with local insurance agents, and you need to comparison shop both to have the best selection. A few companies may not provide rate quotes online and usually these small insurance companies work with independent agents.

In this article, we covered many ways to lower your 2002 Chevy TrailBlazer insurance prices. The key concept to understand is the more times you quote, the better your comparison will be. You may even discover the most savings is with a small local company. Some small companies can often provide lower rates in certain areas than the large multi-state companies such as Progressive or GEICO.

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