Compare 2003 Chevrolet TrailBlazer Insurance Quotes

Want the cheapest insurance coverage rates for your Chevrolet TrailBlazer? Are you sick and tired of paying out the nose to pay your insurance coverage bill each month? You are no different than many other consumers.

Multiple auto insurance companies compete for your business, and because of this it can be hard to compare auto insurance companies to get the best rate

How much does auto insurance cost?

To get the cheapest car insurance quotes, there a variety of ways to compare rate quotes from lots of auto insurance companies. The best way to compare Chevy TrailBlazer insurance prices is to get quotes online. It is quite easy and can be accomplished in a couple of different ways.

The easiest and least time consuming way to get quotes for comparison would be an industry-wide quote request form click to view form in new window. This type of form prevents you from having to do separate quotes for each price estimate. Filling out one form compares rates from all major companies.

Another way to get quotes online requires a trip to the website for every company you want to comare and go through the quote process again. For example, we’ll assume you want to see prices from USAA, Liberty Mutual and Allstate. To get rate quotes you would need to navigate to each company’s site to enter the same coverage data repeatedly, which is why the first method is more popular.

To view a list of companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but make absolute certain that you use equivalent coverage limits and deductibles for each price quote. If you are comparing differing limits you will not be able to decipher which rate is best. Just slight variations in coverages may result in a large different in cost. It’s important to know that making a lot of price comparisons increases your odds of finding the best rates. Not every company does prices over the internet, so it’s recommended that you also compare price estimates from the smaller companies as well.

More affordable rates with these discounts

Car insurance companies do not list all possible discounts in a way that’s easy to find, so the list below details both the well known as well as some of the hidden discounts that may be available. If you aren’t receiving every discount possible, you could be paying more than you need to.

  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts may qualify for discounts up to 30%.
  • New Vehicle Savings – Insuring a new car can cost up to 25% less because new vehicles keep occupants safer.
  • Data Collection Discounts – Drivers who agree to allow their car insurance company to study their driving habits by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they have good driving habits.
  • No Claims – Good drivers with no accidents have much lower rates when compared with accident-prone drivers.
  • Full Payment Discount – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Senior Citizens – If you qualify as a senior citizen, you may receive better car insurance rates on TrailBlazer coverage.
  • Discount for Low Mileage – Driving fewer miles could qualify for discounted rates on garaged vehicles.
  • Early Signing – A few larger companies allow discounts for switching policies before your current expiration date. It’s a savings of about 10%.
  • Discounts for Seat Belt Usage – Requiring all passengers to buckle up before driving could cut 10% or more on the premium charged for medical payments and/or PIP.
  • Driver’s Education for Students – Require your teen driver to successfully complete driver’s ed class as it can save substantially.

Don’t be shocked that most credits do not apply to the entire cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, it doesn’t quite work that way.

Companies and a summarized list of policyholder discounts are shown below.

  • Farmers Insurance offers premium reductions for teen driver, early shopping, electronic funds transfer, youthful driver, switch companies, and mature driver.
  • Esurance policyholders can earn discounts including emergency road assistance, safety device, online quote, renters, and claim free.
  • State Farm may have discounts that include accident-free, Steer Clear safe driver discount, anti-theft, Drive Safe & Save, and driver’s education.
  • GEICO has discounts for multi-vehicle, military active duty, good student, defensive driver, and driver training.
  • Allstate offers discounts for anti-theft, new car, FullPay discount, 55 and retired, senior citizen, and premier plus.

If you need low cost car insurance quotes, ask all companies you are considering how many discounts you can get. Some of the discounts discussed earlier may not apply to policies in every state. To locate insurers that can offer you the previously mentioned discounts, follow this link.

What determines Chevy TrailBlazer insurance rates?

Consumers need to have an understanding of some of the things that help determine your insurance rates. If you have a feel for what positively or negatively impacts your premiums, this enables informed choices that can earn you cheaper rates. Many different elements are part of the equation when you get a price on insurance. Some are pretty understandable like a motor vehicle report, but other factors are more obscure like your vehicle usage or your vehicle rating.

  • Deter vehicle theft – Driving a car that has an advanced theft prevention system can earn a premium discount. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.
  • High credit rating translates to low prices – Your credit history is likely to be a major factor in determining your rates. People that have very good credit scores tend to file fewer claims and have better driving records than drivers who have bad credit. So if your credit rating can be improved, you may save money insuring your 2003 Chevrolet TrailBlazer if you improve your credit rating.
  • Getting married can save you money – Having a spouse actually saves money when buying insurance. Having a spouse demonstrates that you tend to be more mature and responsible it has been statistically shown that drivers who are married are more cautious.
  • Men pay more for insurance coverage – Over the last 50 years, statistics have shown that females take fewer risks when driving. This data doesn’t prove that females are better at driving than males. Males and females get in auto accidents in similar percentages, but the men get into accidents with more damage. Men also have more aggressive citations like DWI (DUI) or reckless driving.
  • Employer and insurance rates – Occupational choices like military personnel, social workers and miners are shown to have higher rates than the rest of us attributed to high stress levels and long work days. Conversely, jobs such as actors, students and performers pay the least on TrailBlazer coverage.

Insurance coverage can be complex

When it comes to buying the right insurance coverage, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions might help in determining if your insurance needs might need an agent’s assistance.

  • Should I get collision insurance on every vehicle?
  • Am I insured when driving a different vehicle?
  • What is covered by UM/UIM coverage?
  • I have a DUI can I still get coverage?
  • Is pleasure use cheaper than using my 2003 Chevy TrailBlazer to commute?
  • What if I owe more than I can insure my car for?
  • Can I make deliveries for my home business?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I missing any policy discounts?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Auto insurance 101

Understanding the coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages offered by insurance companies.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Chevy TrailBlazer.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Coverage for liability – This coverage will cover damage that occurs to a person or their property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like attorney fees, medical services, loss of income and legal defense fees. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Collision coverages – This covers damage to your TrailBlazer caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like damaging your car on a curb, rolling your car and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for immediate expenses for ambulance fees, chiropractic care, surgery, X-ray expenses and hospital visits. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance – This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, hitting a deer, fire damage, a broken windshield and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

A fool and his money are soon parted

Budget-conscious 2003 Chevy TrailBlazer insurance can be sourced on the web and also from your neighborhood agents, so you should compare both to get a complete price analysis. Some insurance coverage companies don’t offer the ability to get quotes online and these smaller companies sell through local independent agencies.

We just presented some good ideas how you can save on 2003 Chevy TrailBlazer insurance. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the lowest prices come from a lesser-known regional company. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as State Farm and Allstate.

More detailed insurance coverage information is available at these sites: