2004 Chevrolet TrailBlazer EXT Insurance Quotes – 7 Ideas for Best Rates

Searching for the cheapest insurance coverage rates for your Chevrolet TrailBlazer EXT? Tired of robbing Peter to pay Paul to pay high insurance coverage rates every month? Your situation is no different than many other consumers. Many insurance companies vie for your insurance dollar, and because of this it can be hard to compare insurance companies to find the lowest cost out there.

You should make it a habit to quote other rates on a regular basis because prices are variable and change quite frequently. Even if you got the lowest rates on TrailBlazer EXT coverage last year there may be better deals available now. There is a lot of bad information regarding insurance coverage online, but in a few minutes you can learn some great ideas on how to slash your insurance coverage rates.

How much does auto insurance cost?

Finding low cost 2004 Chevy TrailBlazer EXT auto insurance rates is actually quite simple. All that’s required is to take time comparing price quotes to see which company has low cost car insurance quotes. This can easily be done by using one of the methods below.

The most efficient way to get the best comparison quotes would be an industry-wide quote request form (click to open form in new window). This method keeps you from doing separate quotation requests for each company. A single, simple form gets you price quotes from auto insurance companies with the best prices.

Another way to get quotes online is spending the time to visit the website for each individual company and repeat the quote process. For sake of this example, let’s say you are doing a rate comparison from USAA, State Farm and Allstate. In order to get each rate, you would have to navigate to each company’s site and punch in your information repeatedly, which can take a lot of time. For a list of companies in your area, click here.

Whichever way you use, ensure you are comparing identical quote data for every quote you compare. If you enter differing limits you can’t possibly determine which rate is truly the best.

Cut your car insurance rates with these seven discounts

Car insurance can be pricey, but there could be available discounts to help bring down the price. A few discounts will automatically apply at quote time, but some must be requested specifically prior to receiving the credit.

  • Professional Memberships – Participating in specific professional or occupational memberships or organizations can get you a small discount when shopping for car insurance.
  • Discounts for New Vehicles – Buying car insurance coverage on a new vehicle can save you some money due to better safety requirements for new vehicles.
  • Good Grades Discount – Performing well in school can be rewarded with saving of up to 25%. You can use this discount normally until age 25.
  • Low Mileage – Driving fewer miles could qualify for lower car insurancerates due to less chance of an accident.
  • Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you can avoid the installment charge.
  • Paper-free Discount – A few companies will discount your bill up to fifty bucks for buying your policy digitally online.
  • No Claims – Insureds with no claims or accidents can earn big discounts as compared to accident-prone drivers.

Don’t be surprised that most discounts do not apply the the whole policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. Even though it appears having all the discounts means you get insurance for free, you aren’t that lucky. But all discounts will positively reduce the premium cost.

Companies and a partial list of their discounts are detailed below.

  • State Farm may offer discounts for defensive driving training, Drive Safe & Save, good student, safe vehicle, accident-free, driver’s education, and anti-theft.
  • Esurance offers premium reductions for Switch & Save, multi-policy, claim free, defensive driver, multi-car, and online quote.
  • Progressive offers discounts including continuous coverage, good student, homeowner, multi-policy, and multi-vehicle.
  • Liberty Mutual may include discounts for safety features, new vehicle discount, newly married, multi-policy, preferred payment discount, and newly retired.
  • Auto-Owners Insurance includes discounts for good student, multiple vehicles, company car, safe driver, safe vehicle, and mature driver.
  • GEICO offers discounts for federal employee, good student, anti-theft, defensive driver, membership and employees, and seat belt use.

If you are trying to find inexpensive car insurance quotes, ask each insurance company which discounts you may be entitled to. Depending on the company, some discounts might not be offered in every state. If you would like to view insurance companies that offer many of these discounts, click here to view.

You are unique and your auto insurance should be too

When it comes to buying adequate coverage for your personal vehicles, there really is no best way to insure your cars. Every situation is different so your insurance needs to address that. For example, these questions might point out whether you might need professional guidance.

  • Do I need higher collision deductibles?
  • How does medical payments coverage work?
  • If my 2004 Chevy TrailBlazer EXT is totaled, can I afford another vehicle?
  • Are split liability limits better than a combined single limit?
  • Is my dog or cat covered if injured in an accident?
  • Do I have coverage when pulling a U-Haul trailer?
  • Are rock chip repairs covered?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • How can I get high-risk coverage after a DUI?
  • Is a fancy paint job covered?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with 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. It’s fast, free and can provide invaluable advice.

What insurance coverages do you need?

Knowing the specifics of insurance can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Shown next are the normal coverages offered by insurance companies.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like falling objects, damage from a tornado or hurricane, vandalism, theft and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like nursing services, doctor visits and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability coverage provides protection from damage or injury you incur to other people or property in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like structural damage, medical expenses and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision insurance

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with a tree, hitting a mailbox, hitting a parking meter, damaging your car on a curb and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Chevy TrailBlazer EXT.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Save for a rainy day

Some insurance coverage companies do not provide rates over the internet and these smaller providers sell through independent insurance agents. Cost effective 2004 Chevy TrailBlazer EXT insurance can be bought online as well as from insurance agents, so you need to compare both in order to have the best chance of saving money.

As you go through the steps to switch your coverage, don’t be tempted to skimp on critical coverages to save a buck or two. Too many times, someone sacrificed liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at the lowest possible cost while not skimping on critical coverages.

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