2007 Chevrolet TrailBlazer Car Insurance Quotes – 5 Savings Tips

Drivers have a choice when trying to find the lowest priced Chevy TrailBlazer insurance. You can either waste hours driving around to get rate comparisons or use the internet to compare rates. There are both good and bad ways to buy car insurance and you need to know the absolute fastest way to get price quotes on a Chevy and find the cheapest rates either online or from local insurance agents.

Find discounts on insurance coverage

Companies offering auto insurance do not advertise every available discount in a way that’s easy to find, so the list below contains some of the best known and the harder-to-find credits available to bring down your rates.

  • Defensive Driver Discount – Taking time to complete a safe driver class may get you a small discount if your company offers it.
  • Service Members Pay Less – Being deployed in the military may qualify for rate reductions.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying in monthly installments you could save up to 5%.
  • Claim-Free Discount – Good drivers with no accidents are rewarded with significantly better rates on insurance coverage quote in comparison with drivers who are more careless.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education as it can save substantially.

It’s important to note that most discounts do not apply to the entire cost. Most only reduce specific coverage prices like physical damage coverage or medical payments. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way.

The best insurance coverage companies and their offered discounts are:

  • State Farm may offer discounts for Steer Clear safe driver discount, passive restraint, good driver, driver’s education, and anti-theft.
  • GEICO may include discounts for multi-policy, multi-vehicle, air bags, federal employee, military active duty, and defensive driver.
  • Liberty Mutual has discounts for new graduate, new move discount, good student, multi-policy, and new vehicle discount.
  • The Hartford offers discounts including vehicle fuel type, defensive driver, bundle, good student, and air bag.
  • MetLife discounts include multi-policy, good driver, good student, claim-free, accident-free, and defensive driver.
  • Progressive includes discounts for multi-policy, homeowner, online quote discount, online signing, continuous coverage, multi-vehicle, and good student.

Before buying, ask all the companies which discounts can lower your rates. Some discounts listed above might not be offered in your area. To view companies with significant discounts, click here.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Each situation is unique.

For example, these questions could help you determine whether your personal situation might need an agent’s assistance.

  • Am I getting all the discounts available?
  • Is my nanny covered when driving my vehicle?
  • Is my camper covered by my car insurance policy?
  • Is pleasure use cheaper than using my 2007 Chevy TrailBlazer to commute?
  • Is my ex-spouse still covered by my policy?
  • Is extra glass coverage worth it?
  • What is PIP insurance?
  • What are the financial responsibility laws in my state?
  • Should I get collision insurance on every vehicle?
  • What if I don’t agree with a claim settlement offer?

If you can’t answer these questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage in the media

Consumers can’t get away from all the ads that claim the best prices from the likes of Allstate, GEICO and Progressive. All the ads tend to make the same promise that you can save after switching your insurance coverage policy to them.

How can each company make almost identical claims? It’s all in how they say it.

Different companies have a certain “appetite” for a prospective insured that earns them the highest profit. For instance, a profitable customer might have to be over the age of 50, carries full coverage, and has a high credit rating. Any person who meets those qualifications will most likely get cheap prices and will save when switching.

Insureds who do not meet this stringent profile will have to pay a more expensive rate which usually ends up with business going elsewhere. The trick is to say “drivers who switch” not “all people who quote” will save that much if they switch. That is how insurance companies can advertise the way they do. Different companies use different criteria so it’s extremely important to compare free insurance coverage quotes often. Because you never know which company will fit your personal profile best.

Information about specific coverages

Knowing the specifics of your policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability

This coverage protects you from damages or injuries you inflict on other’s property or people. This coverage protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers claims such as attorney fees, court costs, pain and suffering, legal defense fees and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive insurance

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, damage from flooding, hitting a bird, fire damage and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as X-ray expenses, pain medications, prosthetic devices and hospital visits. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision protection

Collision insurance will pay to fix damage to your TrailBlazer from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as scraping a guard rail, hitting a mailbox, crashing into a building, rolling your car and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

In the end, you save

As you restructure your insurance plan, never sacrifice coverage to reduce premiums. There are a lot of situations where consumers will sacrifice liability limits or collision coverage only to regret at claim time they didn’t purchase enough coverage. The proper strategy is to buy enough coverage at the best cost while not skimping on critical coverages.

In this article, we presented some good ideas how you can compare 2007 Chevy TrailBlazer insurance rates online. The key concept to understand is the more you quote insurance coverage, the more likely it is that you will get a better rate. You may be surprised to find that the best rates are with the smaller companies.

Some companies do not provide rates over the internet smaller providers provide coverage only through independent agents. Cheap 2007 Chevy TrailBlazer insurance can be bought from both online companies in addition to many insurance agents, so you need to compare both in order to have the best chance of saving money.

More information is available at the links below