Comparing Car Insurance for a Chevy TrailBlazer Made Easy

Finding the cheapest insurance for your Chevy TrailBlazer can be a lot of work, but you can learn these tips to save time. There are both good and bad ways to shop for car insurance and we’ll show you the absolute fastest way to price shop coverage for a Chevy and find the lowest possible price either online or from local insurance agents.

Buying car insurance is not that difficult. If you have a current car insurance policy or need new coverage, you can use these techniques to cut your premiums while maximizing coverage. Drivers just need to know the proper methods to shop on the web.

Parts of the Chevy TrailBlazer rate equation

Smart consumers have a good feel for the rating factors that play a part in calculating car insurance rates. Knowing what influences your rates helps enable you to make changes that could result in lower car insurance prices.

• Do you work long hours in a high stress job? – Jobs such as doctors, business owners and accountants tend to pay higher rates than average in part from job stress and long work days. On the flip side, occupations like scientists, athletes and the unemployed have the lowest average rates on TrailBlazer coverage.
• Don’t buy coverages you don’t need – There are a ton of extra coverages that you can get tricked into buying when buying car insurance. Coverages for personal injury protection, accidental death and term life insurance may be wasting your money. These coverages may sound good initially, but if they’re wasting money eliminate them to save money.
• Never go without insurance – Not having insurance is a misdemeanor and your next policy will cost more because you let your insurance expire. And not only will your rates increase, but not being able to provide proof of insurance can result in a steep fine or even jail time.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
• The more you drive the more you pay – The more miles you rack up on your Chevy in a year the higher your rate. Almost all companies charge to insure your cars determined by how the vehicle is used. Cars left parked in the garage qualify for better rates compared to those used for work or business. Make sure your car insurance policy properly reflects how each vehicle is driven. If your policy improperly rates your TrailBlazer can cost quite a bit.
• Don’t skimp on liability – Your policy’s liability coverage provides coverage if ever you are found to be at fault for causing damage or personal injury in an accident. It will provide legal defense up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.
• Poor credit can mean higher rates – Credit rating is a important factor in your rate calculation. Drivers with excellent credit tend to file fewer claims and have better driving records as compared to drivers with lower credit scores. Therefore, if your credit history can use some improvement, you could potentially save money when insuring your Chevrolet TrailBlazer by repairing your credit.
• Are you male or female? – Statistics show that men are more aggressive behind the wheel. Now that doesn’t mean women are better drivers. Men and women are in accidents in similar percentages, but the male of the species tend to have more serious accidents. Men also tend to have more aggressive citations such as DWI and reckless driving.
• Pay less after the wedding – Being married can actually save you money on your car insurance policy. Having a significant other usually means you are more mature and it’s statistically proven that being married results in fewer claims.

Which Car Insurance is Cheapest?

Lowering your Chevy TrailBlazer car insurance rates is a fairly straight forward process. Drivers just need to take a couple of minutes comparing price quotes provided by online insurance companies. This can be done in several different ways.

1. One of the simplest ways consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This easy form eliminates the need for separate quotes for each company. In just a few minutes this one form will get you rate comparisons instantly. It’s definitely the quickest method.
2. Another way to get comparison quotes consists of visiting each company website and request a quote. For example, let’s say you want to compare rates from USAA, Farmers and State Farm. To find out each rate you need to spend time on each company’s site and enter your policy data, which is why the first method is quicker.

   For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but ensure you’re using apples-to-apples coverage limits with every price quote. If you enter unequal deductibles or liability limits then you won’t be able to find the best deal for your Chevy TrailBlazer.

Don’t believe everything you hear

Consumers can’t ignore all the ads for cheaper car insurance by companies like State Farm and Allstate. All the ads make an identical promise that you can save if you change to them.

How does each company make almost identical claims? It’s all in the numbers.

Insurance companies are able to cherry pick for the type of driver that is profitable for them. A good example of a driver they prefer could be between the ages of 40 and 55, is a homeowner, and has a high credit rating. A propective insured who fits that profile gets the lowest rates and is almost guaranteed to cut their rates substantially.

Drivers who are not a match for these standards must pay more money which leads to business not being written. The ads state “customers that switch” not “people who quote” save that kind of money. That’s the way insurance companies can advertise the way they do. This illustrates why it is so important to quote coverage with many companies. Because you never know the company that will give you the biggest savings.

Verify you’re getting all your discounts

Auto insurance companies don’t always list every discount in an easy-to-find place, so we researched both well-publicized as well as the least known savings tricks you should be using. If they aren’t giving you every credit possible, you’re paying more than you need to.

• No Claims – Drivers with accident-free driving histories can save substantially when compared to frequent claim filers.
• Save over 55 – Mature drivers can possibly qualify for a discount up to 10% on TrailBlazer coverage.
• Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
• Organization Discounts – Belonging to a qualifying organization is a good way to get lower rates when shopping for car insurance on TrailBlazer coverage.
• Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
• Fewer Miles Equal More Savings – Keeping the miles down on your Chevy can qualify you for discounted rates on garaged vehicles.
• Resident Student – Youth drivers who are attending college without a vehicle on campus may be able to be covered for less.
• Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.

As a disclaimer on discounts, some credits don’t apply to your bottom line cost. Some only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

For a list of insurance companies with the best car insurance discounts, click here.

Quote often and quote early

When trying to cut insurance costs, it’s a bad idea to reduce coverage to reduce premium. In many instances, an accident victim reduced liability limits or collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to find the BEST coverage at the best price, not the least amount of coverage.

Drivers leave their current company for a variety of reasons including high prices, delays in responding to claim requests, questionable increases in premium and even policy cancellation. Regardless of your reason, finding a new company can be pretty painless.

You just learned many ways to reduce Chevy TrailBlazer insurance prices online. It’s most important to understand that the more providers you compare, the higher your chance of finding lower rates. Consumers may even find the best prices are with the smaller companies.