Cheaper 2002 Chevrolet TrailBlazer Car Insurance Rates

Did you fall for a flashy sales pitch and buy an overpriced insurance policy? Trust us, there are many consumers feeling the pinch from expensive insurance. You have multiple car insurance companies to choose from, and although it’s a good thing to have a choice, too many choices makes it more difficult to compare rates.

Cheap Car Insurance Comparisons

Shopping for lower car insurance rates can take hours if you don’t utilize the fastest way to get free quotes. You can waste hours talking about coverages with agents in your area, or you could use online quotes to quickly compare rates.

Most of the larger companies take part in a program that enables customers to enter their coverage request one time, and at least one company provides a quote based on the submitted data. This prevents consumers from doing quotation requests to each individual car insurance company.

To compare 2002 Chevy TrailBlazer rates now click here to open in new window.

The only drawback to using this type of system is that consumers can’t choose which carriers you will receive quotes from. So if you want to select individual companies to receive pricing from, we have assembled a list of car insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, make darn sure you compare identical information with each company. If your comparisons have different limits and deductibles on each one it will be very difficult to find the best deal for your Chevy TrailBlazer.

Tailor your coverage to you

When buying the right insurance coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that could help you determine whether or not you would benefit from an agent’s advice.

• Is pleasure use cheaper than using my 2002 Chevy TrailBlazer to commute?
• Does my policy cover my teen driver if they drive my company car?
• If I drive on a suspended license am I covered?
• Am I covered if hit by an uninsured driver?
• What companies insure drivers after a DUI or DWI?
• Is my dog or cat covered if injured in an accident?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Learn about insurance coverages for a 2002 Chevy TrailBlazer

Having a good grasp of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types found on the average insurance policy.

Collision coverage protection

This coverage 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 and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a ditch, hitting a parking meter, colliding with another moving vehicle, sideswiping another vehicle and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as fire damage, hitting a deer and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like funeral costs, hospital visits and nursing services. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Liability

This protects you from damage or injury you incur to a person or their property in an accident. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like medical services, medical expenses and loss of income. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 2002 Chevy TrailBlazer.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Usually these limits are similar to your liability insurance amounts.