Compare 2005 Chevrolet TrailBlazer EXT Insurance Quotes

Want better car insurance rates? Drivers have lots of choices when trying to find affordable Chevy TrailBlazer EXT insurance. You can either spend your time calling around getting price quotes or save time using the internet to get rate quotes.

There is a right way and a wrong way to find car insurance online and you need to know the proper way to get price quotes for a Chevy and locate the lowest possible price.

Save big with these discounts

Car insurance is not cheap, but you may find discounts to help bring down the price. Larger premium reductions will be automatically applied when you complete an application, but less common discounts must be asked for before being credited. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Drive Safe and Save – Safe drivers may receive a discount up to 45% less on TrailBlazer EXT coverage than their less cautious counterparts.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Air Bag Discount – Vehicles with factory air bags can get savings of more than 20%.
  • Homeowners Discount – Simply owning a home can save you money because maintaining a house requires personal responsibility.
  • Discount for Life Insurance – Some companies give a break if you buy life insurance from them.
  • Defensive Driver – Taking part in a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Sign Online – Some insurance companies will discount your bill up to fifty bucks simply for signing over the internet.

Consumers should know that most discount credits are not given to your bottom line cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like you could get a free car insurance policy, it just doesn’t work that way. But all discounts will reduce your premiums.

Companies that may offer these benefits may include but are not limited to:

Double check with each insurance company how you can save money. Discounts might not apply in your area.

But I don’t know anything about car insurance

When it comes to buying coverage, there really is no best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that could help you determine if you might need professional guidance.

  • Does my policy cover my teen driver if they drive my company car?
  • Will I lose any money if I cancel my policy before it expires?
  • Is my babysitter covered when using my vehicle?
  • Is business property covered if stolen from my car?
  • Do I pay less for low miles?
  • What can I do if my company won’t pay a claim?
  • Do I have coverage when making deliveries for my home business?
  • What should my uninsured motorist coverage limits be in my state?

If you can’t answer these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Can you really save that much by switching?

Drivers get pounded daily by advertisements for car insurance savings by 21st Century, Allstate and State Farm. They all seem to make the same claim of big savings if you switch to their company.

How can each company say the same thing?

All the different companies can use profiling for the type of customer that is profitable for them. A good example of a driver they prefer might be over the age of 50, owns a home, and drives newer vehicles. Any driver who matches those parameters gets the lowest rates and most likely will cut their rates substantially.

Potential insureds who are not a match for these standards will be quoted more money which leads to the driver buying from a lower-cost company. The ad wording is “customers that switch” but not “drivers who get quotes” save that much money. That’s why companies can advertise the way they do.

This emphasizes why it is so important to compare as many rates as you can. It’s just too difficult to predict which car insurance company will give you the biggest savings on Chevy TrailBlazer EXT insurance.

Insurance coverages and their meanings

Learning about specific coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your 2005 Chevy TrailBlazer EXT.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage

Collision insurance will pay to fix damage to your TrailBlazer EXT resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like hitting a parking meter, sustaining damage from a pot hole, colliding with another moving vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hail damage, hitting a deer, hitting a bird, a tree branch falling on your vehicle and vandalism. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability auto insurance

This protects you from damage or injury you incur to other people or property that is your fault. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like structural damage, court costs, legal defense fees and pain and suffering. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for immediate expenses for doctor visits, dental work, rehabilitation expenses and funeral costs. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. PIP is not universally available and may carry a deductible

In Summary

We just covered a lot of tips how to save on 2005 Chevy TrailBlazer EXT insurance. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may even discover the lowest premiums are with some of the smallest insurance companies.

As you go through the steps to switch your coverage, it’s very important that you do not buy poor coverage just to save money. Too many times, an insured cut collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to buy a smart amount of coverage at an affordable rate.

Insureds change insurance companies for many reasons like questionable increases in premium, an unsatisfactory settlement offer, policy non-renewal and even denial of a claim. Regardless of your reason for switching companies, switching insurance companies is less work than it seems.

Additional resources