2007 Chevrolet TrailBlazer Insurance Rates

Shoppers have many options when shopping for the lowest priced Chevy TrailBlazer insurance. You can either waste hours driving around to compare prices or utilize the internet to compare rates.

There are both good and bad ways to find insurance online and we’ll show you the absolute fastest way to price shop coverage on a Chevy and obtain the cheapest rates either online or from local insurance agents.

Finding Insurance Coverage

There are several ways you can shop for Chevy TrailBlazer insurance coverage but there is one way that is less time-consuming than others. You could waste a few hours talking to local insurance agents in your area, or you could use online quotes to accomplish the same thing much quicker.

All the larger companies participate in an industry program where insurance shoppers enter their coverage request one time, and at least one company returns a rated price based on the submitted data. This saves time by eliminating quote requests to each company.

To find out how much you can save on insurance coverage click here to start a free quote.

The single downside to using this type of system is that you can’t choose the insurers you want pricing from. So if you prefer to pick individual companies to compare, we have assembled a list of insurance coverage companies in your area. Click here to view list.

It’s up to you which method you use, but be sure to compare the exact same coverage limits and deductibles for each comparison quote. If you enter different limits and deductibles on each one it will be impossible to determine the lowest rate for your Chevy TrailBlazer.

Policy discounts you shouldn’t miss

Car insurance is not cheap, but you can get discounts to help bring down the price. Larger premium reductions will be automatically applied at the time of purchase, but a few must be inquired about prior to getting the savings. If you don’t get every credit available, you are throwing money away.

  • Student in College – Children living away from home attending college and do not have a car can be insured at a reduced rate.
  • Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education in school.
  • Claim Free – Drivers who don’t have accidents pay less when compared to bad drivers.
  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you can actually save on your bill.

It’s important to understand that many deductions do not apply to your bottom line cost. Some only apply to specific coverage prices like liability, collision or medical payments. So even though they make it sound like it’s possible to get free car insurance, companies don’t profit that way. Any amount of discount will reduce your overall premium however.

Car insurance companies who might offer some of the above discounts are:

Double check with every prospective company which discounts they offer. Savings may not be available in your state.

Insurance agents can help

When buying proper insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Each situation is unique.

For example, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • Is there coverage for injuries to my pets?
  • Is my babysitter covered when using my vehicle?
  • Am I covered if I break a side mirror?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How much can I save by bundling my policies?
  • What is covered by UM/UIM coverage?
  • At what point should I drop full coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Should I sign the liability waiver when renting a car?
  • Are my tools covered if they get stolen from my vehicle?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Car insurance 101

Learning about specific coverages of insurance helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverage

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

Comprehensive coverage pays for claims such as fire damage, a tree branch falling on your vehicle and theft. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage protection

Collision insurance covers damage to your TrailBlazer caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as backing into a parked car, hitting a mailbox, colliding with a tree, crashing into a building and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as funeral costs, chiropractic care, prosthetic devices and doctor visits. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability auto insurance

Liability insurance protects you from damages or injuries you inflict on other people or property that is your fault. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability can pay for things such as medical expenses, structural damage, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.