2009 Chevrolet TrailBlazer Car Insurance Quotes – 6 Tips for Cheaper Rates

Trying to find cheaper car insurance rates for your Chevrolet TrailBlazer? Nobody I know looks forward to paying for car insurance, particularly when the cost is way too high. Because there are so many options, it is hard for the average consumer to pick the lowest cost company.

Choosing the best insurance company for you is easy if you know what you’re doing. If you are paying for car insurance now, you should be able to cut costs considerably using these tips. Consumers just need to know the proper way to compare prices on the web.

How to Lower Your Car Insurance Cost

All the larger car insurance companies quote insurance quotes online. Getting quotes doesn’t take a lot of time as you simply type in your coverage preferences as detailed in the form. Once you submit the form, their system obtains your driving record and credit report and returns pricing information based on these and other factors. This helps simplify price comparisons, but having to visit a lot of sites and type in the same information can be a bit tiresome and repetitive. But it’s absolutely necessary to do this in order to get the lowest car insurance rates.

The easiest way to compare rates requires only one form that analyzes rates from more than one company. It’s a real time-saver, reduces the work, and makes rate comparisons much more enjoyable and efficient. After sending the form, it gets priced and you can choose any of the pricing results. If the quotes result in lower rates, you can simply submit the application and purchase the new policy. It takes less than 15 minutes and may result in a nice savings.

To save time and compare pricing, click here to open in a new tab and submit your coverage information. If you have coverage now, it’s recommended you copy the limits and deductibles as close as possible to your current policy. Doing this assures you will have a rate comparison using the exact same coverages.

Don’t miss out on these six money-saving discounts

Auto insurance companies don’t always publicize all available discounts in a way that’s easy to find, so we took the time to find some of the more common as well as the least known savings tricks you should be using. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Club Memberships – Belonging to a civic or occupational organization may earn a discount when buying insurance for TrailBlazer insurance.
  • Bundle and Save – If you insure your home and vehicles with one insurance company you will save up to 20% off your total premium.
  • Federal Employees – Active or retired federal employment may qualify you for a discount for TrailBlazer insurance with a few insurance companies.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can get savings of more than 20%.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Paperwork-free – Certain companies give back up to $50 just for signing your application digitally online.

It’s important to understand that most credits do not apply to all coverage premiums. Some only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, it doesn’t quite work that way.

Insurance companies that may offer some of the above discounts include:

Before buying, ask each company which discounts you may be entitled to. Some discounts might not apply in every state.

Do I need special coverages?

When it comes to choosing coverage for your personal vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions can help discover if your insurance needs may require specific advice.

  • Do I pay less for low miles?
  • Are my friends covered when driving my 2009 Chevy TrailBlazer?
  • Do I need higher collision deductibles?
  • Should I sign the liability waiver when renting a car?
  • Is other people’s property covered if stolen from my vehicle?
  • What if I total my 2009 Chevy TrailBlazer and owe more than it’s worth?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Learn about auto insurance coverages for a Chevy TrailBlazer

Understanding the coverages of a auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from auto insurance companies.

Liability coverages

Liability insurance will cover damage that occurs to other people or property. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against things like medical services, structural damage and legal defense fees. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.

Collision coverage protection

Collision insurance covers damage to your TrailBlazer caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as damaging your car on a curb, colliding with another moving vehicle and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from flooding, theft, rock chips in glass, a tree branch falling on your vehicle and fire damage. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Chevy TrailBlazer.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for expenses such as doctor visits, rehabilitation expenses, chiropractic care and pain medications. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Buy online or local, you save

We’ve covered quite a bit of information on how to get a better price on 2009 Chevy TrailBlazer insurance. The key thing to remember is the more you quote, the better your comparison will be. Consumers may even find the best price on insurance is with a small mutual company. These smaller insurers may cover specific market segments cheaper than their larger competitors like Progressive or Geico.

Cheap insurance can be sourced online as well as from independent agents, so compare prices from both to have the best chance of lowering rates. A few companies don’t offer online quoting and most of the time these small, regional companies sell through independent agents.

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