Save on 2005 Chevrolet TrailBlazer EXT Car Insurance Rates

Paying for high-priced Chevrolet TrailBlazer EXT insurance can drain your bank account and put the squeeze on your family’s finances. Comparing price quotes is free and is an excellent way to cut your insurance bill. Since consumers have many insurance companies to choose from, it’s nearly impossible to choose the most affordable provider.

The best way we recommend to compare car insurance rates utilizes the fact all the major auto insurance companies participate in online systems to compare their rates. To begin a comparison, all you need to do is give them some information such as daily mileage, if you have an active license, if you went to college, and the year, make and model of vehicles. Those rating factors is automatically sent to all major companies and you get price estimates instantly to find the best rate.

To start a quote now, click here and complete the quick form.

How to reduce Chevy TrailBlazer EXT insurance rates

Companies offering auto insurance don’t always advertise every available discount very clearly, so we break down both the well known and the more hidden discounts you could be receiving. If you’re not getting every credit available, you are throwing money away.

  • Distant Student – Youth drivers who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
  • Discounts for Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for TrailBlazer EXT insurance than less cautious drivers.
  • Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • No Claims – Drivers with accident-free driving histories pay much less when compared to bad drivers.
  • Multiple Vehicles – Having multiple vehicles on one policy may reduce the rate for each vehicle.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Most cut specific coverage prices like comprehensive or collision. So when it seems like you would end up receiving a 100% discount, car insurance companies aren’t that generous.

Car insurance companies that may offer some of the above discounts may include but are not limited to:

Before buying, ask all companies you are considering what discounts are available to you. All car insurance discounts may not be available in your state.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different and your policy should reflect that. For example, these questions may help highlight if you would benefit from professional advice.

  • When should I not file a claim?
  • Where can I get insurance after a DUI in my state?
  • How can I get high-risk coverage after a DUI?
  • What is no-fault insurance?
  • How much liability insurance is required?
  • How does medical payments coverage work?
  • Is rental equipment covered for theft or damage?
  • What if I owe more than I can insure my car for?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Car insurance coverages 101

Learning about specific coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are the usual coverages offered by car insurance companies.

Uninsured and underinsured coverage

Your UM/UIM 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 2005 Chevy TrailBlazer EXT.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses for pain medications, nursing services, dental work and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Collision insurance

This pays for damage to your TrailBlazer EXT from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a building, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, damage from a tornado or hurricane, hail damage and rock chips in glass. The most a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability

Liability insurance provides protection from injuries or damage you cause to people or other property. It protects you from claims by other people. Liability doesn’t 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. You commonly see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for claims such as pain and suffering, bail bonds and loss of income. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Be a smart shopper

Affordable 2005 Chevy TrailBlazer EXT insurance is possible from both online companies and with local insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

We just presented quite a bit of information on how to get a better price on insurance. The most important thing to understand is the more times you quote, the higher your chance of finding lower rates. You may be surprised to find that the best prices are with a small local company. Regional companies may cover specific market segments cheaper as compared to the big name companies such as Geico and State Farm.

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