How Much Does 2006 Chevrolet TrailBlazer Insurance Cost?

Looking for better auto insurance rates for your Chevrolet TrailBlazer? Pricey Chevrolet TrailBlazer insurance can take a big chunk out of your bank account, especially in this economy. Shopping your coverage around is a fast and free way to ensure you are getting the best deal.

Because you have many options, it can be hard to pick the right insurance company.

Discounts to earn cheaper auto insurance rates

Companies don’t list the complete list of policy discounts very well, so the list below contains a few of the more common in addition to some of the lesser obvious discounts that you may qualify for.

• Anti-theft System – Cars, trucks, and SUVs with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
• Multiple Cars – Insuring multiple vehicles on a single policy can get a discount for every vehicle.
• Claim-Free Discount – Claim-free drivers can save substantially in comparison to bad drivers.
• Use Seat Belts – Using a seat belt and requiring all passengers to buckle up may be able to save a few bucks on medical payment and PIP coverage.
• Military Discounts – Having a family member in the military could mean lower premium rates.
• Low Mileage – Keeping the miles down on your Chevy can earn slightly better prices than normal.
• Telematics Discount – Insureds that choose to allow their insurance company to look at driving habits through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if their driving habits are good.
• Homeowners Savings – Simply owning a home may earn you a small savings since home ownership requires personal responsibility.
• Good Grades Discount – This discount may save you up to 25%. Many companies even apply the discount to college students up until you turn 25.
• Employee of Federal Government – Simply working for the federal government could cut as much as 10% off on TrailBlazer insurance with select insurance companies.

As a sidenote, most discounts do not apply to the entire policy premium. Most cut individual premiums such as collision or personal injury protection. So even though it sounds like you could get a free auto insurance policy, companies wouldn’t make money that way.

Large auto insurance companies and some of their more popular discounts include:

• Geico may include discounts for air bags, anti-lock brakes, multi-vehicle, driver training, anti-theft, five-year accident-free, and seat belt use.
• MetLife has savings for good student, accident-free, defensive driver, good driver, multi-policy, claim-free
• Progressive offers discounts including multi-vehicle, multi-policy, online quote discount, good student, and homeowner.
• Travelers discounts include new car, payment discounts, driver training, hybrid/electric vehicle, student away at school, multi-policy, and good student.
• SAFECO has discounts for anti-theft, drive less, accident prevention training, multi-car, and safe driver.
• AAA may offer discounts for education and occupation, multi-policy, good student, pay-in-full, AAA membership discount, multi-car, and anti-theft.

When comparing rates, check with all the companies to give you their best rates. Some discounts listed above may not apply to policies in your area.

Tailor your insurance coverage to you

When choosing the right insurance coverage, there really is not a “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions can aid in determining if you will benefit from professional help.

• Do I need PIP (personal injury protection) coverage in my state?
• When would I need additional glass coverage?
• Is my Chevy TrailBlazer covered if I use it for business?
• How high should deductibles be on a 2006 Chevy TrailBlazer?
• Can I drive in Mexico and have coverage?
• Is my dog or cat covered if injured in an accident?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Will I lose any money if I cancel my policy before it expires?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Car insurance policy specifics

Knowing the specifics of car insurance helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are typical coverages available from car insurance companies.

Comprehensive coverage

This pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, hail damage, damage from a tornado or hurricane and fire damage. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage

Collision coverage covers damage to your TrailBlazer resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with another moving vehicle, sideswiping another vehicle, hitting a mailbox, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your 2006 Chevy TrailBlazer.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Normally these coverages are similar to your liability insurance amounts.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like chiropractic care, prosthetic devices, funeral costs, hospital visits and nursing services. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for liability

This coverage can cover damages or injuries you inflict on a person or their property in an accident. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things such as medical services, loss of income, funeral expenses, legal defense fees and attorney fees. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Don’t break the bank

As you restructure your insurance plan, it’s very important that you do not reduce needed coverages to save money. There have been many cases where consumers will sacrifice collision coverage to discover at claim time they didn’t have enough coverage. Your goal is to get the best coverage possible for the lowest cost.

Throughout this article, we presented some good ideas how you can reduce 2006 Chevy TrailBlazer insurance premium rates online. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the biggest savings come from some of the smallest insurance companies. These companies may only write in your state and offer lower prices than the large multi-state companies such as State Farm and Allstate.

For more information, feel free to visit the following helpful articles:

• What is a Telematics Device? (Allstate)
• A Tree Fell on Your Car: Now What? (Allstate)
• Medical Payments Coverage (Liberty Mutual)
• What is Covered by GAP Insurance? (Allstate)