2006 Chevrolet TrailBlazer EXT Car Insurance Cost – 8 Savings Tips

Looking for better car insurance rates for your Chevrolet TrailBlazer EXT? Having to pay for overpriced Chevrolet TrailBlazer EXT insurance can eat up your savings and put the squeeze on your family’s finances. Performing a price comparison can save money and help to lower your monthly bill.

Because you have many different company options, it can be diffult for drivers to find the most affordable car insurance company.

Consumers need to check car insurance prices before your next renewal because rates trend upward over time. Even if you think you had the best rate on TrailBlazer EXT coverage a few years ago there may be better deals available now. Ignore everything you know about car insurance because you’re going to learn the best methods to reduce your cost while increasing coverage.

Do you qualify for discount auto insurance?

Some insurance providers don’t always publicize every discount very clearly, so the list below details some of the more common as well as some of the hidden credits available to lower your premiums when you buy car insurance online.

• Home Ownership Discount – Owning a house may earn you a small savings since owning and maintaining a home requires personal responsibility.
• Driver Training Discounts – Passing a course in defensive driver may get you a small discount and easily recoup the cost of the course.
• Senior Citizen Rates – If you’re over the age of 55, you may be able to get a small decrease in premiums on TrailBlazer EXT coverage.
• Theft Deterent Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen with less frequency so companies will give you a small discount.
• Professional Memberships – Belonging to certain professional organizations could qualify you for a break when getting a car insurance quote.
• Full Payment Discount – If you pay your entire premium ahead of time instead of making monthly payments you can avoid monthly service charges.
• Student Discount for Driver Training – It’s a good idea to have your young drivers participate in a local driver’s education class in school or through a local driver safety program.
• No Claim Discounts – Claim-free drivers get the best auto insurance rates when compared with bad drivers.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, you aren’t that lucky. But all discounts will cut your auto insurance premiums.

Some companies that may offer quotes with some of the above discounts may include but are not limited to:

• State Farm
• Progressive
• Progressive
• MetLife
• Farm Bureau
• Geico
• SAFECO

If you want the cheapest car insurance quotes, ask every prospective company how many discounts you can get. Some discounts may not apply to policies in your area.

What insurance coverages do I need?

When it comes to buying the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions may help you determine whether you may require specific advice.

• Am I covered if my car is in a flood?
• What is high-risk coverage and where do I buy it?
• Am I covered when driving in Canada or Mexico?
• If my 2006 Chevy TrailBlazer EXT is totaled, can I afford another vehicle?
• Do I have coverage when making deliveries for my home business?
• Do I need roadside assistance coverage?
• How can I find cheaper teen driver insurance?
• Should I bundle my homeowners policy with my auto?
• How do I file an SR-22 for a DUI in my state?
• Am I covered when driving on a suspended license?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance coverages

Understanding the coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages found on the average insurance policy.

Liability coverage

This will cover damage that occurs to a person or their property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as repair costs for stationary objects, medical expenses and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured or underinsured coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chevy TrailBlazer EXT.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision protection

Collision coverage will pay to fix damage to your TrailBlazer EXT caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as backing into a parked car, crashing into a building, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive protection

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, rock chips in glass and fire damage. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as dental work, funeral costs, pain medications, EMT expenses and X-ray expenses. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Be a smart shopper

Budget-conscious 2006 Chevy TrailBlazer EXT insurance can be purchased on the web as well as from independent agents, so get free car insurance quotes from both of them to have the best rate selection. Some companies may not offer online quoting and these smaller providers provide coverage only through independent agents.

When trying to cut insurance costs, it’s not a good idea to skimp on coverage in order to save money. In too many instances, an insured dropped uninsured motorist or liability limits only to regret they didn’t have enough coverage. The goal is to purchase plenty of coverage for the lowest price, but do not skimp to save money.

Other articles

• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Rollover Crash FAQ (iihs.org)
• Understanding Limits and Deductibles (Allstate)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)