Cheaper 2006 Chevrolet TrailBlazer Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jun 27, 2022

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Have you fallen victim to an overpriced insurance coverage policy? Trust us, there are lots of people in the same boat.

Consumers have many insurers to choose from, and even though it’s nice to have a choice, lots of choices makes it harder to find the best rates.

Take advantage of discounts

Car insurance companies don’t always advertise all their discounts in a way that’s easy to find, so we took the time to find some of the best known and the more hidden savings tricks you should be using.

  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Homeowners Discount – Owning a home can save you money because owning a home is proof that your finances are in order.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
  • Multiple Cars – Buying coverage for all your vehicles on one policy could earn a price break for each car.
  • Senior Citizens – If you’re over the age of 55, you may qualify for a small decrease in premiums on TrailBlazer coverage.
  • No Charge for an Accident – A handful of insurance companies will forgive one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
  • Auto/Home Discount – When you combine your home and auto insurance with one company you may save approximately 10% to 15%.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% off your PIP or medical payments premium.
  • Good Student – Getting good grades can save 20 to 25%. The discount lasts well after school through age 25.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, you’re out of luck.

For a list of providers with the best car insurance discounts, click this link.

The method we recommend to compare car insurance rates is to know the trick most insurance companies allow for online access to quote your coverage. To get started, all you need to do is spend a couple of minutes providing details like whether you are married, whether the vehicles are used for commuting, how much education you have, and whether your vehicle is owned or leased. Your insurance information is then submitted to multiple insurance coverage providers and they return quotes within a short period of time.

To start a quote now, click here and enter your coverage details.

Chevy TrailBlazer rates are in the details

Consumers need to have an understanding of the factors that help determine your auto insurance rates. Having a good understanding of what impacts premium levels enables informed choices that will entitle you to big savings.

The following are some of the items auto insurance companies consider when setting prices.

  • Theft deterrents lower rates – Driving a car with an alarm system can help lower your rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
  • Women pay lower rates – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. Men and women are in accidents at about the same rate, but the men cause more damage. Men also statistically receive more costly citations like reckless driving and DUI. Teenage male drivers are most likely to cause an accident and thus pay the highest rates.
  • Protect yourself with liability coverage – Liability coverage provides coverage if you are found liable for damages caused by your negligence. Liability provides for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Bundling policies can get discounts – Some insurance companies will give a discount to people who have multiple policies with them, otherwise known as a multi-policy discount. If you currently are using one company, you still need to compare other company rates to confirm you are receiving the best rates possible.
  • Traffic citations inflate rates – Whether or not you get tickets has a lot to do with how much you pay for insurance. Only having one ticket can bump up the cost twenty percent or more. Drivers who don’t get tickets have lower premiums than their less careful counterparts. Drivers with dangerous tickets such as DUI or reckless driving are required to file a SR-22 with their state DMV in order to prevent a license revocation.

How to know if you need help

When choosing the right insurance coverage, there isn’t really a one size fits all plan. Every insured’s situation is different so your insurance should reflect that For instance, these questions can aid in determining whether you may require specific advice.

  • What is an SR-22 filing?
  • Why do I only qualify for high-risk insurance?
  • How can I find cheaper teen driver insurance?
  • Are my tools covered if they get stolen from my vehicle?
  • Should I sign the liability waiver when renting a car?
  • Do I need motorclub coverage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What exactly is covered by my policy?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Do drivers who switch really save $417 a year?

Companies like GEICO, State Farm and Progressive regularly use ads on television and other media. All the ads have a common claim that you’ll save big if you move to their company. But how can every company claim to save you money?

Different companies have a preferred profile for the right customer that makes them money. An example of a desirable insured might be profiled as between the ages of 30 and 50, insures multiple vehicles, and drives newer vehicles. Any driver who matches those parameters will qualify for the lowest rates and therefore will cut their rates substantially.

Consumers who do not match the requirements will be quoted higher rates and this can result in business going elsewhere. Company advertisements say “drivers who switch” not “people who quote” save that much. That is how companies can truthfully advertise the savings. This emphasizes why it is so important to get as many quotes as possible. It’s not possible to predict which insurance companies will provide you with the cheapest Chevy TrailBlazer insurance rates.

Specific coverage details

Knowing the specifics of insurance can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages available from insurance companies.

Auto liability insurance – Liability insurance will cover damages or injuries you inflict on other people or property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage pays for things such as legal defense fees, medical services and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Collision coverage – This will pay to fix damage to your TrailBlazer from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as colliding with another moving vehicle, hitting a parking meter, damaging your car on a curb, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Chevy TrailBlazer.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, fire damage, damage from flooding and vandalism. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for bills like hospital visits, doctor visits, funeral costs and nursing services. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Smart shoppers get results

When shopping online for car insurance, do not sacrifice coverage to reduce premiums. In many instances, an insured dropped collision coverage and learned later that the few dollars in savings costed them thousands. Your goal should be to purchase plenty of coverage at a price you can afford while still protecting your assets.

We just covered a lot of information how to shop for 2006 Chevy TrailBlazer insurance online. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. Drivers may discover the lowest premiums are with an unexpected company. They can often insure niche markets at a lower cost compared to the large companies like GEICO and State Farm.

Lower-priced insurance can be purchased both online in addition to many insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers do not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

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