Lower Your 2023 Chevrolet TrailBlazer Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 28, 2024

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Looking for lower auto insurance rates for your Chevrolet TrailBlazer? Did you make the mistake of buying an overpriced auto insurance policy? You’re in good company because you’re not alone.

Drivers have so many insurers to choose from, and although it’s a good thing to have a choice, more choices can make it harder to find the best rates.

This article will instruct you on the best way to quote coverages and some tricks to saving. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these tips. But consumers do need to understand how the larger insurance companies compete online and take advantage of how the system works.

Smart buyers save on insurance

An important part of buying insurance is that you know the factors that help calculate your policy premiums. If you know what impacts premium levels, this empowers consumers to make smart changes that can help you get lower rates. Many different elements are considered when you get your auto insurance bill. Some are obvious like your driving record, but some are not as apparent like your vehicle usage or how financially stable you are.

Listed below are a few of the things that factor into rates.

  • Safer cars cost less to insure – Safer cars are cheaper to insure. The safest vehicles result in less severe injuries and fewer injuries means lower claim amounts passed on to you as lower rates.
  • Premiums are affected by your credit rating – Having a good credit rating can be a huge factor in determining what you pay. If your credit history leaves room for improvement, you could be paying less to insure your 2023 Chevrolet TrailBlazer by improving your rating. Drivers who have high credit ratings tend to file fewer claims and have better driving records than drivers who have poor credit.
  • Get cheaper premiums if you’re married – Having a wife or husband actually saves money when buying auto insurance. Having a spouse means you’re more mature and responsible and it’s statistically proven that married drivers tend to file fewer claims.
  • Car insurance liability coverage limits – Your policy’s liability coverage kicks in in the event that you are found to be at fault for causing personal injury or damage in an accident. Your liability coverage provides for a legal defense which can cost thousands of dollars. This coverage is relatively inexpensive compared to comp and collision, so buy as much as you can afford.
  • Low deductibles mean high premiums – Coverage for physical damage, also called comprehensive and collision insurance, covers damage that occurs to your Chevy. Examples of some claims that would be covered are a windshield shattered by a rock, damage caused by hail, and damage caused by flying debris. The deductibles represent how much money you are willing to pay out-of-pocket if you file a covered claim. The more of the claim the insured is willing to pay, the less your company will charge you for insurance on TrailBlazer coverage.
  • Where you reside is a factor – Being located in less populated areas of the country can be a good thing when shopping for auto insurance. Fewer drivers and short commutes means less chance of accidents in addition to lower liability claims Drivers who live in large cities tend to have more traffic problems and more severe claims. Higher commute times means more chances of being involved in an auto accident.

Get lower rates with these auto insurance discounts

Some insurers do not advertise every policy discount in a way that’s easy to find, so the list below details some of the more common as well as the least known discounts that may be available.

  • Service Members Pay Less – Being deployed in the military could trigger a small discount.
  • Driver’s Ed – Teen drivers should successfully complete driver’s ed class as it can save substantially.
  • Senior Citizens – Older drivers can get lower premium rates on TrailBlazer coverage.
  • Discount for Switching Early – A few insurance companies allow discounts for signing up before your current coverage expires. Ten percent is about the average savings.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.

A little disclaimer on discounts, some of the credits will not apply to the entire cost. Most only cut individual premiums such as comprehensive or collision. Just because you may think you would end up receiving a 100% discount, it’s just not the way it works.

Car insurance companies that may include most of these discounts may include but are not limited to:

  • State Farm
  • Allstate
  • Farm Bureau
  • Progressive
  • AAA

Before purchasing a policy, check with every insurance company which discounts they offer. Some credits might not be offered everywhere. If you would like to view auto insurance companies with discount auto insurance rates, enter your zip code here.

Insurance can get complicated

When choosing the best insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique so this has to be addressed. These are some specific questions might help in determining whether your personal situation would benefit from an agent’s advice.

  • How high should my uninsured/underinsured coverage be in my state?
  • Should I buy full coverage?
  • Do I need higher collision deductibles?
  • Does my policy cover my teen driver if they drive my company car?
  • How much liability insurance is required?
  • Does car insurance cover theft of personal property?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is my ex-spouse still covered by my policy?
  • Exactly who is provided coverage by my policy?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out your zip code.

Auto insurance coverages 101

Understanding the coverages of your auto insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages found on most auto insurance policies.

Auto liability

This coverage provides protection from damage that occurs to people or other property in an accident. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims like medical expenses, repair costs for stationary objects, emergency aid and structural damage. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as vandalism, falling objects, hitting a bird, damage from a tornado or hurricane and a broken windshield. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage protection

This coverage will pay to fix damage to your TrailBlazer resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like scraping a guard rail, sideswiping another vehicle, crashing into a building and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2023 Chevy TrailBlazer.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Frequently these limits are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for expenses like prosthetic devices, rehabilitation expenses, doctor visits, pain medications and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Shop. Compare. Save.

You just learned a lot of techniques to reduce 2023 Chevy TrailBlazer insurance car insurance rates online. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding low cost car insurance. Drivers may discover the biggest savings come from a company that doesn’t do a lot of advertising. Regional companies may cover specific market segments cheaper than their larger competitors like Progressive or GEICO.

When shopping online for auto insurance, it’s a bad idea to buy less coverage just to save a little money. There have been many cases where an insured dropped liability coverage limits only to regret at claim time that they should have had better coverage. Your strategy should be to purchase a proper amount of coverage at a price you can afford, but don’t skip important coverages to save money.

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