Nobody looks forward to buying auto insurance, especially when they are aware that they are paying too much. You have multiple car insurance companies to purchase coverage from, and although it’s nice to be able to choose, it can be more challenging to get the best deal.
Smart consumers take time to do rate comparisons quite often since insurance prices fluctuate regularly. Just because you had the best deal on TrailBlazer coverage six months ago there may be better deals available now. Ignore everything you know about auto insurance because you’re about to learn the fastest and easiest way to eliminate unnecessary coverages and save money.
Companies that sell car insurance don’t necessarily list every disount available in an easy-to-find place, so we researched a few of the more common and the more hidden credits available to lower your premiums when you buy car insurance online. If they aren’t giving you every credit available, you are not getting the best rate possible.
It’s important to note that most discount credits are not given to all coverage premiums. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though you would think it’s possible to get free car insurance, companies wouldn’t make money that way. But all discounts will cut your policy cost.
For a list of insurance companies that offer many of these discounts, click this link.
Shopping for lower insurance rates can be a lot of work if you don’t understand the most efficient way to do it. You could waste a few hours discussing policy coverages with agents in your area, or you can utilize the internet to get rates in a matter of minutes.
Most major companies participate in an industry program where prospective buyers submit one quote, and each participating company provides a quote based on that data. This saves time by eliminating quotation requests for each company you want a rate for.
To get comparison pricing now click here (opens in new window).
The one downside to getting quotes like this is you are unable to specify which providers you want to price. So if you want to select individual companies for rate comparison, we put together a list of low cost insurance companies in your area. Click here for list of insurance companies.
However you get your quotes, make sure you compare the same deductibles and coverage limits with each company. If you have different limits and deductibles on each one you will not be able to get a fair rate comparison.
When it comes to buying the best auto insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions may help you determine if you would benefit from professional advice.
If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.
Understanding the coverages of your insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most insurance policies.
Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like a broken windshield, damage from flooding and hail damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Collision insurance pays for damage to your TrailBlazer from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision insurance covers claims such as crashing into a building, backing into a parked car, colliding with another moving vehicle and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.
Coverage for medical payments
Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like EMT expenses, surgery, nursing services, pain medications and doctor visits. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage
Uninsured and underinsured coverage
This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Chevy TrailBlazer.
Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.
Liability car insurance
Liability coverage protects you from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.
Liability can pay for things such as court costs, medical services, repair bills for other people’s vehicles, loss of income and legal defense fees. How much coverage you buy is your choice, but consider buying as much as you can afford.
You just learned a lot of ways to shop for 2002 Chevy TrailBlazer insurance online. The key concept to understand is the more providers you compare, the better your chances of lowering your prices. You may even discover the lowest premium rates come from some of the lesser-known companies. They may have significantly lower prices on certain market segments compared to the large companies like State Farm, GEICO and Nationwide.
When trying to cut insurance costs, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped physical damage coverage only to discover later they didn’t have enough coverage. Your aim should be to buy the best coverage you can find at the lowest possible cost and still be able to protect your assets.
Additional insurance coverage information can be read on the following sites: