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...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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No one in their right mind fancies paying their premiums for insurance, especially when they know their premiums are too high. With drivers having so many choices, it can be hard to choose the most affordable insurance company.

It’s smart to quote other rates periodically because insurance prices change regularly. Even if you think you had the best rates on TrailBlazer EXT insurance a couple years back you will most likely find a better rate quote today. Don’t believe everything you read about insurance online but you can learn some excellent ideas to buy insurance cheaper.

Compare free insurance quotes

Most companies such as Progressive, Allstate and GEICO allow you to get coverage prices directly from their websites. Getting online rates is pretty easy as you simply type in the amount of coverage you want into a form. When complete, their rating system requests information on your driving record and credit history and returns a price quote based on the data you entered. This simplifies rate comparisons, but the time required to go to different websites and enter the same data into a form can be a bit repetitive. But it is imperative to do this if you are searching for the best price possible.

There is an easier way!

A less time-consuming method to find lower prices uses just one form that gets price quotes from more than one company. It’s a real time-saver, eliminates form submissions, and makes price shopping online a lot less work. After sending your information, it is quoted and you can select any of the quotes that you receive. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. The entire process takes less than 15 minutes and you’ll know if lower rates are available.

If you want to find out what other companies charge, simply click here to open in new window and fill out the form. If you currently have coverage, we recommend you replicate coverages and limits identical to your current policy. This way, you’re receiving a fair comparison based on identical coverages.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Buyer beware of auto insurance advertising tricks

Drivers constantly see and hear ads that promise big savings by companies like Progressive, Allstate and GEICO. All the companies convey the message of big savings after switching your auto insurance policy to them.

How does every company make almost identical claims?

Insurance providers require specific criteria for the type of customer that will not have excessive claims. An example of a desirable risk could possibly be between the ages of 30 and 45, has no prior claims, and drives less than 5,000 miles a year. A customer getting a price quote that meets those criteria will qualify for the lowest prices and most likely will save money with a new company.

Consumers who fall short of the requirements will have to pay higher premiums and ends up with business going elsewhere. If you pay attention, the ads say “customers who switch” not “everyone who quotes” save that kind of money. This is how companies can truthfully make claims like that. Each company has different criteria, so you absolutely need to get insurance coverage quotes from several different companies. It’s not possible to predict the company that will fit you best based on your risk profile.

Save money with discounts

Car insurance is not an enjoyable expense, but you may qualify for discounts that you may not even know about. Larger premium reductions will be automatically applied when you get a quote, but lesser-known reductions have to be manually applied before you will receive the discount.

  • Student Driver Training – It’s a good idea to have your young drivers enroll in driver’s education in high school.
  • Senior Citizen Discount – If you’re over the age of 55, you may qualify for a small discount on rates on TrailBlazer EXT insurance.
  • Auto/Life Discount – Some insurance carriers give a break if you buy a life insurance policy as well.
  • Own a Home and Save – Owning your own home or condo can get you a discount since home ownership shows financial diligence.
  • Membership in Organizations – Joining specific professional or occupational memberships or organizations is a good way to get lower rates when shopping for car insurance.
  • Early Signing – Select insurance companies give a discount for signing up before your current policy expires. You may see this discount when you get insurance coverage quotes online.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Low Mileage Discounts – Low annual miles could qualify for lower premium rates due to less chance of an accident.
  • College Student Discount – Kids living away from home attending college and leave their car at home can receive lower rates.

As a sidenote, most discount credits are not given to the entire cost. Most only cut individual premiums such as collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

A list of car insurance companies and a partial list of their discounts can be read below.

  • Farm Bureau has savings for renewal discount, safe driver, youthful driver, multi-vehicle, multi-policy, driver training, and good student.
  • State Farm has discounts for student away at school, multiple policy, driver’s education, Steer Clear safe driver discount, defensive driving training, and safe vehicle.
  • Progressive may have discounts that include online signing, online quote discount, multi-vehicle, multi-policy, good student, and continuous coverage.
  • Allstate may offer discounts for EZ pay plan discount, early signing, farm vehicle, economy car, safe driver, and auto/life discount.
  • Nationwide discounts include good student, Farm Bureau membership, accident-free, defensive driving, multi-policy, and easy pay.
  • MetLife offers premium reductions for good driver, multi-policy, claim-free, defensive driver, and good student.

It’s a good idea to ask each company or agent to apply every possible discount. Some credits might not apply in your area. To view providers that have a full spectrum of discounts, follow this link.

What is the best car insurance coverage?

When choosing the right insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that For instance, these questions might help in determining if your situation would benefit from an agent’s advice.

  • Is my 2004 Chevy TrailBlazer EXT covered for smoke damage?
  • What companies insure drivers after a DUI or DWI?
  • Do I need PIP coverage since I have good health insurance?
  • What happens if I owe more than my 2004 Chevy TrailBlazer EXT is worth?
  • What can I do if my company denied a claim?
  • Is business property covered if stolen from my car?
  • Does medical payments coverage apply to all occupants?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, free and can help protect your family.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Insurance coverage options for a Chevy TrailBlazer EXT

Understanding the coverages of your insurance policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages found on most insurance policies.

Comprehensive coverages – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like fire damage, falling objects, a broken windshield and hail damage. The maximum payout 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 consider removing comprehensive coverage.

Collision coverage – This pays to fix your vehicle from damage 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 insurance covers claims such as sustaining damage from a pot hole, crashing into a ditch, rolling your car and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Liability car insurance – This will cover injuries or damage you cause to other people or property. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things like bail bonds, repair costs for stationary objects, funeral expenses, pain and suffering and medical expenses. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like prosthetic devices, dental work and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your Chevy TrailBlazer EXT.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Be Smart and Buy Smart

As you prepare to switch companies, never skimp on coverage in order to save money. There are a lot of situations where an insured cut liability limits or collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The goal is to purchase plenty of coverage at a price you can afford.

Discount 2004 Chevy TrailBlazer EXT insurance can be sourced both online and from local agencies, and you need to price shop both in order to have the best chance of saving money. Some insurance providers do not offer the ability to get quotes online and most of the time these smaller companies work with local independent agents.

You just learned many tips how you can lower your 2004 Chevy TrailBlazer EXT insurance car insurance rates. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your premium rates. You may even discover the lowest car insurance rates are with the least-expected company. These smaller insurers often have lower premium rates on specific markets than their larger competitors like State Farm or Progressive.

More tips and info about insurance coverage is available in the articles below: