It's a known fact that insurance companies don't want their customers to go rate shopping. Drivers who shop around for the cheapest rate will presumably switch companies because there is a high probability of finding lower prices. Surprisingly, a recent survey revealed that people who compared price quotes annually saved about $70 a month compared to people who never shopped around for better prices.
If finding the cheapest price on Chevy TrailBlazer insurance is the reason you're here, then having some knowledge of the best ways to shop for insurance rates can help you succeed in saving money.
Truthfully, the best way to get discount Chevy TrailBlazer insurance in Toledo is to do a yearly price comparison from providers in Ohio.
- Take a few minutes and learn about what is in your policy and the things you can change to lower rates. Many factors that increase rates like traffic citations, accidents, and a not-so-good credit rating can be remedied by making minor changes to your lifestyle. This article provides more ideas to prevent rate hikes and find available discounts that you may qualify for.
- Compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from a single company like GEICO and Allstate, while independent agencies can quote rates for a wide range of companies.
- Compare the new rate quotes to your current policy premium and determine if there is any savings. If you find a lower rate quote and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
The key thing to remember is to use identical coverage information on every price quote and to quote with every insurance company. This guarantees a fair price comparison and a thorough selection of prices.
The quickest method to get rate comparisons for Chevy TrailBlazer insurance in Toledo is to know the fact auto insurance companies allow for online access to provide you with free rate quotes. To get started, all you need to do is provide information including whether your vehicle is owned or leased, how much school you completed, how much coverage you want, and if a SR-22 is needed. Those rating factors is instantly sent to many different companies and you get price estimates very quickly.
To check car insurance prices now, click here and find out if you can get cheaper insurance in Toledo.
The companies in the list below are ready to provide price quotes in Ohio. To find the best auto insurance in Ohio, we recommend you visit several of them in order to find the lowest rates.
Auto insurance protects more than just your car
Despite the high cost, buying auto insurance may be mandatory for several reasons.
First, most states have compulsory liability insurance requirements which means state laws require a specific level of liability insurance coverage if you drive a vehicle. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you have a lien on your vehicle, more than likely the lender will force you to have physical damage coverage to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the lender will be forced to insure your Chevy for a lot more money and make you pay for the expensive policy.
Third, auto insurance protects your vehicle and your assets. Insurance will pay for hospital and medical expenses for not only you but also any passengers injured in an accident. Liability coverage also pays expenses related to your legal defense if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, your policy will pay to repair the damage minus the deductible amount.
The benefits of carrying adequate insurance greatly outweigh the cost, especially with large liability claims. According to a recent study, the average American driver is currently overpaying as much as $830 a year so we recommend shopping around at every policy renewal to ensure rates are inline.
Don't neglect these seven price cutting discounts
Insuring your fleet can be pricey, but you might be missing out on some discounts that you may not even be aware of. Many discounts should be triggered when you quote, but a few must be inquired about prior to receiving the credit. If you do not double check each discount you qualify for, you may be paying too high a price.
- Save with a New Car - Adding a new car to your policy can be considerably cheaper because newer models keep occupants safer.
- Federal Government Employee - Federal government employees can earn a discount up to 10% with a few insurance companies.
- Early Renewal Discounts - Some larger companies provide a discount for renewing your policy prior to the expiration date on your current TrailBlazer insurance policy. You could save around 10% when you buy Toledo auto insurance online.
- Driver's Education for Students - Cut your cost by having your teen driver take driver's ed class in high school.
- Waiver for an Accident - This one isn't a discount, but a handful of insurance companies will turn a blind eye to one accident before raising your premiums if you have no claims for a set time period.
- Senior Discount - If you qualify as a senior citizen, you can get a slight reduction on a Toledo auto insurance quote.
- College Student - Any of your kids who are enrolled in higher education away from home without a vehicle on campus can receive lower rates.
As is typical with insurance, most discount credits are not given to the entire cost. Most only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think you could get a free insurance policy, it just doesn't work that way.
A list of insurance companies and some of the discounts are shown below.
- Progressive offers discounts including multi-vehicle, homeowner, online quote discount, online signing, continuous coverage, good student, and multi-policy.
- MetLife includes discounts for claim-free, accident-free, multi-policy, good driver, good student, defensive driver
- Mercury Insurance policyholders can earn discounts including low natural disaster claims, location of vehicle, good driver, type of vehicle, professional/association, and multi-policy.
- Nationwide may offer discounts for multi-policy, defensive driving, easy pay, family plan, anti-theft, and Farm Bureau membership.
- GEICO may have discounts that include five-year accident-free, daytime running lights, air bags, driver training, membership and employees, and military active duty.
- AAA discounts include good student, good driver, pay-in-full, anti-theft, and education and occupation.
Before you buy a policy, ask every insurance company what discounts are available to you. Some discounts listed above may not apply to policies in Toledo. If you would like to view companies who offer free Chevy TrailBlazer insurance quotes in Toledo, follow this link.
Shop online but buy locally
Some people would rather go talk to an agent. An additional benefit of getting free rate quotes online is that you can find lower rates and also buy local.
By using this short form, your information gets sent to agents in your area who want to provide quotes for your car insurance coverage. It's much easier because you don't need to search for any insurance agencies due to the fact that quote results will go to your email. You can most likely find cheaper rates AND an agent nearby. If you have a need to quote rates from one company in particular, you can always find their quoting web page and submit a quote form there.
Picking the best company requires you to look at more than just the price. These questions are important to ask:
- Where would glass claims be handled in Toledo?
- Is the agent properly licensed in Ohio?
- Do they have any clout with companies to ensure a fair claim settlement?
- Is the agency involved in supporting local community causes?
- Does the company allow you to choose your own collision repair facility?
- Will high miles depreciate repair valuations?
Insurance agent types
If you want a reputable insurance agent or broker, it can be helpful to understand the types of agencies and how they can service your needs differently. Insurance agencies in Toledo are either independent agents or exclusive agents depending on their employer.
These agents can only place business with one company and some examples include AAA, State Farm, Farmers Insurance, and Allstate. They are unable to shop your coverage around so it's a take it or leave it situation. Exclusive agents are usually well trained on what they offer and that can be a competitive advantage. Consumers often buy insurance from these agents partially due to the brand and solid financial strength.
Shown below is a list of exclusive agencies in Toledo that can give you price quotes.
- Jeff Traudt - State Farm Insurance Agent
2828 Central Ave - Toledo, OH 43606 - (419) 473-3276 - View Map
- Bud Moody - State Farm Insurance Agent
1751 W Sylvania Ave - Toledo, OH 43613 - (419) 471-9909 - View Map
- Jamie Mauntler - State Farm Insurance Agent
5401 Secor Rd - Toledo, OH 43623 - (419) 474-0559 - View Map
Independent Car Insurance Agents
Independent agencies do not sell for just one brand so they can insure your vehicles through many different car insurance companies and potentially find a lower price. If they quote lower rates, the agent simply finds a different carrier which requires no work on your part. If you are comparing rate quotes, you absolutely need to include a few independent agents for maximum quote selection. A lot of them also have access to additional companies that you may not be familiar with that may have much lower rates than larger companies.
Below are independent agents in Toledo willing to provide price quote information.
- Kranz PJ Insurance Agency
4349 Talmadge Rd - Toledo, OH 43623 - (419) 473-2416 - View Map
- Great Lakes Insurance Partners
5215 Monroe St # 2 - Toledo, OH 43623 - (419) 841-2000 - View Map
- Powell Insurance Inc
6029 Renaissance Pl # A - Toledo, OH 43623 - (419) 882-1076 - View Map
There's no such thing as the perfect insurance policy
When quoting and choosing the right insurance coverage, there is no perfect coverage plan. Your situation is unique.
For instance, these questions might point out if your situation may require specific advice.
- Am I insured when driving a different vehicle?
- What is PIP insurance?
- What states are considered no-fault?
- Will my Chevy TrailBlazer be repaired with OEM or aftermarket parts?
- Can I make deliveries for my home business?
- How can I get my company to pay me more for my totaled car?
If you're not sure about those questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, take a second and complete this form.
Parts of your insurance policy
Knowing the specifics of your insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.
Coverage for liability
This protects you from injuries or damage you cause to other people or property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged property.
Liability insurance covers claims such as emergency aid, loss of income and repair bills for other people's vehicles. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford. Ohio state law requires minimum liability limits of 25/50/25 but it's recommended drivers buy better liability coverage.
The next chart shows why low liability limits may not be high enough to adequately cover claims.
Coverage for medical payments
Medical payments and Personal Injury Protection insurance pay for bills such as ambulance fees, dental work, doctor visits, prosthetic devices and funeral costs. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage
Uninsured and underinsured coverage
Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your Chevy TrailBlazer.
Since a lot of drivers only purchase the least amount of liability that is required (25/50/25), their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.
Coverage for collisions
This coverage covers damage to your TrailBlazer caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage pays for claims such as sustaining damage from a pot hole, rolling your car and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible on your TrailBlazer to get cheaper collision coverage.
Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims such as a broken windshield, damage from a tornado or hurricane, damage from getting keyed, rock chips in glass and fire damage. The maximum amount you'll receive from a claim is the market value of your vehicle, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.
Find cheaper insurance prices by comparing often
When searching for affordable Chevrolet TrailBlazer insurance quotes, never sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice collision coverage only to regret at claim time that the savings was not a smart move. The aim is to buy enough coverage at the best price while still protecting your assets.
We just presented some good ideas how you can save on Chevy TrailBlazer insurance in Toledo. The most important thing to understand is the more times you quote, the better likelihood of getting cheaper Toledo auto insurance quotes. Consumers may even find the lowest premium rates come from a small local company.
Discount Chevy TrailBlazer insurance in Toledo can be bought from both online companies in addition to many Toledo insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. There are still a few companies who may not offer price quotes online and most of the time these regional carriers prefer to sell through local independent agencies.
More tips and info about insurance is available in these articles:
- Child Safety Seats (Insurance Information Institute)
- Who Has Cheap Toledo Car Insurance Quotes for a Ford Escape? (FAQ)
- Rental Reimbursement Coverage (Allstate)
- Smart Auto Insurance Tips (Insurance Information Institute)
- Choosing a Car for Your Teen (State Farm)