Price shopping your Chevy TrailBlazer insurance in Charlotte can be kind of frustrating for people new to quoting coverage prices online. Drivers have so many different companies and agents to choose from that it can quickly become a real difficult job to find the perfect company for you.
It’s amazing but the vast majority of insurance customers have bought insurance from the same company for over three years, and practically 40% of insurance customers have never shopped around. North Carolina insurance shoppers could pocket about 10% a year, but most just don’t grasp the amount of money they would save if they replace their high priced policy.
It’s a good idea to quote other rates periodically since insurance prices trend upward over time. If you had the best rates on Chevy TrailBlazer insurance in Charlotte a couple years back there may be better deals available now. Block out anything you think you know about insurance because you’re about to learn one of the quickest ways to find better rates and still maintain coverage.
The quickest method to compare insurance rates from multiple companies takes advantage of the fact most insurance companies provide online access to give rate comparisons. The only thing you need to do is give the companies some data like the make and model of your vehicles, how much school you completed, any included safety features, and how old drivers are. The data is instantly submitted to all major companies and they respond with quotes quickly.
To compare multiple company affordable Chevy TrailBlazer insurance rates now, click here and complete the quick form.
The car insurance companies shown below have been selected to offer quotes in North Carolina. If multiple companies are listed, we suggest you click on several of them to find the cheapest car insurance rates.
Cheap Charlotte insurance rates with discounts
Insuring your fleet can be pricey, but there could be available discounts to reduce the price significantly. Certain credits will be shown when you quote, but a few must be specially asked for in order for you to get them.
- Drivers Education – It’s a good idea to have your young drivers take driver’s ed class as it will make them better drivers and lower rates.
- Policy Bundle Discount – If you insure your home and vehicles and insure them with the same company you will save at least 10% off all policies.
- Driver Safety – Taking part in a course that instructs on driving safety is a good idea and can lower rates if you qualify.
- Memberships – Participating in certain professional organizations may earn a discount on insurance.
- Discount for Home Ownership – Just being a homeowner can save a few bucks because of the fact that having a home is proof of financial responsibility.
A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Some only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, companies don’t profit that way.
Some of the insurance companies that may have many of the previously listed discounts are:
Check with every insurance company which discounts you may be entitled to. Some discounts listed above might not be offered on policies in your area. For a list of companies with discount insurance rates in North Carolina, click this link.
Are auto insurance agents of importance?
Some consumers still prefer to have an agent’s advice and that is a smart decision One of the best bonuses of price shopping on the web is that you can obtain the lowest rates but still work with a licensed agent. Buying insurance from small agencies is still important in Charlotte.
To find an agent, once you fill out this short form, the quote information is instantly submitted to companies in Charlotte that give free quotes to get your business. It simplifies rate comparisons since you won’t have to even leave your home because quoted prices will be sent to you instantly. You can find better rates without requiring a lot of work. If for some reason you want to get a comparison quote from a specific insurance company, you can always navigate to their website and complete a quote there.
Selecting a provider should include more criteria than just a cheap price. Ask your prospective agent these questions:
- Is there a 24/7 contact number?
- Will they make sure you get an adequate claim settlement?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- Which insurance companies are they affiliated with?
- Are they primarily personal or commercial lines agents in Charlotte?
- Are there any discounts that you might be missing?
- Do they see any coverage gaps in your plan?
Your situation helps dictate your coverage
When quoting and choosing your policy for your personal vehicles, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed.
For example, these questions might point out if your insurance needs may require specific advice.
- Am I covered by my spouse’s policy after a separation?
- Is pleasure use cheaper than using my Chevy TrailBlazer to commute?
- Does my insurance cover a custom paint job?
- Should I buy more coverage than the required North Carolina minimum liability coverage?
- Should I file a claim if it’s only slightly more than my deductible?
- Exactly who is provided coverage by my policy?
- Is pet coverage available?
- Where can I get insurance after a DUI in North Carolina?
- If my car is totaled with they pay enough to replace it?
- Is my vehicle covered by my employer’s policy when using it for work?
If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier
Auto insurance coverage specifics
Knowing the specifics of a auto insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types offered by auto insurance companies.
Comprehensive auto coverage – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things such as a tree branch falling on your vehicle, damage from a tornado or hurricane and falling objects. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Coverage for liability – This coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 30/60/25 that means you have a limit of $30,000 per injured person, $60,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability coverage pays for claims such as loss of income, emergency aid and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford. North Carolina state law requires minimum liability limits of 30/60/25 but you should think about purchasing more coverage.
The chart below shows why minimum state limits may not be enough coverage.
Collision coverage – This pays for damage to your TrailBlazer from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things such as damaging your car on a curb, backing into a parked car, sideswiping another vehicle, crashing into a ditch and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to choose a higher deductible on your TrailBlazer in order to get cheaper collision rates.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.
Due to the fact that many North Carolina drivers carry very low liability coverage limits (30/60/25 in North Carolina), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits are set the same as your liability limits.
Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like chiropractic care, X-ray expenses, funeral costs and doctor visits. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage
Smart shoppers get results
As you go through the steps to switch your coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced comprehensive coverage or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy a smart amount of coverage at the lowest possible cost and still be able to protect your assets.
In this article, we covered some good ideas how you can lower your Chevy TrailBlazer insurance premium rates in Charlotte. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding inexpensive Charlotte car insurance quotes. Consumers could even find that the lowest premium rates are with the least-expected company. These companies often have lower prices on specific markets than the large multi-state companies such as Progressive or GEICO.
Steps to buying affordable Chevy TrailBlazer insurance in Charlotte
If you want to save money, the best way to get budget Chevy TrailBlazer insurance is to compare prices once a year from companies who sell auto insurance in Charlotte. Rate comparisons can be done by following these guidelines.
- Take a little time to learn about individual coverages and the things you can change to keep rates down. Many rating factors that cause rate increases like distracted driving and a less-than-favorable credit score can be rectified by making minor changes in your lifestyle.
- Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from one company like GEICO and Allstate, while independent agencies can provide rate quotes for many different companies.
- Compare the quotes to your existing policy and see if you can save money. If you find a better price and buy the policy, ensure coverage does not lapse between policies.
- Provide notification to your current agent or company of your intent to cancel your current coverage and submit payment and a signed application for the new coverage. Be sure to keep the new proof of insurance paperwork in an easily accessible location in your vehicle.
One bit of advice is that you’ll want to compare the same liability limits and deductibles on every quote and and to compare all possible companies. This ensures an apples-to-apples comparison and the most accurate and complete price analysis.
Additional learning opportunities
- Frontal Crash Tests (iihs.org)
- Who Has the Cheapest Charlotte Auto Insurance for a Toyota Highlander? (FAQ)
- Who Has Affordable Charlotte Auto Insurance Quotes for a Chevrolet Equinox? (FAQ)
- What Car Insurance is Cheapest for a Kia Optima in Charlotte? (FAQ)
- Who Has the Cheapest Car Insurance for 19 Year Olds in Charlotte? (FAQ)
- Who Has the Cheapest Charlotte Auto Insurance Rates for a Toyota RAV4? (FAQ)
- Who Has the Cheapest Auto Insurance for Teachers in Charlotte? (FAQ)
- Who Has the Cheapest Car Insurance Rates for a Jeep Wrangler in Charlotte? (FAQ)
- Who Has Affordable Auto Insurance for 18 Year Olds in Charlotte? (FAQ)
- Rental Car Insurance Tips (Insurance Information Institute)
- No-Fault Auto Insurance Statistics (Insurance Information Institute)