Car Insurance Rates for a Chevy TrailBlazer in Dallas

It’s a known fact that car insurance companies want to keep your business as long as possible. People who get price quotes annually are inclined to buy a different policy because there is a good chance of finding lower rate quotes. Remarkably, a study showed that consumers who shopped around every year saved on average $3,400 over four years as compared to drivers who never shopped around for cheaper prices.

If finding discount rates on Chevy TrailBlazer insurance in Dallas is your objective, then having some knowledge of the best ways to find and compare coverage rates can save time and make the process easier.

Insurance rates Chevy TrailBlazer in DallasIf you want to save money, the best way to get affordable Chevy TrailBlazer insurance in Dallas is to regularly compare quotes from insurers in Texas. Rates can be compared by following these guidelines.

A valuable tip to remember is to try to use identical deductibles and limits on each quote request and and to compare as many auto insurance providers as possible. Doing this guarantees a fair rate comparison and the best price quote selection.

Choosing the best rates in Dallas is actually not that difficult if you follow our advice. If you currently have insurance, you will be able to shop for the lowest rates using the ideas presented in this article. Drivers just need to understand the quickest method to get comparison rates from many different companies.

Best companies for Chevy TrailBlazer insurance

The providers in the list below provide comparison quotes in Dallas, TX. If more than one company is shown, it’s a good idea that you visit as many as you can to find the most affordable auto insurance rates.

These six discounts can lower your car insurance rates

Some insurers don’t always list every possible discount very well, so the following is a list of a few of the more well known as well as some of the hidden credits available to you.Cheaper car insurance with discounts

Discounts lower rates, but most of the big mark downs will not be given to all coverage premiums. A few only apply to specific coverage prices like collision or personal injury protection. Even though it appears having all the discounts means you get insurance for free, it’s just not the way it works.

To find insurance companies that offer the discounts shown above in Dallas, follow this link.

Insurance agencies near you

Many people still prefer to talk to a local agent and there is nothing wrong with that. Most agents can make sure you are properly covered and help file insurance claims. A nice benefit of comparing rates online is that drivers can save money and get lower rates but still work with a licensed agent.

Dallas insurance agentsTo help locate an agent, after submitting this form (opens in new window), your coverage information is emailed to local insurance agents in Dallas who can give free rate quotes for your car insurance coverage. You don’t have to search for an agent due to the fact that quote results will go to you instantly. If you want to compare prices from a specific insurance company, you would need to search and find their rate quote page and complete a quote there.

Choosing an provider requires more thought than just the bottom line cost. Here are some questions you should ask.

Two different types of car insurance agents

When searching for a good Dallas insurance agent, you must know there are a couple types of insurance agents that you can select. Agencies in Dallas are either independent agents or exclusive agents depending on their employer. Both types can insure your vehicles properly, but it is a good idea to know how they differ because it can influence your agent selection.

Exclusive Agencies

Agents that choose to be exclusive can usually just insure with one company like Farmers Insurance and State Farm. Exclusive agents cannot shop your coverage around so if the price isn’t competitive there isn’t much they can do. Exclusive agencies receive extensive training on their products and sales techniques which helps them sell insurance even at higher premiums.

The following are exclusive insurance agents in Dallas that are able to give price quote information.

3427 E Trinity Mills Rd #601Dallas, TX 75287(972) 306-1234View Map

8150 N Central Expy #735Dallas, TX 75206(214) 363-4563View Map

4230 Lyndon B Johnson Fwy #105Dallas, TX 75244(972) 488-3822View Map

More insurance agents

Independent Car Insurance Agencies

Independent agents are normally appointed by many insurers and that gives them the ability to insure amongst many companies and get the cheapest rates. If they find a lower price, they can switch companies in-house and you don’t have to find a new agent. When comparing rate quotes, we recommend you contact multiple independent agents so that you have a good selection of quotes to compare.

The following are independent insurance agents in Dallas who can help you get price quote information.

6300 Samuell Blvd #05Dallas, TX 75228(214) 275-8372View Map

2695 Villa Creek Dr #175Dallas, TX 75234(214) 717-4326View Map

5001 Spring Valley Rd #400eDallas, TX 75244(972) 250-1776View Map

More insurance agents

Upon getting good responses to your questions as well as a affordable price, it’s a good possibility that you have found an insurance agent that meets the criteria to properly service your car insurance policy.

Auto insurance coverages

Understanding the coverages of your car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring. These are the usual coverages found on the average car insurance policy.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like EMT expenses, hospital visits and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Chevy TrailBlazer.

Because many people only carry the minimum required liability limits (Texas limits are 30/60/25), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, falling objects, rock chips in glass and a broken windshield. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto liability

Liability coverage provides protection from injuries or damage you cause to other’s property or people that is your fault. It protects you from legal claims by others, and doesn’t cover 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. You commonly see liability limits of 30/60/25 that translate to $30,000 in coverage for each person’s injuries, a per accident bodily injury limit of $60,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as emergency aid, loss of income, medical services, bail bonds and attorney fees. How much coverage you buy is your choice, but buy as high a limit as you can afford. Texas state law requires minimum liability limits of 30/60/25 but you should think about purchasing better liability coverage.

The illustration below shows why minimum state limits may not be adequate.

Collision insurance

Collision insurance will pay to fix damage to your TrailBlazer caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as damaging your car on a curb, hitting a mailbox, sustaining damage from a pot hole, colliding with a tree and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also choose a higher deductible on your TrailBlazer to save money on collision insurance.

Shop smart and save

When buying insurance coverage, don’t be tempted to sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice liability coverage limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy a smart amount of coverage at the best cost, but don’t skip important coverages to save money.

Affordable Chevy TrailBlazer insurance in Dallas can be found on the web as well as from independent agents in Dallas, so you need to shop Dallas auto insurance with both to get a complete price analysis. Some companies may not have online price quotes and many times these smaller companies work with local independent agents.

To read more, feel free to browse the following helpful articles: