Shockingly, most drivers kept their coverage with the same auto insurance company for at least four years, and approximately 40% of consumers have never even shopped around for lower-cost coverage. With the average auto insurance premium being $980, Raleigh drivers can save hundreds of dollars each year just by getting comparison quotes, but most tend to underestimate the rate savings if they switched to a more affordable policy.
If your goal is the lowest price, then the best way to find cheaper Chevy TrailBlazer insurance in Raleigh is to begin comparing prices regularly from providers that insure vehicles in North Carolina.
- Read and learn about how insurance works and the modifications you can make to prevent expensive coverage. Many rating factors that increase rates like your driving record and a poor credit rating can be controlled by paying attention to minor details.
- Quote rates from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like Progressive or Allstate, while independent agents can provide rate quotes for a wide range of insurance providers. View rates
- Compare the new rate quotes to your existing rates and see if there is a cheaper rate in Raleigh. If you can save money and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Provide adequate notice to your current company to cancel your current car insurance policy and submit any necessary down payment along with the completed application for your new coverage. As soon as you have the new policy, safely store the proof of insurance certificate in your vehicle’s glove compartment or console.
The key thing to remember is to make sure you enter similar deductibles and liability limits on every quote request and and to get price estimates from as many car insurance companies as possible. Doing this ensures a level playing field and the most accurate and complete price analysis.
Shopping around for the lowest cost policy in Raleigh is easy if you know what you’re doing. Virtually everyone who requires lower cost insurance will probably get a lower-priced policy. Although North Carolina consumers must know the way companies determine how much to charge and use it to your advantage.
When looking for the cheapest Chevrolet TrailBlazer rate quotes, there are a couple ways to obtain and compare prices from many insurance companies in North Carolina. The best way to find the lowest rates consists of obtaining rate quotes online.
It’s so fast and easy to compare quotes online that it takes the place of having to drive around to each insurance agency near you. Doing it all online can eliminate the need for a local agent unless you prefer the advice and guidance that you can only get from talking to an agent. It is possible to obtain prices from the web and get advice from an agent in your area. When quoting insurance, remember that comparing more rates from different companies will improve the odds of getting more affordable rates.
The companies in the list below have been selected to offer free quotes in Raleigh, NC. If your goal is to find the cheapest car insurance in North Carolina, we recommend you visit several of them to get the best price comparison.
Insuring your Chevy vehicle just makes sense
Despite the high insurance cost for a Chevy TrailBlazer in Raleigh, car insurance may be required for several reasons.
First, the majority of states have mandatory liability insurance requirements which means you are required to carry a specific minimum amount of liability insurance if you drive a vehicle. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if your Chevy TrailBlazer has a loan, most banks will require that you have physical damage coverage to guarantee payment of the loan. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Chevy at an extremely high rate and require you to pay a much higher amount than you were paying before.
Third, car insurance preserves both your car and your personal assets. It will also cover medical bills for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, also covers legal expenses if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your car insurance policy will pay to restore your vehicle to like-new condition.
The benefits of insuring your car are without a doubt worth the cost, particularly for liability claims. Despite what companies tell you, the average driver overpays as much as $830 a year so compare rate quotes every year to ensure rates are inline.
Eight Tips to Get Cheap Raleigh Insurance Costs
Smart consumers have a good feel for some of the things that go into determining the rates you pay for insurance. When consumers understand what determines base rates, this allows you to make good choices that may reward you with better insurance rates. Many factors are part of the equation when pricing auto insurance. Most are fairly basic like your driving record, but some are not quite as obvious like your vehicle usage or how safe your car is.
Occupation and insurance rates – Occupational choices like military personnel, police officers, and dentists tend to have higher premium rates because of intense work requirements and long work hours. Conversely, occupations such as professors, engineers and performers generally pay rates lower than average.
Bad drivers pay high rates – How you drive has a big impact on rates. Drivers with clean records get better prices than their less careful counterparts. Getting just one speeding ticket could increase your next policy renewal substantially. People who have serious violations such as reckless driving or DUI may face state-mandated requirements to complete a SR-22 with their state’s licensing department in order to drive a vehicle legally.
Premiums are high for teenagers – Older drivers are more responsible, are lower risk to insure, and are safer drivers. Beginning drivers have been known to be less responsible in a vehicle therefore insurance rates are much higher.
Raise your coverage deductibles for better premiums – Insurance for physical damage, also known as collision and other-than-collision, covers damage that occurs to your Chevy. Some instances where coverage would apply would be a broken side mirror, hail damage, and rolling your vehicle. The deductibles you choose define the amount you are required to spend out-of-pocket before your insurance pays a claim. The more expense the insured is willing to pay, the less your company will charge you for insurance.
Men drivers tend to cost more – Statistics show women are more cautious behind the wheel. However, don’t assume that men are worse drivers. They both are responsible for auto accidents at a similar rate, but men cause more damage and cost insurance companies more money. Men also statistically get more serious tickets like reckless driving and DUI.
Use credit responsibly and save – A driver’s credit rating can be an important factor in calculating your insurance rates. Therefore, if your credit history is not that good, you could pay less to insure your Chevrolet TrailBlazer by repairing your credit. People that have excellent credit tend to be more responsible than drivers with poor credit scores.
Save money by having multiple policies – Most insurance companies allow a discount to buyers who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, it’s always a smart idea to compare other company rates to make sure you are getting the best deal.
How much liability insurance do you need? – The liability section of your policy will protect you if ever you are found liable for damages caused by your negligence. Liability insurance provides legal defense starting from day one. It is affordable coverage compared to other policy coverages, so do not skimp.
Auto insurance can be complex
When choosing the right insurance coverage for your vehicles, there really isn’t a one-size-fits-all type of policy. Every situation is different.
For example, these questions might help in determining if your situation might need professional guidance.
- What can I do if my company won’t pay a claim?
- What is the premium to book value ratio for dropping full coverage?
- Can good grades get a discount?
- What is the rate difference between pleasure use and commuting?
- Will my Chevy TrailBlazer be repaired with OEM or aftermarket parts?
- Should I put collision coverage on all my vehicles?
If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.
A little work can save a LOT of money
Cost effective Chevy TrailBlazer insurance can be sourced from both online companies in addition to many Raleigh insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance providers may not provide internet price quotes and many times these regional insurance providers only sell through independent agents.
When getting Raleigh car insurance quotes online, it’s not a good idea to reduce needed coverages to save money. Too many times, an accident victim reduced liability limits or collision coverage and discovered at claim time they didn’t have enough coverage. The proper strategy is to buy enough coverage at the best cost.
Consumers leave their current company for many reasons like policy non-renewal, high rates after DUI convictions, being labeled a high risk driver and even not issuing a premium refund. Regardless of your reason, choosing a new insurance company can be easier than you think.
More detailed insurance information is located in the articles below:
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Who Has Cheap Auto Insurance for Teenage Females in Raleigh? (FAQ)
- Who Has Cheap Car Insurance for 4×4 Vehicles in Raleigh? (FAQ)
- Who Has Affordable Raleigh Car Insurance for a Ford F-150? (FAQ)
- What Car Insurance is Cheapest in Raleigh, North Carolina? (FAQ)
- Where can I buy Insurance? (Insurance Information Institute)
- Learn About Car Insurance (GEICO)
- All About Airbag Safety (State Farm)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)