It's shocking but the vast majority of consumers kept buying from the same company for at least the last four years, and almost 40% of drivers have never compared rates to find lower-cost insurance. Drivers in America could save nearly 46.5% each year just by getting comparison quotes, but they don't believe the amount of savings they would get if they changed companies.
If you want to save the most money, the best way to find better pricing on Chevy TrailBlazer insurance is to compare prices once a year from insurance carriers that insure vehicles in Boston. You can shop around by following these steps.
- Read about individual coverages and the factors you can control to prevent expensive coverage. Many rating criteria that drive up the price such as accidents, traffic violations, and a low credit rating can be improved by improving your driving habits or financial responsibility. Read the full article for tips to help prevent high rates and find more discounts that you may not know about.
- Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only provide price estimates from one company like GEICO and State Farm, while agents who are independent can give you price quotes for many different companies.
- Compare the new rates to the price on your current policy to see if you can save by switching companies. If you can save some money and buy the policy, ensure there is no coverage lapse between policies.
- Notify your company or agent to cancel your current car insurance policy and submit a down payment and signed policy application for the new coverage. As soon as coverage is bound, put the new proof of insurance certificate in your vehicle's glove compartment or console.
One key aspect when comparing rates is to compare the same coverage limits and deductibles on each quote and and to compare all possible companies. This ensures a level playing field and a thorough selection of prices.
Comparison shopping for the most affordable policy in Boston is not as hard as you think. Practically anyone who wants cheaper car insurance will probably get a lower-priced policy. Although Massachusetts consumers benefit from understanding how big insurance companies compete online because rates fluctuate considerably.
Ways to get Chevy TrailBlazer insurance quotes in Boston, MA
Keep in mind that comparing all the rates in your area increases your odds of finding lower pricing. Some companies don't provide online rate quotes, so you need to compare price quotes from them as well.
The companies shown below are ready to provide price quotes in Boston, MA. If you wish to find the cheapest car insurance in Massachusetts, we suggest you visit as many as you can to find the lowest car insurance rates.
Why you need insurance for your vehicle
Despite the fact that car insurance is not cheap in Boston, insurance may be required and benefits you in several ways.
- Most states have minimum liability requirements which means you are required to buy a minimum amount of liability coverage if you drive a vehicle. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Chevy has a loan, almost all lenders will force you to have physical damage coverage to guarantee loan repayment. If you let the policy lapse, the lender may have to buy a policy to insure your Chevy at a significantly higher premium and require you to reimburse them for the much more expensive policy.
- Insurance protects not only your vehicle but also your assets. It also can pay for most medical and hospital costs for both you and anyone you injure as the result of an accident. Liability coverage also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay all costs to repair after the deductible has been paid.
The benefits of carrying adequate insurance more than offset the price you pay, especially with large liability claims. The average driver in Massachusetts overpays more than $700 annually so smart consumers compare quotes at least once a year to help ensure money is not being wasted.
Having a good grasp of a auto insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are typical coverage types found on the average auto insurance policy.
Comprehensive or Other Than Collision
This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims like hitting a deer, rock chips in glass, hitting a bird and falling objects. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.
Medical costs insurance
Medical payments and Personal Injury Protection insurance reimburse you for expenses such as doctor visits, nursing services, funeral costs and pain medications. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to 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
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your Chevy TrailBlazer.
Since a lot of drivers carry very low liability coverage limits (which is 20/40/5), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liability limits.
Coverage for collisions
This covers damage to your TrailBlazer resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for claims like crashing into a ditch, damaging your car on a curb, colliding with another moving vehicle and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to bump up the deductible on your TrailBlazer to save money on collision insurance.
Liability insurance protects you from damage or injury you incur to a person or their property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 20/40/5 that means you have $20,000 bodily injury coverage, a per accident bodily injury limit of $40,000, and a total limit of $5,000 for damage to vehicles and property. Another option is one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage protects against claims such as repair costs for stationary objects, bail bonds and pain and suffering. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford. Massachusetts requires minimum liability limits of 20/40/5 but you should consider buying higher limits.
The chart below demonstrates why buying low liability limits may not be high enough to cover claims.
More effort can pay off
We've covered some good ideas how you can find cheaper Chevy TrailBlazer insurance in Boston. The most important thing to understand is the more quotes you get, the better chance you'll have of finding inexpensive Boston auto insurance quotes. Drivers may even discover the best price on car insurance is with a smaller regional carrier. Smaller companies can often insure niche markets at a lower cost compared to the large companies like Allstate or State Farm.
When trying to cut insurance costs, it's a bad idea to reduce needed coverages to save money. Too many times, someone sacrificed uninsured motorist or liability limits only to regret that the savings was not a smart move. The aim is to purchase a proper amount of coverage at the best price while still protecting your assets.
Cheaper car insurance in Boston is attainable on the web and also from your neighborhood Boston agents, so you need to shop Boston auto insurance with both to have the best selection. There are still a few companies who may not provide the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.
Additional detailed information is available at these sites:
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- What Car Insurance is Cheapest for a Honda Civic in Boston? (FAQ)
- How Much are Auto Insurance Quotes for a Chevrolet Traverse in Boston? (FAQ)
- What Insurance is Cheapest for a GMC Sierra in Boston? (FAQ)
- Who Has Affordable Auto Insurance for Used Cars in Boston? (FAQ)
- Who Has the Cheapest Boston Auto Insurance Rates for Drivers Requiring a SR22? (FAQ)
- Who Has the Cheapest Auto Insurance for a Ford Explorer in Boston? (FAQ)
- Speed and Speed Limit FAQ (iihs.org)
- How do I File a Claim? (Insurance Information Institute)
- Auto Insurance FAQ (Farmers Insurance)
- Side Impact Crash Tests (iihs.org)