Amazingly, the majority of drivers have been with the same company for a minimum of four years, and 38% of customers have never compared insurance rates at all. Many drivers in Cincinnati could save 55% a year by just shopping around, but they don’t know the amount of savings they would get if they switched to a cheaper policy.
If you want to find the absolute lowest rates, then the best way to get the cheapest Chevy TrailBlazer insurance is to regularly compare price quotes from insurance carriers in Cincinnati.
Step 1: Get an understanding of auto insurance and the measures you can control to keep rates in check. Many rating factors that increase rates such as speeding tickets, careless driving and an unacceptable credit history can be rectified by making small lifestyle or driving habit changes. Keep reading for additional ideas to get affordable coverage and get additional discounts.
Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like Progressive or Allstate, while independent agents can give you price quotes from multiple sources.
Step 3: Compare the quotes to your existing rates to see if switching to a new carrier will save money. If you find better rates and switch companies, make sure there is no coverage gap between policies.
Step 4: Give proper notification to your current agent or company of your decision to cancel your current policy. Submit payment and a completed application for your new coverage. Once the application is submitted, place your new certificate of insurance along with your vehicle registration.
One important bit of advice is to make sure you enter the same amount of coverage on every quote and and to get price quotes from as many companies as feasibly possible. Doing this provides an accurate price comparison and plenty of rates choose from.
Buying affordable coverage in Cincinnati is not as confusing as people think. If you have a current car insurance policy or just want cheaper coverage, use these tips to reduce premiums and still have adequate protection. Drivers just have to use the most efficient way to quote multiple rates online.
First Step: Get free Chevy TrailBlazer insurance quotes
The companies shown below have been selected to offer quotes in Ohio. If your goal is to find the best cheap auto insurance in OH, we recommend you get rates from several of them to find the cheapest car insurance rates.
Why you need insurance for your Chevy TrailBlazer
Even though it can be expensive, buying car insurance is required in Ohio but it also protects you in many ways.
First, most states have mandatory liability insurance requirements which means state laws require specific limits of liability protection 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 took out a loan on your car, it’s most likely the lender will have a requirement that you have insurance to guarantee payment of the loan. If you do not pay your insurance premiums, the bank may buy a policy for your Chevy for a much higher rate and make you pay much more than you were paying before.
Third, insurance protects your Chevy and your assets. It will also cover medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance also pays expenses related to your legal defense if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your policy will pay to repair the damage.
The benefits of buying car insurance definitely exceed the cost, especially for larger claims. Unknowingly, the average driver is overpaying more than $865 each year so shop around each time the policy renews to save money.
Auto insurance coverages
Learning about specific coverages of your policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.
Collision coverage – This coverage will pay to fix damage to your TrailBlazer resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like colliding with another moving vehicle, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible on your TrailBlazer to get cheaper collision coverage.
Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like surgery, funeral costs, X-ray expenses and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay
Comprehensive auto coverage – This coverage covers 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 insurance covers things like a broken windshield, damage from getting keyed, hail damage, vandalism and rock chips in glass. The maximum amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Auto liability insurance – Liability insurance provides protection from injuries or damage you cause to people or other property by causing an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.
Liability can pay for claims such as court costs, bail bonds, medical services and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible. Ohio state law requires minimum liability limits of 25/50/25 but you should consider buying higher limits.
The illustration below shows why buying low liability limits may not be enough coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your Chevy TrailBlazer.
Since many Ohio drivers only carry the minimum required liability limits (which is 25/50/25), their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
What is the best auto insurance company in Cincinnati?
Picking the right auto insurance provider can be rather challenging considering how many companies there are in Cincinnati. The rank data displayed below can help you pick which providers to look at when shopping your coverage around.
Top 10 Cincinnati Car Insurance Companies Ranked by Claims Service
- Liberty Mutual
- AAA Insurance
- Safeco Insurance
- The General
Persistence pays off
When getting Cincinnati car insurance quotes online, do not reduce coverage to reduce premium. Too many times, an insured dropped full coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal is to buy the best coverage you can find at the lowest possible cost, but do not skimp to save money.
People switch companies for any number of reasons including extreme rates for teen drivers, delays in responding to claim requests, high prices or even poor customer service. Whatever your reason, choosing a new insurance company is less work than it seems.
Lower-priced Chevy TrailBlazer insurance in Cincinnati can be found online and also from your neighborhood Cincinnati agents, and you should compare price quotes from both to get a complete price analysis. Some companies do not offer online rate quotes and usually these smaller companies only sell coverage through independent agents.
For more information, feel free to browse the resources below:
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- What Insurance is Cheapest for High Risk Drivers in Cincinnati? (FAQ)
- How Much are Cincinnati Car Insurance Quotes for a Toyota RAV4? (FAQ)
- Front crash protection reduces rear-end crashes (Insurance Institute for Highway Safety)
- Teen Driver Statistics (Insurance Information Institute)