How many times have you said it’s time to compare low-cost Chevy TrailBlazer insurance in San Antonio? Feel like you have an overpriced car insurance policy? You’re in good company because many San Antonio drivers feel the same as you.
It’s an obvious conclusion that insurance companies want to keep your business as long as possible. Insureds who shop rates annually are highly likely to switch companies because of the high probability of finding a policy with better rates. Remarkably, a study showed that people who regularly compared price quotes saved about $850 each year compared to people who never compared other company’s rates.
If finding discount rates on auto insurance in San Antonio is your goal, then having an understanding of how to find and compare coverage rates can make it easier to find better rates.
You have so many car insurance companies to insure vehicles with, and although it’s a good thing to have a choice, it can be more challenging to find the best rates for your vehicles.
Choosing the most cost-effective auto insurance policy in San Antonio is really quite simple as long as you have a good starting point. Virtually every vehicle owner who is overpaying for auto insurance most likely will find a lower-cost policy. But Texas drivers must understand the way companies calculate your auto insurance rates and take advantage of how the system works.
Cheap companies for Chevy TrailBlazer insurance in Texas
The auto insurance companies shown below are ready to provide price comparisons in San Antonio, TX. If multiple companies are shown, we suggest you visit several of them in order to find the most affordable rates.
Determine discounts to get cheap San Antonio auto insurance rates
Some insurers don’t necessarily list all discounts in a way that’s easy to find, so we break down a few of the more common as well as the least known discounts that may be available. If you aren’t receiving every discount you deserve, it’s possible you qualify for a lower rate.
- Federal Employees – Active or former government employment could cut as much as 10% off but check with your company.
- Pay Early and Save – By paying your policy upfront instead of making monthly payments you can avoid the installment charge.
- Discount for Low Mileage – Maintaining low annual mileage could qualify for lower prices on the low mileage vehicles.
- Discount for Life Insurance – Select insurance carriers reward you with a small discount if you purchase life insurance from them.
- Save with a New Car – Buying auto insurance coverage on a new vehicle can get you a discount due to better safety requirements for new vehicles.
You should keep in mind that most discount credits are not given to all coverage premiums. Most only cut individual premiums such as liability and collision coverage. Just because you may think all the discounts add up to a free policy, that’s just not realistic.
A list of auto insurance companies and their offered discounts are detailed below.
- Farm Bureau has savings for safe driver, driver training, good student, youthful driver, multi-vehicle, 55 and retired, and renewal discount.
- Liberty Mutual may have discounts that include good student, multi-policy, hybrid vehicle, exclusive group savings, newly retired, new graduate, and new vehicle discount.
- State Farm includes discounts for Drive Safe & Save, passive restraint, multiple policy, Steer Clear safe driver discount, accident-free, and anti-theft.
- Auto-Owners Insurance offers discounts for anti-theft, anti-lock brakes, teen driver, paperless, and good student.
- GEICO may include discounts for anti-lock brakes, military active duty, good student, multi-policy, and emergency military deployment.
- SAFECO offers discounts including teen safety rewards, homeowner, anti-lock brakes, bundle discounts, safe driver, and multi-car.
When comparing rates, check with every prospective company to apply every possible discount. Discounts might not apply everywhere. If you would like to see a list of insurance companies that offer the discounts shown above in Texas, click this link.
How much auto insurance do I need?
When quoting and comparing coverage for your vehicles, there really is not a one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions can help discover whether your personal situation might need an agent’s assistance.
- How can I get high-risk coverage after a DUI?
- Where can I get insurance after a DUI in Texas?
- When should my teen driver be added to my policy?
- Is pet coverage available?
- When can my company non-renew my policy?
- Am I covered if I break a side mirror?
- Do I pay less for low miles?
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.
When should I get advice from a local insurance agent?
A lot of people still prefer to talk to an insurance agent and that is recommended in a lot of cases One of the best bonuses of comparing rates online is the fact that drivers can get the lowest rates but still work with a licensed agent.
To find an agent, once you fill out this simple form, your insurance coverage information is emailed to local insurance agents in San Antonio who can give free rate quotes for your business. You won’t even need to search for an agent because quoted prices will be sent to you directly. Get lower rates AND a local agent. If you have a need to get a comparison quote from a particular provider, just go to their quote page and fill out the quote form the provide.
Choosing an provider should depend on more than just the bottom line cost. Below are some questions you should ask.
- Do the companies they represent have a solid financial rating?
- Is the agency involved in supporting local community causes?
- Will their companies depreciate repairs to your car based on the mileage?
- Does the agency have a positive business rating?
- Does the company have a local claim office in San Antonio?
If you are searching for a good insurance agency, you need to know there are two types of insurance agents that you can choose from. Agencies in San Antonio can be classified as either exclusive or independent (non-exclusive).
Exclusive Car Insurance Agencies
Exclusive insurance agents can only quote rates from one company such as Farmers Insurance, State Farm, Allstate, and AAA. They are unable to compare other company’s rates so they are skilled at selling on more than just price. Exclusive agents are very knowledgeable on what they offer which helps them sell insurance even at higher premiums.
The following are exclusive agencies in San Antonio that are able to give price quote information.
Independent Agents (or Brokers)
Independent agents often have affiliation with several companies and that enables them to quote your coverage through many companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they can switch companies in-house and you won’t have to switch agencies. When comparing car insurance prices, we highly recommend that you include price quotes from multiple independent agents to have the best price comparison.
Listed below is a list of independent insurance agents in San Antonio that can give you price quotes.
A and A Insurance Agency
1317 Castroville Rd – San Antonio, TX 78237 – (210) 434-2311 – View Map
After you get answers to your satisfaction to any questions you have and a low price estimate, you’ve probably found an auto insurance agent that can properly service your car insurance policy. Just remember policyholders can cancel your coverage whenever you want so never assume that you are permanently stuck with your new company with no way to switch.
Educate yourself about auto insurance coverages
Having a good grasp of your auto insurance policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement. These are typical coverages available from auto insurance companies.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things like rock chips in glass, damage from getting keyed, a broken windshield, damage from a tornado or hurricane and theft. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Liability auto insurance
Liability insurance will cover injuries or damage you cause to other people or property by causing an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 30/60/25 that translate to a limit of $30,000 per injured person, $60,000 for the entire accident, and $25,000 of coverage for damaged property.
Liability coverage protects against things like repair bills for other people’s vehicles, medical services, court costs, repair costs for stationary objects and funeral expenses. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford. Texas state minimum liability requirements are 30/60/25 but drivers should carry higher limits.
The illustration below shows why buying minimum limits may not provide you with enough coverage.
Uninsured Motorist or Underinsured Motorist insurance
This coverage protects you and your vehicle 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 your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required (which is 30/60/25), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like funeral costs, EMT expenses, hospital visits, rehabilitation expenses and dental work. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible
Coverage for collisions
This coverage pays for damage to your TrailBlazer resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things such as hitting a mailbox, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible on your TrailBlazer to bring the cost down.
Don’t give up on cheap rates
We just presented some good ideas how you can save on Chevy TrailBlazer insurance in San Antonio. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest priced car insurance comes from the smaller companies. They often have lower prices on specific markets compared to the large companies like Progressive and GEICO.
The cheapest Chevy TrailBlazer insurance in San Antonio can be sourced both online in addition to many San Antonio insurance agents, and you need to comparison shop both to have the best rate selection. Some car insurance companies do not offer price quotes online and these regional carriers prefer to sell through independent agents.
When trying to cut insurance costs, never sacrifice coverage to reduce premiums. Too many times, an insured cut full coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to find the BEST coverage for the lowest cost while still protecting your assets.
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