Looking for lower car insurance rates for your Chevrolet Blazer? Feel like you’re a prisoner to high-priced car insurance? Believe me, you’re not the only one.
With so many choices, it can be challenging to pick the lowest price insurance company.
There are several ways to compare rate quotes from insurance coverage companies in your area. The easiest way by far to find the lowest 2000 Chevy Blazer rates involves getting comparison quotes online. This can be done in a couple of different ways.
Whichever way you use, ensure you are comparing the exact same information for every company. If you are comparing higher or lower deductibles then you won’t be able to determine the best price for your Chevy Blazer. Slightly different coverage limits may cause a big price difference. And when comparison shopping, comparing a large number of companies helps you find lower pricing.
Insurance can be prohibitively expensive, but you can get discounts that you may not even be aware of. Some trigger automatically when you get a quote, but a few need to be asked about prior to receiving the credit.
It’s important to note that many deductions do not apply the the whole policy. Most only cut individual premiums such as comp or med pay. Even though it may seem like it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts will reduce your premiums.
A partial list of companies who might offer these money-saving discounts include:
Double check with all companies you are considering how you can save money. Some discounts might not be offered everywhere.
When it comes to buying coverage, there really is not a one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions may help you determine whether your personal situation might need professional guidance.
If you don’t know the answers to these questions, you may need to chat with an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area.
Knowing the specifics of a insurance policy aids in choosing the right coverages for your vehicles. Insurance terms can be confusing and reading a policy is terribly boring. Shown next are typical coverages found on the average insurance policy.
Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for bills for chiropractic care, pain medications, dental work and hospital visits. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay
Auto liability insurance – Liability insurance will cover damages or injuries you inflict on other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.
Liability coverage protects against things such as repair costs for stationary objects, attorney fees, medical services, pain and suffering and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.
Uninsured and underinsured coverage – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 2000 Chevy Blazer.
Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time these limits are set the same as your liablity limits.
Collision – Collision insurance covers damage to your Blazer caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims like backing into a parked car, driving through your garage door and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.
Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like a tree branch falling on your vehicle, hitting a bird, hitting a deer, hail damage and fire damage. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
We’ve covered many tips how you can shop for 2000 Chevy Blazer insurance online. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may be surprised to find that the best prices are with a small local company. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as Allstate, GEICO and Progressive.
The cheapest insurance is available on the web in addition to many insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.