Looking for the cheapest car insurance rates for your Chevrolet Blazer? Finding the cheapest insurance for a Chevy Blazer can normally be an all-consuming task, but you can follow our car insurance buying tips and make it easy.
There is a right way and a wrong way to buy car insurance and we’ll show you the best way to price shop coverage for your Chevy and obtain the lowest possible price.
You should take the time to do rate comparisons on a regular basis because prices change quite often. Even if you got the lowest price for Blazer coverage six months ago other companies may now be cheaper. So forget all the misinformation about car insurance because you’re about to learn the best methods to remove unneeded coverages and save money.
Buying affordable insurance coverage is quite easy. If you are insured now or are shopping for new coverage, you can learn to get lower rates and possibly find even better coverage. Vehicle owners just need to learn the tricks to compare prices online.
Smart consumers have a good feel for some of the elements that go into determining the price you pay for auto insurance. Knowing what determines base rates helps enable you to make changes that can help you get big savings.
Shopping for lower insurance rates can take time and effort if you don’t understand the fastest way to get free quotes. You can waste hours discussing policy coverages with agents in your area, or you can stay home and use online quotes to maximize your effort.
Many of the larger companies are enrolled in a marketplace where prospective buyers enter their policy data once, and at least one company then gives them pricing for coverage. This system prevents you from having to do quote forms to each individual insurance company. To find out what other companies charge for 2001 Chevy Blazer insurance click here (opens in new window).
The one downside to getting quotes like this is you don’t know exactly which carriers to receive prices from. If you prefer to choose specific insurance companies to receive pricing from, we put together a list of the cheapest insurance companies in your area. Click here to view list.
It’s your choice how you get your quotes, but ensure you are comparing identical coverage limits on every quote you get. If you use unequal deductibles or liability limits it will be next to impossible to truly determine the lowest rate.
Insurance can cost an arm and a leg, but you can get discounts that many people don’t even know exist. A few discounts will automatically apply at the time you complete a quote, but some may not be applied and must be asked for before they will apply. If they aren’t giving you every credit you qualify for, you are paying more than you should be.
Drivers should understand that some credits don’t apply to the entire cost. Most only reduce individual premiums such as collision or personal injury protection. So despite the fact that it appears all the discounts add up to a free policy, it just doesn’t work that way. Any amount of discount will reduce the amount you have to pay.
Companies that possibly offer these benefits include:
Check with each company how you can save money. Some discounts might not apply in your area.
When it comes to buying coverage for your vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.
These are some specific questions may help you determine if your situation would benefit from an agent’s advice.
If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can help protect your family.
Knowing the specifics of a car insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement.
Coverage for medical payments – Med pay and PIP coverage reimburse you for bills for things like rehabilitation expenses, funeral costs, pain medications and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage
Liability insurance – This coverage can cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined limit which limits claims to one amount without having the split limit caps.
Liability coverage pays for things such as court costs, structural damage, repair costs for stationary objects, medical expenses and legal defense fees. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.
Uninsured and underinsured coverage – Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Chevy Blazer.
Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are similar to your liability insurance amounts.
Collision – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things such as backing into a parked car, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.
Comprehensive coverages – This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things such as falling objects, damage from flooding, rock chips in glass and hitting a deer. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
We’ve covered many ways to lower your 2001 Chevy Blazer insurance rates. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may even find the lowest priced car insurance comes from an unexpected company.
Low-cost insurance can be found on the web and also from your neighborhood agents, and you should be comparing both to have the best selection. Some car insurance companies may not provide online quoting and these smaller companies work with independent agents.
Consumers who switch companies do it for any number of reasons including denial of a claim, high prices, being labeled a high risk driver and poor customer service. It doesn’t matter why you want to switch switching companies is not as hard as you think.
More detailed car insurance information can be read at these sites: