Lower Your 2001 Chevrolet Blazer Insurance Rates

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.

Chevy Blazer insurance rates are influenced by…

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.

  • Safer cars are cheaper to insure – Vehicles with high crash test scores can get you lower premiums. Safe vehicles result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Chevy earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Where do you drive? – Driving more miles every year the more you’ll pay to insure your vehicle. Most companies charge to insure your cars determined by how the vehicle is used. Cars left parked in the garage receive lower rates compared to those used for work or business. Make sure your auto insurance coverage shows the proper vehicle usage, because improper ratings can cost you money. Incorrect usage on your Blazer can cost quite a bit.
  • Traffic citations inflate rates – Whether or not you get tickets has a lot to do with how much you pay for insurance. Only having one speeding ticket may increase your cost forty percent or more. Drivers with clean records receive lower rates compared to drivers with tickets. Drivers with flagrant tickets such as hit and run, DWI or reckless driving convictions are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.
  • Bump up deductibles to save – Your deductibles represent how much money you are required to spend out-of-pocket if you file a covered claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply could be colliding with a building, vandalism, and burglary. The higher the amount you are required to pay out-of-pocket, the less your auto insurance will be for Blazer coverage.
  • Equipment add-ons that lower auto insurance rates – Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your auto insurance. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
  • Your location affects your rates – Choosing to live in a small town is a positive aspect when insuring your vehicles. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims. Drivers in populated areas regularly have more traffic problems and much longer commute distances. Higher commute times means more change of being in an accident.
  • Rates may be lower depending on your job – Did you know your occupation can influence how much you pay for auto insurance? Occupations like doctors, social workers and dentists have the highest average rates attributed to high stress levels and long work days. Other occupations such as farmers, historians and homemakers get better rates for Blazer coverage.
  • Do you need those extra coverages? – There are a lot of extra bells and whistles that you can buy on your Blazer policy. Things like rental car reimbursement, towing coverage and term life insurance may be wasting your money. They may seem good when you first buy your policy, but if they’re wasting money remove them from your policy.

How to Compare Insurance Costs

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.

Don’t miss these discounts

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.

  • Driver’s Ed – Require your teen driver to take driver’s ed class if offered at their school.
  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Use Seat Belts – Requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Senior Discount – Mature drivers may qualify for a small decrease in premiums for Blazer coverage.
  • New Car Discount – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
  • Safe Drivers – Insureds without accidents may receive a discount up to 45% less for Blazer coverage than their less cautious counterparts.
  • Early Signing – A few companies offer discounts for signing up prior to your current policy expiring. This can save 10% or more.
  • Sign Online – Some insurance companies may give you up to $50 for buying your policy online.

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 might I need help?

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.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Should I rate my 2001 Chevy Blazer as pleasure use or commute?
  • Can my teen drive my company car?
  • Am I missing any policy discounts?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered if I crash into my own garage door?

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.

Car insurance coverages and their meanings

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.

Have money to burn

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: