Car insurance shopping is not really something drivers look forward to, but unfortunately it’s required for every vehicle.
This article will introduce you to how car insurance quotes work and some tricks to saving. If you have car insurance now, you will most likely be able to reduce your rates substantially using this strategy. But vehicle owners must learn the way insurance companies sell insurance online and use this information to your advantage.
There are several ways to shop for Chevy Blazer insurance, but some are less labor-intensive and much quicker. You can waste a few hours (or days) driving to agents in your area, or you can stay home and use the internet to achieve your goal.
Many insurance companies belong to a marketplace where prospective buyers enter their coverage request one time, and each participating company returns a competitive quote based on that information. This eliminates the need for quote requests to every company.
To find out what other companies charge for 2004 Chevy Blazer insurance click here (opens in new window).
The only downside to using this type of form is you don’t know exactly which insurance companies you want to price. If you wish to select specific providers for rate comparison, we put together a list of the cheapest insurance companies in your area. Click here for list of insurance companies.
Which method you use is up to you, but compare apples-to-apples deductibles and coverage limits for every quote you compare. If your comparisons have mixed coverages you can’t possibly make a fair comparison for your Chevy Blazer. Having just a slight variation in limits can make a big difference in price. And when comparing insurance rates, know that more quotes will improve the odds of getting lower pricing.
An important part of buying insurance is that you know the rating factors that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively influences your rates helps enable you to make changes that could result in much lower annual insurance costs.
Shown below are some of the factors that factor into premiums.
Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to cut the cost considerably. Certain discounts will be applied at quote time, but a few must be inquired about prior to receiving the credit.
A little note about advertised discounts, most credits do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, you’re out of luck. Any qualifying discounts will reduce your overall premium however.
Companies that may offer these discounts include:
Check with each insurance company what discounts are available to you. Savings may not be available in your state.
When buying proper insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.
These are some specific questions may help you determine if your situation might need professional guidance.
If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form.
Having a good grasp of your policy can help you determine which coverages you need for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.
Collision coverage covers damage to your Blazer resulting from a 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 coverage pays for claims like backing into a parked car, sideswiping another vehicle, hitting a parking meter, crashing into a ditch and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.
Liability car insurance
Liability insurance will cover damage or injury you incur to people or other property. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability insurance covers claims like repair bills for other people’s vehicles, structural damage, medical expenses and medical services. How much coverage you buy is a personal decision, but buy higher limits if possible.
Coverage for uninsured or underinsured drivers
This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Chevy Blazer.
Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits are similar to your liability insurance amounts.
This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.
Comprehensive can pay for claims like hitting a bird, rock chips in glass, a broken windshield, fire damage and damage from flooding. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Coverage for medical expenses
Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like doctor visits, chiropractic care, X-ray expenses and rehabilitation expenses. They are used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage
We just showed you quite a bit of information on how to shop for 2004 Chevy Blazer insurance online. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the best price on auto insurance is with the smaller companies.
People who switch companies do it for a number of reasons such as not issuing a premium refund, an unsatisfactory settlement offer, delays in responding to claim requests or high rates after DUI convictions. Regardless of your reason for switching companies, finding a new auto insurance company is less work than it seems.
Lower-priced insurance can be purchased online as well as from independent agents, so you should compare both in order to have the best price selection to choose from. Some auto insurance companies don’t offer online price quotes and most of the time these regional insurance providers sell through independent agents.
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