Chevrolet Chevrolet Blazer Insurance Rates
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UPDATED: May 11, 2022
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Drivers have options when trying to find the best price on Chevy Blazer insurance. You can find an agent to work with directly in a store, or you can go online and obtain quotes that way. Whichever you choose, you’ll be able to better source what sort of prices are on the market, because they change all the time.
Knowing how to operate amidst the constant battle of companies for your attention can give you the upper hand. There may be many commercials and ads thrown at you, but knowing that you have the power to make the choice yourself can give you confidence to shop at your own pace.
In this article, we’ll cover how to look for the best Chevy Blazer insurance cost, though these tips could be used for just about any vehicle. Keep in mind that the factors used to determine your insurance rates will vary based on the company.
Want to compare auto insurance companies to find the best rates? Just enter your ZIP code into our free comparison tool to get started.
Why should you compare auto insurance rates?
There are a variety of methods you can use to shop for the best Chevy Blazer insurance costs, but there is one way that is less labor-intensive and much quicker than the others. That would be going online to get quotes directly from websites of companies you’ve seen and have your interest. This doesn’t mean you should forget about live agents all together. In fact, you can often find chat options online too, since some companies have seen the uprise in online popularity. This definitely saves you a trip to the store.
Many popular insurance companies enroll in a system where insurance shoppers send in one quote, and multiple companies will send a response. This can save you a lot of time in your search. However, one minor caveat to using this type of system is you are unable to specify which companies to get pricing from.
Whether you prefer speaking with a live agent or finding quotes online, make absolute certain that you use apples-to-apples coverage limits and deductibles with every price quote. If you compare unequal deductibles or liability limits, it’s not possible to make a fair comparison for your Chevy Blazer or any other vehicle you may own.
What discounts could save you money on your car insurance?
Car insurance is not cheap, but discounts can save you money. Not to mention there is such a wide range available, there will almost certainly be one where you meet the qualifications. Certain discounts will be triggered automatically when you quote, but some may not be applied and must be specifically requested in order for you to get them. If you’re not getting every credit possible, you are paying more than you should be.
- Military Discount – Being on active duty in the military could be rewarded with lower premiums.
- Multi-vehicle Discount – Having multiple cars or trucks on one policy could earn a price break for each car.
- Student Discount – Any of your kids who are attending college without a vehicle on campus may qualify for this discount.
- Bundling Options – Some companies give lower rates if you buy life insurance from them.
- Early Switch Discount – Select companies give a discount for switching policies before your current policy expires. It’s a savings of about 10% on average.
- Drive Safe and Save Discount – Safe drivers can get discounts for up to 45% lower rates on insurance than their less cautious counterparts.
Keep in mind that most credits do not apply to the entire cost. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, you’re out of luck. But any discount will reduce the cost of coverage.
Car insurance companies that possibly offer these benefits are:
- State Farm
- American Family
- Liberty Mutual
Double check with every prospective company which discounts you may be entitled to. Savings may not apply in your state.
What is the best insurance coverage?
When it comes to buying the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique. This is why there are choices for you when it comes to shopping for your insurance policy. You may need to speak with an agent because your situation is rare.
These are some specific questions may help you determine whether you might need an agent’s assistance:
- Will I be non-renewed for getting a DUI or other conviction?
- Where can I find high-risk insurance?
- Do I need PIP coverage since I have good health insurance?
- What exactly is covered by my policy?
- What if I total my 2001 Chevy Blazer and owe more than it’s worth?
- Do I have any recourse if my insurance company denies a claim?
- Why is insurance for a teen driver so high?
- Am I covered if I break a side mirror?
- Is my trailer covered?
If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent.
What are some examples of coverage types?
Learning about specific coverages of your policy can help you determine which coverages you need for your vehicles. Policy terminology can be ambiguous, and reading a policy may not make for the most exciting evening, but it’s vital to understand where your money is going. What sort of coverage you require is going to differ from other drivers, based on what type of vehicle you drive, how often you drive, and what you want to protect your vehicle against.
Plus, your rates may increase or decrease depending on the state of your vehicle. For instance, the value of a 2001 Chevy Blazer in good condition with low mileage for its year may net you a better rate than a Blazer that has high mileage and is in rough shape. Each situation is going to be different, so it’s up to you to determine how much coverage you will need.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your vehicle.
Since many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.
Collision insurance covers damage to your Blazer from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as rolling your car, crashing into a building, driving through your garage door, sideswiping another vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.
This pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage can pay for claims like damage from a tornado or hurricane, rock chips in glass and vandalism. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Med pay and Personal Injury Protection (PIP)
Med pay and PIP coverage kick in for immediate expenses like nursing services, hospital visits and chiropractic care. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible
This will cover damage that occurs to a person or their property. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit without having the split limit caps.
Liability insurance can pay for things like bail bonds, legal defense fees, court costs, medical services and structural damage. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.
Why should you compare car insurance rates?
Cost effective 2001 Chevy Blazer insurance can be sourced both online and with local insurance agents, so you should compare both to have the best chance of lowering rates. A few companies do not offer the ability to get a quote online, and these small insurance companies work with independent agents. Don’t let that stop you from talking with them, as sometimes the smaller companies may offer you the best deal. You may find that your Chevy Blazer insurance costs are lower without using a major insurance company.
Just keep in mind that when you buy insurance online, do not skimp on coverage in order to save money. There have been unfortunate circumstances where a driver has dropped comprehensive coverage, only to find that by saving a few dollars in the short term, they’ve lost hundreds in the long term after they hit a deer. The aim is to buy enough coverage at the best price while still protecting your vehicle.
Drivers may want to change insurance companies for a variety of reasons, including questionable increases in premium, delays in responding to claim requests, delays in paying claims, or even an unsatisfactory settlement offer. It doesn’t matter why you want to switch, there are plenty of ways to find the best auto insurance company for you and your vehicle.
To learn more, link through to the resources below:
- Insuring a Leased Car (Insurance Information Institute)
- Driving in Bad Weather (Insurance Information Institute)
- What if I Can’t Find Coverage? (Insurance Information Institute)
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