Save on 2001 Chevrolet Blazer Car Insurance Cost

Trying to find lower car insurance rates for your Chevrolet Blazer? Feeling guilty for buying an expensive car insurance policy? Believe me when I say there are lots of people in the same boat. Vehicle owners have many car insurance companies to pick from, and although it’s a good thing to have a selection, lots of choices makes it harder to locate the cheapest rates.

You need to do rate comparisons every six months because insurance prices fluctuate regularly. Even if you think you had the best deal for Blazer coverage on your last policy other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the quickest way to properly buy coverages and cut your premium.

Finding cheaper coverage is not that difficult. If you have a policy now or are looking for a new policy, you can use this information to get lower rates while maximizing coverage. Drivers just need to understand the proper way to compare prices online.

Lower rates by qualifying for discounts

Companies offering auto insurance don’t always publicize all their discounts in an easy-to-find place, so the below list has both well-publicized and the more hidden credits that may apply to you.

  • College Student Discount – Any of your kids who live away from home at college and do not have access to a covered vehicle could get you a discount.
  • Safety Course Discount – Taking part in a driver safety class could cut 5% off your bill and easily recoup the cost of the course.
  • Discounts for Cautious Drivers – Accident-free drivers could pay up to 40% less for Blazer coverage than less cautious drivers.
  • 55 and Retired – Seniors could receive a small discount on rates for Blazer coverage.
  • Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn lower insurance coveragerates if you buy some life insurance in addition to your auto policy.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Most cut the price of certain insurance coverages like comp or med pay. Just because you may think it’s possible to get free car insurance, it doesn’t quite work that way.

A partial list of companies that may have these discounts include:

Before purchasing a policy, check with every prospective company which discounts you qualify for. Discounts might not be offered on policies everywhere. If you would like to view insurers that offer some of these discounts, follow this link.

Car insurance is unique, just like you

When buying the right insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions can aid in determining whether you might need professional guidance.

  • What are the best liability limits?
  • Why am I required to buy high-risk coverage?
  • Am I covered by my spouse’s policy after a separation?
  • Is my teenager covered with friends in the car?
  • Does my personal policy cover me when driving out-of-state?
  • Am I covered if I break a side mirror?
  • Do I have newly-aquired coverage?
  • Am I missing any policy discounts?
  • Does coverage extend to Mexico or Canada?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Car insurance specifics

Learning about specific coverages of car insurance can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types found on most car insurance policies.

Liability

Liability insurance provides protection from damage or injury you incur to other people or property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims such as legal defense fees, court costs, medical services, medical expenses and pain and suffering. How much coverage you buy is up to you, but consider buying as much as you can afford.

Medical expense coverage

Coverage for medical payments and/or PIP pay for expenses such as rehabilitation expenses, EMT expenses and funeral costs. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your Chevy Blazer.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Normally these limits are identical to your policy’s liability coverage.

Comprehensive protection

This coverage pays to fix your vehicle from 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 insurance covers things like hail damage, damage from getting keyed and vandalism. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for collisions

This coverage will pay to fix damage to your Blazer caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as sustaining damage from a pot hole, backing into a parked car, hitting a parking meter, colliding with a tree and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Have the Midas touch

There are still a few companies who do not offer online quoting and these smaller providers work with local independent agencies. Cheaper 2001 Chevy Blazer insurance is attainable online and also from your neighborhood agents, so compare prices from both to have the best selection.

You just learned a lot of tips how to compare 2001 Chevy Blazer insurance car insurance rates online. The most important thing to understand is the more times you quote, the better chance you’ll have of finding cheaper car insurance. You may even find the lowest car insurance rates come from the smaller companies. These smaller insurers may only write in your state and offer lower premium rates compared to the large companies like Progressive or Geico.

As you quote car insurance, it’s very important that you do not buy poor coverage just to save money. In many cases, someone sacrificed collision coverage only to regret that it was a big mistake. Your goal is to get the best coverage possible at the best price, but do not sacrifice coverage to save money.

Additional information can be found on the following sites: