How Much Does 2003 Chevrolet Blazer Insurance Cost?

Want better insurance coverage rates for your Chevrolet Blazer? Searching for budget-priced insurance coverage is overwhelming for people new to buying their insurance coverage online. With literally dozens of companies in the marketplace, how are people expected to have time to compare every company to locate the lowest rates?

If you currently have a car insurance policy, you stand a good chance to be able to save some money using these techniques. Buying cheaper insurance coverage coverage can be fairly easy. But consumers must understand how the larger insurance companies sell online and take advantage of how the system works.

Chevy Blazer insurance premium factors

Many different elements are considered when quoting car insurance. Some are pretty understandable like a motor vehicle report, but other factors are more transparent such as your credit history or how safe your car is.Consumers need to have an understanding of some of the things that aid in calculating your policy premiums. If you know what positively or negatively impacts your premiums, this allows you to make educated decisions that may reward you with lower rates.

  • Liability protection is peace of mind – Liability insurance will afford coverage if ever you are responsible for damages caused by your negligence. This coverage provides you with a defense in court which can cost thousands of dollars. It is affordable coverage as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
  • Safety first – Vehicles with high crash test scores can get you lower premiums. Vehicles built for safety have better occupant injury protection and lower injury rates means your insurance company pays less which can result in lower premiums.
  • Raise physical damage deductibles and save – Protection for physical damage, also known as collision and other-than-collision, protects your Chevy from damage. Examples of covered claims could be colliding with a building, hail damage, and windstorm damage. Your deductibles are the amount of money you are willing to pay out-of-pocket if a claim is determined to be covered. The larger the amount the insured is willing to pay, the less your insurance will be on Blazer insurance.
  • Cautious drivers pay better prices – Drivers who don’t get tickets have lower premiums compared to bad drivers. Having a single moving violation may cause rates to rise by twenty percent. People who have severe violations such as DUI or willful reckless driving may need to prove financial responsibility to the state department of motor vehicles in order to legally drive.
  • Your employer can affect prices – Did you know your occupation can influence how much you pay for insurance? Occupational choices like judges, business owners and miners generally have higher average rates attributed to intense work-related stress and lengthy work days. On the flip side, jobs like farmers, athletes and performers receive lower rates on Blazer insurance.

You may qualify for discounts

Car insurance companies don’t always publicize every policy discount very well, so below is a list both the well known in addition to some of the lesser obvious credits that may apply to you. If you check and find you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Full Payment Discount – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Discounts for Responsible Drivers – Insureds who avoid accidents may save up to 50% more on Blazer insurance than drivers with accidents.
  • Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Accident Free – Drivers who stay claim-free get the best insurance coverage rates in comparison to insureds who have frequent claims or accidents.
  • New Car Discount – Buying a new car instead of a used car can be considerably cheaper because newer models have to meet stringent safety requirements.
  • Low Mileage Discounts – Fewer annual miles on your Chevy could be rewarded with cheaper prices.

Don’t be surprised that most discounts do not apply to your bottom line cost. Most only cut specific coverage prices like liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, company stockholders wouldn’t be very happy. But any discount will help lower your policy premiums.

If you would like to see a list of insurers offering insurance coverage discounts, click this link.

Can you really save that much by switching?

Big name companies like Progressive, Geico, Allstate and State Farm endlessly run ads on TV and radio. They all try to convey promises about how much you will save if you move your coverage to them. How is it plausible that every one can have lower policy pricing?

Companies quote their cheapest rates for the driver that earns them the most money. One example of a profitable insured could be a female over age 40, owns a home, and drives newer vehicles. A propective insured who meets those qualifications receive the lowest rate quotes and as a result will probably save when they switch companies.

Consumers who don’t qualify for the “perfect” profile will see a higher premium and this results in the customer buying from a different company. If you listen closely, the ads state “customers that switch” not “everyone who quotes” save that kind of money. That’s the way insurance companies can confidently make it sound like they have such great auto insurance rates.

Different companies use different criteria so you really should get as many free car insurance quotes as possible. Because you cannot predict which car insurance company will have the best rates.

There’s no such thing as the perfect insurance policy

When choosing the best insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Each situation is unique.

For example, these questions might point out whether you could use an agent’s help.

  • What is the minimum liability in my state?
  • Is my Chevy Blazer covered if I use it for business?
  • Can my babysitter drive my car?
  • Is a blown tire covered by insurance?
  • I have health insurance so do I need medical payments coverage?
  • Why am I required to buy high-risk coverage?
  • Do all my vehicles need collision coverage?
  • Why am I required to buy liability insurance?
  • How do I file an SR-22 for a DUI in my state?
  • How can I get my company to pay me more for my totalled car?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Specific coverages for a 2003 Chevy Blazer

Understanding the coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement.

Collision coverage protection

Collision coverage covers damage to your Blazer caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as rolling your car, damaging your car on a curb, sideswiping another vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Blazer.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Usually these coverages are set the same as your liablity limits.

Coverage for liability

This coverage will cover injuries or damage you cause to people or other property by causing an accident. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims like medical expenses, loss of income and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a bird, damage from a tornado or hurricane, a broken windshield, rock chips in glass and hitting a deer. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as pain medications, dental work, nursing services and funeral costs. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and 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

Save for a rainy day

When searching for inexpensive car insurance quotes, make sure you don’t skimp on critical coverages to save a buck or two. Too many times, someone sacrificed liability coverage limits only to regret that it was a big error on their part. Your aim should be to buy the best coverage you can find for the lowest price.

In this article, we covered a lot of techniques to lower your 2003 Chevy Blazer insurance premium rates. The key thing to remember is the more companies you get prices for, the better likelihood of getting affordable car insurance. Consumers could even find that the most savings is with a lesser-known regional company.

People switch companies for a variety of reasons including unfair underwriting practices, questionable increases in premium, delays in responding to claim requests or even lack of trust in their agent. It doesn’t matter what your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

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