View 2004 Chevrolet Blazer Insurance Cost

Searching for more affordable insurance online is challenging for consumers not familiar with buying insurance on the web. When there are so many companies competing online, how are consumers expected to possibly compare every one to find the best available price?

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these tips. The purpose of this article is to tell you the most effective way to quote insurance and some money-saving tips. But consumers do need to understand how big insurance companies sell online because it can help you find the best coverage.

The easiest way to compare insurance rates from multiple companies is to realize almost all companies allow for online access to give you rate quotes. To begin a comparison, all you need to do is provide details such as how many miles driven, the type of vehicles you drive, level of coverage desired, and whether your vehicle is owned or leased. That rating information is instantly provided to many highly-rated insurers and they return cost estimate quickly.

Discounts to earn affordable car insurance rates

Not too many consumers would say car insurance is affordable, but there could be available discounts that can dramatically reduce your bill. Certain discounts will be applied when you quote, but once in a while a discount must be inquired about before being credited.

  • Drive Less and Save – Low mileage vehicles can qualify you for cheaper prices.
  • Multiple Policy Discount – When you have multiple policies with one insurance company they may give you a discount of 10% to 20% off each policy.
  • Senior Citizen Discount – Drivers over the age of 55 may be able to get a small decrease in premiums for Blazer insurance.
  • Safety Restraint Discount – Buckling up and requiring all passengers to use their safety belts may be able to save a few bucks on the medical payments or PIP coverage costs.
  • Drivers Education – Cut your cost by having your teen driver take driver’s ed class as it will make them better drivers and lower rates.
  • Early Signing – A few companies offer discounts for switching policies before your current policy expires. You may see this discount when you get auto insurance quotes online.

As a sidenote, most discounts do not apply to your bottom line cost. Most only cut the cost of specific coverages such as comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, you’re out of luck.

Auto insurance companies that may have some of the discounts shown above include:

Check with every insurance company what discounts are available to you. Some discounts might not be offered in your state. If you would like to choose from a list of car insurance companies offering car insurance discounts, click here.

Tailor your auto insurance coverage to you

When it comes to buying coverage, there is no best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions may help highlight if your situation might need professional guidance.

  • Does my 2004 Chevy Blazer qualify for pleasure use?
  • What is the difference between comprehensive and collision coverage?
  • Am I covered when driving on a suspended license?
  • How can I find cheaper teen driver insurance?
  • Does my personal policy cover me when driving out-of-state?
  • When should I drop full coverage on my 2004 Chevy Blazer?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What if I owe more than I can insure my car for?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Parts of your insurance policy

Having a good grasp of your insurance policy aids in choosing the best coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Collision insurance

This coverage will pay to fix damage to your Blazer caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like backing into a parked car, colliding with a tree and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive protection

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like theft, hitting a deer, vandalism, hitting a bird and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Blazer.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages are identical to your policy’s liability coverage.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as EMT expenses, rehabilitation expenses and surgery. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

This provides protection from damage that occurs to people or other property by causing an accident. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as attorney fees, emergency aid, loss of income and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.