Cheaper 2005 Chevrolet Blazer Insurance Quotes

Trying to find better insurance rates for your Chevrolet Blazer? Pricey insurance can dry up your budget and force you to make tough financial choices. Comparing rates annually is free and is an excellent way to cut your insurance bill.

People have multiple insurers to pick from, and although it’s a good thing to have a choice, it makes it harder to compare rates and find the lowest cost insurance.

It’s a good idea to do price comparisons yearly since insurance prices are rarely the same from one policy term to another. Even if you got the best quotes on Blazer coverage last year the chances are good that you can find a lower rate today. Ignore everything you know about insurance because we’re going to demonstrate the best way to eliminate unnecessary coverages and save money.

The purpose of this article is to tell you the most effective way to quote insurance. If you currently have car insurance, you will be able to cut costs considerably using this information. Although car owners benefit from understanding the way companies sell insurance online and use this information to your advantage.

Five tips to get cheaper insurance premiums

Smart consumers have a good feel for some of the elements that come into play when calculating the level of your policy premiums. When you understand what controls the rates you pay, this helps enable you to make changes that can earn you lower premium levels. Lots of things are part of the equation when quoting car insurance. Some are obvious such as your driving record, although others are more obscure like your continuous coverage or your commute time.

Shown below are a partial list of the pieces companies use to determine premiums.

  • If you don’t need it don’t buy it – Insurance companies have many add-on coverages that sound like a good idea at the time but may not be useful. Insurance for personal injury protection, better glass coverage, and membership fees are probably not needed. These may sound like a good investment at first, but now you might not need them so remove them from your policy.
  • High policy claims frequency drives up prices – Car insurance companies give the lowest premiums to insureds who are claim-free. If you file claims often, you can look forward to increased rates or even have your policy non-renewed. Your insurance policy is intended to be relied upon for claims that you cannot pay yourself.
  • Comp and collision deductibles are a factor – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your Chevy. A few examples of covered claims are colliding with a building, collision with an animal, or theft. The deductibles you choose represent how much money you are willing to pay before your insurance pays a claim. The more you’re willing to pay, the bigger discount you will receive on Blazer coverage.
  • Where you call home can modify prices – Choosing to live in small towns and rural areas can be a good thing when it comes to insurance. Lower population translates into fewer accident claims as well as less vandalism and auto theft. Drivers who live in large cities tend to have more auto accidents and more time behind the wheel. Longer commute distances statistically corresponds to a higher accident and claim rate.
  • Alarms and GPS tracking lowers rates – Buying a car with advanced anti-theft systems can save you a little every year. Anti-theft features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart auto theft.

Auto insurance quotes and discounts

The price of auto insurance can be rather high, but you can get discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically when you complete an application, but less common discounts must be specially asked for in order for you to get them.

  • No Claims – Drivers who don’t have accidents can save substantially as opposed to bad drivers.
  • Student in College – Youth drivers who are enrolled in higher education away from home and do not have access to a covered vehicle can receive lower rates.
  • Drive Less and Save – Maintaining low annual mileage can earn cheaper premium rates.
  • E-sign – Many larger companies will discount your bill up to fifty bucks for buying your policy digitally online.
  • Bundle and Save – When you combine your home and auto insurance with one insurance company you may earn over 10 percent off each policy depending on the company.
  • Membership in Organizations – Having an affiliation with qualifying clubs or civic groups could earn you a nice discount on auto insurance.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less because newer vehicles are generally safer.

As a footnote on discounts, most discounts do not apply to the entire cost. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like having all the discounts means you get insurance for free, it just doesn’t work that way.

A list of auto insurance companies and their offered discounts can be found below.

  • American Family has discounts for TimeAway discount, air bags, multi-vehicle, Steer into Savings, good student, and bundled insurance.
  • Nationwide includes discounts for defensive driving, anti-theft, business or organization, good student, and accident-free.
  • MetLife may offer discounts for claim-free, good student, good driver, accident-free, and multi-policy.
  • 21st Century offers discounts including early bird, automatic seat belts, driver training, good student, air bags, and 55 and older.
  • Farmers Insurance may include discounts for pay in full, alternative fuel, switch companies, multi-car, and early shopping.
  • Allstate discounts include good payer, farm vehicle, economy car, safe driver, defensive driver, and early signing.

If you want cheap auto insurance quotes, ask all companies you are considering which discounts you may be entitled to. Some of the earlier mentioned discounts may not be offered everywhere. For a list of providers with significant discounts, follow this link.

Situations that may require an agent’s advice

When choosing coverage for your personal vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions can help discover whether you could use an agent’s help.

  • Is a new car covered when I drive it off the dealer lot?
  • Which is better, split liability limits or combined limits?
  • What is the ISO rating for a 2005 Chevy Blazer?
  • Is my 2005 Chevy Blazer covered for smoke damage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • How do I file an SR-22 for a DUI in my state?
  • When should I not file a claim?
  • Is my ex-spouse still covered by my policy?

If you’re not sure about those questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Car insurance coverages for a Chevy Blazer

Knowing the specifics of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types found on most insurance policies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like theft, rock chips in glass, hail damage and damage from flooding. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like nursing services, prosthetic devices, dental work and ambulance fees. They are used to fill the gap from your health insurance program or if you do not have health coverage. They cover you and your occupants as well as getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Collision coverage protection

This will pay to fix damage to your Blazer from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a building, colliding with a tree, driving through your garage door, hitting a parking meter and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2005 Chevy Blazer.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Auto liability insurance

This protects you from damage that occurs to other people or property by causing an accident. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims such as repair bills for other people’s vehicles, court costs, attorney fees and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

What is YOUR best insurance company?

We covered many tips how you can shop for 2005 Chevy Blazer insurance online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even find the best auto insurance rates are with a small local company. These companies can often provide lower premium rates in certain areas compared to the large companies like Progressive and Geico.

Some insurance companies don’t offer rates over the internet and usually these small, regional companies provide coverage only through independent insurance agents. More affordable car insurance can be bought online and from local insurance agents, and you should be comparing both to get a complete price analysis.

Additional car insurance information can be found at the links below