Cheap 2000 Chevrolet Blazer Insurance Rates

Paying for high-priced Chevrolet Blazer insurance can dwindle your bank account and put a big crunch on your finances. Comparing price quotes is free, only takes a few minutes, and is a good way to help make ends meet. Because you have many insurance providers from which to choose, it can be hard to find the cheapest company.

This information will teach you how car insurance quotes work and some money-saving tips. If you are paying for car insurance now, you will most likely be able to cut costs considerably using this information. Drivers just need to learn the tricks to find the lowest price online.

Compare the Market for Auto Insurance

There are several ways to compare Chevy Blazer auto insurance prices but some are easier and takes less work. You could waste a few hours talking about coverages with local insurance agents in your area, or you could use the internet to maximize your effort.

Many of the larger companies belong to an insurance system where prospective buyers enter their coverage request one time, and each participating company returns a competitive quote for coverage. This eliminates the need for quote forms for each company you want a rate for.

To submit your quote information now, click here (opens in new window).

The only downside to using this type of form is you don’t know exactly which providers you want pricing from. So if you prefer to pick individual companies to request quotes from, we put together a list of the cheapest auto insurance companies in your area. Click here to view list.

It’s up to you which method you use, but be sure to compare identical coverage limits with each company. If you enter unequal deductibles or liability limits then you won’t be able to make a fair comparison for your Chevy Blazer.

Do you qualify for a discount?

Insuring your vehicles can cost a lot, buy you may qualify for discounts to reduce the price significantly. Larger premium reductions will be automatically applied at quote time, but some may not be applied and must be asked about in order for you to get them. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Life Insurance Discount – Companies who offer life insurance give lower rates if you buy life insurance.
  • Multiple Vehicles – Having multiple vehicles on one policy may reduce the rate for each vehicle.
  • Early Signing – Some companies give discounts for switching to them before your current policy expires. This can save 10% or more.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.

It’s important to note that most discount credits are not given to the entire cost. Most only cut individual premiums such as liability, collision or medical payments. Just because you may think it’s possible to get free car insurance, it doesn’t quite work that way. Any qualifying discounts will help reduce your premiums.

To see a list of insurance companies offering insurance discounts, click this link.

What coverages do I need?

When it comes to buying coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions could help you determine if your situation would benefit from professional advice.

  • Is my teen driver covered when they drive my company car?
  • Am I covered when driving someone else’s vehicle?
  • Am I better off with higher deductibles on my 2000 Chevy Blazer?
  • When should I not file a claim?
  • If my 2000 Chevy Blazer is totaled, can I afford another vehicle?
  • Do I benefit by insuring my home with the same company?
  • Are my friends covered when driving my car?
  • What is an SR-22 filing?
  • What should my uninsured motorist coverage limits be in my state?
  • Does insurance cover damages from a DUI accident?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Why you might be paying too much to insure your Chevy Blazer

Smart consumers have a good feel for the different types of things that come into play when calculating your insurance rates. Knowing what determines base rates empowers consumers to make smart changes that can help you get better insurance rates.

The list below includes a few of the “ingredients” used by your company to calculate your rates.

  • Theft deterrents lower rates – Driving a car with anti-theft technology or alarm system can help lower your rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your vehicle from being stolen.
  • Keep rates low by being claim-free – Companies generally give better rates to insureds who file claims infrequently. If you frequently file small claims, you can pretty much guarantee higher rates. Car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • High credit ratings translate to low rates – A driver’s credit history is a big factor in determining what you pay for insurance. If your credit history is not that good, you could be paying less to insure your 2000 Chevrolet Blazer by spending a little time repairing your credit. Consumers who have good credit tend to be less risk to insure than those with lower credit scores.
  • Bundling policies can get discounts – The majority of insurance companies give discounts to customers who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, it’s still a good idea to comparison shop to ensure the best deal. Consumers may find better rates by splitting coverages up.
  • Better crash test results mean better rates – Vehicles with good safety scores are cheaper to insure. Safer cars have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Chevy Blazer earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Rates may be higher depending on your occupation – Jobs such as judges, business owners and dentists have the highest average rates because of stressful work requirements and lengthy work days. Other occupations like scientists, historians and the unemployed get better rates for Blazer insurance.

What insurance coverages do you need?

Understanding the coverages of a insurance policy can help you determine the best coverages for your vehicles. Insurance terms can be confusing and coverage can change by endorsement. Listed below are the normal coverages available from insurance companies.

Collision coverages – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sideswiping another vehicle, backing into a parked car and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Liability car insurance – This coverage will cover damage that occurs to other’s property or people. This coverage protects you against claims from other people. Liability doesn’t 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. As an example, you may have values of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like structural damage, pain and suffering, court costs, emergency aid and funeral expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as ambulance fees, pain medications, hospital visits and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like falling objects, hail damage and theft. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

UM/UIM Coverage – This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Chevy Blazer.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Normally these limits are similar to your liability insurance amounts.

Get your money’s worth

Budget-conscious 2000 Chevy Blazer insurance is attainable from both online companies in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance providers do not provide online quoting and most of the time these small insurance companies sell through independent agents.

Throughout this article, we presented some good ideas how you can lower your insurance rates. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the lowest premiums are with a small local company. Regional companies may cover specific market segments cheaper compared to the large companies like State Farm and Allstate.

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