2001 Chevrolet Blazer Insurance Quotes

Overpriced Chevrolet Blazer insurance can take a big chunk out of your bank account and force you to make sacrifices. Comparison shopping is free, only takes a few minutes, and is a good way to lower your monthly bill. Because there are so many companies to choose from, it’s nearly impossible to choose the lowest cost car insurance company.

It is always a good idea to get comparison quotes occasionally since insurance rates are variable and change quite frequently. Even if you think you had the best rates on Blazer coverage last year the chances are good that you can find a lower rate today. Starting now, block out anything you think you know about insurance coverage because you’re going to get a crash course in the fastest way to remove unneeded coverages and save money.

Impacting insurance rates for a Chevy Blazer

An important part of buying insurance is that you know the different types of things that go into determining insurance coverage rates. Knowing what influences your rates enables informed choices that could result in big savings.

  • Do you need the policy add-ons? – There are a lot of extra coverages that you can get tricked into buying on your insurance coverage policy. Coverages for personal injury protection, accidental death and membership fees may be costing you every month. They may seem like a good idea initially, but your needs may have changed so eliminate them to save money.
  • Your occupation can affect rates – Occupations like real estate brokers, architects and accountants have higher rates than average attributed to job stress and long work days. On the flip side, occupations like actors, athletes and retirees get better rates on Blazer coverage.
  • Higher deductibles cost less – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Chevy from damage. A few examples of covered claims would be colliding with a building, damage caused by hail, and rolling your vehicle. Deductibles for physical damage are the amount of money you are required to spend out-of-pocket in the event of a claim. The more expense you have to pay, the bigger discount you will receive on Blazer coverage.
  • Save money with special equipment – Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your insurance coverage. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.

Automobile Insurance Quotes

Effectively comparing car insurance prices can take hours if you don’t utilize the most efficient way to do it. You can waste hours driving to insurance agencies in your area, or you could use online quoting to quickly compare rates.

Many insurance companies take part in a program where insurance shoppers only type in their quote data once, and each company can give them a price based on the submitted data. This eliminates the need for quotation requests to each company.

To access this free quoting program, click here to start a free quote.

One minor caviat to pricing coverage this way is buyers cannot specifically choose which carriers you want pricing from. If you would rather choose specific insurance companies to compare prices, we have a listing of companies who write car insurance in your area. Click here for list of insurance companies.

Which method you use is up to you, but make absolute certain that you use identical information for every company. If you are comparing unequal deductibles or liability limits it’s not possible to make a fair comparison for your Chevy Blazer.

Policy discounts you shouldn’t miss

Companies that sell car insurance don’t always advertise every discount very well, so we took the time to find both well-publicized and the harder-to-find ways to save on auto insurance. If you don’t get every credit possible, you are paying more than you should be.

  • Safe Drivers – Safe drivers can pay as much as 50% less on Blazer coverage than less cautious drivers.
  • New Car Discount – Insuring a new car can be considerably cheaper since new cars are generally safer.
  • Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you will save up to 20% off your total premium.
  • Homeowners Discount – Owning a home may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.

As a disclaimer on discounts, most credits do not apply to the entire cost. Most only reduce individual premiums such as comp or med pay. Even though it may seem like you can get free auto insurance, you’re out of luck.

To see a list of providers with the best auto insurance discounts, click here.

Insurance agents can help

When it comes to choosing adequate coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different so this has to be addressed. These are some specific questions can aid in determining whether or not you could use an agent’s help.

  • Is upholstery damage covered by car insurance?
  • What is the minimum liability in my state?
  • Do I need more liability coverage?
  • Can my babysitter drive my car?
  • Do I need roadside assistance coverage?
  • Do I have coverage when using my vehicle for my home business?
  • Am I missing any policy discounts?
  • Is my teen driver covered when they drive my company car?
  • Does insurance cover damages from a DUI accident?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Coverages available on your car insurance policy

Knowing the specifics of a car insurance policy can be of help when determining which coverages you need for your vehicles. Car insurance terms can be confusing and reading a policy is terribly boring. Shown next are typical coverages available from car insurance companies.

Comprehensive (Other than Collision) – This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from getting keyed, theft, falling objects, hitting a bird and a broken windshield. The most 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 removing comprehensive coverage.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Chevy Blazer.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Auto liability insurance – Liability coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things such as legal defense fees, attorney fees, medical services and court costs. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage – This coverage pays for damage to your Blazer caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like backing into a parked car, sideswiping another vehicle, colliding with a tree and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for expenses like ambulance fees, rehabilitation expenses and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Cheaper insurance is a realistic goal

We just showed you some good ideas how to shop for 2001 Chevy Blazer insurance online. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may even discover the best prices are with some of the smallest insurance companies. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.

Low-cost insurance is definitely available from both online companies and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. There are still a few companies who do not offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

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