2003 Chevrolet Blazer Car Insurance Rates – 8 Tips to Save

Having to pay for overpriced Chevrolet Blazer insurance can overdraw your bank account and make it hard to pay other bills. Comparing price quotes is a smart way to tighten up your finances. Since consumers have many companies and agents to choose from, it can be challenging to locate the lowest cost insurance company.

Locating more affordable auto insurance is not that difficult. If you have insurance now or need new coverage, you can follow these tips to find better prices and still get good coverage. Drivers only need an understanding of how to get comparison quotes online.

How much can you save with these eight discounts?

The price of auto insurance can be rather high, but companies offer discounts that you may not know about. Larger premium reductions will be automatically applied at the time of purchase, but less common discounts must be asked about in order for you to get them. If you aren’t receiving every discount possible, you are paying more than you should be.

  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on the same auto insurance policy could earn a price break for each car.
  • Safety Course Discount – Taking part in a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
  • One Accident Forgiven – Some insurance companies allow you one accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
  • Bundle and Save – When you have multiple policies with the same insurance company you may earn up to 20% off your total premium.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Most cut the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you could get a free auto insurance policy, companies don’t profit that way. But all discounts will reduce your overall premium however.

Car insurance companies that may have these benefits include:

It’s a good idea to ask each company how you can save money. Discounts may not apply in every state.

How much car insurance do I need?

When buying coverage, there is no single plan that fits everyone. Each situation is unique so this has to be addressed. Here are some questions about coverages that can help discover whether or not you will benefit from professional help.

  • How many claims can I have before being cancelled?
  • If I drive on a suspended license am I covered?
  • Are my friends covered when driving my 2003 Chevy Blazer?
  • I don’t drive much so do I pay less?
  • Am I covered by my spouse’s policy after a separation?
  • Do I need higher collision deductibles?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Should I buy additional glass protection?
  • Am I covered when delivering products for my home-based business?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Do drivers who switch really save $485 a year?

Consumers can’t ignore all the ads that promise big savings from the likes of Progressive, Allstate and Geico. All the companies make an identical promise of big savings if you change your coverage to them.

How can each company make the same claim? It’s all in the numbers.

All the different companies are able to cherry pick for the driver that makes them money. A good example of a driver they prefer could be between 25 and 40, has no tickets, and has excellent credit. A driver who meets those qualifications will qualify for the lowest rates and as a result will probably save when switching.

Potential insureds who don’t measure up to these standards will have to pay higher prices which usually ends up with the customer not buying. Company advertisements say “customers who switch” not “everybody who quotes” save money. That’s why insurance companies can advertise the savings.

Because of the profiling, drivers should quote coverage with many companies. It is impossible to predict which company will have the lowest Chevy Blazer insurance rates.

Insurance coverage options for a 2003 Chevy Blazer

Knowing the specifics of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages found on most insurance policies.

Liability coverages

Liability insurance provides protection from injuries or damage you cause to other’s property or people in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as medical expenses, medical services, funeral expenses, legal defense fees and bail bonds. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like damage from a tornado or hurricane, falling objects, hail damage, fire damage and vandalism. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as damaging your car on a curb, hitting a mailbox, crashing into a building, backing into a parked car and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Medical costs insurance

Med pay and PIP coverage provide coverage for expenses like ambulance fees, pain medications, X-ray expenses and surgery. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

UM/UIM Coverage

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Chevy Blazer.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Online plus local equals savings

As you shop your coverage around, don’t be tempted to buy poor coverage just to save money. Too many times, drivers have reduced liability coverage limits and discovered at claim time that the small savings ended up costing them much more. The aim is to purchase plenty of coverage for the lowest price.

Cheap 2003 Chevy Blazer insurance is attainable on the web in addition to many insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. A few companies do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

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