View 2000 Chevrolet Blazer Insurance Quotes

Sick and tired of paying out the nose to pay car insurance each month? You are no different than most other people.

People have multiple car insurance companies to choose from, and even though it’s nice to have multiple companies, lots of choices makes it harder to find the best rates.

You should make it a habit to quote other rates every six months because prices fluctuate regularly. Despite the fact that you may have had the lowest price on Blazer coverage a couple years back you will most likely find a better rate today. Forget all the misinformation about car insurance because I’m going to teach you the things you must know in order to find lower rates on car insurance.

Choosing the best insurance company for you is easy if you know what you’re doing. Essentially every vehicle owner who shops for insurance coverage stands a good chance to be able to save money. But car owners must know how insurance companies market on the web and use this information to your advantage.

More affordable rates with these discounts

Car insurance companies don’t always list the entire discount list very clearly, so the list below gives a summary of some of the best known in addition to some of the lesser obvious credits that may apply to you.

  • Low Mileage Discounts – Low annual miles could qualify for cheaper auto insurancerates.
  • E-sign Discounts – A few insurance companies will provide an incentive shop insurance on the internet.
  • Homeowners Pay Less – Just being a homeowner may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
  • No Accidents – Insureds with no claims or accidents have much lower rates in comparison with drivers who are more careless.
  • Multiple Vehicles – Insuring primary and secondary vehicles on one policy qualifies for this discount.
  • Full Payment Discount – By paying your entire bill at once instead of monthly or quarterly installments you could save up to 5%.
  • Seat Belt Usage – Drivers who require all occupants to buckle up before driving could cut 10% or more on medical payment and PIP coverage.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance.

As a sidenote, most credits do not apply to the overall cost of the policy. Most only cut individual premiums such as liability and collision coverage. So even though you would think adding up those discounts means a free policy, nobody gets a free ride. Any amount of discount will help lower the premium cost.

A partial list of companies that may offer these money-saving discounts include:

Before purchasing a policy, check with every prospective company to apply every possible discount. Some discounts might not be available to policyholders in your area. If you would like to view providers who offer auto insurance discounts, click this link.

The most recommended method to compare car insurance company rates is to take advantage of the fact auto insurance companies allow for online access to give rate comparisons. To begin a comparison, all you need to do is provide the companies a bit of rating information including if you are currently licensed, how much you drive, if you went to college, and the year, make and model of vehicles. That information is then sent to many different companies and they return rate quotes quickly.

To check Chevy Blazer insurance prices now, click here and complete the form.

Seven factors that influence insurance prices

Consumers need to have an understanding of the rating factors that play a part in calculating your insurance rates. When consumers understand what determines base rates, this enables informed choices that can earn you lower premium levels.

Listed below are some of the most common factors used by insurance companies to determine your premiums.

  • Older drivers pay less – Older, more experienced drivers are proven to be safer behind the wheel, tend to file fewer claims and get fewer tickets.Young drivers are statistically proven to be inattentive with other occupants in the car therefore insurance rates are much higher.
  • Good drivers pay better premiums – Your driving record influences premium rates substantially. Just one ticket may cause rates to rise substantially. Good drivers get better rates as compared to those with violations. Drivers unfortunate enough to have careless tickets like DUI, reckless driving or excessive speeding may face state-mandated requirements to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
  • A linsurance lapse is a bad thing – Driving without insurance is illegal and you may have a hard time finding new coverage because you let your insurance coverage expire. Not only will you pay more, not being able to provide proof of insurance could earn you a revoked license or a big fine. You may then be required to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Your career may increase rates – Occupational choices like lawyersairline pilots and emergency personnel tend to have higher average rates due to high stress and long work days. Other jobs such as actors, students and the unemployed receive lower rates on Blazer coverage.
  • High deductibles save money – Your deductibles state the amount of money the insured will be required to pay before a claim is paid by your company. Physical damage coverage, aka comp and collision, protects your car from damage. Examples of some claims that would be covered would be collision with another vehicle, hail damage, and damage caused by road hazards. The more damage repair cost the insured has to pay upfront, the less money you will pay for insurance on Blazer coverage.
  • File a claims and pay more – Companies award discounts to people who do not file claims often. If you tend to file frequent claims, you can look forward to higher rates. Your car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Your gender affects premiums – The statistics show that women are safer drivers than men. However, don’t assume that males are worse at driving than females. Females and males get in at-fault accidents in similar percentages, but males cause more damage. Men also get higher numbers of serious violations like DWI (DUI) or reckless driving. Males from age 16 to 21 generally have the highest accident percentage and therefore are the most expensive to insure.

Insurance coverage can be complex

When choosing coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out if your insurance needs might need an agent’s assistance.

  • Does insurance cover tools stolen from my truck?
  • I don’t drive much so do I pay less?
  • Is my teen driver covered when they drive my company car?
  • Am I covered if I hit a deer?
  • Do I benefit by insuring my home with the same company?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does car insurance cover theft of personal property?
  • Should I drop comprehensive coverage on older vehicles?
  • Does having multiple vehicles earn me a discount?
  • Will I be non-renewed for getting a DUI or other conviction?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance ads are enticing

Auto insurance companies such as State Farm and Allstate regularly use television, radio, and online ads. They all seem to have a common claim about how much you will save if you just switch to their company. That’s great but how can every company lower your rates? This is how they do it.

Insurance companies quote their best rates for the type of driver that will not have excessive claims. An example of a desirable risk might be between the ages of 40 and 55, owns a home, and has a high credit rating. A customer that matches those criteria will get a cheap rate quote and is almost guaranteed to save when switching.

Consumers who fall outside those standards may be required to pay higher premiums with the end result being the customer buying from someone else. The ads state “drivers who switch” not “all people who quote” save the amount stated. That’s why companies can make those statements. Each company has different criteria, so it is so important to compare price quotes frequently. Because without a comparison, you cannot know which auto insurance company will provide you with the cheapest prices.

Insurance coverage options for a Chevy Blazer

Learning about specific coverages of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverage types found on the average insurance policy.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for prosthetic devices, pain medications, dental work and surgery. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, damage from flooding, damage from getting keyed and falling objects. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your Chevy Blazer.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto collision coverage

Collision insurance covers damage to your Blazer from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as backing into a parked car, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Liability car insurance

This coverage protects you from damages or injuries you inflict on other people or property. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as legal defense fees, medical expenses, court costs, loss of income and funeral expenses. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Be a smart shopper

We just covered quite a bit of information on how to reduce 2000 Chevy Blazer insurance car insurance rates online. The key concept to understand is the more providers you compare, the higher the chance of saving money. Drivers may discover the best car insurance rates are with a company that doesn’t do a lot of advertising. These smaller insurers often have lower premium rates on specific markets than the large multi-state companies such as Allstate and Progressive.

Discount 2000 Chevy Blazer insurance is definitely available on the web and from local agencies, and you should compare rates from both to have the best selection. There are still a few companies who may not have the ability to get quotes online and these small insurance companies sell through local independent agencies.

More tips and info about auto insurance is available by following these links: