View 2001 Chevrolet Blazer Insurance Rates

Searching for lower auto insurance rates for your Chevrolet Blazer? Did a good deal turn into an overpriced auto insurance policy? It’s a common feeling and many drivers have buyer’s remorse. Multiple insurers compete for your insurance dollar, so it can be very hard to choose a insurer and uncover the absolute lowest price

These discounts can cut car insurance rates

Car insurance is not cheap, but you may be missing some discounts that can dramatically reduce your bill. Certain credits will be shown at the time of purchase, but once in a while a discount must be specially asked for prior to getting the savings.

  • Accident Waiver – Not necessarily a discount, but companies like Allstate and GEICO will forgive one accident without getting socked with a rate hike so long as you are claim-free prior to the accident.
  • Sign Early and Save – A few companies allow discounts for buying a policy before your current expiration date. The savings is around 10%.
  • Theft Deterent Discount – Cars and trucks with anti-theft systems prevent vehicle theft and earn discounts up to 10% off your auto insurance quote.
  • Drivers Ed for Students – Have your child successfully complete driver’s ed class in school or through a local driver safety program.
  • Discounts for Multiple Vehicles – Insuring all your vehicles on one policy could earn a price break for each car.
  • Senior Citizen Discount – Drivers over the age of 55 could receive a discount up to 10% for Blazer insurance.
  • College Student – College-age children who are enrolled in higher education away from home and don’t have a car may be insured at a cheaper rate.
  • Responsible Drivers – Safe drivers may save up to 50% more for Blazer insurance than drivers with accident claims.
  • Home Ownership Discount – Just owning your own home may trigger a policy discount on car insurance since owning and maintaining a home shows financial diligence.

Discounts save money, but please remember that many deductions do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears it’s possible to get free car insurance, you won’t be that lucky.

If you would like to choose from a list of insurers who offer online car insurance quotes, follow this link.

Quote car insurance online

Reducing your 2001 Chevy Blazer insurance rates doesn’t have to be difficult. You just have to invest a few minutes to get quotes provided by online insurance companies. This can be done in several different ways.

  1. Without a doubt, the easiest way to get quotes would be an industry-wide quote request form (click to open form in new window). This method prevents you from having to do multiple quote forms for each price estimate. Taking the time to complete one form gets coverage cost estimates from multiple low-cost companies.
  2. A different way to find lower rates requires visiting the website for every company you want to comare and complete a new quote form. For instance, we’ll assume you want to see prices from Farmers, GEICO and Progressive. To get rate quotes you would need to spend time on each company’s site and punch in your information repeatedly, which is why the first method is more popular. To view a list of companies in your area, click here.

The approach you take is up to you, just be certain you are entering the exact same deductibles and coverage limits on every quote you get. If you are comparing different values for each quote you will not be able to make an equal comparison.

When do I need an agent’s advice?

When it comes to buying adequate coverage, there is no single plan that fits everyone. Everyone’s situation is unique and your policy should reflect that. For instance, these questions might help in determining if you will benefit from professional help.

  • What is PIP insurance?
  • Am I getting all the discounts available?
  • What exactly is covered by my policy?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered if I crash into my own garage door?
  • Do I need added coverage for expensive stereo equipment?
  • If my pet gets injured in an accident are they covered?
  • Am I covered when driving a rental car?
  • Is my Chevy Blazer covered if I use it for business?
  • Is my ex-spouse still covered by my policy?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of car insurance companies in your area. It is quick, free and can help protect your family.

Insurance specifics

Knowing the specifics of insurance aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages offered by insurance companies.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for EMT expenses, rehabilitation expenses, chiropractic care and funeral costs. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants in addition to getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, falling objects and hail damage. The maximum payout your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your Chevy Blazer.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Liability auto insurance

Liability insurance provides protection from damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as legal defense fees, court costs, medical expenses, funeral expenses and structural damage. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Collision insurance

Collision coverage pays for damage to your Blazer caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for things like driving through your garage door, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

A penny earned…

Cheaper insurance coverage is definitely available both online and from local agencies, so you should be comparing quotes from both to get a complete price analysis. A few companies do not provide online quoting and usually these smaller providers sell through independent agencies.

In this article, we covered a lot of techniques to shop for 2001 Chevy Blazer insurance online. It’s most important to understand that the more times you quote, the better chance you’ll have of finding low cost auto insurance. You may even find the most savings is with the smaller companies. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm and Allstate.

For more information, feel free to browse the resources below: