View 2002 Chevrolet Blazer Insurance Quotes

Want better insurance coverage rates for your Chevrolet Blazer? Locating cheap insurance coverage over the internet can seem to be somewhat difficult for consumers who are beginners to quoting and price shopping on the web. When there are so many insurers available, how can consumers have a chance to compare the different rates to find the cheapest rates?

You should take the time to compare prices periodically due to the fact that insurance rates trend upward over time. Even if you got the lowest rate on Blazer insurance last year you will most likely find a better price today. Block out anything you think you know about insurance coverage because you’re about to learn the best way to find great coverage at a great price.

Low cost auto insurance prices

There are multiple methods to shop for auto insurance, and some are less labor-intensive and much quicker. You could waste a few hours talking to agents in your area, or you can utilize the web to quickly compare rates.

Many companies participate in a marketplace that allows shoppers to submit one quote, and each company can give them a price. This saves time by eliminating repetitive form submissions to each individual auto insurance company.

To enter your information into the quoting system, click to open in new window.

One minor caviat to getting quotes like this is buyers cannot specifically choose which insurance companies you want to price. If you wish to select specific insurance companies to compare rates, we have assembled a list of companies who write auto insurance in your area. Click here for list of insurance companies.

The approach you take is up to you, just make darn sure you compare equivalent coverages and limits for each price quote. If you enter different values for each quote it will be next to impossible to determine the lowest rate for your Chevy Blazer. Having just a slight variation in coverages can make a big difference in price. And when comparing auto insurance rates, know that comparing more company’s prices gives you a better chance of getting a better price.

Insurance quotes and discounts

Insuring your fleet can be pricey, but you can get discounts that could help you make your next renewal payment. Some discounts will apply when you purchase, but some discounts are required to be inquired about before being credited.

• More Vehicles More Savings – Insuring several vehicles with the same insurance company could earn a price break for each car.
• Onboard Data Collection – People who choose to allow companies to track driving patterns by using a telematic data system such as Progressive’s Snapshot could see a rate decrease if their driving habits are good.
• Accident-Free Discounts – Good drivers with no accidents pay less in comparison with drivers who are more careless.
• Include Life Insurance and Save – Larger insurance companies have lower premium rates if you buy some life insurance too.
• Anti-lock Brake Discount – Cars equipped with ABS or steering control are much safer to drive and therefore earn up to a 10% discount.
• Early Payment Discounts – If you can afford to pay the entire bill as opposed to paying monthly you could save up to 5%.
• Defensive Driving Course – Completing a defensive driving class is a good idea and can lower rates and easily pay for the cost of the class.
• Accident Forgiveness – Not necessarily a discount, but a handful of insurance companies allow you one accident without raising rates so long as you haven’t had any claims prior to the accident.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. The majority will only reduce specific coverage prices like comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, you’re out of luck.

A few popular companies and a partial list of their discounts include:

• 21st Century offers discounts for good student, defensive driver, early bird, homeowners, driver training, and automatic seat belts.
• State Farm may have discounts that include multiple autos, safe vehicle, good driver, Drive Safe & Save, and Steer Clear safe driver discount.
• AAA has savings for anti-theft, pay-in-full, good driver, education and occupation, multi-policy, and good student.
• Liberty Mutual offers discounts including new graduate, teen driver discount, hybrid vehicle, new vehicle discount, and exclusive group savings.
• Progressive includes discounts for continuous coverage, multi-policy, good student, online quote discount, online signing, homeowner, and multi-vehicle.

If you need affordable auto insurance quotes, ask all the companies which discounts you may be entitled to. Some of the earlier mentioned discounts may not be available in your state.

Situations that may require an agent’s advice

When it comes to buying coverage, there really is no single plan that fits everyone. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining if your situation would benefit from an agent’s advice.

• Who is covered when they drive my 2002 Chevy Blazer?
• Can I drive in Mexico and have coverage?
• How much can I save by bundling my policies?
• Is my custom paint covered by insurance?
• Why do I only qualify for high-risk insurance?
• Am I covered if I hit a deer?
• Should I have a commercial auto policy?
• Am I covered if hit by an uninsured driver?
• Am I covered when renting a car or should I buy coverage from the car rental agency?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance 101

Understanding the coverages of your car insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Collision – This coverage pays for damage to your Blazer from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a ditch, damaging your car on a curb, hitting a parking meter and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision) – This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, a tree branch falling on your vehicle and damage from getting keyed. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense insurance – Med pay and PIP coverage reimburse you for expenses for things like ambulance fees, EMT expenses and funeral costs. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your Chevy Blazer.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

Liability car insurance – This can cover damage or injury you incur to other’s property or people that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability insurance covers claims like court costs, structural damage and attorney fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.