Lower Your 2004 Chevrolet Blazer Insurance Rates

Searching for affordable insurance coverage on the web can be somewhat intimidating for people that are relatively new to online price comparisons. With so many options of companies, how are people expected to have the ability to compare all the different companies and get lower insurance coverage premiums?

How to buy auto insurance

The are a couple different ways to compare rate quotes from local auto insurance companies. The easiest way to find the lowest Chevy Blazer rates involves getting comparison quotes online. This can be accomplished in a couple minutes as outlined below.

  1. If you are pressed for time, the simplest way consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This form eliminates the need for separate quotation requests for each company you want a rate for. One simple form gets you price quotes from multiple low-cost companies. This is perfect if you don’t have a lot of time.
  2. A harder way to shop for auto insurance online is going to the website for each individual company and repeat the quote process. For instance, we’ll assume you want comparison quotes from USAA, 21st Century and GEICO. To find out each rate you need to go to every website and type in your information over and over, and that’s why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  3. The old school method to price shop rates is physically going to local insurance agencies. Comparing rate quotes online has reduced the need for local agents unless you have a need for the professional assistance that you can only get from talking to an agent. Drivers can find lower rates online and still use a local agent.

However you get your quotes, try to use the same coverage data on every price quote you get. If you have different values for each quote you will not be able to truly determine the lowest rate. Quoting even small variations in coverage limits could mean much higher rates. And when quoting auto insurance, remember that comparing more company’s prices increases the change that you will find a better price.

Do you qualify for discounts?

Insuring your vehicles can cost a lot, but you may be missing some discounts that can dramatically reduce your bill. Many discounts should be triggered at the time of quoting, but some need to be manually applied before you get the savings.

  • Membership in Organizations – Being in a qualifying organization is a good way to get lower rates on your next renewal.
  • Distant Student Discount – Youth drivers who live away from home at college and do not take a car to college may qualify for this discount.
  • Waiver for an Accident – Not necessarily a discount, but companies like State Farm and Allstate will let one accident slide before hitting you with a surcharge if you are claim-free for a set time period.
  • Good Student – Maintaining excellent grades can save 20 to 25%. You can use this discount normally up to age 25.
  • Drive Less and Save – Low annual miles may allow you to get lower premium rates on the low mileage vehicles.
  • Use Seat Belts – Drivers who require all occupants to buckle up before driving could cut 10% or more on the premium charged for medical payments and/or PIP.
  • No Claim Discounts – Drivers who stay claim-free can earn big discounts as compared to drivers who are more careless.

We need to note that many deductions do not apply to your bottom line cost. Most only cut individual premiums such as liability, collision or medical payments. So even though it sounds like it’s possible to get free car insurance, that’s just not realistic. Any qualifying discounts will positively reduce your policy premium.

Auto insurance companies that may include these benefits may include but are not limited to:

If you need lower rates, check with every prospective company how many discounts you can get. Some discounts listed above might not be offered on policies in your area. For a list of insurance companies who offer online car insurance quotes, click this link.

Don’t assume everyone needs the same insurance coverage coverage

When it comes to buying proper insurance coverage for your personal vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions can aid in determining whether your personal situation might need an agent’s assistance.

  • Are split liability limits better than a combined single limit?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my babysitter covered when using my vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • When does my teenage driver need to be added to my policy?
  • How can I get my company to pay me more for my totalled car?

If you can’t answer these questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Specific coverage details

Understanding the coverages of a insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Liability insurance – This provides protection from injuries or damage you cause to people or other property in an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims like repair bills for other people’s vehicles, loss of income and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2004 Chevy Blazer.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverage – This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as theft, damage from getting keyed, hitting a bird, a broken windshield and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverages – Collision insurance pays for damage to your Blazer from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as hitting a mailbox, colliding with a tree and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like dental work, prosthetic devices, EMT expenses, surgery and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay