2001 Chevrolet Blazer Insurance Rates – 8 Tips to Save

Nobody I know likes paying for car insurance, especially when their premiums are too high. Drivers have multiple insurance companies to pick from, and although it’s nice to be able to choose, lots of choices makes it harder to locate the cheapest rates.

Consumers should take time to do rate comparisons occasionally since insurance rates change quite often. Just because you had the lowest price for Blazer coverage last year the chances are good that you can find a lower rate today. So just block out anything you think you know about car insurance because you’re going to get a crash course in the fastest and easiest way to save money, get proper coverage and the best rates.

How to Lower Your Insurance Coverage Cost

All major insurance coverage companies quote pricing online. The process is pretty painless as you simply enter the coverages you want into a form. When the form is submitted, their rating system makes automated requests for your credit score and driving record and returns a price. Being able to quote online streamlines rate comparisons, but the process of having to visit multiple sites and complete many quote forms is not the best way to spend an afternoon. But it’s absolutely necessary to compare as many rates as possible if you are searching for the lowest insurance coverage rates.

Quote rates the easy way

The preferred way to lower your rates requires only one form to obtain quotes from several different companies. This type of form saves time, helps eliminate reptitive entry, and makes quoting online much simpler. Immediately after submitting the form, your coverage is rated with multiple companies and you can pick any or none of the resulting price quotes.

If you find a better price it’s easy to complete the application and purchase the new policy. The whole process only takes a few minutes and may save quite a bit of money.

If you want to find out how much you’re overpaying now, simply click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you complete the form with the coverages as shown on your current policy. This ensures you are getting a rate comparison for exact coverage.

Insurance coverage ads bend the truth

Consumers constantly see and hear ads that promise big savings from companies such as Progressive, Geico, Allstate and State Farm. All the companies have a common claim that you can save if you change your policy.

But how can every company make the same claim?

All companies can use profiling for the right customer that is profitable for them. An example of a profitable customer might be profiled as between 25 and 40, has no driving citations, and drives less than 7,500 miles a year. A driver that hits that “sweet spot” will get very good rates and therefore will cut their rates substantially.

Potential insureds who don’t meet these standards will be charged higher rates and this can result in business not being written. The ads state “customers who switch” not “people who quote” save money. That’s why insurance companies can confidently claim big savings.

That is why you should quote coverage with many companies. It is impossible to predict which company will have the lowest Chevy Blazer insurance rates.

Save with discounts on 2001 Chevy Blazer insurance

Insuring your vehicles can cost a lot, but you may find discounts that you may not know about. Certain discounts will be applied at the time of purchase, but less common discounts must be specifically requested in order for you to get them. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Resident Student – Children who live away from home and do not have a car can receive lower rates.
  • Federal Government Employee – Employees or retirees of the government could cut as much as 10% off for Blazer coverage depending on your company.
  • Good Student Discount – A discount for being a good student can save 20 to 25%. The discount lasts up until you turn 25.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for Blazer coverage than their less cautious counterparts.
  • Defensive Driving Course – Successfully completing a defensive driving course can save you 5% or more if you qualify.
  • Passive Restraints – Factory air bags or automatic seat belts can qualify for discounts of 20% or more.
  • 55 and Retired – Mature drivers can possibly qualify for better insurance rates for Blazer coverage.
  • Drive Less and Save – Keeping the miles down on your Chevy could be rewarded with discounted rates on garaged vehicles.

It’s important to note that most discounts do not apply the the whole policy. The majority will only reduce individual premiums such as comprehensive or collision. So even though it sounds like you can get free auto insurance, it doesn’t quite work that way. Any qualifying discounts will help reduce the amount you have to pay.

Car insurance companies that possibly offer these benefits include:

It’s a good idea to ask all companies you are considering what discounts are available to you. All car insurance discounts might not apply in your state.

Tailor your coverage to you

When buying the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions could help you determine if your insurance needs may require specific advice.

  • Should I carry comprehensive and collision coverage?
  • Is there coverage for injuries to my pets?
  • Will I lose any money if I cancel my policy before it expires?
  • When should I remove comp and collision on my 2001 Chevy Blazer?
  • Does insurance cover tools stolen from my truck?
  • How can I get high-risk coverage after a DUI?
  • Which companies will insure high-risk drivers?
  • What is UM/UIM insurance?
  • Am I covered when pulling a rental trailer?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Insurance coverages and their meanings

Understanding the coverages of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. These are the normal coverages available from insurance companies.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Chevy Blazer.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Auto liability insurance

Liability insurance protects you from injuries or damage you cause to people or other property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as loss of income, attorney fees, medical expenses and court costs. How much coverage you buy is your choice, but consider buying as much as you can afford.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for expenses such as EMT expenses, doctor visits and X-ray expenses. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive coverage

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as fire damage, damage from flooding, damage from a tornado or hurricane and falling objects. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for collisions

This coverage covers damage to your Blazer caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like sideswiping another vehicle, crashing into a building, scraping a guard rail, driving through your garage door and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Quote often and quote early

As you go through the steps to switch your coverage, you should never reduce coverage to reduce premium. There are a lot of situations where an insured cut collision coverage only to regret at claim time that the small savings ended up costing them much more. Your goal should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Cheaper 2001 Chevy Blazer insurance can be purchased online as well as from independent agents, so you should compare both so you have a total pricing picture. Some companies don’t offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

You just learned many tips how you can get a better price on insurance. The key concept to understand is the more you quote, the better likelihood of reducing your rate. You may even find the biggest savings come from a lesser-known regional company. Smaller companies can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.

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