Cheaper 2000 Chevrolet Blazer Car Insurance Rates

Looking for the cheapest insurance coverage rates for your Chevrolet Blazer? Sick and tired of scraping nickels together to make your insurance coverage payment? You are no different than many other consumers. Companies like Allstate and Progressive promote their brand names with TV and radio ads and it is difficult to ignore the flying pigs and cute green geckos and find the best price available.

If you have insurance now or are looking for a new policy, you will benefit by learning to find the best rates while maintaining coverages. Finding affordable coverage is easy if you know what you’re doing. Drivers just need to know how to buy car insurance on the web.

Low cost insurance coverage prices

Reducing your 2000 Chevy Blazer insurance rates is not rocket science. All that’s required is to invest a little time comparing rates to find the company with cheaper car insurance quotes. Price comparisons can be done using one of these methods.

• Without a doubt, the easiest way consumers can analyze rates is a comparison rater form click to view form in new window. This type of form eliminates the need for multiple quote forms for every prospective company. Taking the time to complete one form will return price quotes from insurance coverage companies with the best prices.
• A harder way to find more affordable insurance requires you to visit the website for every company you want to comare and get a separate price quote. For instance, let’s assume you want to get rates from Nationwide, Progressive and Farmers. To get each rate you have to spend time going to each site individually and enter your information, which is why most consumers use the first method.

  For a list of companies in your area, click here.

Whichever way you use, make darn sure you compare identical deductibles and coverage limits with every price quote. If you have unequal deductibles or liability limits it’s impossible to determine which company has the best rates.

Cheap insurance rates with discounts

Auto insurance companies don’t always list all available discounts very clearly, so the list below contains some of the best known in addition to some of the lesser obvious discounts that may be available.

• Own a Home and Save – Simply owning a home can save a few bucks since owning and maintaining a home demonstrates responsibility.
• Savings for New Vehicles – Adding a new car to your policy can save you some money because new model year vehicles are generally safer.
• ABS Braking Discount – Cars and trucks with ABS and/or traction control prevent accidents and will save you 10% or more.
• No Claim Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on car insurance quote when compared with insureds who have frequent claims or accidents.
• Theft Deterent Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency and can earn a small discount on your policy.
• Early Switch Discount – A few larger companies offer discounts for buying a new policy before your current expiration date. You could save around 10% when you buy car insurance online.
• Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course in school or through a local driver safety program.
• Active Military Service – Being deployed in the military could be rewarded with lower rates.
• More Vehicles More Savings – Drivers who insure multiple cars on a single policy may reduce the rate for each vehicle.

Don’t be surprised that many deductions do not apply the the whole policy. Some only apply to the cost of specific coverages such as comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, you’re out of luck.

A few companies that possibly offer most of these discounts include:

• 21st Century
• State Farm
• AAA
• Liberty Mutual
• Progressive

It’s a good idea to ask each insurance company how many discounts you can get. Savings might not be offered in every state. To find companies with discount insurance rates, follow this link.

Get cheap insurance costs by understanding these factors

Lots of factors are used in the calculation when you quote your car insurance policy. Most are fairly basic like your driving record, but other criteria are more transparent such as whether you are married or your vehicle rating.It’s important that you understand some of the factors that play a part in calculating your policy premiums. If you have some idea of what impacts premium levels, this allows you to make educated decisions that may result in lower rates.

• Don’t cut corners with liability – Liability coverage will protect you in the event that a jury decides you are liable for an accident. It provides legal defense starting from day one. This coverage is very inexpensive compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
• Is your vehicle theft-ready? – Buying a car with a theft deterrent system can save you a little every year. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent auto theft and help lower rates.
• No claims equals cheap car insurance rates – If you tend to file frequent claims, don’t be surprised to see higher premiums or even policy non-renewal. Insurance companies provide the lowest premiums to people who are claim-free. Your car insurance is intended for more catestrophic claims.
• Your stress level may be raising your car insurance rates – Jobs like fire fighterspolice officers and financial analysts are shown to have the highest average rates due to intense work situations and lots of time spent at work. Other jobs like scientists, historians and homemakers receive lower rates on Blazer insurance.
• Avoid unnecessary extra coverages – There are many extra coverages that sound like a good idea at the time when buying car insurance. Coverages like rental car reimbursement, accidental death, and extra equipment coverage are examples of these. They may seem good when talking to your agent, but now you might not need them so think about removing them and cutting costs.
• Bad credit will cost you – An insured’s credit score factor in determining your rates. If your credit is not that good, you could save money insuring your 2000 Chevrolet Blazer by spending a little time repairing your credit. Consumers who have excellent credit tend to file fewer claims than drivers who have poor credit scores.
• Never let your car insurance policy expire – Driving without insurance coverage in place is illegal and as a result your rates will increase for letting your insurance coverage expire. And not only will insurance be more expensive, not being able to provide proof of insurance could result in a hefty fine and possibly a revoked license. Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.

Tailor your insurance coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions might help in determining whether you might need an agent’s assistance.

• What are the financial responsibility laws in my state?
• Is a new car covered when I drive it off the dealer lot?
• Is my nanny covered when driving my vehicle?
• Am I covered if my car is in a flood?
• How can I find cheaper teen driver insurance?
• Where can I find high-risk insurance?
• Why do I only qualify for high-risk insurance?
• How high should deductibles be on a 2000 Chevy Blazer?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Do drivers who switch really save?

Drivers constantly see and hear ads that claim the lowest car insurance rates by Geico, State Farm and Progressive. They all tend to make the same promise of big savings after switching to them.

That’s great but how can every company offer drivers better rates? It’s all in the wording.

Insurance providers offer their best rates for the type of driver that makes them money. For example, a profitable customer might be described as over the age of 50, owns their home, and drives less than 7,500 miles a year. Any new insured who fits those characteristics will get the preferred prices and have a good chance to save some money.

Consumers who fall short of these standards will see higher premiums which usually ends up with the customer buying from a different company. Company advertisements say “customers that switch” not “everyone who quotes” save the amount stated. That is how insurance companies can confidently advertise the savings. Because of the profiling, drivers should compare free car insurance quotes often. It’s just too difficult to predict which insurance companies will provide you with the cheapest prices.

Auto insurance coverages

Understanding the coverages of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by insurance companies.

Uninsured and underinsured coverage

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Chevy Blazer.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability coverage

This provides protection from injuries or damage you cause to other’s property or people. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like pain and suffering, bail bonds, medical expenses and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like funeral costs, X-ray expenses, surgery, pain medications and chiropractic care. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverages

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, vandalism, damage from flooding and damage from getting keyed. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for collisions

This covers damage to your Blazer from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like damaging your car on a curb, sustaining damage from a pot hole and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

In any little way, save everyday

When shopping online for car insurance, don’t be tempted to skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage at the best price, but do not sacrifice coverage to save money.

We just showed you quite a bit of information on how to get a better price on 2000 Chevy Blazer insurance. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding cheaper car insurance. You may even discover the lowest auto insurance rates are with a small local company. Regional companies often have lower premium rates on specific markets than their larger competitors like Allstate and Progressive.

More information

• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• Auto Insurance Basics (Insurance Information Insitute)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)