2001 Chevrolet Blazer Car Insurance Quotes – 6 Tricks for Cheaper Rates

Looking for better insurance rates for your Chevrolet Blazer? Having to pay for high-priced Chevrolet Blazer insurance can drain your budget and put a big crunch on your finances. There are many insurance companies to pick from, and although it’s nice to have a selection, it can be more challenging to get the best deal.

It’s a good idea to check insurance prices occasionally because insurance prices are variable and change quite frequently. Just because you found the best rate on Blazer insurance six months ago a different company probably has better premium rates today. Block out anything you think you know about insurance because you’re about to learn the best methods to lower your rates without sacrificing coverage.

Shop car insurance online

Getting a more affordable price on 2001 Chevy Blazer insurance is pretty simple and can save money. You just have to take time comparing free auto insurance quotes online with multiple companies. You can get a good selection of rate quotes by following the guidelines below.

• The easiest and least time consuming way to find low rates is a comparison rater form click to view form in new window. This quick form prevents you from having to do multiple quote forms for each price estimate. Just one form will get you rate comparisons from all major companies.
• A more difficult 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, we’ll assume you want to view quotes from Nationwide, State Farm and Farmers. In order to compare rates, you need to go to every website and type in your information over and over, which can be really labor intensive. To view a list of companies in your area, click here.

Which method you use is up to you, but try to use exactly the same coverage information with each company. If the quotes have different data it will be nearly impossible to determine which rate is truly the best.

Discount auto insurance quotes

Insuring your fleet can be pricey, but you can get discounts that can drop the cost substantially. Many discounts should be triggered when you purchase, but less common discounts must be asked about before you will receive the discount.

• Driver’s Education for Students – Have your child enroll in driver’s education in school or through a local driver safety program.
• Good Grades Discount – A discount for being a good student may save as much as 25% on a auto insurance quote. This discount can apply well after school through age 25.
• Distant Student – Kids who attend college more than 100 miles from home and do not take a car to college could qualify for this discount.
• Discounts for Cautious Drivers – Drivers who avoid accidents may save up to 50% more on Blazer insurance compared to rates paid by drivers with frequent claims.
• Paperwork-free – Certain insurance companies will provide an incentive simply for signing digitally online.
• Active Service Discounts – Having an actively deployed family member may lower your premium rates slightly.

It’s important to note that many deductions do not apply to the entire cost. Most cut specific coverage prices like medical payments or collision. Even though it may seem like all the discounts add up to a free policy, auto insurance companies aren’t that generous.

Large auto insurance companies and their offered discounts are outlined below.

• State Farm offers discounts for Drive Safe & Save, good student, good driver, anti-theft, Steer Clear safe driver discount, multiple autos, and driver’s education.
• Nationwide discounts include anti-theft, multi-policy, Farm Bureau membership, easy pay, and defensive driving.
• Geico may offer discounts for multi-policy, anti-theft, good student, emergency military deployment, and defensive driver.
• AAA offers premium reductions for anti-theft, pay-in-full, good student, education and occupation, multi-policy, and multi-car.
• 21st Century offers discounts including 55 and older, defensive driver, driver training, early bird, and anti-lock brakes.
• The Hartford has discounts for bundle, vehicle fuel type, air bag, driver training, anti-theft, and good student.

If you need lower rates, check with each company what discounts are available to you. Depending on the company, some discounts might not be offered on policies in your area. If you would like to view insurers that can offer you the previously mentioned discounts, follow this link.

Tailor your auto insurance coverage to you

When buying coverage for your personal vehicles, there is no single plan that fits everyone. Every situation is different so your insurance should reflect that For example, these questions might point out if your insurance needs will benefit from professional help.

• Does liability extend to a camper or trailer?
• Does my 2001 Chevy Blazer need full coverage?
• Can I afford to buy a different vehicle if my 2001 Chevy Blazer is totaled?
• Can I afford to pay high deductible claims out of pocket?
• Do I need motorclub coverage?
• What should my uninsured motorist coverage limits be in my state?
• Is business equipment covered while in my vehicle?
• Where can I find high-risk insurance?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Coverages available on your car insurance policy

Learning about specific coverages of your car insurance policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages found on most car insurance policies.

Comprehensive auto coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hail damage, fire damage and damage from getting keyed. The maximum payout a car 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 consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your Chevy Blazer.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are identical to your policy’s liability coverage.

Liability coverages

Liability insurance protects you from damage that occurs to other people or property. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like bail bonds, loss of income and medical expenses. How much coverage you buy is up to you, but you should buy as much as you can afford.

Auto collision coverage

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

Collision insurance covers things such as damaging your car on a curb, colliding with another moving vehicle, crashing into a ditch, driving through your garage door and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for bills for things like prosthetic devices, doctor visits and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Don’t be a big spender

We just showed you a lot of tips how to lower your 2001 Chevy Blazer insurance premium rates. It’s most important to understand that the more companies you get prices for, the more likely it is that you will get a better rate. You may even find the most savings is with a small local company. Some small companies can often provide lower prices in certain areas than the large multi-state companies such as Allstate and Progressive.

As you prepare to switch companies, do not buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped uninsured motorist or liability limits and discovered at claim time they didn’t have enough coverage. Your goal is to purchase plenty of coverage for the lowest cost, but don’t skip important coverages to save money.

Some companies don’t offer online quoting and many times these regional insurance providers only sell through independent agents. Cheap 2001 Chevy Blazer insurance can be purchased from both online companies as well as from independent agents, and you should compare rates from both in order to have the best chance of saving money.

Additional insurance coverage information can be found below:

• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Think You’re a Safe Driver? (State Farm)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Determing Auto Insurance Rates (Geico)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• What is Covered by GAP Insurance? (Allstate)