View 2004 Chevrolet Blazer Car Insurance Quotes

Tired of scraping the payment together to pay your auto insurance bill each month? You have the same problem as many other consumers. Lots of insurers contend for your insurance dollar, so it’s not easy to compare every company and uncover the absolute lowest rate

You should take the time to get comparison quotes yearly because insurance rates are variable and change quite frequently. Even if you got the lowest rate on Blazer insurance on your last policy other companies may now be cheaper. Forget anything you know (or think you know) about auto insurance because you’re about to learn the best methods to eliminate unnecessary coverages and save money.

If you have a current insurance policy or are just looking to switch companies, you will benefit by learning to reduce the price you pay and still get good coverage. Finding affordable coverage is easy if you know what you’re doing. Consumers just need to learn how to shop online.

Eight factors that impact insurance costs

Smart consumers have a good feel for some of the things that help determine the level of your policy premiums. If you have some idea of what influences your rates, this enables informed choices that could help you find much lower annual insurance costs.

• Premiums increase with driving tickets – Just one moving violation can boost insurance rates forty percent or more. Attentive drivers have lower premiums compared to bad drivers. Drivers with flagrant citations like reckless driving, hit and run or driving under the influence may face state-mandated requirements to prove financial responsibility with the DMV in their state in order to drive a vehicle legally.
• Premiums are affected by your address – Living in a small town is a good thing when it comes to auto insurance. Urban drivers regularly have much more traffic and longer commute times. Less people translates into fewer accidents in addition to fewer liability claims.
• Improve your credit history and save – Having a bad credit score factor in calculating your auto insurance rates. Drivers with good credit tend to be less risk to insure than drivers who have lower ratings. Therefore, if your credit can use some improvement, you could pay less to insure your 2004 Chevrolet Blazer by repairing your credit.
• Discounts for married couples – Having a significant other can get you a discount on your policy. Having a spouse usually means you are more mature and insurance companies reward insureds because drivers who are married file infrequent claims.
• Liability insurance limits on your policy – Your policy’s liability coverage is the protection if ever you are found to be at fault for causing personal injury or damage in an accident. Your policy’s liability insurance provides legal defense to defend your case. This coverage is very inexpensive when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
• Gender matters – The statistics show that women are safer drivers than men. This data doesn’t prove that women are BETTER drivers than men. Men and women are in accidents at about the same rate, but the men tend to have more serious accidents. Men also tend to get higher numbers of serious violations like DWI (DUI) or reckless driving.
• Never allow your auto insurance to lapse – Letting your insurance expire is a fast way to bump up your auto insurance costs. In addition to paying higher premiums, getting caught without coverage might get you fines or a revoked license. You will then be forced to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
• Insurance is expensive for youthful drivers – Drivers with little experience are statistically proven to be inattentive and easily distracted when driving so they pay higher auto insurance rates. Older, more experienced drivers are shown to be more cautious, cost insurance companies less in claims , and are generally more financially stable.

Take policy discounts and save

Some providers do not list every policy discount very clearly, so the list below contains some of the best known as well as the least known credits that may apply to you.

• Discounts for Federal Employees – Being employed by or retired from a federal job could qualify for a slight premium decrease on Blazer insurance depending on your company.
• Save with a New Car – Buying a new car model can be considerably cheaper since newer models have better safety ratings.
• Online Discount – A few auto insurance companies give back up to $50 simply for signing on the web.
• Driver Training Discounts – Taking part in a course in driver safety can save you 5% or more if you qualify.
• Payment Method – By paying your policy upfront rather than spreading payments over time you could save up to 5%.
• Drivers Ed for Students – Require your teen driver to complete a driver education course in school or through a local driver safety program.

While discounts sound great, it’s important to understand that some credits don’t apply to all coverage premiums. Some only reduce the cost of specific coverages such as medical payments or collision. So even though they make it sound like all those discounts means the company will pay you, companies don’t profit that way.

The best auto insurance companies and some of the premium reductions they offer can be found below.

• Progressive policyholders can earn discounts including good student, homeowner, online signing, online quote discount, multi-vehicle, multi-policy, and continuous coverage.
• The Hartford offers discounts for good student, anti-theft, air bag, driver training, vehicle fuel type, defensive driver, and bundle.
• Mercury Insurance may include discounts for anti-theft, professional/association, multi-policy, annual mileage, and good driver.
• Geico includes discounts for multi-vehicle, anti-theft, military active duty, membership and employees, federal employee, air bags, and daytime running lights.
• AAA discounts include good student, anti-theft, pay-in-full, multi-car, good driver, AAA membership discount, and education and occupation.
• State Farm may have discounts that include good driver, student away at school, multiple policy, safe vehicle, and accident-free.

Check with each company or agent what discounts are available to you. Some of the discounts discussed earlier might not be available to policyholders in your area.

Car insurance buyers beware

Consumers can’t get away from ads that claim the cheapest premium rates by companies like State Farm, Allstate and Geico. They all seem to state the claim that drivers can save some big amount just by moving your car insurance policy to them.

That’s great but how can every company cost less than your current company? Just pay attention to how they say it.

Different companies are able to cherry pick for the type of insured that makes them money. For example, a desirable insured may be a mature driver, carries high limits, and drives newer vehicles. A propective insured that matches those criteria will probably get cheap auto insurance rates as well as save when switching.

Potential insureds who do not match the “perfect” profile may receive higher prices which translates to the driver buying from a lower-cost company. If you pay close attention to the ads, they say “drivers who switch” not “everyone that quotes” save money. That’s why insurance companies can make the claims of big savings.

That is why it is so important to get a wide range of price quotes. It’s just too difficult to predict with any certainty which company will have the best auto insurance rates for your profile.

Which policy gives me the best coverage?

When buying proper insurance coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if you would benefit from an agent’s advice.

• What should my uninsured motorist coverage limits be in my state?
• I have a DUI can I still get coverage?
• Do I pay less if my vehicle is kept in my garage?
• What is medical payments coverage?
• Am I better off with higher deductibles on my 2004 Chevy Blazer?
• When do I need to add a new car to my policy?
• Do all my vehicles need collision coverage?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

The coverage is in the details

Knowing the specifics of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are the normal coverages found on most insurance policies.

Liability coverages

This will cover damage or injury you incur to people or other property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things such as attorney fees, funeral expenses and medical services. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for bills like chiropractic care, X-ray expenses, dental work and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision insurance will pay to fix damage to your Blazer resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like rolling your car, colliding with a tree, hitting a parking meter and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2004 Chevy Blazer.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Frequently these coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, damage from a tornado or hurricane, falling objects and a broken windshield. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Keep this in mind

Cheaper 2004 Chevy Blazer insurance is definitely available online in addition to local insurance agencies, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies do not offer the ability to get quotes online and most of the time these smaller companies prefer to sell through independent insurance agents.

We just presented a lot of ways to shop for 2004 Chevy Blazer insurance online. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding inexpensive auto insurance. You may be surprised to find that the lowest priced insurance comes from a smaller regional carrier. These companies may cover specific market segments cheaper as compared to the big name companies such as Allstate and Progressive.

Even more information can be found at these sites:

• Vehicle Size and Weight FAQ (iihs.org)
• Distracted Driving Extends Beyond Texting (State Farm)
• Keeping Children Safe in Crashes Video (iihs.org)
• How to Avoid Staged Accidents (State Farm)