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.
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.
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.
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.
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.
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.
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.
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.
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.
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:
Dannie Mccarty
Does State Farm insure at replacement cost?
Joey Carlson
Not sure what I should be paying. I live on the south side of Rio Rancho, NM. Quoted with Progressive, Esurance, and Liberty Mutual for my Chevrolet and I’m now saving $23 a month. Are quotes cheaper online? Book value doesn’t justify full coverage anymore.
Latrina Alford
If you’re a decent driver and live around Charleston, West Virginia, check out State Farm. They seem to be cheaper. Was with Progressive. I think I’ll get rid of full coverage next time.
Tuan Savage
Any companies in Shreveport, Louisiana that will insure a DUI?
Camilla Willis
Good detail in your article. Lifelong resident of Wilmington, DE. Compared quite a few companies. Saved right around $20 a month. Progressive was the most affordable for me. I used their website to get prices. Liability only on my Chevrolet.
Terrilyn Cardenas
Lots of useful info here. Checking in from Denver, CO. Got prices from Amica, Nationwide, and some smaller one I can’t remember the name of for my Blazer and I think I cut my rates about $30 each month. I get lower rates because of my clean driving record.
Debra Arnold
Just my two cents. Got a quote with USAA for my Chevrolet and saved about $90 a year. Was with Hanover. I have kids on my policy, too. Online quotes are the way to go.
Genie Rutledge
Lots of useful info here. From south side of Owensboro, KY. I got free quotes from Amica, Eastwood, and MetLife for my Blazer and saved just over $70 a year. Get lots of quotes to find the best rate. When should I drop full coverage?
Tommie Mosley
IT’S ALL TOO EXPENSIVE! I live just outside Gaithersburg, MD. Got car insurance prices from AAA, Nationwide, and Travelers for my 2004 Chevrolet Blazer and saved just over $100 a year. Was with Nationwide. My new agent seems to be really good.
Rosaria Young
Thought I’d throw in my experience. Lifelong resident of Biloxi, MS. Received rates from Progressive, Amica, and Eastwood for my Chevrolet and saved $71 a year. Liability only on my Chevrolet.