Lower Your 2002 Chevrolet Blazer Car Insurance Rates

Consumers have lots of choices when looking for affordable Chevy Blazer insurance. They can either waste time driving around to compare prices or save time using the internet to make rate comparisons.

There is a better way to buy car insurance so you’re going to learn the absolute fastest way to get price quotes for a new or used Chevy and locate the best price possible from local insurance agents and online providers.

You should make it a habit to compare prices on a regular basis since rates are usually higher with each renewal. Just because you had the best deal for Blazer coverage six months ago you will most likely find a better price today. Forget anything you know (or think you know) about car insurance because you’re about to find out the only way to buy cheaper car insurance.

Seven tips to get cheaper insurance costs

Lots of things are part of the equation when you get a price on insurance. A few of the factors are predictable such as traffic violations, but other criteria are not as apparent such as whether you are married or your vehicle rating.

• Liability coverage – Liability coverage is the coverage that protects you if ever a court rules you are at fault for damages from an accident. Your liability coverage provides legal defense which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
• Vehicle theft costs us all – Buying a car with a theft deterrent system can help lower your premiums. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms can help prevent car theft and help bring rates down.
• Rates can drop if you have more than one policy – Many insurers afford better rates to policyholders that buy multiple policies such as combining an auto and homeowners policy. The discount can be anywhere from five to ten percent in most cases. Even if you qualify for this discount already, drivers will still want to get quotes from other companies to help ensure you have the lowest rates. You may still save money by buying insurance coverage from a different company.
• Your location is a factor – Choosing to live in less populated areas of the country has definite advantages when buying insurance coverage. Fewer drivers on the road means reduced accidents and also fewer theft and vandalism claims. Urban drivers regularly have congested traffic and longer commute times. The longer drive time means more chance of being in an accident.
• No policy lapses lowers prices – Having a gap between insurance policy dates is a sure-fire way to bump up your insurance coverage costs. In addition to paying higher premiums, failure to provide proof of insurance can result in a revoked license or a big fine. You may then be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
• Good credit scores equal low prices – Credit history will be a significant factor in determining what you pay for insurance coverage. Insureds that have very high credit ratings tend to be better risks to insure as compared to drivers with lower credit scores. So if your credit history is not that good, you could save money insuring your 2002 Chevrolet Blazer by improving your credit score.
• Save money by eliminating extra policy coverages – There are a lot of optional add-on coverages that sound like a good idea at the time on your insurance coverage policy. Insurance for rental car coverage, better glass coverage, and term life insurance are examples of these. These may sound like a good investment at first, but your money might be better spent on other coverage so get rid of them and save.

The most recommended method to compare rate quotes takes advantage of the fact car insurance companies provide online access to compare rate quotes. To start a quote, the only thing you need to do is give them rating details such as if the car is leased, how many miles driven, if you’re married, and if it has an anti-theft system. Those rating factors is automatically sent to all major companies and they return rate quotes almost instantly.

To check 2002 Chevy Blazer insurance prices now, click here and enter your zip code.

Don’t be fooled by advertising claims

Consumers can’t avoid all the ads that promise big savings from companies such as State Farm and Allstate. All the ads tend to make the same promise that drivers can save some big amount just by switching your policy.

How does every car insurance company save you money? Here is how they do it.

Different companies quote their cheapest rates for the driver that earns them the highest profit. One example of this type of risk profile might be described as between the ages of 30 and 50, has other policies, and chooses high deductibles. A customer getting a price quote that meets those criteria gets the lowest prices and will probably save when switching.

Drivers who don’t meet the “perfect” profile will get higher premiums and this results in the driver buying from a lower-cost company. The trick is to say “customers that switch” not “all people who quote” will save that much if they switch. That’s why insurance companies can confidently make those statements.

Because every company is different, you absolutely need to get price quotes at each policy renewal. It is impossible to guess which insurance companies will give you lower auto insurance rates than your current company.

Auto insurance companies offer lots of discounts

Companies don’t list every discount in a way that’s easy to find, so we took the time to find both well-publicized in addition to some of the lesser obvious discounts that may be available.

• Passive Restraint Discount – Factory air bags or automatic seat belts may get savings of 20% or more.
• Senior Citizen Discount – Seniors are able to get better auto insurance rates for Blazer coverage.
• Anti-lock Brake System – Anti-lock brake equipped vehicles can stop better under adverse conditions so you can save 10 percent or more.
• Defensive Driver – Completing a driver safety course could possibly earn you a 5% discount and easily pay for the cost of the class.
• Sign Online – Certain larger companies will provide an incentive for buying your policy over the internet.

Don’t be shocked that most discounts do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as medical payments or collision. Even though it may seem like adding up those discounts means a free policy, it just doesn’t work that way.

To see a list of insurers that offer discounts, click here.

Do I just need basic coverages?

When buying proper insurance coverage for your vehicles, there is no single plan that fits everyone. Every situation is different.

These are some specific questions may help you determine if your insurance needs may require specific advice.

• Do I get a pro-rated refund if I cancel my policy early?
• Does my policy cover me when driving someone else’s vehicle?
• Do I need special endorsements for business use of my vehicle?
• Am I missing any policy discounts?
• Does my car insurance cover rental cars?
• Does insurance cover tools stolen from my truck?
• Do I pay less for low miles?
• When should I buy a commercial auto policy?
• What should my uninsured motorist coverage limits be in my state?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form. It is quick, free and can help protect your family.

Insurance coverages explained

Understanding the coverages of your insurance policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Comprehensive or Other Than Collision

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a bird, damage from getting keyed and a tree branch falling on your vehicle. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your Chevy Blazer.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.

Liability coverage

Liability insurance provides protection from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as legal defense fees, loss of income, court costs and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

Collision insurance will pay to fix damage to your Blazer resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as crashing into a ditch, damaging your car on a curb, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Medical costs insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses like X-ray expenses, prosthetic devices and doctor visits. They are used in conjunction with a health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

In any little way, save everyday

When trying to cut insurance costs, you should never reduce coverage to reduce premium. There have been many cases where someone sacrificed comprehensive coverage or liability limits only to discover later they didn’t purchase enough coverage. The goal is to get the best coverage possible at an affordable rate, but do not sacrifice coverage to save money.

Some car insurance companies may not offer internet price quotes and most of the time these smaller providers only sell through independent agents. Cheaper car insurance can be bought on the web and with local insurance agents, and you should be comparing both to have the best chance of lowering rates.

People change insurance companies for any number of reasons including extreme rates for teen drivers, policy cancellation, high prices or even poor customer service. It doesn’t matter what your reason, choosing a new insurance company can be easier than you think.

Additional car insurance information is available at these links:

• Top Signs Your Brakes are Giving Out (State Farm)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Insuring a Leased Car (Insurance Information Insitute)
• Understanding Rental Car Insurance (Insurance Information Insitute)