Lower Your 2001 Chevrolet Blazer Insurance Quotes

Locating better insurance prices for a Chevy Blazer could be an all-consuming task, but you can learn our car insurance buying tips and make it easy.

There are both good and bad ways to shop for car insurance so you’re going to learn the absolute fastest way to get price quotes for your Chevy and get the lowest price either online or from local insurance agents.

You need to get comparison quotes periodically since insurance prices change frequently. If you had the lowest rates for Blazer coverage a few years ago you can probably find a better rate quote now. Ignore everything you know about car insurance because we’re going to show you the quickest way to lower your annual insurance bill.

Shopping for the best car insurance can be fairly easy. If you have a policy now or are looking for a new policy, you can learn to find better prices while maximizing coverage. Drivers just need to know the proper methods to get comparison quotes online.

How to compare insurance coverage quotes

Comparing insurance coverage rates can take time and effort if you don’t understand the most efficient way. You could spend your day talking about coverages with local insurance agents in your area, or you could use online quotes to quickly compare rates.

Many of the larger companies take part in a program that enables customers to complete one form, and at least one company returns a competitive quote for coverage. This prevents consumers from doing quotation requests for each company. To compare rates now click here to open in new window.

One minor caviat to using this type of form is you are unable to specify which providers you will receive quotes from. So if you want to select from a list of companies to compare, we put together a list of companies who write insurance coverage in your area. Click to view list.

The method you choose is up to you, but ensure you’re using the exact same coverages and limits for every quote you compare. If you have different liability limits it will be next to impossible to determine which company has the best rates.

When do I need an agent’s advice?

When choosing proper insurance coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.

For instance, these questions might help in determining if your insurance needs might need an agent’s assistance.

• When should I remove comp and collision on my 2001 Chevy Blazer?
• How can I get my company to pay me more for my totalled car?
• Am I covered if my car is in a flood?
• Does my insurance cover my expensive audio equipment?
• Can I rate high risk drivers on liability-only vehicles?
• If my pet gets injured in an accident are they covered?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Detailed coverages of your insurance policy

Having a good grasp of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like sideswiping another vehicle, backing into a parked car, sustaining damage from a pot hole and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Insurance for medical payments

Med pay and PIP coverage kick in for immediate expenses such as pain medications, X-ray expenses, doctor visits, chiropractic care and EMT expenses. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as fire damage, a tree branch falling on your vehicle, rock chips in glass, damage from getting keyed and hitting a bird. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability

This protects you from damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU from claims by 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, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like structural damage, medical services and emergency aid. The amount of liability coverage you purchase is up to you, but buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since 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. Usually these limits are set the same as your liablity limits.