2005 Chevrolet Blazer Insurance Rates

Locating the cheapest insurance for a Chevy Blazer could be a lot of work, but you can learn these tips to find lower rates.

There are more efficient ways to compare insurance coverage rates so you’re going to learn the absolute fastest way to price shop coverage for a Chevy and obtain the cheapest rates from both online companies and local agents.

The best way to compare policy rates is to know the trick all the major auto insurance companies actually pay money for the chance to provide you with free rate quotes. The only thing you need to do is spend a couple of minutes providing details like driver ages, if the vehicle is leased, whether or not you need a SR-22, and an estimate of your credit level. Your information is instantly provided to insurance companies and they provide comparison quotes immediately.

These discounts can lower your car insurance rates

Car insurance is not an enjoyable expense, but you may be missing some discounts that many people don’t even know exist. Some discounts will apply when you complete an application, but lesser-known reductions have to be specifically requested before being credited.

• ABS and Traction Control Discounts – Cars and trucks equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
• Organization Discounts – Joining a qualifying organization can get you a small discount when shopping for car insurance.
• Senior Citizens – Older drivers can possibly qualify for a discount up to 10% for Blazer coverage.
• Defensive Driver – Participating in a course in defensive driver is a good idea and can lower rates and easily recoup the cost of the course.
• Air Bags and Passive Restraints – Vehicles with factory air bags or motorized seat belts can qualify for discounts up to 30%.
• Discount for Home Ownership – Owning a house can earn you a little savings since home ownership is proof that your finances are in order.
• Multiple Vehicles – Buying coverage for multiple vehicles with the same company may reduce the rate for each vehicle.
• Fewer Miles Equal More Savings – Maintaining low annual mileage could earn discounted prices on garaged vehicles.

Consumers should know that most credits do not apply the the whole policy. Most only cut individual premiums such as comp or med pay. Despite the appearance that all those discounts means the company will pay you, you won’t be that lucky. But all discounts should help reduce the cost of coverage.

Companies and their offered discounts are outlined below.

• State Farm offers discounts for safe vehicle, multiple autos, good student, driver’s education, good driver, student away at school, and defensive driving training.
• Farmers Insurance has savings for good student, switch companies, alternative fuel, distant student, bundle discounts, and mature driver.
• Progressive may offer discounts for homeowner, multi-vehicle, good student, online signing, online quote discount, and continuous coverage.
• Geico may include discounts for membership and employees, seat belt use, military active duty, anti-theft, five-year accident-free, federal employee, and daytime running lights.
• Auto-Owners Insurance may have discounts that include student away at school, mature driver, anti-lock brakes, teen driver, and group or association.
• The Hartford has discounts for driver training, defensive driver, bundle, good student, anti-theft, and air bag.
• Farm Bureau discounts include multi-policy, renewal discount, youthful driver, good student, 55 and retired, multi-vehicle, and driver training.
• USAA offers premium reductions for safe driver, driver training, loyalty savings, multi-vehicle, and new vehicle.

It’s a good idea to ask every prospective company the best way to save money. All car insurance discounts might not be offered in your area. To view insurance companies who offer discounts, click here.

Different people need different car insurance coverages

When choosing coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different.

For example, these questions may help you determine whether you will benefit from professional help.

• Should I buy full coverage?
• How much liability coverage do I need in my state?
• What is UM/UIM insurance?
• Am I covered if hit by an uninsured driver?
• Can I make deliveries for my home business?
• Can I rate high risk drivers on liability-only vehicles?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and may give you better protection.

Educate yourself about insurance coverages

Knowing the specifics of your insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like surgery, prosthetic devices, dental work and ambulance fees. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Auto liability

This provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things such as bail bonds, medical expenses, emergency aid, pain and suffering and legal defense fees. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Comprehensive coverages

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a bird, fire damage, damage from flooding and a tree branch falling on your vehicle. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto collision coverage

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a building, rolling your car and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Chevy Blazer.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits do not exceed the liability coverage limits.

In the end, you save

Insureds change insurance companies for many reasons like poor customer service, policy cancellation, being labeled a high risk driver or unfair underwriting practices. Regardless of your reason for switching companies, finding the right auto insurance provider is less work than it seems.

As you shop your coverage around, do not buy less coverage just to save a little money. There have been many situations where drivers have reduced collision coverage to discover at claim time that the few dollars in savings costed them thousands. The aim is to purchase a proper amount of coverage at the best cost and still be able to protect your assets.

Cheap 2005 Chevy Blazer insurance can be bought online in addition to local insurance agencies, so you should compare both to get a complete price analysis. Some insurance companies do not provide online quoting and usually these smaller companies work with independent insurance agencies.

More resources

• Older Driver Statistics (Insurance Information Insitute)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Driving in Bad Weather (Insurance Information Insitute)
• Neck Injury FAQ (iihs.org)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)