2004 Chevrolet Blazer Insurance Cost

Trying to find cheaper insurance rates for your Chevrolet Blazer? I can’t think of a single person who enjoys paying for insurance, especially knowing the cost is too high.

Having so many companies to choose from, it’s difficult to choose the most cost effective insurance company.

Discounts to lower Chevy Blazer insurance rates

Auto insurance companies don’t list all available discounts in a way that’s easy to find, so here is a list both the well known and the harder-to-find discounts you could be receiving.

  • Senior Discount – Older drivers may receive reduced rates for Blazer coverage.
  • Good Student – This discount can get you a discount of up to 25%. This discount can apply up to age 25.
  • Defensive Driving Course – Taking part in a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Paperwork-free – A handful of insurance companies will discount your bill up to fifty bucks just for signing your application online.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Service Members Pay Less – Being deployed with a military unit could mean lower rates.
  • Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for Blazer coverage than their less cautious counterparts.

It’s important to note that some of the credits will not apply to all coverage premiums. Most cut the cost of specific coverages such as medical payments or collision. So when it seems like you can get free auto insurance, it just doesn’t work that way.

A partial list of companies that may have these money-saving discounts are:

Before buying, ask all companies you are considering what discounts are available to you. Savings might not be offered everywhere.

Chevy Blazer insurance rates can be determined by these details

Smart consumers have a good feel for the different types of things that go into determining auto insurance rates. Knowing what influences your rates empowers consumers to make smart changes that may reward you with lower auto insurance prices.

Listed below are some of the factors used by your company to calculate rates.

  • Men fork out a little more – Statistics show women are more cautious behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Men and women tend to get into accidents in similar numbers, but the males tend to have more serious accidents. They also receive more costly citations such as reckless driving.
  • Too many auto insurance claims drive up costs – Car insurance companies provide lower rates to people who do not file claims often. If you frequently file small claims, you can expect either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Your location affects your rates – Being located in a small town has it’s advantages when talking about auto insurance. Lower population means reduced accidents as well as less vandalism and auto theft. Drivers who live in large cities have congested traffic and a longer drive to work. More time commuting can result in more accidents.
  • Clean credit earns discounts – A driver’s credit rating is a large factor in determining what you pay for auto insurance. Consumers who have high credit scores tend to be less risk to insure than drivers with lower credit scores. If your credit score can use some improvement, you could be paying less to insure your 2004 Chevrolet Blazer by spending a little time repairing your credit.
  • Protect yourself with liability coverage – Liability insurance provides coverage if ever a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage which can cost thousands of dollars. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.
  • More miles equals more premium – The more you drive in a year the more you will pay for auto insurance. The majority of insurers rate vehicles based upon how you use the vehicle. Cars that are left in the garage get more affordable rates compared to those used for work or business. If your policy improperly rates your Blazer may be costing you. Verify your auto insurance policy properly reflects the correct driver usage.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions could help you determine whether your personal situation will benefit from professional help.

  • Does insurance cover tools stolen from my truck?
  • What is the ISO rating for a 2004 Chevy Blazer?
  • Does having multiple vehicles earn me a discount?
  • When do I need to add a new car to my policy?
  • Can I rent a car in Mexico?
  • Where can I get insurance after a DUI in my state?
  • Is upholstery damage covered by car insurance?
  • Can I rate high risk drivers on liability-only vehicles?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Save $409 a year. For real?

Car insurance providers like Progressive, Allstate and Geico regularly use ads in print and on television. They all have a common claim that you can save if you move your policy. How can each company claim to save you money?

All companies can use profiling for the type of customer they prefer to insure. A good example of a desirable insured could possibly be over the age of 50, has no prior claims, and has great credit. A propective insured who matches those parameters will qualify for the lowest rates and most likely will save quite a bit of money when switching.

Potential insureds who don’t qualify for these standards will have to pay higher rates and ends up with business not being written. The ads say “customers who switch” but not “drivers who get quotes” save that much money. That’s why insurance companies can claim big savings. Because of the profiling, drivers should compare many company’s rates. It is impossible to predict which car insurance company will have the lowest Chevy Blazer insurance rates.

Insurance coverages explained

Having a good grasp of insurance can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types found on the average insurance policy.

Auto liability insurance

This provides protection from injuries or damage you cause to other’s property or people. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as medical services, pain and suffering, emergency aid, repair costs for stationary objects and bail bonds. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive protection

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from getting keyed, vandalism and hitting a bird. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Chevy Blazer.

Because many people carry very low liability coverage 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.

Collision coverage

Collision coverage will pay to fix damage to your Blazer caused by collision 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 coverage protects against things such as rolling your car, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for immediate expenses for things like nursing services, pain medications, dental work and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Spend less. Save more.

When you buy insurance online, you should never buy poor coverage just to save money. In many instances, someone dropped liability coverage limits and learned later they didn’t have enough coverage. Your strategy should be to purchase a proper amount of coverage at the best price.

Lower-priced 2004 Chevy Blazer insurance can be purchased both online and with local insurance agents, and you need to comparison shop both to have the best selection. Some companies do not offer you the ability to get quotes online and these small, regional companies work with independent agents.

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