Lower Your 2005 Chevrolet Blazer Insurance Cost

Looking for better car insurance rates for your Chevrolet Blazer? Finding better insurance prices for a Chevy Blazer can turn out to be difficult, but you can follow the following methods to find lower rates. There is a right way and a wrong way to compare car insurance rates and we’ll show you the proper way to get price quotes on a Chevy and obtain the best price possible.

Buying car insurance is quite easy. If you have a policy now or are shopping for new coverage, you can use these techniques to find better prices while maintaining coverages. Vehicle owners just need to learn the proper methods to compare prices online.

How to Compare Insurance Coverage Costs

Comparing insurance coverage rates can be a daunting task if you don’t utilize the best way to get rate quotes. You can spend your afternoon discussing policy coverages with local insurance agents in your area, or you can stay home and use online quoting to get pricing more quickly.

Most of the larger companies participate in an industry program where insurance shoppers enter their coverage request one time, and every company then gives them pricing based on the submitted data. This saves time by eliminating form submissions to every company.

To submit your quote information now, click here to start a free quote.

One minor caviat to using this type of form is you don’t know exactly the providers you will receive quotes from. So if you want to select specific insurance companies to compare rates, we put together a list of insurance coverage companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just make darn sure you compare exactly the same coverage limits and deductibles for every company. If you use mixed coverages then you won’t be able to make an equal comparison.

Do drivers who switch really save?

Consumers constantly see and hear ads for cheaper car insurance from the likes of State Farm and Allstate. They all have a common claim of big savings if you move your coverage to them.

But how can every company make almost identical claims?

Insurance companies have a preferred profile for the driver they prefer to insure. An example of a desirable insured could be over the age of 40, owns a home, and has great credit. A propective insured that hits that “sweet spot” will get the preferred rates and therefore will save when switching.

Potential insureds who don’t measure up to this ideal profile will be quoted a more expensive rate which leads to the customer not buying. The ad wording is “drivers who switch” but not “drivers who get quotes” save that kind of money. That’s why companies can truthfully state the savings. This emphasizes why you should quote coverage with many companies. It’s not possible to predict the company that will provide you with the cheapest Chevy Blazer insurance rates.

Lesser-known factors impacting Chevy Blazer insurance rates

Smart consumers have a good feel for the rating factors that come into play when calculating the rates you pay for insurance. When you know what positively or negatively impacts premium levels helps enable you to make changes that will entitle you to much lower annual insurance costs.

  • Safer cars are cheaper to insure – Cars with high safety ratings get lower rates. The safest vehicles protect occupants better and lower injury rates means lower claim amounts passed on to you as lower rates. If your Chevy Blazer scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Lower rates with optional equipment – Choosing a vehicle with a theft deterrent system can get you a discount on your insurance. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your vehicle from being stolen.
  • Rate your vehicle for proper use – The more miles you rack up on your Chevy in a year the more you will pay for insurance. The majority of insurers rate vehicles based on their usage. Cars left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your Blazer may be costing you. Make sure your insurance policy is showing how each vehicle is driven.
  • Do you need the policy add-ons? – There are quite a few extra bells and whistles you can purchase on your insurance policy. Coverages like personal injury protection, better glass coverage and membership fees may be wasting your money. They may seem like a good idea when talking to your agent, but your needs may have changed so get rid of them and save.
  • Increase deductibles and save – The deductibles represent how much money you are required to spend before a claim is paid by your company. Physical damage coverage, also known as collision and other-than-collision, covers damage that occurs to your car. Examples of covered claims would be colliding with a building, damage caused by hail, or theft. The more money you’re willing to pay, the lower your rates will be on Blazer insurance.
  • Where you live is a factor – Residing in small towns and rural areas is a positive aspect when talking about insurance. Drivers who live in large cities have to deal with more traffic problems and a longer drive to work. Fewer drivers means a lower chance of having an accident.
  • Pay less if you’re married – Having a wife or husband can get you a discount on your policy. It means you’re more mature than a single person and it’s statistically proven that married drivers get in fewer accidents.

Best discounts on 2005 Chevy Blazer coverage

Auto insurance companies don’t necessarily list all available discounts in an easy-to-find place, so we took the time to find both the well known and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Student in College – Children living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Multiple Cars – Having all your vehicles on one policy can get a discount on all vehicles.
  • Accident Free – Good drivers with no accidents can earn big discounts compared to frequent claim filers.
  • 55 and Retired – If you’re over the age of 55, you can possibly qualify for a discount up to 10% on Blazer insurance.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
  • Club Memberships – Belonging to a civic or occupational organization may earn a discount on insurance on Blazer insurance.
  • Drive Safe and Save – Safe drivers may receive a discount up to 45% less on Blazer insurance than their less cautious counterparts.
  • Military Rewards – Being on active duty in the military may qualify for rate reductions.
  • One Accident Forgiven – A handful of insurance companies permit an accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.

It’s important to note that most of the big mark downs will not be given to your bottom line cost. Most only cut the cost of specific coverages such as medical payments or collision. So even though it sounds like all those discounts means the company will pay you, insurance companies aren’t that generous.

To see a list of insurers with discount insurance rates, click here.

Tailor your coverage to you

When it comes to choosing coverage for your personal vehicles, there really is no perfect coverage plan. Every situation is different.

For example, these questions might help in determining if your situation will benefit from professional help.

  • Am I better off with higher deductibles on my 2005 Chevy Blazer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is UM/UIM insurance?
  • How high should my medical payments coverage be?
  • Do I have newly-aquired coverage?
  • Should I put collision coverage on all my vehicles?
  • Which is better, split liability limits or combined limits?
  • Does my medical payments coverage pay my health insurance deductible?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, complete this form. It’s fast, free and can provide invaluable advice.

Auto insurance coverage basics

Knowing the specifics of your policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Chevy Blazer.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like fire damage, damage from getting keyed, damage from a tornado or hurricane and theft. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for collisions

This coverage pays for damage to your Blazer resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as backing into a parked car, hitting a parking meter, damaging your car on a curb, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for immediate expenses such as chiropractic care, doctor visits, pain medications, rehabilitation expenses and hospital visits. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Auto liability

This protects you from damage that occurs to a person or their property in an accident. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of 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 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like medical expenses, pain and suffering and loss of income. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Quote more, save more

Lower-priced 2005 Chevy Blazer insurance can be found online and with local insurance agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

While you’re price shopping online, it’s not a good idea to buy poor coverage just to save money. There are many occasions where someone dropped liability coverage limits only to regret at claim time that they should have had better coverage. The ultimate goal is to get the best coverage possible for the lowest price.

Consumers switch companies for any number of reasons including an unsatisfactory settlement offer, policy non-renewal, delays in responding to claim requests or even not issuing a premium refund. Whatever your reason, finding a great new company can be easy and end up saving you some money.

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