Cheap 2003 Chevrolet Blazer Car Insurance Rates

Searching for better car insurance rates for your Chevrolet Blazer? Finding budget-priced car insurance over the internet might appear somewhat intimidating for consumers that are relatively new to online price comparisons. With so many companies in the marketplace, how can drivers have the ability to compare every possible option in order to find better rates?

You should make it a habit to get comparison quotes once or twice a year because rates change quite often. Just because you found the best deal on Blazer coverage a few years ago other companies may now be cheaper. Block out anything you think you know about car insurance because we’re going to demonstrate the quickest way to buy cheaper car insurance.

The method we recommend to compare insurance rates from multiple companies utilizes the fact most larger insurance companies actually pay money for the chance to quote your coverage. To begin a comparison, all you need to do is give the companies some data like level of coverage desired, driver details, if the car is leased, and if your license is active. That information is automatically sent to multiple companies and you should receive rate quotes instantly.

Get lower rates with discounts

Insurance coverage is expensive, but there are discounts available that you may not know about. A few discounts will be applied when you get a quote, but once in a while a discount must be asked about before being credited.

  • Senior Citizens – Drivers that qualify as senior citizens may qualify for lower premium rates on Blazer coverage.
  • Save with More Vehicles Insured – Having more than one vehicle with one company may reduce the rate for each vehicle.
  • Low Mileage – Low annual miles could be rewarded with cheaper insurance coveragerates.
  • ABS Brakes – Cars with ABS and/or traction control are much safer to drive and the ABS can save up to 10%.
  • Bundled Policy Discount – When you combine your home and auto insurance with the same company you could get a discount of as much as 10 to 15 percent.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% on Blazer coverage with some insurance coverage companies.
  • Use Seat Belts – Drivers who require all vehicle occupants to fasten their seat belts can save 10% or more off the medical payments premium.
  • Telematics Data Discounts – Insureds that choose to allow driving data collection to look at their driving habits by using a telematic data system such as State Farm’s In-Drive may get a rate reduction as long as the data is positive.

Please keep in mind that most discounts do not apply to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. Even though it appears you could get a free insurance coverage policy, company stockholders wouldn’t be very happy. Any amount of discount will reduce your overall premium however.

Larger insurance coverage companies and a selection of discounts are included below.

  • GEICO includes discounts for driver training, military active duty, air bags, multi-vehicle, good student, and federal employee.
  • Auto-Owners Insurance has savings for safe vehicle, teen driver, paperless, paid in full, mature driver, group or association, and good student.
  • American Family offers discounts for defensive driver, TimeAway discount, accident-free, mySafetyValet, Steer into Savings, good student, and early bird.
  • Esurance may include discounts for online quote, safety device, Pac-12 alumni, emergency road assistance, and Switch & Save.
  • Progressive policyholders can earn discounts including online signing, good student, homeowner, online quote discount, and multi-vehicle.
  • State Farm offers premium reductions for student away at school, safe vehicle, multiple autos, Drive Safe & Save, and good driver.
  • AAA may have discounts that include education and occupation, good student, good driver, pay-in-full, multi-policy, anti-theft, and multi-car.

When quoting, ask each company or agent what discounts are available to you. Some discounts may not be offered in your area. For a list of companies that can offer you the previously mentioned discounts, follow this link.

What is the best insurance coverage coverage?

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every situation is different.

These are some specific questions can help discover whether you will benefit from professional help.

  • I don’t drive much so do I pay less?
  • How does medical payments coverage work?
  • Is my ex-spouse still covered by my policy?
  • Should I buy additional glass protection?
  • Am I missing any policy discounts?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is borrowed equipment or tools covered if stolen or damaged?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form.

Learn about insurance coverages for a 2003 Chevy Blazer

Having a good grasp of your policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverages

Comprehensive insurance coverage pays for 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 claims such as damage from getting keyed, rock chips in glass and a broken windshield. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Chevy Blazer.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability coverage

This coverage protects you from damage or injury you incur to people or other property. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

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 values of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things like court costs, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as funeral costs, ambulance fees, pain medications, dental work and surgery. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Auto collision coverage

This pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like sideswiping another vehicle, crashing into a building, colliding with another moving vehicle, colliding with a tree and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.