2004 Chevrolet Blazer Insurance Quotes

Car insurance shopping is not really something drivers look forward to, but unfortunately it’s required for every vehicle.

This article will introduce you to how car insurance quotes work and some tricks to saving. If you have car insurance now, you will most likely be able to reduce your rates substantially using this strategy. But vehicle owners must learn the way insurance companies sell insurance online and use this information to your advantage.

Vehicle Insurance Comparison

There are several ways to shop for Chevy Blazer insurance, but some are less labor-intensive and much quicker. You can waste a few hours (or days) driving to agents in your area, or you can stay home and use the internet to achieve your goal.

Many insurance companies belong to a marketplace where prospective buyers enter their coverage request one time, and each participating company returns a competitive quote based on that information. This eliminates the need for quote requests to every company.

To find out what other companies charge for 2004 Chevy Blazer insurance click here (opens in new window).

The only downside to using this type of form is you don’t know exactly which insurance companies you want to price. If you wish to select specific providers for rate comparison, we put together a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but compare apples-to-apples deductibles and coverage limits for every quote you compare. If your comparisons have mixed coverages you can’t possibly make a fair comparison for your Chevy Blazer. Having just a slight variation in limits can make a big difference in price. And when comparing insurance rates, know that more quotes will improve the odds of getting lower pricing.

Complexity of Chevy Blazer insurance rates

An important part of buying insurance is that you know the rating factors that play a part in calculating the price you pay for auto insurance. When you know what positively or negatively influences your rates helps enable you to make changes that could result in much lower annual insurance costs.

Shown below are some of the factors that factor into premiums.

  • Having a spouse can save you money – Having a wife or husband can get you a discount when buying auto insurance. Having a spouse translates into being more mature and responsible it has been statistically shown that drivers who are married are more cautious.
  • Sex matters – The statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. They both cause accidents at about the same rate, but the males cause more damage. They also have more aggressive citations such as DWI and reckless driving. Male drivers age 16 to 19 are the most expensive to insure and are penalized with high auto insurance rates.
  • Claim-free discounts can add up – If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Insurance companies generally give lower rates to drivers who do not rely on their insurance for small claims. Car insurance is intended for major claims that would cause financial hardship.
  • Add-on coverages can add up – There are a ton of additional coverages you can purchase if you aren’t careful. Things like vanishing deductibles, better glass coverage and membership fees are examples of these. They may seem like a good idea at first, but your needs may have changed so remove them from your policy.

Get lower rates on Chevy Blazer insurance

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to cut the cost considerably. Certain discounts will be applied at quote time, but a few must be inquired about prior to receiving the credit.

  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • Discount for Life Insurance – Companies who offer life insurance give a break if you buy auto and life insurance together.
  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% on Blazer insurance with certain companies.
  • Defensive Driving Course – Taking a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
  • Multiple Policy Discount – When you have multiple policies with one company you may earn 10% to 20% off each policy.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, you’re out of luck. Any qualifying discounts will reduce your overall premium however.

Companies that may offer these discounts include:

Check with each insurance company what discounts are available to you. Savings may not be available in your state.

Tailor your coverage to you

When buying proper insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine if your situation might need professional guidance.

  • What is the rate difference between pleasure use and commuting?
  • Do I need more liability coverage?
  • Are my friends covered when driving my 2004 Chevy Blazer?
  • Does my insurance cover my expensive audio equipment?
  • What if I don’t agree with a claim settlement offer?
  • Should I have a commercial auto policy?
  • When can my company non-renew my policy?
  • How does medical payments coverage work?
  • Is a new car covered when I drive it off the dealer lot?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form.

Car insurance coverage information

Having a good grasp of your policy can help you determine which coverages you need for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Collision protection

Collision coverage covers damage to your Blazer resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like backing into a parked car, sideswiping another vehicle, hitting a parking meter, crashing into a ditch and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Liability car insurance

Liability insurance will cover damage or injury you incur to people or other property. This insurance protects YOU from claims by other people, 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. You might see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like repair bills for other people’s vehicles, structural damage, medical expenses and medical services. How much coverage you buy is a personal decision, but buy higher limits if possible.

Coverage for uninsured or underinsured drivers

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Chevy Blazer.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits are similar to your liability insurance amounts.

Comprehensive insurance

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a bird, rock chips in glass, a broken windshield, fire damage and damage from flooding. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like doctor visits, chiropractic care, X-ray expenses and rehabilitation expenses. They are used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Save your hard earned cash

We just showed you quite a bit of information on how to shop for 2004 Chevy Blazer insurance online. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may be surprised to find that the best price on auto insurance is with the smaller companies.

People who switch companies do it for a number of reasons such as not issuing a premium refund, an unsatisfactory settlement offer, delays in responding to claim requests or high rates after DUI convictions. Regardless of your reason for switching companies, finding a new auto insurance company is less work than it seems.

Lower-priced insurance can be purchased online as well as from independent agents, so you should compare both in order to have the best price selection to choose from. Some auto insurance companies don’t offer online price quotes and most of the time these regional insurance providers sell through independent agents.

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