2019 Chevrolet Blazer Insurance Rates in 2024 – 5 Tricks for Best Quotes

Trying to find low-cost insurance for a Chevy Blazer can normally be difficult, but you can learn the following methods to make it easier.

There are more efficient ways to buy auto insurance and you need to know the quickest way to compare rates on a Chevy and get the cheapest rates from both online companies and local agents.

Auto insurance discounts are available to cut your rates

Some insurers do not advertise their entire list of discounts very well, so the list below contains some of the more common in addition to some of the lesser obvious savings tricks you should be using when you buy insurance online.

• Discount for Life Insurance – If the company offers life insurance, you could get a discount if you purchase life insurance from them.
• Homeowners Discount – Just owning your own home may trigger a policy discount on auto insurance since home ownership requires personal responsibility.
• Discounts for Safe Drivers – Drivers without accidents may receive a discount up to 45% on Blazer coverage as compared to drivers with claims.
• Pay Early and Save – If you can afford to pay the entire bill as opposed to paying monthly you could save 5% or more.
• Government Employees – Active or former government employment could qualify for a slight premium decrease on Blazer coverage with some auto insurance companies.

While discounts sound great, it’s important to understand that some credits don’t apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comprehensive or collision. Even though it appears all those discounts means the company will pay you, companies wouldn’t make money that way. Any qualifying discounts will help reduce your policy cost.

Some companies that may offer quotes with many of the previously listed discounts may include but are not limited to:

• American Family
• Nationwide
• MetLife
• 21st Century
• Farmers Insurance
• Allstate

When getting free insurance quotes, it’s a good idea to every insurance company which credits you are entitled to. Some credits might not be offered in your state.

Everyone needs different car insurance coverages

When choosing coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.

For instance, these questions may help highlight if your situation would benefit from an agent’s advice.

• Is my ex-spouse still covered by my policy?
• Is upholstery damage covered by car insurance?
• Is my teen driver covered when they drive my company car?
• Is my trailer covered?
• Am I covered when driving in Canada or Mexico?
• Is my business laptop covered if it gets stolen from my vehicle?
• Does coverage extend to my business vehicle?
• How can I get high-risk coverage after a DUI?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete your zip code. It’s fast, free and can provide invaluable advice.

Specifics of your car insurance policy

Understanding the coverages of car insurance aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Comprehensive or Other Than Collision

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a broken windshield, vandalism, hitting a bird, hitting a deer and theft. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto collision coverage

This coverage will pay to fix damage to your Blazer resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with another moving vehicle, scraping a guard rail, rolling your car and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Liability auto insurance

This coverage can cover damage that occurs to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for things such as loss of income, attorney fees and structural damage. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Medical costs insurance

Med pay and PIP coverage kick in for short-term medical expenses for rehabilitation expenses, funeral costs and chiropractic care. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include 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 doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages are set the same as your liability limits.

Smart shoppers get results

Lower-priced 2019 Chevy Blazer insurance is attainable both online as well as from insurance agents, and you should be comparing both in order to have the best price selection to choose from. A few companies do not provide online rate quotes and many times these small insurance companies prefer to sell through independent agents.

Insureds who switch companies do it for many reasons like poor customer service, questionable increases in premium, delays in responding to claim requests and high prices. Regardless of your reason, finding a new car insurance company can be less work than you think.

As you restructure your insurance plan, it’s a bad idea to skimp on coverage in order to save money. There have been many situations where an insured dropped collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy the best coverage you can find at an affordable rate, not the least amount of coverage.