Insure a Chevrolet Blazer like a Penny Pincher
If finding affordable car insurance was easy, most of us would take the time to do it. But the reality is, it's a chore for most people and we seem to always end up paying more than we want to. Finding affordable insurance for your Chevrolet Blazer is probably the same story.
Step One: Shop Around
Up until about ten years ago, the only way to shop for car insurance was in the office of a local insurance agent where you'd get a hard sell into a policy. Now you can compare rates and buy a policy online!
Almost every car insurance company now offers online quotes, and you can actually get insurance quotes for a Chevrolet Blazer without even visiting their websites!
To start saving, have your current policy handy and click the link below. Our short form makes it easy to enter your information and compare rates.
Quoting Tip! The only way to compare rates from multiple companies is to use identical coverage amounts and deductibles on each quote. If you use different limits on quotes, you cannot accurately determine which company has the best rates for your Blazer.
Step Two: How to Insure your Blazer for Less
After step one is complete, it's now time to analyze some of the other factors that can negatively impact car insurance rates for a Blazer.
- A deductible is the amount you pay before your company pays a comprehensive or collision claim. If you increase your deductibles, you will pay less for these coverages.
- How is your credit rating? The better credit you have, the less insurance will cost for your Blazer. If you have bad credit, work on improving your credit score and repair past credit problems.
- Insurance companies will charge you a little higher rate on an SUV due to the fact that most have larger engines, four wheel drive, and more complex drive trains.
- Teenage drivers can be very expensive to insure on newer vehicles will full coverage. You may be better off purchasing an older vehicle for your teenager and only insure it for liability.
- Consider taking a defensive driving course. You can often make up the cost of the course in as little as a single policy renewal.
- A lead foot will result in higher insurance rates. Slow down, don't get tickets and you'll pay less.
- Allowing your insurance to lapse for any length of time will increase the cost of a new policy. Always keep coverage in force.
- The advancement of car safety features such as traction control, stability control, front and side-impact air bags and all-wheel drive all help keep insurance costs down.
- If you rent rather than own a home, you may be paying more for car insurance. Homeowners often get lower rates.
- If you have tended to file small claims with your car insurance company in the past, you're most likely going to pay higher premiums in the future. Consider paying minor claims out-of-pocket instead of blemishing your claim history.
- If you belong to a professional organization, check to see if that can earn you a discount. If you're over the age of 55, check to see if they have a senior citizen discount as well.
- Particular years and models of cars tend to be frequently stolen, and if your Blazer is on that list, chances are your insurance company knows it and will ding you a little extra because of it.
Step Three: Finalize your Car Insurance Policy
Once you have compared identical rate quotes for your Blazer and made a decision on deductibles, coverages and other policy options, you are ready to buy your policy with the new company.
An important thing to keep in mind when buying a new policy is you want the effective date of the new policy to be the exact same as the date you are cancelling your old policy.
If the Chevrolet Blazer is a new purchase and you already have car insurance, then you will have some coverage that extends to the vehicle. But if you let your old policy lapse or have never had coverage, you don't have any protection once you buy the vehicle. When driving off the lot, you may have coverage that extends from your current policy. But it will only be equal to the most coverage you have on any vehicle. So if you only carry liability coverage, you won't be covered for full coverage until you specify it on your policy.
Your insurance company will provide you with proof-of-insurance forms to keep in your vehicle. It's required by state law to carry at least the state minimum liability limits. High risk drivers may be required to submit an SR-22 with their state DMV's. If you have been convicted of reckless driving, DUI or had an uninsured accident, you may qualify. Make sure your new policy reflects the need for the SR-22 filing.
More Resources for Insurance Buying
To read more about topics such as how to file a claim, replacement auto parts and mistakes to avoid, visit the Insurance Information Institute website.
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