Step-by-step Guide to Cheaper Chevrolet Blazer Insurance
If shopping for auto insurance was more enjoyable, it would get done more often. But unfortunately, it's difficult for a lot of people and we always seem to pay more than we should. Finding good insurance for your Chevrolet Blazer probably leaves you feeling the same way.
Step One: Compare Rates
The old way of buying car insurance was to make multiple trips to various local agents and get strong armed into a policy that didn't necessarily fit you. But now you can eliminate that hassle and buy online!
All the major car insurance companies sell insurance for a Chevrolet Blazer and you don't even have to visit each individual website!
Simply click the link below to start a quote that will compare rates from many companies and you may find a lower rate than you're currently paying.
Insurance Quoting Tip! The only way to accurately compare rates bewteen different companies for your Blazer is to use identical coverage limits on all the quotes. If you use different liability limits and/or deductibles, you won't have an apples-to-apples rate comparison.
Step Two: How to Save on Blazer Insurance
Now that you have several rates to compare (since you did compare rates above, right?), we will now show you some additional ways you can lower your Blazer insurance rates.
- If you car makes the top ten list of most stolen cars, you might be paying a little extra to insure it.
- With age comes cheaper rates! If you're a senior citizen, many car insurance companies will give you a discount. Also, if you belong to a professional organization, check to see if your company gives discounts to members.
- SUV's tend to have slightly higher insurance rates due to the fact that you can take them offroad and they have a more complex drive train system.
- Equipping your Chevrolet with available safety features such as air bags and passive restraints allows you to take advantage of additional discounts.
- Many insurance companies will give you a small discount if you've recently completed a driver's training course.
- Smaller claims that hardly exceed your deductible are better off not being filed with your insurance company. Policyholders with no claims enjoy lower rates than those who frequently file claims.
- When buying a new policy, you do not want a gap in coverage. This lapse is viewed by insurance companies as a high risk, and you will pay more for your next policy.
- Car insurance rates for a teen driver on a Chevrolet Blazer will be expensive no matter what kind of coverage you have. But if you don't need comprehensive and collision, consider dropping those to save money.
- If you are a renter rather than a homeowner, you might pay a little more to insure your car. Owning a home takes financial repsonsibility and insurance companies reward those policy holders.
- Speeding tickets and other violations can negatively impact your insurance rates for up to three years. Get too many tickets and you'll be shopping for a new car insurance company.
- 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.
- Before a comprehensive or collision claim is paid by your company, you have to pay a deductible first. The more you're willing to pay, the lower your rates will be. Consider raising your deductibles to $500 or even $1,000.
Step Three: Buy the Best Policy
If you have found a good price by comparing quotes and also made informed decisions regarding policy limits, deductibles and other policy options that are available, you can now purchase the policy and bind coverage.
Make sure to avoid any lapse in coverage by setting the new policy's effective date to be the same date you cancel your old policy. Otherwise you could be driving without any coverage.
Any time you buy a new vehicle, make sure you have car insurance in place, either from an existing policy or a new policy that you purchase from the dealership floor. Your existing car insurance policy will give you some coverage if you buy a new or used Blazer, but unless you are already paying for full coverage, you won't have it until you add the vehicle to your policy.
Be sure to replace any old proof-of-insurance cards in your car. You must always have the current card in your vehicle as required by state law. Depending on your state's statutes, you may be required to file an SR-22 form if you've been convicted of an uninsured accident, DUI or license suspension. Make sure your new company is aware of this requirement and files it promptly.
More Educational Resources
For more detailed car insurance topics, visit the Insurance Information Institute.
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