Penny Pincher's Guide to Insuring a Chevrolet Blazer
If finding affordable car insurance was easy, most of us would take the time to do it. But most likely we pay more than we want to and don't really enjoy the buying process. Buying insurance on your Chevrolet Blazer might leave you feeling the same way.
Step One: Shop Around
If you haven't priced insurance for awhile, you may still think that the only way to compare rates is to drive around town to multiple insurance offices and meet with an agent. Now that we have the internet, shopping for car insurance online is a snap!
Getting online rate quotes for a Chevrolet Blazer from all the major insurance companies is very easy and only requires you to enter your information once.
Take the first step by clicking the link below. By answering a few questions you'll be able to compare rates quickly and easily.
Important Tip! In order to accurately compare rates for your Blazer, it's critical that you use the same limits and deductibles for liability and physical damage coverages like comprehensive and collision. If you use different limits, you will not be able to accurately compare rates between carriers.
Step Two: How to Lower your Blazer Insurance Premium
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.
- If you're willing to shoulder more of the cost at claim time, consider raising your comprehensive and collision deductibles. This can easily cut 30% or more from your policy premium.
- Check your credit rating each year and address any problem areas. Higher credit scores mean lower car insurance rates.
- If you don't need the larger engine and four-wheel drive that an SUV gives you, you might consider trading down to a passenger car to save on insurance.
- 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.
- If your teen driver has completed a driver's education class in school, check to see if your insurance company offers any discounts for this.
- If you think the only financial impact of a speeding ticket is a fine and court costs, think again. Insurance companies will raise your rates for up to three years for a single ticket.
- Having any gaps in coverage (known as a lapse) is bad in the eyes of any insurance company. Make sure you keep coverage in force at all times by synchronizing the expiration and effective dates of your policies.
- If your vehicle comes with safety features such as electronic stability control, head restraints, all-wheel drive or air bags, these all help keep insurance costs down by helping reduce accident injuries.
- Being a homeowner can often get you a little discount on your auto insurance. Insuring you home with the same company as your autos can often get you even deeper discounts.
- To keep your rates low, don't file excessive claims on your policy. Insurance is meant to cover large losses, not small damage that you can pay for out-of-pocket.
- If you belong to a professional organization for your employment, you may qualify for a discount rate. And if you're a senior citizen, you may get a discount for your age as well.
- If your Blazer ranks on the list of vehicles that are frequently stolen, that can result in a higher rating class and a more expensive rate.
Step Three: Make an Informed Buying Decision
Choosing a new car insurance company is not easy. But hopefully you have a handful of quotes for your Blazer that will give you a good idea of how much it will cost, as well as some idea of any coverage changes you may want to make.
On your new policy, double check that the effective date is the same as the date you are cancelling your old policy. This avoids any lapse in coverage which can cause an increase in your rates.
Coverage will extend from your current policy if you're buying a Chevrolet Blazer, but if you don't have a policy, you will need to make sure you have coverage in place before you drive it off the dealership lot. Most car insurance companies will extend coverage to newly purchased vehicles, but only up to the limits of the best insured vehicle. So if you only carry liability insurance and no physical damage coverage, your new purchase will be inadequately insured until you specifically add it to the policy with full coverage.
The proof-of-insurance card that is required by state law to be carried in your vehicle can be printed out upon completion of your car insurance policy. If you qualilfy as a high-risk driver after being convicted of a DUI, reckless driving or driving on a suspended license, you may be required to file an SR-22 with your state's DMV. Be sure your new car insurance company is aware of this filing requirement.
Additional Learning Resources
The Insurance Information Institute has a great resource of car insurance articles where you can learn more about coverages and money saving tips. Visit iii.org.
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