Tired of paying out the nose to insure your Chevy every month? You’re in the same situation as many other drivers.
Many auto insurance companies vie for your insurance dollar, so it can be very hard to choose a insurer to find the best rate
Consumers should take time to check car insurance prices periodically due to the fact that insurance rates fluctuate regularly. If you had the lowest rates for Blazer insurance a few years ago a different company probably has better rates today. Starting now, forget anything you know (or think you know) about car insurance because we’re going to show you the things you must know in order to reduce your cost while increasing coverage.
If you currently have a car insurance policy, you should be able to reduce your rates substantially using these techniques. Finding the best rates is easy if you know what you’re doing. Nevertheless, car owners benefit from understanding the methods companies use to sell online because it can help you find the best coverage.
Why your Chevy Blazer might be costing you more
Consumers need to have an understanding of some of the elements that play a part in calculating car insurance rates. Having a good understanding of what impacts premium levels enables informed choices that can help you get big savings.
Shown below are some of the items car insurance companies consider when setting your rates.
- Pay less if you’re married – Being married can get you a discount on your policy. Marriage usually means you are more responsible and statistics show drivers who are married are more cautious.
- Discounts for multiple policies – Many car insurance companies will award you with lower prices to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s in your best interest to compare other company rates to ensure the best deal. You may still find a better deal by buying insurance from more than one company.
- Credit scores impact car insurance rates – A driver’s credit score is a important factor in determining your rates. Therefore, if your credit rating is lower than you’d like, you could save money insuring your Chevrolet Blazer by repairing your credit. People with high credit scores tend to be more responsible as compared to drivers with poor credit.
- Equipment add-ons that lower car insurance rates – Choosing a vehicle that has an advanced theft prevention system can get you a discount on your car insurance. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft.
- Your stress level may be raising your rates – Careers like judges, social workers and dentists are shown to have the highest average rates due to job stress and lots of time spent at work. Other occupations such as farmers, historians and the unemployed pay the least for Blazer insurance.
- Do men or women drive better? – Statistics have proven women tend to be less risk to insure than men. That doesn’t necessarily mean that women are better drivers. Men and women tend to get into accidents at a similar rate, but the men cause more damage. Men also statistically receive more costly citations like DUI and reckless driving. Teenage male drivers are most likely to cause an accident and are penalized with high car insurance rates.
- High deductibles save money – Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Chevy. Examples of covered claims would be colliding with a building, damage from fire, or theft. The deductibles are how much you are required to spend out-of-pocket if you file a covered claim. The more you’re willing to pay, the less your company will charge you for insurance for Blazer insurance.
How to Get Car Insurance Comparison Quotes
There are several ways to compare car insurance prices and some are more efficient than others. You can spend countless hours talking to agents in your area, or you could use the web to get rates in a matter of minutes.
Most of the best insurance companies participate in a marketplace where insurance shoppers enter their coverage request one time, and every company then gives them pricing. This prevents consumers from doing quote requests to each company.
To compare rates now click here to start a free quote.
The only downside to doing it this way is you can’t choose which insurance companies you want to price. If you would rather choose specific providers to compare prices, we have a listing of car insurance companies in your area. Click to view list.
It’s up to you which method you use, but make sure you use the exact same deductibles and coverage limits for each comparison quote. If you compare unequal deductibles or liability limits it will be very difficult to truly determine the lowest rate. Having just a slight variation in coverage limits can make a big difference in price. And when comparing car insurance rates, know that quoting more will increase your chances of finding a better price.
Misconceptions in car insurance advertisements
State Farm, Allstate and GEICO continually stream ads on TV and radio. All the companies make the same claim of big savings after switching to them. How does each company claim to save you money?
Different companies are able to cherry pick for the driver that makes them money. For instance, a driver they prefer might be between the ages of 30 and 50, a clean driving record, and has excellent credit. A propective insured that hits that “sweet spot” is entitled to the best price and is almost guaranteed to save when switching.
Drivers who are not a match for the requirements will be charged higher prices which usually ends up with business not being written. The ads state “drivers who switch” not “people who quote” save that much. That’s the way companies can truthfully advertise the savings. That is why drivers should get a wide range of price quotes. It’s impossible to know which insurance companies will provide you with the cheapest rates.
Pay less by taking advantage of discounts
Car insurance companies do not advertise all available discounts very well, so the following is a list of both well-publicized and the harder-to-find discounts you could be receiving.
- Paperless Signup – A few companies may give you up to $50 for buying a policy and signing up digitally online.
- Good Student – This discount can save 20 to 25%. The good student discount can last up to age 25.
- Discount for Swiching Early – A few companies offer discounts for switching policies before your current expiration date. The savings is around 10%.
- Own a Home – Being a homeowner can save you money because maintaining a house demonstrates responsibility.
- New Vehicle Savings – Adding a new car to your policy is cheaper compared to insuring an older model.
It’s important to note that some of the credits will not apply the the whole policy. Most only cut specific coverage prices like medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, you won’t be that lucky.
To choose companies offering car insurance discounts, click this link.
Your coverage should be tailored to you
When choosing coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether or not you may require specific advice.
- Does my insurance cover damage caused when ticketed for reckless driving?
- Are there companies who specialize in insuring high-risk drivers?
- Can I rate high risk drivers on liability-only vehicles?
- Will I lose any money if I cancel my policy before it expires?
- How much liability coverage do I need in my state?
- Do I need roadside assistance coverage?
If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.
One last thing
In this article, we presented quite a bit of information on how to get a better price on Chevy Blazer insurance. The key concept to understand is the more providers you compare, the higher the chance of saving money. Consumers may even find the most savings is with the least-expected company. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.
Budget-conscious Chevy Blazer insurance is attainable both online and with local insurance agents, and you should be comparing both to get a complete price analysis. Some companies do not offer online price quotes and many times these small insurance companies only sell through independent insurance agents.
