Cheap 2023 Chevrolet Blazer Insurance Rates in 2024

Consumers have a choice when looking for low-cost Chevy Blazer insurance. They can either waste time contacting agents to compare prices or use the internet to make rate comparisons.

There are both good and bad ways to find car insurance online so you’re going to learn the quickest way to compare rates for a new or used Chevy and find the best price possible either online or from local insurance agents.

It’s smart to compare prices at least once a year since rates trend upward over time. Even if you think you had the best premium rates for Blazer coverage a year ago you can probably find a lower rate today. You’ll find a ton of advice on car insurance online but in this article, you’re going to get some excellent ideas to slash your car insurance rates.

If you have a current auto insurance policy or are shopping for new coverage, you can follow these tips to reduce the price you pay and still get good coverage. The purpose of this article is to teach you how to effectively get price quotes. Consumers only need an understanding of the proper methods to compare company rates online.

Car insurance companies offer many types of discounts

Companies don’t necessarily list every policy discount very clearly, so the following is a list of both well-publicized as well as some of the hidden credits that may apply to you.

• Homeowners Discount – Simply owning a home can save a few bucks because owning a home is proof of financial responsibility.
• Discount for New Cars – Adding a new car to your policy can get you a discount because newer vehicles have to meet stringent safety requirements.
• Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education as it will make them better drivers and lower rates.
• ABS Brakes – Cars with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
• Defensive Driving Course – Taking part in a safe driver course could possibly earn you a 5% discount and easily pay for the cost of the class.
• Safe Drivers – Accident-free drivers could pay up to 40% less for Blazer coverage compared to rates paid by drivers with frequent claims.
• Telematics Discount – Policyholders that allow driving data collection to analyze when and where they use their vehicle by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot may see discounts if they exhibit good driving behavior.

As a sidenote, most discount credits are not given to all coverage premiums. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it appears you would end up receiving a 100% discount, you’re out of luck.

Popular car insurance companies and their offered discounts are:

• The Hartford has discounts for anti-theft, good student, driver training, defensive driver, bundle, and vehicle fuel type.
• American Family includes discounts for early bird, accident-free, good student, bundled insurance, and multi-vehicle.
• Progressive may have discounts that include online quote discount, continuous coverage, online signing, multi-policy, and good student.
• Travelers offers premium reductions for continuous insurance, payment discounts, driver training, multi-car, home ownership, IntelliDrive, and new car.
• Farmers Insurance offers discounts including multi-car, homeowner, electronic funds transfer, business and professional, alternative fuel, and mature driver.
• USAA offers discounts for vehicle storage, defensive driver, driver training, new vehicle, multi-policy, and loyalty savings.
• Liberty Mutual policyholders can earn discounts including multi-policy, preferred payment discount, good student, new move discount, multi-car, newly married, and newly retired.

Double check with each insurance company what discounts are available to you. Some of the discounts discussed earlier may not apply in your area. For a list of insurers offering car insurance discounts, enter your zip code here.

The best way to compare policy rates is to realize most insurance companies pay for the opportunity to compare rate quotes. The only thing you need to do is provide the companies a bit of rating information such as how much education you have, if you require a SR-22, if your license is active, and types of safety features. That rating data is then sent to multiple companies and you will receive price estimates immediately.

Insurance costs are influenced by these factors

Many different elements are used when you get a price on insurance. A few of the factors are predictable such as traffic violations, but other factors are more transparent such as your credit history and annual miles driven. Consumers need to have an understanding of some of the factors that come into play when calculating car insurance rates. If you know what impacts premium levels, this empowers consumers to make smart changes that could help you find much lower annual insurance costs.

The itemized list below are some of the major factors used by insurance companies to determine premiums.

• Eliminate unneeded extra policy coverages – Insurance policies have a lot of extra coverages you can purchase if you don’t pay attention. Add-on coverages like roadside assistance, accident forgiveness, and Farm Bureau memberships may be costing you every month. These may sound like a good investment when deciding what coverages you need, but now you might not need them so get rid of them and save.
• Youthful drivers cost more – Mature drivers are shown to be more cautious, tend to cause fewer accidents , and are generally more financially stable. Youthful drivers are known to get distracted easily when driving with friends and because of this, their car insurance rates are much higher.
• Bad credit hurts insurance premiums – An insured’s credit score can be a huge factor in calculating your premium rate. Therefore, if your credit leaves room for improvement, you may save money insuring your 2023 Chevrolet Blazer by improving your rating. People that have good credit tend to be better risks to insure than drivers with poor credit scores.
• Men pay higher costs – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that males are worse at driving than females. Men and women are responsible for accidents in similar percentages, but the males get into accidents with more damage. Not only are claims higher, but men get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly.
• Rates can drop if you have more than one policy – Many insurers will give discounts to policyholders who carry more than one policy in the form of a multi-policy discount. The discount can add up to anywhere from five to ten percent in most cases. Even if you qualify for this discount already, you still need to check prices from other companies to verify if the discount is saving money. There is a chance you can find lower rates even if you insure with multiple companies.
• Raise deductibles and save – Physical damage deductibles represent how much money you are willing to pay if a claim is determined to be covered. Physical damage insurance, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Examples of covered claims are rear-ending another vehicle, vandalism, and damage caused by road hazards. The more of the claim you pay before a claim is paid (deductible), the lower your rates will be for Blazer coverage.
• Always keep your car insurance in force – Going without insurance will be a quick way to drive up your policy premiums. And not only will insurance be more expensive, being ticketed for driving with no insurance may earn you fines or a revoked license. You may then be required to file a SR-22 with your state department of motor vehicles.
• Being married pays dividends – Being married can actually save you money when shopping for car insurance. It is viewed as being more mature and responsible and statistics prove drivers who are married file infrequent claims.

Do I just need basic coverages?

When choosing the best insurance coverage, there really is no one size fits all plan. Every situation is different.

For instance, these questions can help discover if you might need an agent’s assistance.

• Do I need PIP (personal injury protection) coverage in my state?
• Should I buy full coverage?
• Am I missing any policy discounts?
• Do I really need UM/UIM coverage?
• Do I have coverage for damage caused while driving under the influence?
• Does car insurance cover theft of personal property?
• Does my insurance cover a custom paint job?
• Can I pay claims out-of-pocket if I buy high deductibles?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and enter your zip code. It only takes a few minutes and you can get the answers you need.

Specific coverages for a 2023 Chevy Blazer

Understanding the coverages of your policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability insurance – Liability coverage provides protection from damage or injury you incur to other’s property or people in an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like court costs, legal defense fees and structural damage. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision – Collision coverage covers damage to your Blazer resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as damaging your car on a curb, scraping a guard rail, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive coverages – Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like fire damage, a tree branch falling on your vehicle, falling objects and damage from flooding. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Normally these limits are set the same as your liability limits.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for prosthetic devices, nursing services and surgery. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Final considerations

When shopping online for auto insurance, don’t be tempted to buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced comprehensive coverage or liability limits only to discover later that it was a big error on their part. Your goal should be to buy the best coverage you can find at an affordable rate, but don’t skip important coverages to save money.

More affordable auto insurance is definitely available on the web as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture. Some companies do not provide the ability to get quotes online and usually these regional insurance providers provide coverage only through independent agents.

Drivers switch companies for a variety of reasons including policy non-renewal, denial of a claim, not issuing a premium refund or even high prices. No matter why you want to switch, switching companies is pretty easy and you might even save some money in the process.