Paying for high-priced Chevrolet Blazer insurance can take a big chunk out of your personal savings and make it impossible to make ends meet. Comparing price quotes is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away.
Big companies like Geico, Farmers Insurance and State Farm all claim big savings, bombarding you with catchy ads and consumers find it hard to separate fact from fiction and take the time to shop coverage around.
Most companies such as Progressive, Geico, Allstate and State Farm give insurance quotes online. Getting online rates is quite easy as you simply enter the amount of coverage you want as requested by the quote form. When the form is submitted, their system makes automated requests for your driving and credit reports and returns pricing information. This streamlines rate comparisons, but having to visit each company’s website and repetitively complete many quote forms is repetitive and time-consuming. But it is imperative to perform this step if you are searching for the best price on auto insurance.
A less time-consuming method to lower your rates uses one simple form to obtain quotes from multiple companies. This type of form saves time, requires much less work on your part, and makes online quotes a little more enjoyable. Immediately after submitting the form, it is rated and you are able to buy any of the returned quotes. If you find a better price you can click and sign and buy the policy. The whole process just takes a couple of minutes and you will find out if you’re overpaying now.
In order to fill out one form to compare multiple rates now, click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you type in the insurance coverages identical to your current policy. This ensures you will get rate quotes for the exact same coverage.
When buying coverage, there really is no perfect coverage plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining whether your personal situation will benefit from professional help.
If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.
Understanding the coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. Car insurance terms can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages found on most car insurance policies.
Collision protection
Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for things such as colliding with a tree, crashing into a building and rolling your car. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.
Protection from uninsured/underinsured drivers
This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Chevy Blazer.
Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.
Medical expense insurance
Coverage for medical payments and/or PIP kick in for short-term medical expenses like dental work, pain medications, chiropractic care, ambulance fees and hospital visits. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay
Comprehensive (Other than Collision)
This covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers things like hitting a bird, vandalism, hitting a deer, rock chips in glass and a broken windshield. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Coverage for liability
This coverage will cover injuries or damage you cause to other’s property or people in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.
Liability insurance covers claims such as medical expenses, loss of income and pain and suffering. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.