Consumers Uncover How to Pay Less for Chevy Blazer Insurance

Have you had enough of trying to scrape together enough money to insure your Chevy every month? You are no different than most other car owners in Nevada.

Multiple car insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurance companies to get the cheapest price

How to Buy Nevada Auto Insurance Online

To find the best auto insurance prices, there are several ways to get quotes and find the best price. One of the best ways to find the lowest Chevy Blazer rates is to perform an online rate comparison. This can be accomplished in a couple of different ways.

The first (and easiest) way to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This easy form eliminates the need for multiple quote forms for every auto insurance company. One form submission will get you rate comparisons from multiple low-cost companies.
A slightly less efficient method to obtain and compare quotes online is to take the time to go to the website of each company and complete a new quote form. For instance, we’ll assume you want to compare rates from GEICO, 21st Century and State Farm. You would have to go to every website and enter your policy data, which is why the first method is more popular.
For a list of links to companies insuring cars in your area, click here.
The hardest way of comparing rate quotes is to waste gas driving to local insurance agencies. The internet makes this process obsolete unless you want the professional guidance of a local agent. You can, however, comparison shop online and get advice from an agent in your area and you’ll learn how to do that later.

It doesn’t matter which method you choose, just be sure to compare identical coverage limits for each comparison quote. If your comparisons have different deductibles then you won’t be able to truly determine the lowest rate. Having just a slight variation in coverage limits can mean a large discrepancy in price. Keep in mind that obtaining a wide range of quotes will improve the odds of getting the best rates.

Can switching companies really save?

State Farm, GEICO and Progressive regularly use ads in print and on television. All the companies make the same claim that you can save if you move your coverage to them. How do they all claim to save you money?

All the different companies can use profiling for the driver that is profitable for them. For instance, a driver they prefer might be over the age of 50, has no driving citations, and has a high credit rating. Any driver that hits that “sweet spot” gets the lowest rates and therefore will pay quite a bit less when switching companies.

Consumers who don’t qualify for the “perfect” profile will be quoted higher premiums and ends up with business going elsewhere. The ad wording is “customers that switch” but not “drivers who get quotes” save that much. That is how insurance companies can make those claims. This emphasizes why it’s extremely important to get as many comparisons as possible. It’s impossible to know which insurance companies will give you the biggest savings.

Discounts are basically free money

Companies don’t necessarily list every available discount very clearly, so we break down both the well known as well as the least known ways to save on auto insurance.

Bundle and Save – If you insure your home and vehicles with one company you will save at least 10% off all policies.
Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for Blazer insurance than their less cautious counterparts.
Good Students Pay Less – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
No Claims – Drivers who don’t have accidents can save substantially when compared with bad drivers.
Lower Rates for Military – Having a deployed family member could mean lower rates.
Pay Upfront and Save – By paying your policy upfront instead of paying each month you may reduce your total bill.
Homeowners Discount – Being a homeowner can save you money because of the fact that having a home demonstrates responsibility.
Organization Discounts – Belonging to a professional or civic organization could trigger savings on auto insurance for Blazer insurance.
Save with a New Car – Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Most cut the cost of specific coverages such as collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, you’re out of luck.

Neighborhood agents for auto insurance

Some people prefer to sit down with an agent and that is a personal choice. The biggest benefit of price shopping on the web is you may find the lowest rates but still work with a licensed agent. Nevada insurance quotes

After completing this form (opens in new window), your insurance coverage information is sent to local insurance agents who will compete for your insurance coverage. You never need to visit any agencies because quoted prices will be sent directly to your email. How’s that for easy! It’s the lowest rates and an insurance agent to talk to.

Selecting an provider requires more thought than just a low price. Some important questions to ask are:

Are they properly licensed to sell insurance in Nevada?
Is working in the agency their full-time job?
Does the agent have professional designations like CIC, CPCU or AIC?
Is the agency involved in supporting local community causes?
Who are their largest clients?

Auto insurance agents in Nevada come in two varieties

When searching for a good Nevada insurance agent, there are two different agency structures that differ in how they can insure your vehicles. Agents are categorized either captive or independent.

Captive Insurance Agents

This type of agents work for only one company and some examples include Liberty Mutual, State Farm, Allstate and AAA. They are unable to compare other company’s rates so it’s a take it or leave it situation. Captive agencies receive extensive training on their company’s products and that can be a competitive advantage.

Independent Agents

Independent insurance agents do not work for one specific company but rather can write business with multiple insurance companies depending on which coverage is best. To move your coverage to a new company, your agent can switch companies without you having to go to a different agency.

When shopping rates, it’s a good idea to include price quotes from at least one independent agent to have the most options to choose from.

To view a full list of insurance agents in Nevada, visit this page.

Once you have positive responses to these questions and an affordable coverage quote, chances are good that you have found an insurance agent that can properly insure your vehicles.

Do I need special coverages?

When buying proper insurance coverage, there isn’t really a perfect coverage plan. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that could help you determine if your insurance needs would benefit from professional advice.

When should my teen driver be added to my policy?
Is my teen driver covered when they drive my company car?
Do I need special endorsements for business use of my vehicle?
Do I need higher deductibles?
What is the difference between comprehensive and collision coverage?
Why does it cost so much to insure a teen driver in Nevada?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Do I benefit by insuring my home with the same company?
Will my vehicle be repaired with OEM or aftermarket parts?
Who is covered when they drive my Chevy Blazer?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

More tips and info about auto insurance is located at the Nevada Division of Insurance website. Visitors are able to find disaster information, get help finding coverage, learn about specific coverages, and file complaints about a company.

One last thing about your coverage

When you buy insurance online, don’t be tempted to buy less coverage just to save a little money. There have been many situations where someone dropped comprehensive coverage or liability limits and learned later that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.

We covered some good ideas how to shop for Chevy Blazer insurance online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding lower rates. Consumers may even find the lowest priced auto insurance comes from some of the lesser-known companies. Regional companies may only write in your state and offer lower rates compared to the large companies like Allstate and Progressive.

Cheap Chevy Blazer insurance is definitely available online in addition to many Nevada insurance agents, and you should be comparing both to have the best rate selection. A few companies do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.