Car Insurance Quotes for the Chevrolet Blazer

The wonderful feeling of driving your Chevrolet Blazer will be even more gratifying when you finalize your auto insurance policy. For between $81 and $155 per month on average, you can cruise around in your comfortable mid-size SUV, knowing you have the coverage you need if you get into an accident.

You can get a better picture of what your premiums will be by contacting Freeway Insurance. A friendly agent will discuss your needs and budget to determine the most affordable car insurance for your situation.

The type of car insurance coverage you choose will make a difference in how much your premiums will cost. The more coverage you get, the more it will cost you. The less coverage you get, the fewer protections you will have. To give you an idea of the decisions you’ll have to make and how they’ll affect your rate, here’s a look at two options your agent will discuss with you.

Full Coverage

If you’re the type of person who wants to know you have the best protection available, ask your agent about a full coverage policy, which should cost somewhere around $155 per month. If you’re ever in an accident, you’ll get reimbursed for damages to yourself, your passengers, your vehicle, and any possessions in the car, whether you or the other driver are at fault. In fact, your insurer will even cover non-driving-related incidents, such as theft and natural disasters.

State Minimum Liability

If lower payments are more important to you, ask about a minimum liability coverage policy, which should be approximately $81 per month. Though the cost is slimmer, you won’t be as protected. The amount of coverage you get will be based on state laws. When you obtain car insurance in Iowa, the state requires you to have a minimum of $20,000 for personal injury protection per person and $40,000 per accident, plus $15,000 for property damage you cause. Many people opt for more coverage than this because they’re concerned about having to pay for damages out-of-pocket. For example, if they total another person’s car and cause $25,000 in damage, they would have to pay $10,000 above the $15,000 their insurer will cover in Iowa.

It’s hard to mention everything that influences the cost of your policy because there are endless factors that insurers consider. But here are a few examples of what underwriters look at before you get a quote.

Probability of Theft

Every make and model has a different theft rate. If you have a full coverage policy, your insurer will have to pay for the actual cash value, so they look very closely at the likelihood of your car getting stolen as they figure out how much to charge you.

How Much Your Vehicle Costs

Similarly, if you have full coverage and you’re at fault for an accident where your car gets totaled, your insurer will have to pay you for the value of your vehicle. Therefore, they consider the book value of your ride when determining your premium amount.

Gender

If you’re a female, you’ll pay less than a male. This might not seem fair, but insurers don’t base their rates on fairness — they look at statistics that show that men are slightly more likely to get into an accident than women, which affects their likelihood of having to pay out claims.

Whenever you have a drink or two, make sure to designate a driver to take you home. Driving under the influence is dangerous, and getting convicted of a DUI is an expensive ordeal. You’ll be considered a high-risk driver, which means it will be harder for you to get insurance and you’ll have to pay more than safer drivers. Your insurer will also have to file an SR-22 certificate with the state to acknowledge that you have coverage before you can get back behind the wheel.

Have you ever heard of a multi-policy discount? Insurers offer this to clients who get more than one policy with them. How about a safe driver discount? Your agent will get you a reduction just for keeping your driving record clean.

There are many more of these discounts that can help reduce your rate. By the time your insurer calculates your monthly premiums, many of these will be included, but it never hurts to ask if they have any discounts that might help reduce your rate even further. Here are some more examples:

The Chevrolet Blazer is a storied mid-size SUV. It was in production from 1969 through 2005 and was reintroduced in 2019. Originally strictly an SUV, the current models might be viewed as more of a crossover. If you like a sporty look with a matching drive, you’ll enjoy the comfortable ride the Blazer offers. The optional V-6 engine makes this moderately-priced vehicle a powerhouse as well.