How Much Does 1991 Chevrolet Blazer Car Insurance Cost?

Searching for lower auto insurance rates for your Chevrolet Blazer? When trying to find lower-priced insurance, are you baffled by the crazy number of auto insurance sources available to you? There are such a vast assortment of sources available that it can easily turn into a difficult situation to lower your auto insurance rates.

The quickest way to get policy rate comparisons is to take advantage of the fact almost all companies will pay a fee to provide you with a free rate quote. To begin a comparison, all you need to do is provide information such as whether or not you need a SR-22, types of safety features, which vehicles you own, and how you use your vehicles. That rating data is instantly submitted to many of the top insurers and they return cost estimate immediately.

To get price quotes for your Chevy Blazer now, click here and enter the information requested.

Don’t overlook these auto insurance discounts

Some providers don’t always advertise all available discounts very well, so we took the time to find both well-publicized and the more hidden discounts that may be available.

• Multiple Policy Discount – If you can bundle your home and auto insurance with the same insurance company you could earn a discount of up to 20% off your total premium.
• Distant College Student Discount – Children who live away from home to go to college and do not have a car could qualify for this discount.
• Drivers Education – Cut your cost by having your teen driver participate in a local driver’s education class if offered at their school.
• ABS Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes can stop better under adverse conditions so you can save 10 percent or more.
• Theft Prevention Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen so companies will give you a small discount.
• Multiple Cars – Buying a policy with more than one vehicle on one policy can reduce the rates for all insured vehicles.
• No Claims – Good drivers with no accidents can earn big discounts when compared with drivers with a long claim history.
• Defensive Driver Discount – Successfully completing a course in safe driver is a good idea and can lower rates if your company offers it.

Policy discounts save money, but most discount credits are not given to the entire cost. The majority will only reduce specific coverage prices like collision or personal injury protection. Even though the math looks like you would end up receiving a 100% discount, nobody gets a free ride. But all discounts should help reduce the cost of your policy.

A few popular companies and some of the discounts are outlined below.

• State Farm offers premium reductions for multiple policy, safe vehicle, multiple autos, accident-free, and good student.
• Geico may include discounts for multi-policy, daytime running lights, five-year accident-free, defensive driver, membership and employees, and federal employee.
• Liberty Mutual policyholders can earn discounts including hybrid vehicle, multi-car, new move discount, good student, and newly married.
• The Hartford has savings for defensive driver, good student, driver training, vehicle fuel type, and bundle.
• MetLife may have discounts that include multi-policy, accident-free, defensive driver, good driver, and good student.
• Progressive includes discounts for multi-policy, continuous coverage, homeowner, online signing, online quote discount, good student, and multi-vehicle.

If you want cheap insurance quotes, ask each company or agent to apply every possible discount. Some of the earlier mentioned discounts might not be offered in your area. If you would like to see a list of insurers with discount rates, follow this link.

Chevy Blazer insurance premium factors

A large part of saving on insurance is knowing the different types of things that help calculate your policy premiums. If you know what positively or negatively impacts your premiums, this allows you to make educated decisions that can earn you lower insurance prices.

• Don’t cancel your coverage without a new one in place – Driving without insurance is against the law and any future policy may cost more because you let your insurance lapse. Not only will rates go up, being ticketed for driving with no insurance may result in a steep fine or even jail time. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state DMV.
• File policy claims and pay more – If you are the type of insured that files lots of claims don’t be surprised to see higher rates. Car insurance companies provide most affordable rates to drivers who are not frequent claim filers. Insurance coverage is designed for claims that pose a financial burden.
• Deter car thieves – Driving a car with a theft deterrent system can help lower your rates. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your vehicle from being stolen.
• Higher coverage deductibles are cheaper – Protection for physical damage, also called comprehensive and collision insurance, protects your Chevy from damage. A few examples of covered claims are a broken side mirror, hail damage, and damage caused by flying debris. Comprehensive and collision coverage deductibles represent how much money you are willing to pay if a claim is determined to be covered. The more of the claim you choose to pay out-of-pocket, the bigger discount you will receive for Blazer coverage.
• Liability limits are a factor – Your policy’s liability coverage kicks in if you are found liable for physical damage or personal injury to other. Liability insurance provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to comp and collision, so drivers should buy more than the minimum limits required by law.
• Being married can save you money – Having a wife or husband can actually save you money compared to being single. Marriage may mean you are more mature and responsible and statistics show married drivers tend to have fewer serious accidents.

When to get professional advice

When buying coverage, there is no cookie cutter policy. Each situation is unique.

Here are some questions about coverages that might help in determining if your insurance needs would benefit from professional advice.

• I have a DUI can I still get coverage?
• Is a blown tire covered by insurance?
• Do I need roadside assistance coverage?
• Am I covered if I break a side mirror?
• Are my friends covered when driving my car?
• How can I find cheaper teen driver insurance?
• Should I file a claim if it’s only slightly more than my deductible?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Coverages available on your policy

Understanding the coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as crashing into a ditch, damaging your car on a curb, backing into a parked car and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Chevy Blazer.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like rehabilitation expenses, hospital visits, funeral costs and surgery. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive protection

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from flooding, damage from a tornado or hurricane, rock chips in glass, hitting a bird and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability coverage

Liability coverage provides protection from damage or injury you incur to other’s property or people. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as attorney fees, legal defense fees and medical services. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Make a quick buck

As you restructure your insurance plan, it’s not a good idea to buy poor coverage just to save money. In too many instances, an insured cut physical damage coverage to discover at claim time that the savings was not a smart move. Your goal is to get the best coverage possible at the best possible price, but do not skimp to save money.

Throughout this article, we presented many tips how you can save on 1991 Chevy Blazer insurance. It’s most important to understand that the more companies you get prices for, the better chance you’ll have of finding affordable insurance. Drivers may discover the most savings is with a smaller regional carrier.

Cost effective 1991 Chevy Blazer insurance can be found both online and from local insurance agents, so get free insurance quotes from both of them to get a complete price analysis. There are still a few companies who do not provide the ability to get quotes online and these small insurance companies only sell through independent insurance agents.

Additional learning opportunities

• What is Full Coverage? (Allstate)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• What is Covered by GAP Insurance? (Allstate)
• Think You’re a Safe Driver? (State Farm)