Lower Your 1995 Chevrolet Blazer Car Insurance Rates

Looking for lower insurance coverage rates for your Chevrolet Blazer? Are you a victim of high-priced insurance coverage? Believe me when I say there are lots of residents who feel the same. Due to the abundance of options when it comes to insurance coverage, it can be challenging to find the lowest cost insurance company.

You should make it a habit to quote other rates once or twice a year because insurance coverage prices are variable and change quite frequently. Despite the fact that you may have had the lowest rates on Blazer insurance at your last renewal you can probably find a lower rate today. Forget all the misinformation about insurance coverage because I’m going to teach you the best methods to find better rates and still maintain coverage.

Compare free auto insurance quotes

Finding more affordable auto insurance rates can be relatively painless. You just have to take a couple of minutes to compare rate quotes from some recommended companies. This can easily be done in a couple of different ways.

  1. Probably the best way to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This method keeps you from doing separate quote forms to each individual auto insurance company. Taking the time to complete one form will return price quotes from multiple low-cost companies.
  2. A harder way to find lower rates is going to each individual company website and go through the quote process again. For examples sake, let’s say you want to compare rates from Liberty Mutual, 21st Century and American Family. In order to get each rate, you would have to visit each site to enter the same coverage data repeatedly, which is not fast way to get rate quotes. For a list of companies in your area, click here.

Which method you use is up to you, but double check that you are using apples-to-apples coverage information on every quote. If your comparisons have different limits and deductibles on each one you can’t possibly get a fair rate comparison.

More affordable rates by taking advantage of discounts

The cost of insuring your cars can be expensive, but there may be some discounts to help offset the cost. Some trigger automatically at the time of quoting, but a few must be asked about prior to getting the savings. If you don’t get every credit you qualify for, you are not getting the best rate possible.

  • Air Bags and Passive Restraints – Factory air bags could see savings up to 30%.
  • Accident-Free Discounts – Claim-free drivers get the best auto insurance rates in comparison to policyholders that have many claims.
  • Distant Student – Older children who are enrolled in higher education away from home and won’t have access to an insured vehicle can be insured at a reduced rate.
  • Student Discount for Driver Training – Cut your cost by having your teen driver participate in a local driver’s education class as it can save substantially.
  • Senior Citizens – If you qualify as a senior citizen, you may be able to get better auto insurance rates on Blazer insurance.
  • Low Mileage Discounts – Fewer annual miles on your Chevy may allow you to get slightly better auto insurancerates than normal.
  • Home Ownership Discount – Simply owning a home can save you money because it is proof of financial responsibility.
  • Life Insurance Discount – Larger auto insurance companies have a small discount if you purchase some life insurance too.
  • Braking Control Discount – Vehicles equipped with ABS or steering control are much safer to drive and therefore earn up to a 10% discount.

One last thing about discounts, many deductions do not apply the the whole policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, nobody gets a free ride. But any discount will definitely lower the premium cost.

For a list of insurance companies that offer some of these discounts, click here to view.

How much auto insurance do I need?

When buying adequate coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that These are some specific questions could help you determine whether you might need professional guidance.

  • Is my trailer covered?
  • Does liability extend to a camper or trailer?
  • What is the rate difference between pleasure use and commuting?
  • What can I do if my company won’t pay a claim?
  • Is my 1995 Chevy Blazer covered for flood damage?
  • What are the best liability limits?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Car insurance coverage specifics

Knowing the specifics of your car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. These are typical coverages found on the average car insurance policy.

Liability

Liability coverage can cover damage or injury you incur to a person or their property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as loss of income, pain and suffering, structural damage and bail bonds. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like doctor visits, nursing services, ambulance fees and EMT expenses. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Chevy Blazer.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually these limits are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hitting a deer, rock chips in glass, damage from flooding, damage from a tornado or hurricane and theft. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision insurance

Collision insurance will pay to fix damage to your Blazer resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as hitting a parking meter, damaging your car on a curb and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Have money to burn

The cheapest 1995 Chevy Blazer insurance can be sourced from both online companies in addition to local insurance agencies, so get free car insurance quotes from both of them to have the best rate selection. Some companies do not offer internet price quotes and many times these smaller providers work with local independent agencies.

You just read a lot of tips how to shop for 1995 Chevy Blazer insurance online. The key thing to remember is the more times you quote, the higher your chance of finding cheaper car insurance. Consumers may even find the most savings is with a small local company. Some small companies may have significantly lower prices on certain market segments than their larger competitors like Progressive and GEICO.

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