Want lower car insurance rates for your Chevrolet Blazer? Wish you could get out of an expensive car insurance policy? Trust us, many consumers are feeling buyer’s remorse and feel like there’s no way out. Because you have many choices, it can be challenging to find the most cost effective insurer.
Consumers should take time to get comparison quotes every six months since rates go up and down regularly. Despite the fact that you may have had the best deal for Blazer coverage six months ago there may be better deals available now. Ignore everything you know about car insurance because we’re going to demonstrate the tricks you need to know to get good coverage at a lower rate.
The purpose of this post is to familiarize you with how car insurance quotes work. If you have car insurance now, you will most likely be able to save some money using these techniques. Vehicle owners only need an understanding of the best way to shop their coverage around over the internet.
Cutting your insurance coverage rates can be quick and easy. The only requirement is to take time comparing rate quotes provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.
The fastest and easiest way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This type of form prevents you from having to do repetitive form entry to each individual insurance coverage company. A single form compares rates from all major companies.
A more difficult way to analyze rates is going to each company website and fill out their own quote form. For examples sake, let’s say you want to see prices from Nationwide, Allstate and Liberty Mutual. In order to get each rate, you would have to spend time on each company’s site and repeatedly type in your coverage information, which is why first method is reommended. To view a list of companies in your area, click here.
The most difficult method to do your price quoting to insurance agents’ offices. Quoting and buying insurance online eliminates the middleman unless you want the guidance of an agent trained in personal lines coverage. It is possible with some companies get prices online and have a local agent actually service the policy.
Which method you use is up to you, but make sure you compare nearly identical coverages for each quote you get. If your comparisons have different coverage information you can’t possibly truly determine the lowest rate.
Companies do not advertise the complete list of policy discounts very well, so we took the time to find both the well known and the more hidden credits available to you.
As a disclaimer on discounts, many deductions do not apply to the entire cost. A few only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think you can get free auto insurance, companies don’t profit that way.
To locate auto insurance companies that provide some of the discounts listed above, click here to view.
When it comes to buying the best insurance coverage coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different so your insurance needs to address that. For instance, these questions can aid in determining whether your personal situation may require specific advice.
If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.
Lots of factors are part of the equation when pricing auto insurance. Some factors are common sense like your driving record, although others are less obvious such as your credit history or your vehicle rating.
Having a good grasp of your insurance policy can be of help when determining the right coverages for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages found on the average insurance policy.
This pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as hail damage, a tree branch falling on your vehicle, fire damage, falling objects and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Liability auto insurance
Liability coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.
Liability can pay for claims like attorney fees, court costs, bail bonds and structural damage. How much coverage you buy is your choice, but consider buying as large an amount as possible.
This covers damage to your Blazer resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.
Collision insurance covers claims such as rolling your car, colliding with a tree, sustaining damage from a pot hole, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your 1998 Chevy Blazer.
Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally these coverages are set the same as your liablity limits.
Med pay and Personal Injury Protection (PIP)
Med pay and PIP coverage pay for immediate expenses for things like rehabilitation expenses, doctor visits, prosthetic devices, X-ray expenses and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible
You just read a lot of ways to lower your 1998 Chevy Blazer insurance rates. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the best rates are with a smaller regional carrier. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive or GEICO.
As you restructure your insurance plan, do not sacrifice coverage to reduce premiums. In too many instances, drivers have reduced liability limits or collision coverage only to regret that it was a big mistake. Your aim should be to purchase plenty of coverage for the lowest cost while still protecting your assets.
More detailed car insurance information is available in these articles: