Lower Your 1998 Chevrolet Blazer Insurance Cost

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.

Low cost insurance coverage price quotes online

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.

Double check you’re getting these discounts

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.

  • Drive Less and Save – Low annual miles may enable drivers to earn cheaper rates.
  • Auto/Home Discount – If you insure your home and vehicles and insure them with the same company you could earn a discount of at least 10% off all policies.
  • More Vehicles More Savings – Buying coverage for several vehicles on one policy may reduce the rate for each vehicle.
  • No Charge for an Accident – This isn’t a discount exactly, but some insurance companies will allow you to have one accident before raising your premiums if you are claim-free for a set time period.
  • Student Discounts – Performing well in school can be rewarded with saving of up to 25%. Most companies allow this discount well after school through age 25.

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.

Special considerations

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.

  • What can I do if my company won’t pay a claim?
  • Am I covered if my car is in a flood?
  • Is business property covered if stolen from my car?
  • Do I have newly-aquired coverage?
  • What discounts do I qualify for?
  • Am I covered by my spouse’s policy after a separation?

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.

Chevy Blazer insurance premiums can be cheaper

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.

  • Costs impacted by vehicle usage – The more miles you rack up on your Chevy in a year’s time the more you’ll pay to insure it. Almost all companies apply a rate based upon how the vehicle is primarily used. Vehicles left parked in the garage get more affordable rates compared to those used for work or business. An incorrectly rated Blazer can cost quite a bit. It’s a smart idea to ensure your policy correctly shows the right rating data, because it can save money.
  • Safety ratings are a factor – Cars with high safety ratings tend to be cheaper to insure. Vehicles engineered for safety reduce occupant injuries and lower rates of occupant injuries means less claims paid and lower rates for you. If your Chevy is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
  • More than one policy can earn a discount – Most larger companies give a discount for people that purchase more than one policy, otherwise known as a multi-policy discount. Even with this discount applied, drivers will still want to compare rates to help guarantee you have the best rates. You may still be able to save even more than the discount by buying insurance from more than one company.
  • Liability – The liability coverage on your policy will protect you if you are found liable for damages caused by your negligence. Liability insurance provides legal defense which can be incredibly expensive. This coverage is very inexpensive compared to comp and collision, so drivers should buy more than the minimum limits required by law.
  • Responsible drivers pay better rates – Good drivers get better rates as compared to those with violations. Getting just one moving violation can increase rates twenty percent or more. Drivers who have received dangerous citations like reckless driving or DUI may need to submit a SR-22 form with their state in order to keep their license.
  • Policy add-ons can waste money – There are a ton of extra add-on coverages you can purchase if you aren’t careful. Insurance for things like rental car coverage, towing, and term life insurance are probably not needed. They may sound like good ideas when talking to your agent, but if they’re wasting money get rid of them and save.
  • Guys tend to take more risk – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. It does not mean men are worse drivers. Males and females cause fender benders in similar percentages, but the males cause more damage. Not only are claims higher, but men get higher numbers of serious violations like DWI (DUI) or reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and therefore are the most expensive to insure.

Insurance specifics

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.

Comprehensive insurance

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.

Collision insurance

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

Shop Smart and Save

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.

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