1991 Chevrolet Blazer Car Insurance Quotes

Consumers have options when looking for low-cost Chevy Blazer insurance. You can either waste hours contacting agents getting price quotes or leverage the internet to compare rates. There is a right way and a wrong way to shop for insurance so you’re going to learn the quickest way to compare rates on a Chevy and get the cheapest rates.

Finding affordable coverage is not that difficult. If you currently have a car insurance policy, you will most likely be able to save some money using these methods. Drivers only need to know the proper way to get comparison quotes online.

How to lower your car insurance cost

Finding a lower price on 1991 Chevy Blazer insurance can be relatively painless. All you need to do is invest a few minutes to compare rate quotes provided by online insurance companies. Shoppers can get rates by using one of the methods below.

If you are pressed for time, the simplest way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This style of form prevents you from having to do separate forms for each company you want a rate for. Filling out one form will return price quotes from multiple companies. Just one form and you’re done.
A different way to find more affordable insurance is spending the time to visit each company’s website and go through the quote process again. For example, let’s assume you are doing a rate comparison from Progressive, State Farm and Liberty Mutual. To get rate quotes you would need to take the time to go to each site to input your insurance information, and that’s why the first method is more popular.
To view a list of companies in your area, click here.
The last method to price shop rates is physically going to each insurance agency near you. The internet eliminates this option unless you have a need for the peace of mind of a local agency. Some companies do allow you to compare online quotes but purchase the actual policy in an agency.

The approach you take is up to you, just make sure you use the exact same information for every quote you compare. If the quotes have different data then you won’t be able to determine the best price for your Chevy Blazer.

Cheap auto insurance rates with discounts

Auto insurance is not inexpensive, but you might already qualify for some discounts that can drop the cost substantially. A few discounts will be applied when you get a quote, but some must be asked about before they will apply. If you don’t get every credit you deserve, you could be saving more on your auto insurance.

Full Payment Discount – By making one initial payment instead of monthly or quarterly installments you may reduce your total bill.
Discounts for New Vehicles – Putting coverage on a new car can save you some money due to better safety requirements for newer vehicles.
Braking Control Discount – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
Accident Free – Drivers who stay claim-free pay much less when compared with insureds who have frequent claims or accidents.
Senior Citizen Discount – If you’re over the age of 55, you can possibly qualify for a slight reduction on a car insurance quote for Blazer insurance.
Active Military Service – Being deployed with a military unit could trigger a small discount.

You can save money using discounts, but many deductions do not apply to the entire cost. Most only apply to individual premiums such as liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

If you would like to view companies that offer the discounts shown above, click this link.

Tailor your auto insurance coverage to you

When buying proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions can help discover if your situation will benefit from professional help.

How do I file an SR-22 for a DUI in my state?
Am I covered when driving on a suspended license?
What is the rate difference between pleasure use and commuting?
Why do I need rental car insurance?
Will filing a claim cost me more?
Why does it cost so much to insure a teen driver?
Is my teen driver covered when they drive my company car?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and can help protect your family.

Coverage specifics

Knowing the specifics of your insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Liability

Liability insurance provides protection from damages or injuries you inflict on people or other property. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as attorney fees, medical services and court costs. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like X-ray expenses, doctor visits and prosthetic devices. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sustaining damage from a pot hole, backing into a parked car, hitting a mailbox, colliding with another moving vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverage (or Other than Collision)

This covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a broken windshield, fire damage, hitting a bird and falling objects. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.