How Much Does 1992 Chevrolet Blazer Insurance Cost?

Searching for lower insurance coverage rates for your Chevrolet Blazer? Locating low-cost insurance for a Chevy Blazer can turn out to be a lot of work, but you can follow these tips to make it easier. There is a right way and a wrong way to shop for insurance coverage so you’re going to learn the best way to compare rates for a Chevy and obtain the lowest possible price.

Where can I get cheap insurance coverage?

Getting a cheaper price on 1992 Chevy Blazer insurance is pretty simple and can save money. All you need to do is take a couple of minutes to compare free car insurance quotes to find out which insurance company has inexpensive car insurance quotes. Price comparisons can be done using one of these methods.

  1. One of the fastest ways to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This style of form saves time by eliminating separate quotes for each company you want a rate for. Filling out one form will return quotes instantly. This is by far the quickest method.
  2. Another way to analyze rates requires visiting the website of each company and repeat the quote process again and again. For sake of this example, we’ll assume you want to get rates from Farmers, Geico and Progressive. In order to compare rates, you need to spend time on each company’s site and repeatedly type in your coverage information, which can get rather old.

    For a list of links to insurance companies in your area, click here.

Which method you use is up to you, but double check that you are using apples-to-apples quote information with every price quote. If the quotes have different data you will not be able to determine which company has the best rates.

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Take advantage of every insurance coverage discount

Some insurance providers don’t always publicize every possible discount very well, so the list below gives a summary of some of the best known as well as some of the hidden credits that you can use to lower your rates.

  • Student in College – Older children who live away from home to go to college and do not have a car may be insured at a cheaper rate.
  • Driving Data Discount – Insureds that choose to allow driving data collection to look at where and when they drive by using a telematics device like Drivewise from Allstate or In-Drive from State Farm may see discounts if their driving habits are good.
  • Organization Discounts – Joining certain professional organizations could earn you a nice discount on your next renewal.
  • Multiple Policy Discount – If you can combine your homeowners and auto policy with the same company you will save 10% to 20% off each policy.
  • Buy New and Save – Putting insurance on a new car can save up to 30% since newer models have better safety ratings.
  • Discounts for Responsible Drivers – Insureds without accidents can save up to 40% or more on their car insurance quote on Blazer coverage than drivers with accident claims.
  • Discount for Swiching Early – Select companies give a discount for switching policies before your current expiration date. This can save 10% or more.
  • Theft Deterent Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen less frequently and will qualify for a discount on a car insurance quote.
  • Include Life Insurance and Save – Not all companies offer life insurance, but some may give you a break if you buy a life insurance policy as well.

One last thing about discounts, most discount credits are not given to your bottom line cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that you could get a free insurance coverage policy, that’s just not realistic.

The best insurance coverage companies and a selection of discounts are shown below.

  • State Farm includes discounts for defensive driving training, accident-free, good driver, anti-theft, passive restraint, and driver’s education.
  • Progressive may have discounts that include good student, online signing, multi-policy, online quote discount, and homeowner.
  • Travelers policyholders can earn discounts including save driver, new car, hybrid/electric vehicle, early quote, IntelliDrive, home ownership, and driver training.
  • American Family offers discounts including good student, defensive driver, Steer into Savings, TimeAway discount, and mySafetyValet.
  • Liberty Mutual offers premium reductions for new vehicle discount, exclusive group savings, newly married, new move discount, and new graduate.

When quoting, ask every company which discounts can lower your rates. Some of the discounts discussed earlier may not be available in your area. To see insurers that offer some of these discounts, follow this link.

How to know if you need help

When it comes to buying adequate coverage, there isn’t really a best way to insure your cars. Each situation is unique.

For instance, these questions can aid in determining whether or not you would benefit from an agent’s advice.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Are there companies who specialize in insuring high-risk drivers?
  • Should I waive the damage coverage when renting a car?
  • Do I need replacement cost coverage on my 1992 Chevy Blazer?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Can my teen drive my company car?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage information

Knowing the specifics of auto insurance aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Collision coverage

This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as colliding with a tree, sideswiping another vehicle, hitting a mailbox, sustaining damage from a pot hole and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive insurance

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 coverage protects against claims such as hitting a bird, fire damage, vandalism, damage from a tornado or hurricane and damage from getting keyed. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Chevy Blazer.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like surgery, pain medications, dental work and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Liability insurance

This protects you from damage or injury you incur to people or other property that is your fault. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for claims such as bail bonds, court costs, repair costs for stationary objects and emergency aid. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

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