View 1993 Chevrolet Blazer Insurance Quotes

Trying to find better auto insurance rates for your Chevrolet Blazer? Overpriced auto insurance can empty your checking account and force you to make sacrifices. Comparing rates annually is free, only takes a few minutes, and is a good way to ensure you are getting the best deal.

People have many car insurance companies to pick from, and although it’s a good thing to be able to choose, more choices can make it harder to locate the cheapest rates.

Lower-cost auto insurance quotes with discounts

Companies offering auto insurance don’t necessarily list every available discount very clearly, so the list below details some of the more common and the more hidden discounts that you may qualify for. If you’re not getting every credit you qualify for, you could be getting lower rates.

  • Multiple Policy Discount – If you insure your home and vehicles and insure them with the same company you could save over 10 percent off each policy depending on the company.
  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class in school.
  • Early Switch Discount – Some auto insurance companies provide a discount for buying a policy prior to your current policy expiring. Ten percent is about the average savings.
  • Homeowners Discount – Simply owning a home may trigger a policy discount on auto insurance since home ownership shows financial diligence.
  • Low Mileage Discounts – Maintaining low annual mileage can qualify you for cheaper rates.
  • Anti-theft System – Cars, trucks, and SUVs that have factory anti-theft systems help deter theft so companies will give you a small discount.
  • Safe Driver Discounts – Accident-free drivers can save as much as half off their rates on Blazer insurance than drivers with accidents.

It’s important to understand that some credits don’t apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, you won’t be that lucky.

To locate providers that offer the discounts shown above, follow this link.

How to buy insurance online

Most larger insurance companies such as Allstate and Progressive give prices on the web. Doing online price comparisons is easy for anyone as you just enter your required coverages into the quote form. After you complete the form, their quoting system requests your driving and credit reports and returns pricing information based on the information you submitted. Online price estimates makes it simple to compare prices but the time it takes to visit different websites and complete many quote forms gets old quite quickly. But it’s also necessary to get many rate quotes in order to find the best price on insurance.

There is a better way!

The preferred way to locate the lowest prices uses one form that obtains quotes from many companies. It’s a real time-saver, requires much less work on your part, and makes online price comparison much simpler. After sending the form, it is rated with multiple companies and you can pick your choice of the price quotes you receive. If the quotes result in lower rates, you can click and sign and purchase the new policy. The entire process can be completed in less than 10 minutes and may result in a nice savings.

If you want to find out how much you can save on insurance, click here to open in a new tab and begin entering your coverage information. If you currently have coverage, we recommend you complete the form with the coverage information exactly as they are listed on your policy. This helps ensure you will have rate quotes for exact coverage.

Insurance premiums are influenced by these factors

The best way to find cheaper insurance is to take a look at some of the elements that are used to determine your insurance rates. If you understand what controls the rates you pay, this enables you to make decisions that may result in better insurance rates. Many different elements are considered when you get a price on insurance. A few of the factors are predictable such as your driving history, but others are more transparent such as your marital status or your vehicle rating.

Listed below are a partial list of the pieces utilized by car insurance companies to help set your rate level.

  • Gender and insurance premiums – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. The data does not necessarily mean that women are better drivers. Females and males tend to get into auto accidents at a similar rate, but the males have accidents that have higher claims. Men also get more serious tickets like driving under the influence (DUI).
  • The higher your credit history the lower your rates – An insured’s credit rating can be an important factor in your rate calculation. Therefore, if your credit rating could use some work, you could save money insuring your 1993 Chevrolet Blazer by spending a little time repairing your credit. Consumers who have very high credit ratings tend to be more responsible and file fewer claims than drivers who have poor credit.
  • Maintain insurance coverage – Going without insurance is a quick way to drive up your policy premiums. In addition to paying higher rates, not being able to provide proof of insurance will get you fines and jail time. You may need to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Frequent claims will cost more – Companies award the lowest premiums to insureds who file claims infrequently. If you are a frequent claim filer, you can look forward to much higher rates or policy non-renewal. Insurance coverage is intended to be relied upon for claims that you cannot pay yourself.
  • Cars with good safety ratings means cheaper premiums – Safe vehicles are cheaper to insure. Vehicles engineered for safety result in less severe injuries and better occupant protection means lower claim amounts which can result in lower premiums.
  • Don’t get traffic citations – Whether or not you get tickets has a lot to do with how much you pay for insurance. Getting just one chargable violation may cause rates to rise twenty percent or more. Careful drivers pay less for auto insurance than their less careful counterparts. People who have dangerous violations like reckless driving or DUI are required to submit a SR-22 form with the DMV in their state in order to prevent their license from being revoked.
  • Bundle policies and save – Most major insurance companies allow discounts to buyers that have more than one policy such as combining an auto and homeowners policy. Even if you qualify for this discount already, you still need to compare other company rates to help ensure you have the lowest rates. It’s possible to still find a better deal by splitting coverages up.

Tailor your insurance coverage to you

When it comes to choosing the best insurance coverage for your vehicles, there is no “perfect” insurance plan. Every insured’s situation is different so this has to be addressed. These are some specific questions could help you determine whether you will benefit from professional help.

  • How does medical payments coverage work?
  • Should I buy only the required minimum liability coverage?
  • Do I need roadside assistance coverage?
  • Which companies will insure high-risk drivers?
  • Do I have coverage when using my vehicle for my home business?
  • Why am I required to buy high-risk coverage?
  • Can I make deliveries for my home business?
  • Why am I required to get a high-risk car insurance policy?
  • Do I benefit by insuring my home with the same company?
  • How much liability do I need to cover my assets?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Can switching companies really save?

Drivers get pounded daily by advertisements that claim the best rates by Allstate and Progressive. They all state the claim that people will save just by moving your coverage.

How does every company offer you a better deal? Here is how they do it.

All companies are able to cherry pick for the driver that is profitable for them. One example of a driver they prefer might be described as married and over the age of 30, has no prior claims, and drives newer vehicles. Any driver who meets those qualifications will probably get the lowest auto insurance rates and most likely will cut their rates if they switch.

Drivers who do not meet this ideal profile will be quoted higher premiums and this results in business not being written. If you listen to the ad wording, they say “people that switch” but not “everyone who gets a quote” save that kind of money. This is how insurance companies can make the claims of big savings. Each company has different criteria, so drivers must get a wide range of price quotes. It is just not possible to predict which insurance companies will have the lowest premium rates for your situation.

Coverages available on your car insurance policy

Understanding the coverages of a car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages available from car insurance companies.

Coverage for liability

Liability coverage protects you from damages or injuries you inflict on a person or their property that is your fault. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

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. You commonly see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as court costs, attorney fees, emergency aid, funeral expenses and medical services. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like fire damage, theft and hitting a deer. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense insurance

Med pay and PIP coverage kick in for immediate expenses for things like rehabilitation expenses, doctor visits, funeral costs, nursing services and ambulance fees. They can be used in conjunction with a health insurance program or if you do not have health coverage. It covers you and your occupants as well as getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your 1993 Chevy Blazer.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Coverage for collisions

Collision insurance pays for damage to your Blazer resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like backing into a parked car, crashing into a ditch, rolling your car, scraping a guard rail and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

You can do this!

While you’re price shopping online, it’s not a good idea to sacrifice coverage to reduce premiums. In many instances, someone dropped liability coverage limits only to find out that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy the best coverage you can find for the lowest cost, but do not sacrifice coverage to save money.

Throughout this article, we presented a lot of tips how to reduce 1993 Chevy Blazer insurance car insurance rates online. The most important thing to understand is the more times you quote, the higher your chance of finding cheap car insurance. You may be surprised to find that the lowest car insurance rates come from a lesser-known regional company. Regional companies may have significantly lower premium rates on certain market segments as compared to the big name companies such as Geico and State Farm.

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