1996 Chevrolet Blazer Insurance Rates – 8 Ways to Save

Having to pay for pricey auto insurance can deplete your monthly budget, especially in this economy. Comparison shopping is a great way to cut your insurance bill.

Lots of insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies and uncover the absolute best price available.

If you are insured now or are shopping for new coverage, you can use these tips to get lower rates while maximizing coverage. Finding affordable coverage is not rocket science. Vehicle owners just need to learn the proper methods to get comparison rates online.

Affordable auto insurance quotes with discounts

Some providers don’t always publicize all disounts very clearly, so the following is a list of both the well known and also the more inconspicuous credits that may apply to you.

  • 55 and Retired – Drivers over the age of 55 can possibly qualify for a small discount on rates on Blazer insurance.
  • Defensive Driving Course – Completing a safe driver class could earn you a small percentage discount and easily recoup the cost of the course.
  • Discounts for Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Blazer insurance depending on your auto insurance provider.
  • Student in College – Any of your kids living away from home attending college and leave their car at home may qualify for this discount.
  • Telematics Discount – Policyholders that allow their company to spy on their driving habits by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate may see discounts if they show good driving skills.
  • New Car Discount – Insuring a new car is cheaper since newer vehicles have better safety ratings.
  • Driver’s Ed – It’s a good idea to have your young drivers participate in a local driver’s education class as it will make them better drivers and lower rates.
  • Seat Belt Usage – Drivers who require all occupants to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.

Consumers should know that most discounts do not apply to the entire cost. Most only reduce specific coverage prices like medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, you won’t be that lucky.

To see a list of insurers that offer some of these discounts, click here to view.

Tailor your car insurance coverage to you

When buying coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions could help you determine whether you would benefit from an agent’s advice.

  • Am I covered when driving on a suspended license?
  • Are there companies who specialize in insuring high-risk drivers?
  • Where can I find DUI or SR-22 insurance?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • When would I need rental car insurance?
  • How can I find cheaper teen driver insurance?
  • When would I need additional glass coverage?
  • Are rock chip repairs covered?

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 don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Beware of misleading insurance coverage ads

Drivers can’t get away from ads that promise big savings by companies like Geico, State Farm and Progressive. They all seem to convey the message of big savings just by moving your insurance coverage coverage to their company.

How does every company offer you a better deal? It’s all in the words they use.

Insurance providers quote their best rates for the type of customer that makes them money. For example, this type of insured might have to be between the ages of 40 and 55, has a clean driving record, and drives newer vehicles. Anybody who fits those characteristics will get low rates and will also save quite a bit of money when switching.

Consumers who fall outside these standards will get higher premiums which translates to the driver buying from a lower-cost company. The wording the ads use say “drivers who switch” but not “everyone who gets a quote” can get the lowest rates when switching. That is how insurance companies can lure you into getting a quote.

Because of the profiling, it is so important to quote coverage with many companies. It’s impossible to know which company will provide the lowest premium rates.

Insurance policy specifics

Understanding the coverages of insurance aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages found on the average insurance policy.

Comprehensive or Other Than Collision – This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like rock chips in glass, hitting a deer and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage – Collision coverage covers damage to your Blazer resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like sideswiping another vehicle, colliding with a tree, rolling your car and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Chevy Blazer.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Auto liability insurance – This coverage can cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like funeral expenses, emergency aid, medical expenses and repair costs for stationary objects. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for immediate expenses like dental work, surgery, pain medications and prosthetic devices. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Spend less. Save more.

More affordable insurance coverage is definitely available both online and from local insurance agents, so you should compare both to have the best rate selection. There are still a few companies who do not offer online rate quotes and many times these regional insurance providers provide coverage only through independent agents.

When trying to cut insurance costs, make sure you don’t buy poor coverage just to save money. In many cases, someone sacrificed full coverage only to regret they didn’t purchase enough coverage. Your strategy should be to purchase plenty of coverage at a price you can afford but still have enough coverage for asset protection.

You just learned a lot of tips how to save on 1996 Chevy Blazer insurance. It’s most important to understand that the more companies you get rates for, the higher your chance of finding the cheapest car insurance. You may even discover the lowest prices are with a small mutual company. These smaller insurers may cover specific market segments cheaper than their larger competitors like Allstate or State Farm.

Additional insurance coverage information is available below: