1997 Chevrolet Blazer Insurance Quotes

Finding discount insurance might seem difficult for drivers that are relatively new to comparison shopping on the internet. With dozens of insurers to choose from, how are drivers expected to have the ability to compare every company to locate the lowest price?

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Finding the best protection is simple if you know the tricks. Although drivers should learn the way insurance companies price insurance differently and take advantage of how the system works.

Use discounts to get cheaper car insurance quotes

Buying car insurance is not cheap, but you can get discounts that can dramatically reduce your bill. Some trigger automatically when you complete an application, but a few must be requested specifically prior to getting the savings.

  • Multi-policy Discount – If you have multiple policies and place coverage with the same company you will save at least 10 to 15 percent or more.
  • Save with More Vehicles Insured – Insuring all your vehicles on the same car insurance policy could earn a price break for each car.
  • Discounts for Safe Drivers – Drivers who avoid accidents can save up to 40% or more on their insurance quote for Blazer insurance compared to rates paid by drivers with frequent claims.
  • Accident-Free Discounts – Insureds who avoid accidents and claims can save substantially when compared to drivers with a long claim history.
  • Good Student Discount – Maintaining excellent grades could provide a savings of up to 20% or more. You can use this discount normally well after school through age 25.
  • Homeowners Pay Less – Owning a house can save you money because maintaining a house is proof that your finances are in order.
  • Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase some life insurance too.
  • Paper-free Discount – Some insurance companies give back up to $50 for buying a policy and signing up on your computer.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the entire policy premium. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, car insurance companies aren’t that generous. But any discount will positively reduce your car insurance premiums.

A list of companies and a selection of discounts are detailed below.

  • Geico offers premium reductions for air bags, multi-vehicle, membership and employees, anti-theft, federal employee, daytime running lights, and emergency military deployment.
  • USAA may include discounts for multi-policy, annual mileage, family discount, loyalty savings, military installation, and new vehicle.
  • Progressive may offer discounts for online quote discount, continuous coverage, homeowner, multi-vehicle, online signing, good student, and multi-policy.
  • American Family discounts include TimeAway discount, accident-free, mySafetyValet, air bags, bundled insurance, defensive driver, and Steer into Savings.
  • Esurance has discounts for safety device, multi-policy, Pac-12 alumni, multi-car, and DriveSense.
  • Farmers Insurance offers discounts for distant student, pay in full, good student, bundle discounts, multi-car, and teen driver.
  • State Farm offers discounts including good student, multiple policy, driver’s education, Drive Safe & Save, passive restraint, and student away at school.

When getting free insurance quotes, it’s a good idea to all the companies which discounts can lower your rates. Some discounts listed above may not apply to policyholders in your area. To see insurers offering car insurance discounts, click here to view.

Insurance rates are influenced by these factors

Lots of factors are taken into consideration when premium rates are determined. Some are obvious such as your driving history, but some are more obscure such as your marital status or your vehicle rating.

  • Your age impacts your rates – Drivers with little experience are known to be less responsible when behind the wheel so they pay higher insurance coverage rates. Adding a beginning driver to your policy can break the bank. More mature drivers are shown to be more cautious, are lower risk to insure , and usually have better credit.
  • Drive less and pay lower prices – The higher the miles on your Chevy each year the more it will cost to insure it. A lot of insurance companies price each vehicle’s coverage based on how the vehicle is used. Vehicles that are left in the garage receive better premium rates than those that get driven frequently. Verify your vehicle rating reflects the correct usage for each vehicle, because improper ratings can cost you money. Incorrect rating for your Blazer is just wasting money.
  • Consider raising deductibles – Comp and collision deductibles tell how much you are willing to pay before a claim is paid by your company. Physical damage protection, also known as collision and other-than-collision, is used to repair damage to your car. Some coverage claims are rearending another vehicle, hail damage, or theft of your vehicle. The more money the insured has to pay upfront, the less your company will charge you for insurance for Blazer insurance.
  • Lower stress equals lower insurance coverage rates – Occupations such as military generals, architects and miners generally pay the highest rates because of intense work requirements and long work days. Other occupations such as professors, historians and performers pay lower than average rates for Blazer insurance.
  • Liability coverage limits should be high – A critical coverage on your policy, liability insurance will afford coverage in the event that a court rules you are at fault for personal injury or accident damage. It provides legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.

Tailor your auto insurance coverage to you

When it comes to buying proper insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions might point out whether you would benefit from professional advice.

  • Should I have a commercial auto policy?
  • If my 1997 Chevy Blazer is totaled, can I afford another vehicle?
  • Do I have coverage when making deliveries for my home business?
  • Is my Chevy Blazer covered if I use it for business?
  • Can I still get insurance after a DUI?
  • Should I buy additional glass protection?
  • Is my state a no-fault state?
  • Do I have coverage when using my vehicle for my home business?
  • Will I lose any money if I cancel my policy before it expires?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form.

The largest companies are not always cheapest

Well-known insurance coverage companies like Allstate and Progressive seem to constantly run ads on TV and radio. They all seem to advertise claims that you can save if you move your coverage to them. How do they all lower your car insurance rates? It’s all in the numbers.

Insurance providers have strict underwriting profiles for the type of customer that is profitable for them. One example of a preferred risk might be between the ages of 40 and 55, has never had a claim, and has excellent credit. Any person who fits that profile will probably get cheap premium rates and therefore will save if they switch.

Insureds who are not a match for the ideal profile must pay a more expensive rate with the end result being business not being written. The ads state “customers that switch” not “everybody who quotes” save that kind of money. That’s the way companies can truthfully make the claims of big savings.

That is why it is so important to quote coverage with many companies. It’s not possible to predict with any certainty which company will give you lower rates than your current company.

Coverage specifics

Having a good grasp of your car insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive auto coverage

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hitting a deer, rock chips in glass, theft and a broken windshield. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for liability

This coverage will cover damages or injuries you inflict on other people or property. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers things such as funeral expenses, emergency aid, bail bonds, medical services and pain and suffering. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

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 important protection for you and your family. Most of the time the UM/UIM limits are set the same as your liablity limits.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as ambulance fees, X-ray expenses, rehabilitation expenses and funeral costs. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Auto collision coverage

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

Collision insurance covers claims such as damaging your car on a curb, hitting a parking meter, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

The best insurance company isn’t always the cheapest

Insureds change insurance companies for a variety of reasons including policy non-renewal, lack of trust in their agent, being labeled a high risk driver and even delays in responding to claim requests. Whatever your reason, switching insurance companies is easier than you think.

We just showed you many tips how you can lower your 1997 Chevy Blazer insurance rates. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding low cost insurance. You may even discover the lowest rates are with the least-expected company.

When you buy insurance online, do not buy less coverage just to save a little money. In many instances, an accident victim reduced full coverage only to find out that the small savings ended up costing them much more. Your goal is to buy the best coverage you can find for the lowest cost and still be able to protect your assets.

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