Compare 1998 Chevrolet Blazer Car Insurance Quotes

Finding the cheapest insurance for a new or used Chevy Blazer can normally be a painful process, but you can learn a few tricks to save time.

There are more efficient ways to buy insurance and we’ll show you the quickest way to price shop coverage for a new or used Chevy and locate the best price possible from both online companies and local agents.

It is always a good idea to shop coverage around quite often because rates go up and down regularly. Even if you think you had the lowest premium rates on Blazer insurance last year you will most likely find a better price today. Forget anything you know (or think you know) about insurance because you’re about to find out the quickest way to find great coverage at a great price.

How to lower your car insurance cost

The majority of larger companies allow consumers to get price estimates from their websites. This process is pretty painless as you simply enter your required coverages as detailed in the form. After the form is submitted, the system gets your driving record and credit report and quotes a price.

Online price quotes makes it simple to compare prices but the work required to visit multiple sites and type in your information can get tiresome after awhile. But it’s necessary to have as many quotes as possible if you are searching for the lowest possible prices on car insurance.

There is an easier way!

The smarter way to lower your car insurance bill makes use of a single form that analyzes rates from a lot of companies. The form is fast, requires less work, and makes online shopping much more enjoyable. Immediately after you send the form, it is rated with multiple companies and you can pick any or none of the quotes that you receive.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. The whole process can be completed in a matter of minutes and could lower your rates considerably.

To find out how much you can save on car insurance, click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended you type in the limits and deductibles as close as possible to your current policy. Doing this assures you are getting a fair comparison based on identical coverages.

Don’t overlook these insurance discounts

Insuring your vehicles can cost a lot, but you may find discounts that can dramatically reduce your bill. Some trigger automatically at the time of purchase, but a few need to be asked for prior to getting the savings.

  • Accident Free – Drivers who stay claim-free have much lower rates as opposed to drivers with a long claim history.
  • Distant Student Discount – College-age children who are enrolled in a college that is more than 100 miles from home and do not have a car could get you a discount.
  • Low Mileage Discounts – Low mileage vehicles could be rewarded with substantially lower premium rates.
  • Discounts for Cautious Drivers – Drivers who avoid accidents may save up to 50% more on Blazer insurance than less cautious drivers.
  • Senior Citizen Rates – Older drivers may receive better insurance rates on Blazer insurance.
  • Home Ownership Discount – Owning a home may earn you a small savings since owning and maintaining a home requires personal responsibility.
  • Multi-Vehicle Discounts – Buying coverage for multiple cars on one policy may reduce the rate for each vehicle.
  • First Accident Forgiveness – This isn’t a discount exactly, but a handful of insurance companies permit an accident without the usual rate increase so long as you haven’t had any claims before the accident.

A little note about advertised discounts, many deductions do not apply to the entire policy premium. Some only reduce individual premiums such as liability and collision coverage. Even though it appears it’s possible to get free car insurance, companies wouldn’t make money that way.

A few companies that may offer quotes with most of the discounts above are:

When getting a coverage quote, ask every insurance company which discounts you may be entitled to. A few discounts may not apply everywhere. If you would like to choose from a list of insurers that have a full spectrum of discounts, follow this link.

When to get professional advice

When it comes to choosing the right insurance coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight if your insurance needs would benefit from an agent’s advice.

  • Am I covered when driving on a suspended license?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I have coverage when using my vehicle for my home business?
  • How does medical payments coverage work?
  • Can I rent a car in Mexico?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Why you might pay increased rates

Consumers need to have an understanding of some of the elements that go into determining the price you pay for car insurance. When consumers understand what positively or negatively impacts your premiums, this helps enable you to make changes that could result in lower car insurance prices. Lots of factors are considered when you get a price on insurance. Some of the criteria are obvious like your driving record, although others are not quite as obvious such as your marital status or your vehicle rating.

  • Save money with good credit – Having a good credit history can be a huge factor in determining what you pay for car insurance. If your credit is low, you could potentially save money when insuring your 1998 Chevrolet Blazer by improving your rating. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers who have lower credit ratings.
  • City traffic equals higher premiums – Having an address in areas with lower population is a good thing when talking about car insurance. Lower population means fewer accidents as well as less vandalism and auto theft. City drivers tend to have congested traffic and much longer commute distances. The longer drive time means higher likelihood of an accident.
  • Liability coverage – The liability section of your policy is the protection when you are responsible for damages from an accident. This coverage provides for a legal defense up to the limits shown on your policy. Liability insurance is pretty cheap compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Bundle policies and save – The majority of insurance companies afford lower prices to people who buy several policies from them such as combining an auto and homeowners policy. The amount of the discounts can be as much as ten percent or more If you currently are using one company, you may still want to compare other company rates to help ensure you have the lowest rates. It’s possible to still find lower rates by buying insurance from more than one company.
  • No claims equals cheap premiums – Auto insurance companies award the best rates to people that do not abuse their auto insurance. If you tend to file frequent claims, you can look forward to much higher rates or policy non-renewal. Your car insurance is intended for the large, substantial claims.
  • Do males or females drive better? – Over the last 30 years, statistics show that females take fewer risks when driving. However, don’t assume that males are worse at driving than females. Both sexes get in auto accidents in similar percentages, but men have costlier accidents. Not only are claims higher, but men receive more major tickets like reckless driving and DUI.
  • A lpolicy lapse is a bad thing – Allowing your car insurance policy to lapse can be a quick way to bump up your car insurance costs. Not only will rates go up, the inability to provide proof of insurance may result in a steep fine or even jail time.

Insurance savings promises

Consumers can’t get away from ads that claim the lowest prices by 21st Century, Allstate and State Farm. They all seem to say the same thing that you’ll save big after switching to their company.

But how can every company have lower policy pricing? This is the way they can do it.

All companies give the cheapest rates for the type of driver that earns them the highest profit. For example, a profitable risk profile may need to be over the age of 35, insures multiple vehicles, and the vehicle is rated for pleasure use. Anybody who fits that profile will probably get cheap premium rates as well as pay quite a bit less when switching companies.

Potential insureds who are not a match for the ideal profile will be quoted a more expensive rate and this results in the customer not purchasing. Company advertisements say “drivers who switch” but not “all drivers who get quotes” can get the lowest rates when switching. This is how insurance companies can confidently make claims like that.

Because each company has a different risk profile, it’s extremely important to compare rate quotes every year. You cannot predict which company will have the best prices for your profile.

The coverage is in the details

Understanding the coverages of auto insurance can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Collision coverage

This coverage pays for damage to your Blazer resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a ditch, scraping a guard rail, damaging your car on a curb and crashing into a building. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as damage to your Chevy Blazer.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for rehabilitation expenses, dental work, nursing services and surgery. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, vandalism and hitting a deer. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability coverages

This provides protection from damages or injuries you inflict on people or other property. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

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. As an example, you may have policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like bail bonds, emergency aid and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Stretch your dollar

There are still a few companies who may not have the ability to get quotes online and usually these smaller companies only sell coverage through local independent agencies. Cheaper car insurance can be sourced online and also from your neighborhood agents, so compare prices from both to get a complete price analysis.

As you quote car insurance, it’s very important that you do not reduce coverage to reduce premium. There have been many cases where drivers have reduced uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. Your goal is to purchase a proper amount of coverage at the best cost, not the least amount of coverage.

Insureds who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, lack of trust in their agent, not issuing a premium refund or poor customer service. Whatever your reason, finding a new company is less work than it seems.

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