How Much Does 1999 Chevrolet Blazer Insurance Cost?

Trying to find cheaper auto insurance rates for your Chevrolet Blazer? There isn’t a single person who rejoices having to buy auto insurance, especially when they know they are paying too much.

Due to the fact that there are so many online and local companies to choose from, it is hard for the average consumer to pick a more affordable company.

It’s a great practice to get comparison quotes once or twice a year because prices are usually higher with each renewal. Despite the fact that you may have had the best price on Blazer insurance a couple years back other companies may now be cheaper. There is too much inaccurate information about auto insurance on the web, but in just a couple of minutes you can learn some guaranteed methods to slash your auto insurance rates.

Finding affordable coverage is quite easy. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this strategy. Although vehicle owners need to learn the way companies sell insurance online because it can help you find the best coverage.

How to compare free insurance coverage rate quotes

To find inexpensive insurance coverage quotes, there are several ways of comparing price quotes from many insurance coverage companies in your state. The best method to find affordable Chevy Blazer insurance rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in a couple of different ways.

  1. The most efficient way to find low rates would be an industry-wide quote request form click to view form in new window. This easy form keeps you from doing separate quote forms for every prospective company. One simple form gets you price quotes from insurance coverage companies with the best prices.
  2. A slightly less efficient method to get comparison quotes is going to each company website and get a separate price quote. For example, we’ll assume you want comparison quotes from State Farm, Liberty Mutual and Allstate. In order to compare rates, you need to go to every website and enter your policy data, which can get old fast.

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

  3. The least efficient method to get rate quotes is making phone calls or going to each insurance agency near you. The ability to get quotes online has reduced the need for local agents unless you have a need for the professional advice that only an agent can give. Some companies do allow you to obtain prices from the web and still use a local agent.

It’s up to you which method you use, but be sure to compare the same information for every quote you compare. If you are comparing different data it’s not possible to determine the lowest rate for your Chevy Blazer. Quoting even small variations in coverage limits may cause a big price difference. And when comparing insurance coverage rates, know that making a lot of price comparisons increases the change that you will find the best offered rates. Not every company does quotes online, so it’s necessary to compare price quotes from them as well.

Lower rates by qualifying for discounts

Some insurers do not list every discount very clearly, so here is a list some of the more common as well as some of the hidden insurance coverage savings. If you do not check that you are getting every discount available, you’re just leaving money on the table.

  • Auto/Home Discount – If you have multiple policies with the same insurance company you could earn a discount of up to 20% and get you affordable insurance coverage.
  • Resident Student – Youth drivers who are attending college and do not have a car may be able to be covered for less.
  • Data Collection Discounts – Drivers who elect to allow their insurance company to analyze driving patterns remotely such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if their driving habits are good.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles have fewer accidents and therefore earn up to a 10% discount.
  • Payment Method – If you can afford to pay the entire bill rather than paying monthly you could save up to 5%.
  • Active Military Service – Being deployed in the military could mean lower premium rates.
  • Theft Deterent System – Vehicles that have factory anti-theft systems are less likely to be stolen and will save you 10% or more.
  • Online Discount – Many insurance companies will provide an incentive shop insurance coverage on the web.
  • Accident-Free Discounts – Drivers with accident-free driving histories can save substantially in comparison with insureds who have frequent claims or accidents.

A little disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Some only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, you aren’t that lucky.

A list of insurance coverage companies and their possible discounts are outlined below.

  • Farm Bureau offers discounts including driver training, youthful driver, renewal discount, 55 and retired, good student, and safe driver.
  • Liberty Mutual offers discounts for exclusive group savings, teen driver discount, multi-policy, hybrid vehicle, and newly married.
  • State Farm may have discounts that include driver’s education, defensive driving training, multiple autos, good student, multiple policy, and student away at school.
  • Auto-Owners Insurance discounts include anti-theft, safe vehicle, paid in full, student away at school, and mature driver.
  • Geico may offer discounts for air bags, daytime running lights, emergency military deployment, military active duty, and federal employee.
  • SAFECO includes discounts for teen safety rewards, multi-car, teen safe driver, anti-theft, anti-lock brakes, homeowner, and safe driver.

When comparing rates, check with each insurance company which discounts can lower your rates. Some of the earlier mentioned discounts may not apply to policyholders in your area. To see a list of insurance companies with discount rates, click here to view.

How your Blazer insurance rates are determined

Many different elements are considered when premium rates are determined. A few of the factors are predictable like your driving record, although others are more obscure such as whether you are married or your financial responsibility.When buying insurance it’s important to understand some of the things that aid in calculating your premiums. If you have some idea of what influences your rates, this enables informed choices that could result in lower premium levels.

  • Tickets will cost you – Only having one moving violation may cause rates to rise by as much as twenty percent. Drivers with clean records get better rates compared to bad drivers. Drivers who have received flagrant violations like DWI, reckless driving or hit and run convictions are required to complete a SR-22 with their state’s licensing department in order to continue driving.
  • Too many insurance claims will drive prices up – If you tend to file frequent claims, you should expect increased rates or even have your policy non-renewed. Companies award cheaper rates to drivers who do not file claims often. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Prices increase with policy add-ons – There are a lot of optional add-on coverages that you can buy on your insurance policy. Insurance for roadside assistance, accidental death, and extra equipment coverage are examples of these. You may think they are a good idea when buying your policy, but if you don’t need them remove them from your policy.
  • Teenage drivers are expensive to insure – Older drivers are more cautious drivers, tend to cause fewer accidents and receive fewer citations.Beginning drivers have a tendency to get distracted easily when at the wheel of a vehicle so they pay higher insurance rates.
  • Men drivers tend to cost more – Statistics have proven that women are safer drivers than men. However, don’t assume that women are BETTER drivers than men. They both tend to get into fender benders at a similar rate, but the men get into accidents with more damage. Men also get more serious tickets such as DWI and reckless driving.
  • Less chance of injury means lower rates – Safe vehicles tend to be cheaper to insure. These vehicles have better occupant injury protection and lower rates of occupant injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Chevy Blazer has at least four stars on Safercar.gov you are probably receiving a discount.

Insurance is unique, just like you

When it comes to choosing proper insurance coverage, there isn’t really a perfect coverage plan. Every situation is different and your policy should reflect that. For instance, these questions might help in determining whether you will benefit from professional help.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • When should my teen driver be added to my policy?
  • Are rock chip repairs covered?
  • How do I file an SR-22 for a DUI in my state?
  • Should I get collision insurance on every vehicle?
  • Is my babysitter covered when using my vehicle?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance companies in your area.

The coverage is in the details

Understanding the coverages of a auto insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by auto insurance companies.

Comprehensive protection

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as fire damage, a broken windshield and rock chips in glass. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as rehabilitation expenses, doctor visits, pain medications, X-ray expenses and surgery. They are often utilized in addition to your health insurance plan or if you do not have health coverage. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage protection

This coverage pays for damage to your Blazer resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like driving through your garage door, backing into a parked car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Chevy Blazer.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Liability auto insurance

Liability coverage protects you from damage or injury you incur to people or other property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as repair bills for other people’s vehicles, attorney fees, medical services and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Coverage on a shoestring budget

Cheaper auto insurance can be found online in addition to local insurance agencies, and you need to price shop both so you have a total pricing picture. Some insurance companies do not offer the ability to get quotes online and many times these regional insurance providers work with independent agents.

When searching for the cheapest insurance coverage quotes, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where an accident victim reduced liability coverage limits and found out when filing a claim that it was a big mistake. The proper strategy is to get the best coverage possible at the best price and still be able to protect your assets.

We just covered many tips how you can get a better price on 1999 Chevy Blazer insurance. The key concept to understand is the more companies you get prices for, the better likelihood of getting affordable insurance coverage. You may even find the lowest premium rates come from a smaller regional carrier. They can often provide lower prices in certain areas as compared to the big name companies such as Allstate or State Farm.

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