1990 Chevrolet Blazer Insurance Rates – 8 Tricks for Cheaper Quotes

I can’t think of a single person who likes having to buy car insurance, especially when the price is too high. Many insurance companies vie for your hard-earned dollar, so it’s not easy to compare every insurance company to find the best rates possible.

Consumers need to check car insurance prices occasionally because rates tend to go up over time. Even if you think you had the lowest rates on Blazer coverage on your last policy you may be paying too much now. Forget all the misinformation about car insurance because you’re about to learn the best way to find the best coverage while lowering your premiums.

The easiest way to get rate comparisons is to take advantage of the fact most larger insurance companies actually pay money for the chance to give you rate quotes. The only thing you need to do is provide details such as how much you drive, whether you are single or married, if you went to college, and if you have a valid license. That rating data is instantly sent to many highly-rated insurers and they provide comparison quotes instantly.

Verify you’re getting all your discounts

Car insurance is not cheap, but you may find discounts that you may not even be aware of. Some trigger automatically at quote time, but a few must be specifically requested before they will apply. If you don’t get every credit you qualify for, you are paying more than you should be.

Life Insurance – Companies who offer life insurance give better rates if you take out life insurance from them.
Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts can save up to 15% on the medical payments or PIP coverage costs.
Discount for New Cars – Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
Anti-lock Brakes – Vehicles equipped with ABS or steering control can reduce accidents and qualify for as much as a 10% discount.
Early Signing – A few companies offer discounts for switching to them before your current policy expires. This can save 10% or more.
Homeowners Pay Less – Being a homeowner can help you save on car insurance because of the fact that having a home shows financial diligence.
Drivers Education – Have your child enroll in driver’s education in high school.
Clubs and Organizations – Being a member of certain professional organizations is a good way to get lower rates when buying car insurance on Blazer coverage.

Drivers should understand that most discount credits are not given to the entire policy premium. Most only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like you can get free auto insurance, companies wouldn’t make money that way. Any qualifying discounts will bring down your overall premium however.

For a list of providers with discount car insurance rates, click here.

When should I talk to an agent?

When choosing the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.

How can I get my company to pay me more for my totalled car?
Is business equipment covered while in my vehicle?
Do I have newly-aquired coverage?
How can I get high-risk coverage after a DUI?
I don’t drive much so do I pay less?
Am I missing any policy discounts?
Is my dog or cat covered if injured in an accident?
Should I get collision insurance on every vehicle?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

The coverage is in the details

Knowing the specifics of a insurance policy can be of help when determining the right coverages and proper limits and deductibles. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages found on most insurance policies.

Medical costs insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses such as pain medications, chiropractic care, doctor visits, hospital visits and X-ray expenses. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive or Other Than Collision

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from getting keyed, theft, damage from a tornado or hurricane, vandalism and falling objects. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto collision coverage

Collision insurance covers damage to your Blazer resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as crashing into a ditch, hitting a mailbox, sideswiping another vehicle, damaging your car on a curb and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

UM/UIM Coverage

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Auto liability

Liability coverage will cover damage or injury you incur to people or other property. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like repair bills for other people’s vehicles, loss of income and attorney fees. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.