Lower Your 1991 Chevrolet Blazer Car Insurance Rates

Are you sick and tired of paying out the nose to insure your Chevy every month? You are no different than many other drivers. With so many choices of insurance companies, it’s nearly impossible to choose the most cost effective provider.

Get lower rates on Chevy Blazer insurance

The price of auto insurance can be rather high, but there could be available discounts that you may not even be aware of. Certain discounts will be applied at the time you complete a quote, but a few must be asked about before you get the savings. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
  • Lower Rates for Military – Being on active duty in the military could mean lower rates.
  • Save over 55 – Older drivers may qualify for better insurance coverage rates on Blazer insurance.
  • Low Mileage – Fewer annual miles on your Chevy can qualify you for lower rates on the low mileage vehicles.
  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% on Blazer insurance with certain companies.
  • Accident Waiver – A few companies permit an accident before your rates go up if your claims history is clear for a particular time prior to the accident.

It’s important to note that some of the credits will not apply to all coverage premiums. Most only cut individual premiums such as collision or personal injury protection. Just because you may think it’s possible to get free car insurance, it doesn’t quite work that way. But all discounts will cut the cost of coverage.

To see a list of companies with the best insurance coverage discounts, click here to view.

Tailor your coverage to you

When buying the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. For example, these questions might point out if your situation will benefit from professional help.

  • Should I buy more coverage than the required minimum liability coverage?
  • I have health insurance so do I need medical payments coverage?
  • Does my 1991 Chevy Blazer qualify for pleasure use?
  • Why am I required to get a high-risk car insurance policy?
  • How much liability do I need to cover my assets?
  • Why am I required to buy high-risk coverage?
  • What discounts do I qualify for?
  • Should I buy full coverage?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Parts of your auto insurance policy

Knowing the specifics of your auto insurance policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages offered by auto insurance companies.

Comprehensive coverage

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, a broken windshield, damage from getting keyed, hitting a deer and hitting a bird. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like EMT expenses, ambulance fees, hospital visits, dental work and pain medications. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability coverages

This provides protection from damage that occurs to other people or property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things like pain and suffering, loss of income, repair costs for stationary objects and medical services. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Coverage for collisions

This coverage covers damage to your Blazer caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like scraping a guard rail, backing into a parked car, crashing into a building, colliding with another moving vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are identical to your policy’s liability coverage.

A penny saved is a penny earned

In this article, we covered some good ideas how to reduce 1991 Chevy Blazer insurance prices online. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. You may even find the lowest premiums are with some of the smallest insurance companies. Smaller companies often have lower prices on specific markets than the large multi-state companies such as Allstate and Progressive.

Affordable insurance can be purchased on the web in addition to many insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

Helpful resources