1992 Chevrolet Blazer Insurance Quotes – 6 Tricks for Cheaper Rates

Looking for lower insurance rates for your Chevrolet Blazer? Are you confused by the number of insurance companies? You’re not the only one! Consumers have so many companies to choose from that it can turn into a big hassle to find better rates.

Verify you’re getting all your discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available that can drop the cost substantially. Some discounts apply automatically when you get a quote, but less common discounts must be asked for before they will apply.

  • Accident Waiver – A handful of insurance companies will allow you to have one accident before your rates go up as long as you don’t have any claims for a certain period of time.
  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Club Memberships – Participating in a qualifying organization is a good way to get lower rates on car insurance on Blazer insurance.
  • Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance from them.

Consumers should know that most discount credits are not given to the entire policy premium. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like all the discounts add up to a free policy, it doesn’t quite work that way. But all discounts will cut your premiums.

To see a list of companies with discount car insurance rates, click here.

Automobile Insurance Quotes

Comparing insurance coverage rates can be a daunting task if you don’t utilize the most efficient way to do it. You can spend countless hours talking about coverages with local insurance agents in your area, or you could save time and use online quoting to get the quickest rates.

Many popular insurance companies belong to an insurance system that allows shoppers to send in one quote, and at least one company can give them a price. This saves time by eliminating repetitive form submissions for each company. To access this free quoting program, click to open in new window.

The one disadvantage to doing it this way is that consumers can’t choose which providers to receive prices from. So if you prefer to pick specific insurance companies to receive pricing from, we have a listing of low cost insurance coverage companies in your area. View list of insurance companies.

Whichever method you choose, be sure to compare exactly the same quote information for each comparison quote. If you have differing limits it’s not possible to determine the best price for your Chevy Blazer. Just a small difference in coverages can mean a large discrepancy in price. And when comparing insurance coverage rates, know that quoting more provides better odds of finding the best offered rates.

When should I talk to an agent?

When it comes to buying coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different.

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

  • How high should my uninsured/underinsured coverage be in my state?
  • Does coverage extend to a rental car in a foreign country?
  • Are all vehicle passengers covered by medical payments coverage?
  • When do I need to add a new car to my policy?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How much liability insurance is required?
  • Do I need replacement cost coverage?
  • Can I get a multi-policy discount?
  • How can I force my company to pay a claim?

If you can’t answer these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Coverages available on your insurance policy

Learning about specific coverages of insurance can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Comprehensive (Other than Collision)

This covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like a tree branch falling on your vehicle, hitting a bird, hail damage, theft and falling objects. The most a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

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 will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as crashing into a building, damaging your car on a curb, crashing into a ditch, sustaining damage from a pot hole and driving through your garage door. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Liability car insurance

This will cover damages or injuries you inflict on other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as attorney fees, bail bonds and structural damage. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for bills for things like nursing services, dental work and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Chevy Blazer.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time these coverages are similar to your liability insurance amounts.

Power to the consumer

As you go through the steps to switch your coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. In many cases, consumers will sacrifice physical damage coverage only to regret that they should have had better coverage. Your focus should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

The cheapest 1992 Chevy Blazer insurance is definitely available on the web and with local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some car insurance companies do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

We covered a lot of information how to compare insurance prices online. It’s most important to understand that the more companies you get rates for, the higher your chance of finding lower rates. Drivers may discover the best prices are with a smaller regional carrier.

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