View 1993 Chevrolet Blazer Insurance Rates

Looking for the cheapest auto insurance rates for your Chevrolet Blazer? Finding affordable auto insurance can seem to be a challenge for people who are new to comparing rates online. You have so many choices that it can quickly become a challenge to find the best price.

Discounts can save BIG

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that can drop the cost substantially. Certain discounts will be applied at quote time, but lesser-known reductions have to be asked about in order for you to get them.

  • Student Driver Training – Require your teen driver to complete a driver education course in school.
  • Auto/Home Discount – When you combine your home and auto insurance with one company you will save up to 20% off your total premium.
  • Life Insurance Discount – Larger companies have lower rates if you buy a life insurance policy as well.
  • Anti-theft Discount – Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same insurance coverage policy could earn a price break for each car.
  • Good Student – This discount can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Organization Discounts – Being a member of certain professional organizations could trigger savings on insurance coverage on Blazer insurance.

It’s important to note that most credits do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, it just doesn’t work that way. Any amount of discount will help reduce the cost of coverage.

A partial list of companies that possibly offer these money-saving discounts are:

Double check with each company what discounts are available to you. Discounts might not be offered in your area.

The quickest way to compare insurance rates in your area is to know the trick most of the bigger providers will pay a fee to give you rate quotes. To get started, all you need to do is provide a little information such as types of safety features, whether the vehicles are used for commuting, what your job is, and if you’re married. That rating information is instantly submitted to many highly-rated insurers and they provide comparison quotes instantly.

To check rates for your 1993 Chevy Blazer, click here and complete the quick form.

Chevy Blazer insurance rates consist of many parts

It’s important that you understand the rating factors that come into play when calculating the rates you pay for car insurance. Understanding what controls the rates you pay enables informed choices that could result in lower car insurance prices.

  • Tickets mean higher rates – Your driving record impacts your car insurance rates tremendously. Drivers who don’t get tickets get better rates compared to drivers with tickets. Even a single speeding ticket can bump up the cost forty percent or more. Drivers who get flagrant violations such as DUI or reckless driving may be required to submit a SR-22 form to the state department of motor vehicles in order to keep their license.
  • Do you have enough liability coverage? – Liability coverage will protect you when you are found liable for damages caused by your negligence. It provides for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should carry high limits.
  • Do you need the policy add-ons? – There are a ton of add-on coverages that can waste your money if you aren’t careful. Coverages like vanishing deductibles, accident forgiveness and term life insurance may be wasting your money. They may seem good when talking to your agent, but if they’re wasting money get rid of them and save.
  • High credit ratings translate to low rates – Your credit rating is a huge factor in your rate calculation. People with excellent credit tend to be more responsible than those with poor credit. So if your credit rating can use some improvement, you could potentially save money when insuring your 1993 Chevrolet Blazer by improving your credit score.
  • Your age impacts your rates – Young drivers are statistically proven to be less responsible when behind the wheel so they pay higher car insurance rates. Older insureds tend to be more responsible, tend to cause fewer accidents and receive fewer citations.
  • Never let your coverage lapse – Driving your car without having proper coverage is a misdemeanor and car insurance companies will penalize you for letting your insurance lapse. Not only will you pay more, getting caught without coverage will get you a hefty fine and possibly a revoked license.
  • Where you live can impact rates – Living in less populated areas can be a good thing when buying car insurance. Drivers who live in large cities have much more traffic and longer commute times. Fewer drivers means fewer accidents and a lower car theft rate.
  • Discounts for multiple policies – The majority of companies give discounts to policyholders who carry more than one policy. It’s known as a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. If you currently are using one company, it’s still a good idea to compare other company rates to ensure the best deal.

Will just any policy work for me?

When it comes to buying the best car insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining if you could use an agent’s help.

  • Is my teen driver covered when they drive my company car?
  • Does my car insurance cover rental cars?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I insured when driving a different vehicle?
  • Does coverage extend to a rental car in a foreign country?
  • What if I don’t agree with a claim settlement offer?
  • Does my 1993 Chevy Blazer qualify for pleasure use?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form.

Auto insurance policy coverages for a 1993 Chevy Blazer

Knowing the specifics of a auto insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Collision coverage – Collision coverage pays for damage to your Blazer caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like colliding with a tree, crashing into a ditch, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred 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. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these coverages do not exceed the liability coverage limits.

Comprehensive coverage – This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, vandalism, damage from getting keyed and theft. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability insurance – This coverage can cover damage that occurs to people or other property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like repair bills for other people’s vehicles, emergency aid and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for expenses for things like doctor visits, funeral costs, EMT expenses and ambulance fees. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Feed the piggy bank

We just covered many ways to lower your 1993 Chevy Blazer insurance rates. The key thing to remember is the more providers you compare, the higher the chance of saving money. Drivers may discover the best price on insurance coverage is with an unexpected company.

Consumers switch companies for a variety of reasons including poor customer service, delays in responding to claim requests, policy non-renewal or even policy cancellation. Whatever your reason, finding a great new company can be pretty painless.

Lower-priced insurance can be purchased on the web in addition to many insurance agents, and you should be comparing both to have the best rate selection. A few companies do not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

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