Compare 1997 Chevrolet Blazer Insurance Quotes

Searching for the cheapest insurance coverage rates for your Chevrolet Blazer? Locating the cheapest insurance for a new or used Chevy Blazer could be a painful process, but you can learn a few tricks and make it easy.

There are more efficient ways to compare insurance coverage rates so you’re going to learn the proper way to price shop coverage for a new or used Chevy and locate the best price possible from both online companies and local agents.

It’s important to get comparison quotes quite often because rates fluctuate regularly. Just because you found the lowest rates on Blazer insurance two years ago you may be paying too much now. Starting now, ignore everything you know about insurance coverage because you’re going to learn the quickest way to properly buy coverages and cut your premium.

If you have insurance now or are looking for a new policy, you can use these techniques to reduce the price you pay and possibly find even better coverage. Finding the best insurance coverage is easy if you know what you’re doing. Drivers just need to understand the proper way to compare prices online.

Your Chevy Blazer insurance rate is a complex equation

Smart consumers have a good feel for the rating factors that play a part in calculating the price you pay for insurance coverage. Understanding what influences your rates allows you to make educated decisions that will entitle you to much lower annual insurance costs.

  • Multiple policies with one company can save – The majority of insurance coverage companies provide better rates to customers who consolidate policies with them. It’s known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even with this discount, it’s still a good idea to compare rates to confirm you are receiving the best rates possible. Consumers may find a better deal by splitting coverages up.
  • Big city or small town – Living in small towns and rural areas is a positive aspect when buying insurance coverage. Drivers in populated areas have to deal with more traffic problems and a longer drive to work. Fewer drivers means fewer accidents and also fewer theft and vandalism claims.
  • Cautious drivers pay less – Your driving record has a lot to do with how much you pay for insurance. Drivers with clean records receive lower rates than bad drivers. Just one ticket may increase your cost by twenty percent. Drivers who get serious violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
  • Never allow your policy to lapse – Driving your car without having proper coverage is a misdemeanor and as a result your rates will increase for letting your coverage lapse. And not only will your rates increase, but not being able to provide proof of insurance might get you a revoked license or a big fine.
  • Males pay more for insurance – The statistics show women are more cautious behind the wheel. However, don’t assume that women are better drivers. Women and men tend to get into accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations like reckless driving and DUI.
  • Younger drivers pay higher rates – More mature drivers are more responsible, tend to cause fewer accidents and tend to be better behind the wheel. Teen drivers are statistically proven to be less responsible when driving and because of this, their insurance coverage rates are much higher.
  • Pay less after the wedding – Getting married helps lower the price on your insurance coverage policy. It is viewed as being more mature than a single person it has been statistically shown that married couples file fewer claims.
  • Do you need the policy add-ons? – There are many add-on coverages that can waste your money on your insurance coverage policy. Things like rental car reimbursement, accident forgiveness and term life insurance are some examples. They may seem like a good idea initially, but if they’re wasting money remove them from your policy.

Free Quotes for Auto Insurance

Lowering your 1997 Chevy Blazer auto insurance rates is surprisingly easy. Drivers just need to take a couple of minutes to compare quotes provided by online insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  • The best way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This type of form keeps you from doing separate quotes for each company. Completing one form compares rates direct from many companies.It’s the quickest way to get rates.
  • A more time consuming way to shop for auto insurance online is to manually visit each company website to complete their respective quote request forms. For instance, we’ll pretend you want to compare Nationwide, Progressive and Travelers. To find out each rate you need to spend time on each company’s site to enter your coverage information, which is why the first method is more popular. To view a list of companies in your area, click here.

Whichever way you use, be sure to compare the exact same coverage limits for each comparison quote. If the quotes have different limits and deductibles on each one then you won’t be able to determine which rate is truly the best.

Misconceptions in insurance coverage advertisements

Consumers can’t ignore all the ads for the lowest price auto insurance from the likes of Allstate and Progressive. They all make the same claim that you can save if you move your coverage to them.

But how can every company claim to save you money?

All the different companies can use profiling for the right customer they prefer to insure. An example of a preferred risk could be between 25 and 40, insures multiple vehicles, and chooses high deductibles. A customer who matches those parameters receives the best rates and therefore will save when they switch companies.

Consumers who don’t measure up to the “perfect” profile will be quoted higher rates which leads to the driver buying from a lower-cost company. The ads state “customers who switch” not “people who quote” save money. That is how insurance companies can advertise the way they do.

This emphasizes why drivers should quote coverage with many companies. You cannot predict which company will have the lowest Chevy Blazer insurance rates.

These discounts can slash auto insurance rates

Insurance can be prohibitively expensive, but discounts can save money and there are some available that can drop the cost substantially. Some discounts apply automatically when you complete an application, but a few must be requested specifically before being credited. If you’re not getting every credit available, you are throwing money away.

  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
  • Multiple Vehicles – Insuring multiple vehicles on one policy may reduce the rate for each vehicle.
  • Lower Rates for Military – Being deployed with a military unit could be rewarded with lower premiums.
  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out life insurance from them.
  • Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Early Signing – Some insurance companies reward drivers for switching policies before your current expiration date. This can save 10% or more.
  • Senior Citizens – If you’re over the age of 55, you may qualify for better auto insurance rates on Blazer insurance.
  • Organization Discounts – Being a member of a qualifying organization is a good way to get lower rates when buying auto insurance on Blazer insurance.
  • Seat Belt Usage – Requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.

Consumers should know that some of the credits will not apply to the overall cost of the policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, you won’t be that lucky. Any amount of discount will cut your premiums.

For a list of insurance companies who offer auto insurance discounts, follow this link.

When might I need the advice of an agent?

When choosing proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions could help you determine whether or not you might need professional guidance.

  • At what point should I drop full coverage?
  • What can I do if my company denied a claim?
  • Are all vehicle passengers covered by medical payments coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • What is high-risk coverage and where do I buy it?
  • Can I make deliveries for my home business?
  • How much liability coverage do I need in my state?
  • Can my teen drive my company car?
  • Can I still get insurance after a DUI?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Educate yourself about auto insurance coverages

Having a good grasp of auto insurance can help you determine which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses like hospital visits, ambulance fees, doctor visits, X-ray expenses and rehabilitation expenses. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like falling objects, damage from a tornado or hurricane, damage from flooding, fire damage and damage from getting keyed. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision insurance

This pays for damage to your Blazer from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as driving through your garage door, crashing into a building, colliding with another moving vehicle and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Chevy Blazer.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Normally these limits are similar to your liability insurance amounts.

Liability insurance

This can cover damage or injury you incur to a person or their property. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like repair bills for other people’s vehicles, bail bonds, loss of income and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

A penny saved is a penny earned

People change insurance companies for a variety of reasons including policy cancellation, high prices, policy non-renewal or lack of trust in their agent. It doesn’t matter what your reason, finding the right car insurance provider is less work than it seems.

You just learned a lot of tips how to compare 1997 Chevy Blazer insurance prices online. It’s most important to understand that the more you quote, the more likely it is that you will get a better rate. Consumers may even find the best prices are with some of the lesser-known companies.

As you prepare to switch companies, it’s not a good idea to skimp on coverage in order to save money. In too many instances, an insured dropped liability limits or collision coverage only to regret that the savings was not a smart move. Your strategy should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

For more information, feel free to visit these articles: