Lower Your 1990 Chevrolet Blazer Insurance Quotes

Trying to find cheaper auto insurance rates for your Chevrolet Blazer? Consumers that are new to shopping for insurance coverage online are likely to find locating the cheapest insurance coverage can be quite challenging.

Verify you’re receiving every discount

Companies do not advertise the complete list of policy discounts very well, so the following is a list of a few of the more common and also the more inconspicuous credits that you can use to lower your rates.

  • Save over 55 – Drivers over the age of 55 could receive lower premium rates on Blazer coverage.
  • Multiple Vehicles – Drivers who insure multiple cars on one policy could earn a price break for each car.
  • Own a Home – Just being a homeowner can help you save on car insurance due to the fact that maintaining a home requires a higher level of personal finance.
  • Discounts for Federal Employees – Active or retired federal employment can save as much as 8% on Blazer coverage with a few car insurance companies.
  • E-sign – Some of the larger companies may give you up to $50 for completing your application on the internet.
  • Defensive Driver – Taking part in a course teaching safe driver skills could cut 5% off your bill if you qualify.
  • Accident Waiver – Not really a discount, but a few companies such as Allstate and Progressive will turn a blind eye to one accident before hitting you with a surcharge if you have no claims for a certain period of time.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Some only reduce the cost of specific coverages such as comp or med pay. If you do the math and it seems like adding up those discounts means a free policy, nobody gets a free ride.

Larger car insurance companies and the discounts they provide are detailed below.

  • GEICO may include discounts for seat belt use, daytime running lights, anti-lock brakes, driver training, and multi-vehicle.
  • MetLife may offer discounts for defensive driver, multi-policy, good driver, accident-free, claim-free, and good student.
  • Progressive policyholders can earn discounts including good student, multi-vehicle, continuous coverage, online signing, multi-policy, online quote discount, and homeowner.
  • Travelers offers premium reductions for student away at school, hybrid/electric vehicle, driver training, continuous insurance, new car, and multi-policy.
  • SAFECO may have discounts that include homeowner, drive less, anti-lock brakes, bundle discounts, accident prevention training, and multi-car.
  • AAA offers discounts including AAA membership discount, multi-policy, good student, anti-theft, and multi-car.

Before purchasing a policy, check with each company the best way to save money. Discounts may not apply to policyholders in every state. To view insurers offering car insurance discounts, follow this link.

How to compare free insurance quotes

Most of the larger companies such as GEICO, State Farm and Progressive make it easy to get coverage prices on the web. Getting online quotes is quite simple because it’s just a matter of typing in into the quote form. After you complete the form, the quote system automatically retrieves information on your driving record and credit history and returns a price quote based on these factors.

This simplifies rate comparisons, but the time required to go to multiple sites and type in the same information is a big time waster. But it’s very important to perform this step if you want to find a better rate.

There is an easier way to compare rates

The easiest way to find lower prices requires only one form that gets prices from several companies at one time. It saves time, eliminates form submissions, and makes online price comparison much simpler. After sending your information, it is quoted with multiple companies and you can pick your choice of the quote results.

If you find a better price you can click and sign and purchase the new policy. The entire process takes less than 15 minutes and can result in significant savings.

To find out how much you can save on insurance, click here and input your coverage information. To compare your current rates, we recommend you complete the form with the coverage information as close as possible to your current policy. Using the same limits helps guarantee you will get comparison quotes for similar insurance coverage.

The Chevy Blazer insurance cost equation

Multiple criteria are part of the calculation when you get a price on insurance. A few of the factors are predictable such as traffic violations, but other factors are more transparent like where you live or your commute time.

Listed below are some of the things that factor into premiums.

  • Careless drivers pay higher costs – Having just one speeding ticket may increase your cost by twenty percent. Drivers who don’t get tickets get better rates as compared to careless drivers. People who have serious citations like DUI or willful reckless driving may face state-mandated requirements to complete a SR-22 to the state department of motor vehicles in order to keep their license.
  • Where you live can affect prices – Choosing to live in less populated areas of the country is a good thing when shopping for auto insurance. City drivers have more traffic problems and more severe claims. Less people living in that area means a lower chance of having an accident.
  • Marriage is a factor – Having a significant other may earn you lower rates when shopping for insurance. Having a significant other demonstrates that you tend to be more financially stable and insurance companies reward insureds because being married results in fewer claims.
  • Liability coverage safeguards assets – Your insurance policy’s liability coverage is the protection if you are found to be at fault for damages from an accident. Your policy’s liability insurance provides for a legal defense starting from day one. This coverage is relatively inexpensive compared to physical damage coverage, so buy as much as you can afford.

When should I discuss my situation with an agent?

When it comes to buying adequate coverage, there really is no cookie cutter policy. Every situation is different.

For instance, these questions can help discover whether your personal situation might need professional guidance.

  • How high should my medical payments coverage be?
  • Am I covered by my spouse’s policy after a separation?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered when delivering products for my home-based business?
  • What can I do if my company won’t pay a claim?
  • If I drive on a suspended license am I covered?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form.

Be skeptical of auto insurance ads

Respected companies like GEICO, State Farm and Progressive consistently run television, radio, and online ads. All the companies advertise the message of big savings after switching your coverage to them. How does every company say the same thing? Just pay attention to how they say it.

Insurance companies quote their cheapest rates for the type of driver that will generate a profit. An example of this type of risk profile might have to be between the ages of 30 and 50, has other policies, and drives less than 10,000 miles a year. Any driver who meets those qualifications will most likely get cheap car insurance rates and will save money with a new company.

People who are not a match for these standards must pay more expensive rates which leads to business going elsewhere. Company advertisements say “customers who switch” but not “everyone who gets a quote” save that much money. That’s why companies can truthfully make claims that they all have the best rates.

Because of this risk profiling, it’s extremely important to quote coverage with many companies. It’s just not possible to know the company that will fit you best based on your risk profile.

Specific coverage details

Having a good grasp of insurance helps when choosing appropriate coverage for your vehicles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage

This will pay to fix damage to your Blazer from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like damaging your car on a curb, sustaining damage from a pot hole, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, damage from a tornado or hurricane, a tree branch falling on your vehicle, vandalism and a broken windshield. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for liability

This can cover damage that occurs to people or other property that is your fault. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 which stand for a $50,000 limit per person for injuries, 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 one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like legal defense fees, court costs, bail bonds and loss of income. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Usually these coverages are set the same as your liablity limits.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for bills such as hospital visits, doctor visits, EMT expenses and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Have the Midas touch

In this article, we presented a lot of ways to compare 1990 Chevy Blazer insurance prices online. The most important thing to understand is the more quotes you get, the higher your chance of finding low cost insurance coverage. You may even find the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.

Drivers change insurance companies for a variety of reasons including questionable increases in premium, an unsatisfactory settlement offer, being labeled a high risk driver or policy cancellation. It doesn’t matter why you want to switch finding a great new company can be easier than you think.

As you quote insurance coverage, make sure you don’t skimp on coverage in order to save money. There have been many cases where drivers have reduced liability coverage limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

For more information, feel free to visit the following helpful articles: