1991 Chevrolet Blazer Insurance Rates – 7 Savings Tips

Trying to find cheaper insurance coverage rates for your Chevrolet Blazer? No normal person likes buying insurance coverage, especially when they are aware that they could get a better deal. Lots of auto insurance companies contend for your hard-earned dollar, so it’s not easy to compare every provider to find the lowest rate

Smart consumers take time to check insurance coverage prices periodically since insurance prices are variable and change quite frequently. Just because you found the lowest quotes for Blazer coverage at your last renewal you can probably find a lower rate today. Forget anything you know (or think you know) about insurance coverage because I’m going to teach you the only way to save money, get proper coverage and the best rates.

If you have a policy now or are looking for a new policy, you can use these tips to get lower rates while maintaining coverages. Finding the best rates is not rocket science. Drivers just need to understand the best way to shop their coverage around on the web.

How to buy insurance coverage online

Finding a better price on insurance coverage can be quick and easy. The only requirement is to spend a little time comparing rates provided by online insurance companies. This can be accomplished in a couple of different ways.

  1. Experts agree that the best way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This form keeps you from doing boring form submissions for every insurance coverage company. Completing one form will return price quotes from many national carriers.
  2. A slightly less efficient method to get comparison quotes is spending the time to visit each company’s website to request a price quote. For sake of this example, we’ll assume you are doing a rate comparison from Liberty Mutual, GEICO and Travelers. You would be required to take the time to go to each site to enter the same coverage data repeatedly, which can be really labor intensive. For a list of links to insurance companies in your area, click here.
  3. The least efficient and most time consuming way of comparing rate quotes is driving around to insurance agents’ offices. Doing it all online has reduced the need for local agents unless your situation requires the trained advice that can only be provided by a licensed insurance agent. It is possible with some companies comparison shop your insurance online and still use a local agent.

You can use whichever method you prefer to find lower rates, just be sure to compare the same coverages and limits for each quote you get. If your comparisons have different values for each quote you will not be able to determine which rate is truly the best.

Discounts can really help to save

Auto insurance is not cheap nor is it fun to buy but there are discounts available that can help lower your rates. Certain discounts will be applied when you get a quote, but once in a while a discount must be specifically requested before they will apply.

  • Braking Control Discount – Vehicles with ABS braking systems or traction control can stop better under adverse conditions and therefore earn up to a 10% discount.
  • Early Renewal Discounts – Select auto insurance companies give a discount for renewing your policy prior to your current policy expiration. This discount can save up to 10%.
  • Discount for Life Insurance – Larger insurance companies have lower prices if you buy life insurance.
  • New Car Discount – Buying coverage on a new vehicle may earn a small discount because new vehicles are generally safer.
  • Sign Online – A few larger companies will discount your bill up to fifty bucks just for signing your application on your computer.
  • Multi-Vehicle Discounts – Buying a policy with multiple cars or trucks on a single policy qualifies for this discount.
  • Senior Discount – If you qualify as a senior citizen, you can possibly qualify for lower premium rates for Blazer coverage.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most cut the cost of specific coverages such as comprehensive or collision. So even though it sounds like it’s possible to get free car insurance, that’s just not realistic.

Car insurance companies that may offer these benefits include:

Double check with all the companies how you can save money. A few discounts may not apply to policies in your area. To see providers with discount auto insurance rates, click here.

Will just any policy work for me?

When it comes to choosing adequate coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that For example, these questions may help highlight if your situation could use an agent’s help.

  • When would I need additional glass coverage?
  • How much liability insurance is required?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is my babysitter covered when using my vehicle?
  • Are my friends covered when driving my 1991 Chevy Blazer?
  • When can my company non-renew my policy?
  • What is no-fault insurance?
  • What is the rate difference between pleasure use and commuting?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

What auto insurance coverages do you need?

Knowing the specifics of auto insurance can help you determine appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from auto insurance companies.

Auto liability insurance

Liability coverage can cover damage that occurs to a person or their property in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things like medical expenses, legal defense fees, bail bonds, emergency aid and attorney fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Collision protection

This will pay to fix damage to your Blazer resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as damaging your car on a curb, backing into a parked car and crashing into a ditch. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently these coverages are identical to your policy’s liability coverage.

Coverage for medical payments

Med pay and PIP coverage pay for short-term medical expenses for things like ambulance fees, nursing services, chiropractic care, hospital visits and dental work. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hitting a bird, fire damage, rock chips in glass and hitting a deer. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Don’t break the bank

Some insurance companies may not have online price quotes and most of the time these regional insurance providers sell through independent agents. Budget-friendly insurance can be purchased from both online companies and from local insurance agents, so you need to compare both in order to have the best price selection to choose from.

You just learned quite a bit of information on how to compare 1991 Chevy Blazer insurance car insurance rates online. The most important thing to understand is the more price quotes you have, the higher your chance of finding the cheapest insurance coverage. You may even discover the biggest savings come from the least-expected company. Some small companies can often insure niche markets at a lower cost than their larger competitors like State Farm, GEICO and Nationwide.

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