Compare 1993 Chevrolet Blazer Insurance Cost

Trying to find the cheapest car insurance rates for your Chevrolet Blazer? Have you had enough of sacrificing to keep your car insured? You are in the same boat as the majority of other consumers.

Consumers have so many insurers to insure vehicles with, and even though it’s nice to have multiple companies, too many choices makes it more difficult to find the lowest rates.

Do you qualify for discounts?

Some companies do not advertise all disounts very clearly, so we researched a few of the more well known and also the more inconspicuous credits available to lower your premiums when you buy insurance coverage online. If you check and find you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Multiple Policy Discount – If you insure your home and vehicles and insure them with the same company you could save 10% to 20% off each policy.
  • Memberships – Participating in qualifying employment or professional organizations could qualify you for a break on your next renewal.
  • Senior Citizens – Older drivers may receive reduced rates for Blazer insurance.
  • E-sign Discounts – A handful of auto insurance companies will discount your bill up to fifty bucks for buying your policy on your computer.
  • Waiver for an Accident – Not necessarily a discount, but a handful of insurance companies may permit one accident without raising rates so long as you haven’t had any claims before the accident.
  • Defensive Driver – Passing a defensive driving class could earn you a small percentage discount and easily recoup the cost of the course.
  • Homeowners Discount – Owning your own home or condo may trigger a policy discount on auto insurance because maintaining a house requires personal responsibility.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can get savings of up to 25% or more.
  • Discounts for Federal Employees – Simply working for the federal government could qualify for a slight premium decrease for Blazer insurance with select insurance companies.

It’s important to understand that most discount credits are not given to the overall cost of the policy. Most only reduce individual premiums such as liability and collision coverage. So even though you would think it’s possible to get free car insurance, auto insurance companies aren’t that generous. But all discounts should definitely cut the amount you pay for coverage.

For a list of providers that offer multiple discounts, click here.

Compare insurance rates

When shopping for cheap insurance coverage quotes, there are a couple of ways to compare quotes from many available insurance companies in your state. The easiest way to find cheaper 1993 Chevy Blazer rates consists of obtaining rate quotes online. This can be accomplished in just a few minutes using one of these methods.

  • The most recommended method consumers can analyze rates is an all-inclusive rate comparison (click to open form in new window). This quick form prevents you from having to do separate quotation requests for each price estimate. One form submission gets you price quotes from multiple low-cost companies.
  • A slightly less efficient method to find better pricing consists of going to the website of each company and request a quote. For instance, we’ll pretend you want to see prices from State Farm, Esurance and Farmers. In order to get each rate, you would have to spend time on each company’s site and enter your information, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

You can choose any of those ways to find more affodable coverage, but do your best to enter apples-to-apples coverage information with every price quote. If the quotes have differing limits you will not be able to get a fair rate comparison. Slightly different insurance coverages or limits can make a big difference in price. Just keep in mind that getting more free quotes helps increase your odds of locating the best rates.

Don’t assume everyone needs the same insurance coverage coverage

When choosing proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions might help in determining whether or not you would benefit from professional advice.

  • How can I find cheaper teen driver insurance?
  • Should I carry comprehensive and collision coverage?
  • How can I get my company to pay me more for my totalled car?
  • Which is better, split liability limits or combined limits?
  • Am I covered when pulling a rental trailer?
  • When would I need additional glass coverage?
  • Am I insured when driving a different vehicle?
  • What is roadside assistance coverage?
  • What is UM/UIM insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Coverages available on your car insurance policy

Knowing the specifics of a car insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types found on most car insurance policies.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as EMT expenses, X-ray expenses and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Collision protection

This pays for damage to your Blazer caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a ditch, driving through your garage door and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive protection

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from a tornado or hurricane, damage from getting keyed, hitting a bird and vandalism. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability insurance

This protects you from damage or injury you incur to other people or property by causing an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in 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 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as bail bonds, court costs and attorney fees. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Have the Midas touch

Budget-conscious 1993 Chevy Blazer insurance can be bought both online in addition to local insurance agencies, so you need to shop insurance coverage with both in order to have the best price selection to choose from. A few companies do not offer internet price quotes and many times these regional carriers prefer to sell through independent agencies.

As you prepare to switch companies, do not reduce coverage to reduce premium. Too many times, consumers will sacrifice uninsured motorist or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. The aim is to purchase a proper amount of coverage at a price you can afford, but do not skimp to save money.

In this article, we covered quite a bit of information on how to save on 1993 Chevy Blazer insurance. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Consumers may even find the biggest savings come from some of the lesser-known companies. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like Allstate or State Farm.

Much more information about insurance is available below: