Lower Your 1996 Chevrolet Blazer Insurance Quotes

Trying to find the cheapest auto insurance rates for your Chevrolet Blazer? Paying cheaper premium rates for Driversauto insurance can seem to be hard for people not familiar with online rate comparisons. Consumers have so many different companies and agents to choose from that it can easily be a real hassle to find better prices.

If you have car insurance now, you should be able to cut costs considerably using this information. Locating the cheapest insurance coverage is quite easy. Although car owners do need to learn the methods companies use to market on the web and apply this information to your search.

Free auto insurance quotes

To get cheaper insurance quotes, there a variety of ways to compare quotes from local auto insurance companies. The easiest way by far to find cheaper 1996 Chevy Blazer rates is simply to get online rate quotes. This is very easy and can be done in a couple of different ways.

  1. Probably the best way to find low rates is a comparison rater form (click to open form in new window). This method keeps you from doing separate quotes for every auto insurance company. One simple form will return price quotes from many national carriers. Just one form and you’re done.
  2. Another way to compare prices requires you to visit the website for every company you want to comare and go through the quote process again. For examples sake, we’ll pretend you want to see prices from GEICO, Safeco and Farmers. You would have to navigate to each company’s site to enter the same coverage data repeatedly, which can get rather old.

    For a list of links to companies insuring cars in your area, click here.

The method you choose is up to you, but make absolute certain that you use nearly identical coverage limits and deductibles for each quote you get. If you use different data it’s not possible to make a fair comparison for your Chevy Blazer. Even a minor difference in limits may result in a large different in cost. And when comparison shopping, comparing more rates from different companies gives you a better chance of getting the best rates. Not every company allows you to get online rate quotes, so it’s important to also get price quotes on coverage from those companies, too.

Lower rates by qualifying for discounts

Insurance can be prohibitively expensive, but there could be available discounts to reduce the price significantly. Certain credits will be shown when you complete an application, but occassionally some discounts must be requested specifically before you get the savings.

  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts can save up to 10 percent (depending on the company) off the medical payments premium.
  • Memberships – Affiliation with a professional or civic organization may earn a discount on your next renewal.
  • E-sign Discounts – A few larger companies may give you up to $50 just for signing your application on your computer.
  • Defensive Driver Discounts – Successfully completing a course that instructs on driving safety could save 5% or more if you qualify.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Anti-lock Brake Discount – Vehicles that have steering control and anti-lock brakes are much safer to drive so companies give up to a 10% discount.

Just know that many deductions do not apply to the entire policy premium. Most only cut specific coverage prices like collision or personal injury protection. Even though it appears having all the discounts means you get insurance for free, nobody gets a free ride.

To locate insurance companies that offer many of these discounts, click here.

Insurance is unique, just like you

When buying the best insurance coverage, there is no single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that may help you determine whether your personal situation might need professional guidance.

  • I have a DUI can I still get coverage?
  • Why am I required to buy liability insurance?
  • Why am I required to buy high-risk coverage?
  • Do I need higher collision deductibles?
  • Should I have combined single limit or split liability limits?
  • Should I bundle my homeowners policy with my auto?
  • Does my insurance cover a custom paint job?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form.

Why smart consumers pay less for Chevy Blazer insurance

Multiple criteria are part of the calculation when you get a price on insurance. Some are obvious such as traffic violations, but some are less apparent like your continuous coverage or how financially stable you are.

  • High coverage deductibles reduce prices – The deductibles you choose state the amount of money you are required to pay if a claim is determined to be covered. Physical damage protection, also known as collision and other-than-collision, insures against damage to your car. Examples of covered claims could be colliding with a stationary object, hail damage, and damage caused by road hazards. The more of the claim you’re willing to pay, the lower your rates will be for Blazer insurance.
  • Insure your auto and home with one company – The majority of insurers apply better rates to clients that purchase more than one policy such as combining an auto and homeowners policy. This can amount to ten percent or more. Even if you qualify for this discount already, you may still want to check prices from other companies to help ensure you have the lowest rates.
  • Proper usage rating affects rates – The higher the miles on your Chevy every year the higher the price you pay to insure it. A lot of companies charge to insure your cars partially by how you use the vehicle. Autos that sit idle most of the time receive lower rates than vehicles that are driven to work every day. Double check that your vehicle rating is showing the correct driver usage. Improper usage on your Blazer may be wasting your money.
  • Teen drivers pay higher prices – Older people tend to be more responsible, tend to file fewer claims .Beginning drivers tend to be more careless in a vehicle therefore insurance rates are much higher.

Misconceptions in insurance advertisements

Allstate, GEICO and Progressive constantly bombard you with television and radio advertisements. All the ads try to convey promises about how much you will save just by switching your insurance policy to them. How is it plausible that every one can give you a lower rate?

All the different companies have specific characteristics for the type of insured that will generate a profit. One example of this type of driver might be between the ages of 30 and 50, has never had a claim, and does not commute to work. A propective insured who matches that profile will get the preferred rates and will also cut their rates substantially.

Drivers who don’t measure up to the requirements will probably have to pay higher premium rates which translates to the customer buying from someone else. The trick companies use is to say “drivers that switch” but not “all drivers who get quotes” save that much money. That’s why insurance companies can state the savings. Because each company has a different risk profile, it’s extremely important to get as many free insurance quotes as possible. Because you cannot predict which insurance company will fit you best based on your risk profile.

Information about specific coverages

Having a good grasp of a car insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for expenses for things like EMT expenses, surgery, pain medications, rehabilitation expenses and nursing services. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverage

This coverage will pay to fix damage to your Blazer from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like hitting a parking meter, backing into a parked car and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive car insurance

This coverage pays for 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 insurance covers things like a tree branch falling on your vehicle, hitting a bird and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 1996 Chevy Blazer.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Liability insurance

Liability coverage can cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like legal defense fees, attorney fees, medical services, emergency aid and medical expenses. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

A penny saved is a penny earned

When shopping online for insurance, it’s very important that you do not reduce coverage to reduce premium. There are a lot of situations where drivers have reduced full coverage to discover at claim time they didn’t have enough coverage. Your objective should be to find the BEST coverage at a price you can afford, but do not skimp to save money.

Drivers leave their current company for a variety of reasons including poor customer service, policy non-renewal, delays in responding to claim requests and even unfair underwriting practices. It doesn’t matter why you want to switch choosing a new company can be easy and end up saving you some money.

Cost effective 1996 Chevy Blazer insurance can be found from both online companies as well as from insurance agents, so you should compare both to have the best rate selection. There are still a few companies who may not provide online quoting and most of the time these regional insurance providers only sell coverage through independent agents.

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