1997 Chevrolet Blazer Insurance Rates - 9 Tricks for Cheaper Quotes

Scraping up a payment for pricey Chevrolet Blazer insurance can overdraw your accounts and put the squeeze on your family’s finances. Comparing cost estimates is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

With consumers having so many options when it comes to insurance coverage, it can be hard to locate a more affordable insurance company.

You should take the time to quote other rates on a regular basis since rates are adjusted regularly by insurance companies. Even if you got the lowest premium rates for Blazer insurance a few years ago you may be paying too much now. Ignore everything you know about insurance coverage because you’re about to learn the fastest way to reduce your cost while increasing coverage.

The purpose of this post is to instruct you on the best way to quote coverages and some tricks to saving. If you have car insurance now, you will most likely be able to lower your premiums substantially using these techniques. But car owners can benefit from knowing the way insurance companies sell online.

Cheapest insurance coverage price quotes

Many insurance companies give coverage prices from their websites. Getting online quotes is possible for anyone because you just enter your required coverages into the quote form. When the form is submitted, their quoting system gets information on your driving record and credit history and generates a price. Being able to quote online makes it simple to compare prices but having to visit a lot of sites and enter the same data into a form is not the best way to spend an afternoon. But it is imperative to compare as many rates as possible in order to find lower prices.

A quicker way to lower your insurance coverage bill uses one simple form to return rates from several companies at one time. This type of form saves time, eliminates repetitive work, and makes comparison shopping a little more enjoyable. As soon as the form is sent, it is rated and you are able to buy any one of the price quotes you receive.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. The entire process only takes a few minutes and you’ll know if lower rates are available.

In order to fill out one form to compare multiple rates now, simply click here to open in new window and complete the simple form. If you currently have coverage, we recommend you complete the form with the coverage information exactly as they are listed on your policy. This ensures you will have a rate comparison for exact coverage.

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Lower-cost car insurance quotes with discounts

Properly insuring your vehicles can get expensive, but there could be available discounts that can dramatically reduce your bill. Certain credits will be shown when you complete an application, but a few must be requested specifically before they will apply.

Early Renewal Discounts – Select insurance companies give a discount for buying a new policy before your current coverage expires. It’s a savings of about 10%.
Discount for Good Grades – Being a good student may save you up to 25%. Earning this discount can benefit you up to age 25.
Anti-lock Brake System – Cars and trucks with ABS braking systems or traction control are much safer to drive and will save you 10% or more.
Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education if it’s offered in school.
No Claims – Insureds who avoid accidents and claims can save substantially in comparison with drivers with a long claim history.
Life Insurance – Larger companies have a break if you buy a life insurance policy as well.
Discount for Multiple Policies – If you can combine your home and auto policy and insure them both with the same insurance company you may save as much as 10 to 15 percent.
Pay Now and Pay Less – If you can afford to pay the entire bill rather than paying in monthly installments you could save 5% or more.
Save with More Vehicles Insured – Buying insurance for primary and secondary vehicles on one policy qualifies for this discount.

A quick disclaimer, most discounts do not apply the the whole policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, you aren’t that lucky.

A few companies who may offer most of these discounts are:

If you need lower rates, check with each company how many discounts you can get. Some of the earlier mentioned discounts might not apply in your area.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Each situation is unique so your insurance should reflect that These are some specific questions could help you determine if your situation may require specific advice.

Do I have coverage when using my vehicle for my home business?
Do I need higher collision deductibles?
Should I have combined single limit or split liability limits?
What are the best liability limits?
Which companies will insure high-risk drivers?
Is extra glass coverage worth it?
Will I lose any money if I cancel my policy before it expires?
Does insurance cover tools stolen from my truck?
When should my teen driver be added to my policy?
Does my liability insurance cover pulling a trailer or camper?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Specific coverage details

Learning about specific coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most car insurance policies.

Liability auto insurance

Liability coverage can cover damages or injuries you inflict on other people or property that is your fault. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged 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 can pay for claims such as emergency aid, legal defense fees, structural damage, medical expenses and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Auto collision coverage

Collision coverage will pay to fix damage to your Blazer caused by collision 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 backing into a parked car, sustaining damage from a pot hole and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like hitting a deer, theft, fire damage and rock chips in glass. The most a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for immediate expenses for things like hospital visits, nursing services, prosthetic devices, EMT expenses and funeral costs. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Shop around and save

In this article, we covered many tips how you can lower your 1997 Chevy Blazer insurance rates. The key concept to understand is the more you quote insurance coverage, the more likely it is that you will get a better rate. You may even find the most savings is with a company that doesn’t do a lot of advertising. They can often provide lower car insurance rates in certain areas than the large multi-state companies such as State Farm and Allstate.

As you restructure your insurance plan, it’s a bad idea to skimp on coverage in order to save money. In too many instances, someone sacrificed comprehensive coverage or liability limits and learned later that the small savings ended up costing them much more. Your strategy should be to buy the best coverage you can find for the lowest price, but don’t skip important coverages to save money.

More tips and info about auto insurance is available at these sites: