Save on 1998 Chevrolet Blazer Car Insurance Quotes

Are you regretting the purchase of an expensive car insurance policy? Don’t feel bad because many consumers are feeling buyer’s remorse and feel like there’s no way out. Since consumers have many insurance companies to choose from, it’s nearly impossible to choose the right insurer.

It’s a good idea to get comparison quotes every six months because car insurance rates change frequently. Despite the fact that you may have had the best premium rates on Blazer coverage last year you will most likely find a better price today. Ignore everything you know about car insurance because you’re about to learn the tricks you need to know to find great coverage at a great price.

Save a ton by applying discounts

Some providers don’t necessarily list their entire list of discounts very well, so below is a list some of the more common as well as the least known discounts that you may qualify for.

  • Multi-Vehicle Discounts – Having several vehicles with the same auto insurance company may reduce the rate for each vehicle.
  • Mature Driver Discount – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums on Blazer coverage.
  • Claim Free – Insureds who avoid accidents and claims are rewarded with significantly better rates on car insurance quote as compared to drivers who are more careless.
  • Seat Belt Usage – Forcing all vehicle occupants to use their safety belts can save a little on the medical payments or PIP coverage costs.
  • Policy Bundle Discount – If you combine your home and auto policies with one company you could earn a discount of up to 20% and get you affordable car insurance.
  • Active Military Service – Having an actively deployed family member could trigger a small discount.

A little disclaimer on discounts, most discount credits are not given to the overall cost of the policy. A few only apply to individual premiums such as physical damage coverage or medical payments. If you do the math and it seems like you could get a free auto insurance policy, it’s just not the way it works.

Popular auto insurance companies and some of their more popular discounts can be found below.

  • GEICO offers discounts including anti-theft, military active duty, multi-policy, emergency military deployment, and five-year accident-free.
  • Travelers includes discounts for multi-policy, early quote, payment discounts, student away at school, and IntelliDrive.
  • Nationwide may offer discounts for business or organization, good student, anti-theft, Farm Bureau membership, and accident-free.
  • Farmers Insurance policyholders can earn discounts including alternative fuel, bundle discounts, distant student, good student, and early shopping.
  • Esurance offers premium reductions for paid-in-full, good driver, multi-policy, online shopper, and multi-car.
  • State Farm has savings for multiple policy, Drive Safe & Save, student away at school, passive restraint, defensive driving training, and driver’s education.
  • Progressive may have discounts that include multi-policy, homeowner, online signing, good student, multi-vehicle, and continuous coverage.
  • Mercury Insurance has discounts for annual mileage, professional/association, low natural disaster claims, accident-free, and location of vehicle.

Before purchasing a policy, check with all companies you are considering the best way to save money. Some credits might not be available to policyholders everywhere. If you would like to see a list of providers with discount auto insurance rates, click here.

How to lower your auto insurance cost

There are a lot of ways to compare auto insurance quotes, but one way is easier and takes less work. You can waste a lot of time driving to insurance agencies in your area, or you can utilize online quoting to get rates in a matter of minutes.

Many insurance companies belong to a marketplace where insurance shoppers submit one quote, and every company can give them a price for coverage. This prevents consumers from doing repetitive form submissions for every auto insurance company.

To fill out one form to compare multiple rates now click here to start a free quote.

One minor caviat to using this type of form is buyers cannot specifically choose the insurers you will receive quotes from. If you would rather choose specific providers to receive pricing from, we have assembled a list of companies who write auto insurance in your area. View list of insurance companies.

However you get your quotes, ensure you are comparing nearly identical deductibles and coverage limits for each comparison quote. If you compare higher or lower deductibles you can’t possibly determine the best price for your Chevy Blazer.

Your auto insurance coverage should be tailored to you

When buying adequate coverage for your personal vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions may help you determine if your situation may require specific advice.

  • Should I buy more coverage than the required minimum liability coverage?
  • Does my 1998 Chevy Blazer need full coverage?
  • How can I get high-risk coverage after a DUI?
  • Why does it cost so much to insure a teen driver?
  • How much can I save by bundling my policies?
  • When would I need additional glass coverage?
  • Exactly who is provided coverage by my policy?
  • Is rental equipment covered for theft or damage?
  • How can I get my company to pay me more for my totalled car?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance policy specifics

Having a good grasp of car insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Car insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are the normal coverages available from car insurance companies.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for nursing services, funeral costs, doctor visits and surgery. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Liability coverage – Liability insurance protects you from damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as medical expenses, repair bills for other people’s vehicles, legal defense fees, pain and suffering and court costs. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Collision coverages – Collision insurance will pay to fix damage to your Blazer from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with a tree, sustaining damage from a pot hole, crashing into a ditch, scraping a guard rail and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive car insurance – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like vandalism, damage from getting keyed, fire damage, hail damage and damage from a tornado or hurricane. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

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. Covered claims include injuries to you and your family and damage to your Chevy Blazer.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally the UM/UIM limits are set the same as your liablity limits.

Saving money is sweet as honey

Cheaper 1998 Chevy Blazer insurance is attainable both online as well as from insurance agents, so get free car insurance quotes from both of them to have the best chance of lowering rates. A few companies do not offer price quotes online and many times these smaller providers work with independent insurance agencies.

We’ve covered some good ideas how to lower your 1998 Chevy Blazer insurance prices. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. You may even find the most savings is with an unexpected company. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.

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