1991 Chevrolet Blazer Insurance Rates

Locating low-cost insurance for a Chevy Blazer could be a lot of work, but you can learn these tips and make it easy. There are both good and bad ways to compare insurance coverage rates so you’re going to learn the absolute fastest way to compare rates for a Chevy and obtain the lowest possible price either online or from local insurance agents.

Finding Auto Insurance

Lowering your 1991 Chevy Blazer auto insurance rates can be quick and easy. You just need to invest a few minutes comparing price quotes provided by online insurance companies. This can be done using a couple different methods.

  • The fastest way consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This type of form keeps you from doing separate quotes to each individual auto insurance company. Completing one form will return price quotes from multiple companies.It’s the quickest way to get rates.
  • A more time consuming way to compare prices requires a trip to the website for every company you want to comare to complete a price quote. For example, we’ll pretend you want to compare rates from State Farm, Allstate and GMAC. You would have to spend time on each company’s site and enter your information, which is why the first method is quicker.

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

  • The hardest way to compare rates is driving around to insurance agents’ offices. Shopping for auto insurance online has reduced the need for local agents unless you require the professional guidance only provided by licensed agents. It is possible to obtain prices from the web and get advice from an agent in your area.

It’s up to you how you get prices quotes, just double check that you are using apples-to-apples coverage limits with each company. If your comparisons have higher or lower deductibles it will be impossible to make a fair comparison for your Chevy Blazer.

Switch companies and save? Really?

Consumers get pounded daily by advertisements for car insurance savings from companies such as State Farm and Allstate. All the ads make the same claim that you can save if you switch your policy.

How can each company make almost identical claims?

All companies have a preferred profile for the type of driver they prefer to insure. For example, a profitable customer could possibly be over the age of 50, insures multiple vehicles, and has a high credit rating. Any driver who fits that profile will qualify for the lowest rates and therefore will save when they switch companies.

Consumers who don’t qualify for the “perfect” profile must pay a more expensive rate and ends up with business going elsewhere. The ads say “people who switch” not “everybody who quotes” save money. That is how companies can truthfully make those claims. This illustrates why it’s extremely important to quote coverage with many companies. It’s not possible to predict which company will fit your personal profile best.

Pieces of the Chevy Blazer insurance rate puzzle

Smart consumers have a good feel for the different types of things that go into determining your auto insurance rates. Understanding what impacts premium levels allows you to make educated decisions that could result in better auto insurance rates.

  • Marriage pays dividends – Being married can actually save you money when buying auto insurance. Marriage usually means you are more mature and responsible and it’s proven that married couples file fewer claims.
  • Do you work long hours in a high stress job? – Occupations like lawyers, social workers and accountants have higher rates than average in part from job stress and lengthy work days. On the flip side, occupations such as actors, athletes and retirees get better rates for Blazer coverage.
  • Drive less and save money – The more you drive in a year’s time the more you will pay for auto insurance. Most insurance companies apply a rate based on how the vehicle is used. Cars that are left in the garage get more affordable rates than vehicles that are driven to work every day. Improper usage on your Blazer can result in significantly higher rates. Verify your auto insurance policy properly reflects the correct driver usage.
  • How your age affects price – Youthful drivers tend to be less responsible behind the wheel so auto insurance rates are higher. Parents adding a young driver onto a policy can break the bank. Older drivers tend to be more responsible, tend to file fewer claims and get fewer tickets.
  • Bump up deductibles to save – Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your Chevy from damage. A few examples of covered claims would be colliding with a building, damage caused by hail, and rolling your vehicle. Physical damage deductibles are the amount of money you are willing to pay out-of-pocket before a claim is paid by your company. The more expense you have to pay, the less your company will charge you for insurance for Blazer coverage.
  • How many coverages with the same company – The majority of auto insurance companies provide better rates to people who have multiple policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s still a good idea to compare rates to confirm you are receiving the best rates possible. Consumers may find better rates by insuring with multiple companies.
  • Rural vs Urban Areas – Living in less populated areas can save you money when it comes to auto insurance. City drivers regularly have traffic congestion and much longer commute distances. Fewer people means fewer accidents and a lower car theft rate.
  • Don’t buy coverages you don’t need – There are quite a few extra bells and whistles that you can get tricked into buying on your Blazer policy. Coverages for personal injury protection, accidental death and motor club memberships may be costing you every month. They may seem good when talking to your agent, but if you don’t need them eliminate them to save money.

Cut your auto insurance rates with discounts

Companies offering auto insurance do not list every available discount in a way that’s easy to find, so the following is a list of some of the more common as well as the least known discounts you could be receiving. If you aren’t receiving every discount possible, you’re paying more than you need to.

  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. The discount lasts up to age 25.
  • 55 and Retired – Mature drivers may receive a small decrease in premiums for Blazer coverage.
  • Clubs and Organizations – Belonging to a qualifying organization is a good way to get lower rates when shopping for auto insurance for Blazer coverage.
  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% for Blazer coverage with certain companies.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more for Blazer coverage than drivers with accidents.
  • E-sign – A few companies will discount your bill up to fifty bucks simply for signing online.
  • No Claims – Drivers who don’t have accidents can save substantially when compared with drivers who are more careless.
  • No Charge for an Accident – A handful of insurance companies allow you one accident before raising your premiums if you are claim-free prior to the accident.
  • Drivers Education – Require your teen driver to complete a driver education course in high school.
  • Low Mileage – Low mileage vehicles can qualify you for a substantially lower rate.

Drivers should understand that many deductions do not apply to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky.

To see a list of insurance companies offering auto insurance discounts, click this link.

You are unique and your car insurance should be too

When it comes to buying adequate coverage, there is no “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that might point out if your situation will benefit from professional help.

  • How much liability coverage do I need in my state?
  • Who is covered by my policy?
  • Is pleasure use cheaper than using my 1991 Chevy Blazer to commute?
  • Why is insurance for a teen driver so high?
  • What is PIP insurance?
  • Should I have combined single limit or split liability limits?
  • What if I owe more than I can insure my car for?
  • Does car insurance cover theft of personal property?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and you can get the answers you need.

Insurance coverages and their meanings

Having a good grasp of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hail damage, damage from getting keyed, vandalism and falling objects. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability insurance

This coverage will cover damage that occurs to other people or property. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like pain and suffering, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Collision insurance

Collision insurance will pay to fix damage to your Blazer resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like driving through your garage door, scraping a guard rail, colliding with a tree, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for expenses such as nursing services, chiropractic care, surgery and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

In any little way, save everyday

Budget-conscious 1991 Chevy Blazer insurance is available both online and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture. Some companies may not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

As you prepare to switch companies, it’s a bad idea to skimp on coverage in order to save money. There are many occasions where someone dropped liability coverage limits only to discover later that it was a big error on their part. Your strategy should be to purchase a proper amount of coverage at a price you can afford.

Insureds change insurance companies for a number of reasons such as unfair underwriting practices, being labeled a high risk driver, policy non-renewal or high prices. No matter why you want to switch, finding a new company is pretty easy and you might even save some money in the process.

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