Want the cheapest car insurance rates for your Chevrolet Blazer? Sick and tired of trying to scrape together enough money to insure your Chevy every month? Your situation is no different than most other car owners.
Big-name insurance companies like State Farm and GEICO persitently shower you with TV and radio ads and consumers find it hard to not get sucked in by the cute commercials and take the time to shop coverage around.
If you have car insurance now, you should be able to save some money using this information. Buying car insurance is quite easy. Although vehicle owners do need to know the way companies price online insurance and take advantage of how the system works.
Companies that sell car insurance don’t list all their discounts very clearly, so we researched both the well known and also the lesser-known discounts you could be receiving.
Drivers should understand that most discount credits are not given to all coverage premiums. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.
Insurance companies that may have these money-saving discounts include:
It’s a good idea to ask each insurance company which discounts you may be entitled to. Savings may not be available in every state.
When buying the right insurance coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if you might need an agent’s assistance.
Auto insurance providers like Progressive, Allstate and GEICO consistently run television and radio advertisements. They all say the same thing that you’ll save big if you change your policy. How do they all make almost identical claims? This is how they do it.
Different companies have a certain “appetite” for the type of driver that earns them a profit. For example, a driver they prefer might be between 30 and 50, has no prior claims, and chooses high deductibles. A propective insured who meets those qualifications will get very good rates and as a result will probably cut their rates substantially.
Potential customers who don’t qualify for the “perfect” profile will be quoted a higher premium which usually ends up with the customer not buying. Company advertisements say “drivers who switch” not “people who quote” save that much. This is how companies can claim big savings. This emphasizes why drivers should get as many quotes as possible. It’s not possible to predict which insurance companies will provide you with the cheapest Chevy Blazer insurance rates.
Understanding the coverages of a insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on the average insurance policy.
Protection from uninsured/underinsured drivers
This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.
Coverage for liability
Liability coverage provides protection from injuries or damage you cause to a person or their property that is your fault. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.
Liability coverage pays for claims such as court costs, repair costs for stationary objects and bail bonds. How much liability coverage do you need? That is up to you, but buy as much as you can afford.
Medical expense insurance
Med pay and PIP coverage reimburse you for immediate expenses for things like funeral costs, dental work, nursing services, hospital visits and surgery. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Comprehensive (Other than Collision)
Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims such as rock chips in glass, theft, a broken windshield, falling objects and hitting a bird. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
This coverage pays for damage to your Blazer resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things such as hitting a mailbox, damaging your car on a curb, sustaining damage from a pot hole and driving through your garage door. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.
As you shop your coverage around, don’t be tempted to buy less coverage just to save a little money. There are too many instances where an insured dropped liability coverage limits to discover at claim time that the small savings ended up costing them much more. Your aim should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.
Cheaper 1992 Chevy Blazer insurance can be bought on the web in addition to many insurance agents, and you need to comparison shop both so you have a total pricing picture. Some auto insurance companies do not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.
We just presented many ways to lower your insurance rates. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. Drivers may discover the lowest premiums are with a smaller regional carrier. They can often provide lower rates in certain areas than the large multi-state companies such as Progressive or GEICO.
Additional detailed information can be found by following these links: