Paying for high-priced Chevrolet Blazer insurance can dwindle your checking account and make it impossible to make ends meet. Shopping your coverage around is a great way to cut your insurance bill.
Lots of auto insurance companies contend for your hard-earned dollar, and it can be difficult to compare rates and get the definite best price available.
Consumers need to check auto insurance prices every six months since rates are adjusted regularly by insurance companies. Just because you had the lowest price on Blazer insurance a couple years back a different company probably has better rates today. Starting right now, forget anything you know (or think you know) about auto insurance because you’re going to learn the tricks you need to know to find lower rates on auto insurance.
Insurance can be prohibitively expensive, but you may find discounts that many people don’t even know exist. Some discounts apply automatically at the time of purchase, but a few need to be manually applied prior to getting the savings.
A little note about advertised discounts, many deductions do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like comp or med pay. So when it seems like having all the discounts means you get insurance for free, insurance companies aren’t that generous. Any amount of discount will reduce your overall premium however.
Companies that may offer some of the above discounts include:
It’s a good idea to ask each company which discounts you may be entitled to. All car insurance discounts might not be offered in your area.
Shopping for lower auto insurance rates can take time and effort if you aren’t aware of the most efficient way. You can waste a few hours (or days) discussing policy coverages with agents in your area, or you can stay home and use the web to get the quickest rates.
Many of the larger companies participate in a marketplace where insurance shoppers only type in their quote data once, and each company provides a quote. This system prevents you from having to do quote forms for each company.
To use this form to compare 1993 Chevy Blazer insurance rates click here to start a free quote.
The single downside to getting quotes like this is you don’t know exactly which insurance companies to get quotes from. If you wish to select specific insurance companies to compare, we have assembled a list of the cheapest auto insurance companies in your area. Click here to view list.
It’s your choice how you get your quotes, but be sure to compare the exact same information for every company. If you compare different liability limits then you won’t be able to determine the best price for your Chevy Blazer. Slightly different insurance coverages may cause a big price difference. Just remember that getting more free quotes provides better odds of finding the best price.
When buying adequate coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions might point out if your situation could use an agent’s help.
If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.
Learning about specific coverages of a car insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages available from car insurance companies.
This gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Chevy Blazer.
Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Frequently these coverages do not exceed the liability coverage limits.
Med pay and PIP coverage reimburse you for bills for things like dental work, surgery, chiropractic care, X-ray expenses and pain medications. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible
This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive insurance covers claims like a tree branch falling on your vehicle, vandalism, hitting a bird and falling objects. The maximum payout your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Collision coverage will pay to fix damage to your Blazer resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.
Collision insurance covers things like hitting a parking meter, sustaining damage from a pot hole, hitting a mailbox, driving through your garage door and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.
This coverage will cover damages or injuries you inflict on people or other property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which means $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. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.
Liability insurance covers things such as medical services, funeral expenses, emergency aid and bail bonds. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.
Cheap 1993 Chevy Blazer insurance can be bought from both online companies in addition to many insurance agents, and you need to price shop both to have the best chance of lowering rates. A few companies do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.
You just learned many ideas to save on insurance. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even discover the lowest premiums are with a small local company. These smaller insurers may only write in your state and offer lower rates as compared to the big name companies such as Progressive or GEICO.
When buying insurance coverage, never sacrifice coverage to reduce premiums. There are many occasions where someone dropped comprehensive coverage or liability limits and found out when filing a claim that they should have had better coverage. Your strategy should be to get the best coverage possible for the lowest price while not skimping on critical coverages.