View 1995 Chevrolet Blazer Insurance Quotes

Are you overwhelmed by the crazy number of insurance coverage choices? Many other drivers are as well. Drivers have so many companies to choose from that it can easily become a real hassle to find better rates.

If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this strategy. This article will help educate you on how to get online quotes and some tricks to saving. Nevertheless, car owners can benefit from knowing the methods companies use to sell insurance online and use this information to your advantage.

How to Get Insurance Coverage

There are several ways to compare Chevy Blazer insurance coverage quotes, but one way is easier and takes less work. You could waste a few hours discussing policy coverages with agents in your area, or you could save time and use online quoting for quick rates.

Many companies participate in a marketplace that enables customers to send in one quote, and at least one company then returns a price quote based on the submitted data. This eliminates the need for quote forms for every insurance coverage company.

To get comparison pricing now click here to open in new window.

The one downside to doing it this way is you can’t choose the companies to get quotes from. If you wish to select individual companies to receive pricing from, we have a page of companies who write insurance coverage in your area. Click to view list.

It doesn’t matter which method you choose, just compare the exact same quote information for every company. If each company quotes different deductibles you will not be able to truly determine the lowest rate. Slightly different limits can make a big difference in price. Keep in mind that having more price comparisons will improve the odds of getting the best price.

Take advantage of discounts

Insuring your fleet can be pricey, but you can get discounts to cut the cost considerably. Certain discounts will be triggered automatically when you quote, but a few need to be specially asked for prior to getting the savings.

  • Early Switch Discount – Some companies give discounts for buying a policy before your current policy expires. It’s a savings of about 10%.
  • Discounts for Safe Drivers – Insureds without accidents may save up to 50% more for Blazer insurance than drivers with accident claims.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • No Accidents – Drivers who don’t have accidents can save substantially compared to bad drivers.
  • Auto/Life Discount – Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Paperless Signup – Certain companies may give you up to $50 simply for signing digitally online.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums for Blazer insurance.
  • Accident Forgiveness – Certain companies will forgive one accident before raising your premiums if you are claim-free for a particular time prior to the accident.

Consumers should know that some credits don’t apply to all coverage premiums. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, companies don’t profit that way. But all discounts will cut your overall premium however.

To see a list of providers with the best auto insurance discounts, follow this link.

Factors influencing Chevy Blazer insurance rates

Smart consumers have a good feel for the factors that come into play when calculating insurance coverage rates. Understanding what influences your rates empowers consumers to make smart changes that could result in lower insurance coverage prices.

The list below includes some of the items used by your company to calculate premiums.

  • Poor driving leads to higher costs – Drivers who don’t get tickets receive lower rates than their less careful counterparts. Even a single speeding ticket can bump up the cost by as much as thirty percent. Drivers with dangerous tickets like DUI or reckless driving are required to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • Car features impact rates – Driving a car that has an advanced theft prevention system can help bring down rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Don’t get talked into coverage you don’t need – There are many extra bells and whistles that you can get tricked into buying if you aren’t careful. Insurance for rental car reimbursement, accidental death and additional equipment coverage may be wasting your money. These may sound like a good investment when you first buy your policy, but now you might not need them so eliminate the coverages to reduce your premium.
  • High crash test scores lower rates – Safer cars can get you lower premiums. The safest vehicles have better occupant injury protection and fewer injuries translates into savings for insurance companies and lower rates for you. If the Chevy Blazer has ratings of a minimum four stars on you are probably receiving a discount.
  • Frequent insurance coverage claims increase rates – If you frequently file small claims, you can look forward to either policy cancellation or increased premiums. Companies give cheaper rates to drivers who do not file claims often. Your insurance policy is intended for larger claims.
  • Rate your vehicle for proper use – The more you drive in a year the higher your rate. Almost all companies charge to insure your cars determined by how the vehicle is used. Cars used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. Double check that your insurance coverage policy properly reflects the correct driver usage. If your policy improperly rates your Blazer can cost quite a bit.
  • Multiple policies with one company can save – The majority of insurers will give a discount to insureds who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, you may still want to compare other company rates to confirm you are receiving the best rates possible. Consumers may find better rates by buying insurance from more than one company.

How to know if you need help

When it comes to choosing coverage, there really is no cookie cutter policy. Every situation is different.

For instance, these questions can aid in determining whether or not you will benefit from professional help.

  • What is PIP insurance?
  • Should I waive the damage coverage when renting a car?
  • How high should my uninsured/underinsured coverage be in my state?
  • When should I remove comp and collision on my 1995 Chevy Blazer?
  • When would I need rental car insurance?
  • Can I still get insurance after a DUI?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form.

Insurance coverage basics

Knowing the specifics of your insurance policy helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be confusing and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 1995 Chevy Blazer.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits are set the same as your liablity limits.

Collision – Collision insurance covers damage to your Blazer resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as damaging your car on a curb, sideswiping another vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive auto coverage – 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 then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a broken windshield, damage from getting keyed, fire damage and rock chips in glass. The most a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for X-ray expenses, dental work, hospital visits and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability insurance – Liability coverage provides protection from damage that occurs to people or other property. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like legal defense fees, structural damage and pain and suffering. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

More effort can pay off

Consumers change insurance companies for a number of reasons such as high rates after DUI convictions, policy cancellation, lack of trust in their agent and policy non-renewal. Whatever your reason, choosing a new insurance company can be easy and end up saving you some money.

The cheapest 1995 Chevy Blazer insurance can be sourced from both online companies and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance coverage companies do not offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. In too many instances, an insured cut liability coverage limits and discovered at claim time that it was a big error on their part. The ultimate goal is to get the best coverage possible at the best price while still protecting your assets.

More information