Searching for cheaper insurance rates for your Chevrolet Blazer? No one looks forward to paying for insurance, particularly when their premiums are through the roof.
Drivers have so many insurance companies to insure vehicles with, and although it’s a good thing to have multiple companies, having more auto insurance companies makes it harder to find the lowest rates.
It’s important to take a look at other company’s rates periodically since insurance rates go up and down regularly. Just because you had the lowest rates for Blazer insurance a year ago you may be paying too much now. Forget all the misinformation about insurance because you’re about to find out one of the easiest ways to find better coverage at a better price.
To find the best auto insurance prices, there are several ways to get quotes from auto insurance companies in your area. The best method to find the lowest 1996 Chevy Blazer rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in just a few minutes using one of these methods.
The fastest way to find low rates is to use a rate comparison form (click to open form in new window). This form eliminates the need for separate quote forms to each individual auto insurance company. One simple form gets you coverage quotes from all major companies.
A different way to find lower rates consists of visiting the website of each company to request a price quote. For example, let’s assume you want comparison quotes from USAA, State Farm and Farmers. You would have to spend time on each company’s site to input your insurance information, which is why the first method is quicker.
To view a list of companies in your area, click here.
Whichever method you choose, make absolute certain that you use the exact same coverage limits on every quote you get. If you are comparing differing limits it will be very difficult to find the best deal for your Chevy Blazer. Having just a slight variation in insurance coverages could mean much higher rates. And when price shopping your coverage, getting more free quotes helps you find better pricing.
Companies that sell car insurance do not advertise all available discounts in an easy-to-find place, so we researched some of the more common and the more hidden car insurance savings.
A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears all those discounts means the company will pay you, it just doesn’t work that way.
For a list of providers offering car insurance discounts, click here.
When it comes to choosing proper insurance coverage for your vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions can aid in determining if your situation might need professional guidance.
If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.
Having a good grasp of your insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on the average insurance policy.
Liability insurance – Liability insurance protects you from damage that occurs to people or other property. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.
Liability coverage protects against things like attorney fees, legal defense fees, court costs and funeral expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.
Collision coverage – Collision insurance covers damage to your Blazer caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision insurance covers claims like sideswiping another vehicle, crashing into a building, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.
Medical expense insurance – Med pay and PIP coverage reimburse you for short-term medical expenses like X-ray expenses, hospital visits and EMT expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They 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 not available in all states and gives slightly broader coverage than med pay
Comprehensive (Other than Collision) – Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against things like damage from getting keyed, hail damage, a tree branch falling on your vehicle, a broken windshield and vandalism. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Chevy Blazer.
Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.