Searching for the cheapest insurance rates for your Chevrolet Blazer? Are you sick and tired of being strong-armed each month for car insurance? Your situation is no different than many other consumers. Popular companies such as GEICO, Farmers Insurance and State Farm continually bombard you with catchy ads and it can be hard to ignore the propoganda and take the time to shop coverage around.
Finding cheaper 1998 Chevy Blazer insurance prices can be surprisingly simple. All you need to do is spend a few minutes on the computer comparing rate quotes online from several insurance companies. This can be accomplished in a couple of different ways.
For a handy list of car insurance company links in your area, click here.
Whichever method you choose, ensure you’re using identical information for every company. If each company quotes different values for each quote it will be next to impossible to find the best deal for your Chevy Blazer.
Companies that sell car insurance don’t always list every discount very well, so here is a list some of the more common and the harder-to-find savings tricks you should be using. If you don’t get every credit possible, you are paying more than you should be.
It’s important to understand that many deductions do not apply the the whole policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. So when it seems like it’s possible to get free car insurance, it doesn’t quite work that way.
Companies that may have these money-saving discounts are:
Double check with each insurance company which discounts they offer. Discounts may not apply in your state.
When buying adequate coverage for your vehicles, there really is not a one size fits all plan. Every insured’s situation is different so your insurance needs to address that. These are some specific questions can aid in determining whether or not you could use an agent’s help.
If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.
It’s important that you understand the different types of things that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that can help you get lower auto insurance prices.
Shown below are a few of the “ingredients” companies use to determine your rates.
Consumers constantly see and hear ads for cheaper car insurance from companies such as 21st Century, Allstate and State Farm. All the companies make an identical promise that you can save if you change your policy.
How can each company claim to save you money?
All companies have a preferred profile for the type of driver that makes them money. For example, a driver they prefer could possibly be between 25 and 40, a clean driving record, and has a high credit rating. A driver who fits that profile gets the lowest rates and most likely will save a lot of money.
Potential customers who fall outside this ideal profile will be charged higher premiums and ends up with the customer not buying. The ads state “people who switch” not “people who quote” save money. This is how companies can advertise the way they do. That is why you need to get quotes from several different companies. It is impossible to predict which company will fit your personal profile best.
Understanding the coverages of your policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages available from car insurance companies.
Liability car insurance
This coverage protects you from injuries or damage you cause to a person or their property by causing an accident. It protects you against claims from other people. It does not cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.
Liability can pay for claims such as attorney fees, repair costs for stationary objects and bail bonds. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your 1998 Chevy Blazer.
Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Collision coverage covers damage to your Blazer caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage protects against claims such as scraping a guard rail, sideswiping another vehicle, sustaining damage from a pot hole, hitting a parking meter and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.
Medical expense insurance
Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like dental work, ambulance fees and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay
Comprehensive (Other than Collision)
This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims like a broken windshield, damage from flooding, fire damage, vandalism and theft. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Throughout this article, we presented a lot of ways to save on 1998 Chevy Blazer insurance. It’s most important to understand that the more companies you get rates for, the higher your chance of finding lower rates. You may even find the most savings is with a company that doesn’t do a lot of advertising. These companies often have lower prices on specific markets compared to the large companies like Allstate and Progressive.
Discount insurance can be sourced on the web and with local insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance coverage companies do not offer online quoting and most of the time these small insurance companies sell through independent agents.
Additional information can be read on the following sites: