Trying to find the cheapest car insurance rates for your Chevrolet Blazer? Finding lower premiums on car insurance can be challenging for consumers not familiar with shopping for insurance online. You have so many choices that it can be a real challenge to find lower rates.
It’s smart to price shop coverage occasionally due to the fact that insurance rates are variable and change quite frequently. If you had the lowest price on Blazer insurance a couple years back you may be paying too much now. Starting right now, forget anything you know (or think you know) about car insurance because I’m going to teach you the fastest way to save money, get proper coverage and the best rates.
There are a variety of methods to compare 1999 Chevy Blazer car insurance quotes, but there is one way that is less labor-intensive and much quicker. You can spend countless hours driving to insurance agencies in your area, or you can stay home and use online quotes to quickly compare rates.
Most major companies participate in an industry program that allows shoppers to submit their information once, and each participating company returns a competitive quote for coverage. This eliminates the need for form submissions to each company. To find out how much you can save on car insurance click to open in new window.
The only drawback to doing it this way is you don’t know exactly which carriers you want pricing from. If you would rather choose specific providers for rate comparison, we have a listing of low cost car insurance companies in your area. Click to view list.
It’s up to you which method you use, but make absolute certain that you use the exact same quote information with each company. If you compare mixed coverages it will be impossible to determine the lowest rate for your Chevy Blazer. Quoting even small variations in insurance coverages can make a big difference in price. Keep in mind that getting more free quotes will increase your chances of finding better pricing.
Auto insurance companies don’t always advertise every available discount in an easy-to-find place, so the following is a list of both the well known and the more hidden savings tricks you should be using.
It’s important to understand that most of the big mark downs will not be given the the whole policy. Most only cut the cost of specific coverages such as medical payments or collision. So when the math indicates you can get free auto insurance, it doesn’t quite work that way.
Car insurance companies that may have these benefits include:
Double check with each company which discounts they offer. Some discounts may not apply in your state.
When it comes to choosing the best car insurance coverage, there isn’t really a one size fits all plan. Each situation is unique.
For instance, these questions can help discover if you would benefit from an agent’s advice.
If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form.
Having a good grasp of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.
Medical expense insurance
Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like X-ray expenses, dental work, rehabilitation expenses, surgery and ambulance fees. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Comprehensive (Other than Collision)
Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as damage from a tornado or hurricane, hitting a bird, fire damage, hail damage and damage from flooding. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
This coverage pays for damage to your Blazer from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as rolling your car, damaging your car on a curb, backing into a parked car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.
Auto liability insurance
Liability insurance will cover damage or injury you incur to a person or their property. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.
Liability can pay for claims like pain and suffering, legal defense fees, medical expenses and court costs. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.
Protection from uninsured/underinsured drivers
This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Chevy Blazer.
Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.
When shopping online for auto insurance, make sure you don’t buy lower coverage limits just to save a few bucks. There are many occasions where an insured cut comprehensive coverage or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.
Consumers switch companies for many reasons like high prices, not issuing a premium refund, policy cancellation and delays in responding to claim requests. Regardless of your reason, finding a great new company can be pretty painless.
Throughout this article, we presented many ideas to compare 1999 Chevy Blazer insurance prices online. It’s most important to understand that the more companies you get rates for, the better your comparison will be. You may even find the lowest premiums are with a smaller regional carrier.
Much more information about auto insurance can be found at these links: