Compare 1997 Chevrolet Blazer Insurance Rates

Think you have an overpriced auto insurance policy? Don’t sweat it because many consumers are feeling buyer’s remorse and feel like there’s no way out. You have so many car insurance companies to choose from, and even though it’s nice to have multiple companies, so many choices can make it hard to adequately compare rates.

It’s a good idea to get comparison quotes once or twice a year because auto insurance rates trend upward over time. Even if you got the best rate on Blazer insurance last year a different company probably has better prices today. Ignore everything you know about auto insurance because you’re about to learn one of the quickest ways to properly buy coverages and cut your premium.

The purpose of this post is to help you learn the best way to quote coverages and some tips to save money. If you currently have a car insurance policy, you will be able to reduce your rates substantially using these methods. Drivers only need an understanding of the most effective way to get comparison quotes online.

Seven factors that determine insurance rates

Multiple criteria are considered when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, but other factors are more transparent such as your credit history and annual miles driven.Consumers need to have an understanding of the different types of things that aid in calculating your premiums. When you understand what controls the rates you pay, this allows you to make good choices that will entitle you to much lower annual insurance costs.

• Combine policies and save – Most larger insurers provide better rates to clients that have more than one policy in the form of a multi-policy discount. The discount can add up to ten or even fifteen percent. If you currently are using one company, you still need to get quotes from other companies to confirm you are receiving the best rates possible. You may still be able to save even more even if you have your coverage with different companies
• Do you really need roadside assistance? – There are many additional coverages that can waste your money if you aren’t careful. Insurance for things like replacement cost coverage, better glass coverage, and term life insurance are examples of these. You may think they are a good idea when you first buy your policy, but your money might be better spent on other coverage so think about removing them and cutting costs.
• Traffic violations can be expensive – Drivers with clean records have lower premiums as compared to careless drivers. Having a single ticket could increase your next policy renewal by as much as twenty percent. People who have serious violations like DUI or willful reckless driving may need to maintain a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
• Certain occupations raise premiums – Did you know your insurance rates can be affected by your occupation? Occupational choices like military generalsair traffic controllers and miners usually pay higher rates than the rest of us due to job stress and lots of time spent away from family. Conversely, careers like scientists, historians and performers get better rates on Blazer insurance.
• Theft deterrents lowers insurance rates – Purchasing a vehicle with advanced anti-theft systems can help lower your premiums. Advanced theft deterrents like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping car theft.
• Where you call home – Choosing to live in smaller towns and rural areas of the country has definite advantages when trying to find low car insurance rates. People in densly populated areas have to deal with congested traffic and much longer commute distances. Fewer people means less chance of accidents and a lower car theft rate.
• Responsible credit equals lower rates – An insured’s credit history is likely to be a major factor in calculating your premium rate. Drivers who have high credit ratings tend to be more responsible than drivers who have bad credit. If your credit leaves room for improvement, you may save money insuring your 1997 Chevrolet Blazer by repairing your credit.

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Do you qualify for discount car insurance?

Some insurance providers don’t list every possible discount very clearly, so the list below gives a summary of some of the more common and the harder-to-find car insurance savings.

• Club Memberships – Belonging to a professional or civic organization could trigger savings when getting a insurance quote.
• Driver Safety – Taking part in a course teaching driver safety skills could save 5% or more if your company offers it.
• Safe Driver Discounts – Insureds without accidents can save as much as half off their rates on Blazer insurance compared to accident prone drivers.
• Multi-Vehicle Discounts – Purchasing coverage when you have more than one vehicle on one policy qualifies for this discount.
• Online Discount – Some insurance companies give back up to $50 get insurance on the internet.
• One Accident Forgiven – Not a discount per se, but some companies like Progressive, State Farm and Geico may permit one accident without raising rates so long as you haven’t had any claims prior to being involved in the accident.
• Save over 55 – Older drivers may be able to get lower premium rates on Blazer insurance.
• Telematics Discount – People who choose to allow companies to scrutinize where and when they drive remotely such as State Farm’s In-Drive could see a rate decrease if they exhibit good driving behavior.
• New Vehicle Savings – Adding a new car to your policy can save up to 30% since newer models are generally safer.

A little disclaimer on discounts, some of the credits will not apply the the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. Even though it appears having all the discounts means you get insurance for free, that’s just not realistic.

If you would like to choose from a list of companies who offer car insurance discounts, click here to view.

What insurance coverages do I need?

When choosing adequate coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining if your situation might need an agent’s assistance.

• Is my state a no-fault state?
• Am I covered if my car is in a flood?
• Why is insurance for a teen driver so high?
• Does my car insurance cover rental cars?
• If my 1997 Chevy Blazer is totaled, can I afford another vehicle?
• Do I need added coverage for expensive stereo equipment?
• Do I need more liability coverage?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Coverages available on your policy

Learning about specific coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average car insurance policy.

Liability car insurance – Liability insurance provides protection from injuries or damage you cause to other people or property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability can pay for claims such as medical services, legal defense fees and emergency aid. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Coverage for medical payments – Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like nursing services, EMT expenses, pain medications, prosthetic devices and chiropractic care. They are utilized in addition to your health insurance program or if you do not have health coverage. It covers you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverages – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from flooding, hitting a bird and hitting a deer. 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.

Uninsured and underinsured coverage – This coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Chevy Blazer.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.

Collision coverages – Collision insurance will pay to fix damage to your Blazer from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with a tree, hitting a parking meter, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

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A fool and his money are soon parted

We’ve covered many ways to reduce 1997 Chevy Blazer insurance premium rates online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the lowest premium rates come from a small local company. Smaller companies may cover specific market segments cheaper compared to the large companies like Geico and State Farm.

Cheaper auto insurance is attainable on the web in addition to many insurance agents, and you need to comparison shop both so you have a total pricing picture. Some companies do not provide online rate quotes and usually these smaller providers sell through independent agents.

As you shop your coverage around, you should never reduce coverage to reduce premium. There are too many instances where someone dropped liability limits or collision coverage only to regret at claim time they didn’t have enough coverage. Your strategy should be to buy a smart amount of coverage at an affordable rate, but don’t skip important coverages to save money.

More information is located at the links below

• Bodily Injury Coverage (Liberty Mutual)
• Crash Avoidance Technologies FAQ (iihs.org)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Driving in Bad Weather (Insurance Information Insitute)
• Neck Injury FAQ (iihs.org)

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