1999 Chevrolet Blazer Insurance Quotes – 10 Savings Tips

Want lower car insurance rates for your Chevrolet Blazer? If you’re shopping for lower-priced insurance online, do you get frustrated by the sheer number of car insurance sources in your area? People have so many choices that it is a difficult situation to compare rates.

It’s important to compare prices occasionally because car insurance prices are adjusted regularly by insurance companies. Even if you got the best price on Blazer coverage a couple years back the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding car insurance online, but I’m going to show you some of the best ways to lower your car insurance premiums.

Choosing the best insurance company for you is easy if you know what you’re doing. If you are paying for car insurance now, you stand a good chance to be able to save some money using this information. Although car owners need to learn the way companies price insurance differently and use this information to your advantage.

The fastest way that we advise to compare car insurance company rates is to take advantage of the fact car insurance companies allow for online access to quote your coverage. To begin a comparison, all you need to do is give the companies some data like if the car is leased, how you use your vehicles, an estimate of your credit level, and if a SR-22 is required. The data gets sent immediately to many highly-rated insurers and they return cost estimate within a short period of time.

Lower your auto insurance rates with these ten discounts

Auto insurance companies do not advertise the entire discount list in a way that’s easy to find, so we researched both well-publicized and the harder-to-find discounts that may be available.

• Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you lower premium rates if you buy a life insurance policy as well.
• Sign Early and Save – Some companies reward drivers for switching policies prior to your current policy expiring. You can save around 10% with this discount.
• One Accident Forgiven – This one is not really a discount per se, but some insurance companies may permit one accident before they charge you more for coverage so long as you haven’t had any claims for a certain period of time.
• Homeowners Pay Less – Just being a homeowner may trigger a policy discount on auto insurance due to the fact that maintaining a home is proof that your finances are in order.
• Student in College – College-age children who attend college more than 100 miles from home and won’t have access to an insured vehicle could get you a discount.
• 55 and Retired – If you qualify as a senior citizen, you could receive better auto insurance rates on Blazer coverage.
• Bundle and Save – When you have multiple policies and place coverage with the same company you may earn up to 20% and get you cheap car insurance.
• Savings for New Vehicles – Insuring a vehicle that is new can cost up to 25% less since new vehicles are generally safer.
• Organization Discounts – Being in qualifying clubs or civic groups could trigger savings on your next renewal.
• More Vehicles More Savings – Buying coverage for multiple vehicles on a single policy can reduce the rates for all insured vehicles.

We need to note that most discounts do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like liability and collision coverage. Even though it appears it’s possible to get free car insurance, that’s just not realistic.

To view providers with the best auto insurance discounts, click here to view.

You are unique and your car insurance should be too

When it comes to buying the best car insurance coverage, there really is no best way to insure your cars. Each situation is unique.

For instance, these questions can help discover if your situation will benefit from professional help.

• Am I better off with higher deductibles on my 1999 Chevy Blazer?
• Should I get collision insurance on every vehicle?
• Does my 1999 Chevy Blazer qualify for pleasure use?
• What is roadside assistance coverage?
• What exactly is covered by my policy?
• Should I buy only the required minimum liability coverage?
• Do I need higher collision deductibles?
• Do I get a pro-rated refund if I cancel my policy early?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Car insurance coverages 101

Understanding the coverages of car insurance helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

Auto liability insurance

Liability coverage will cover damage or injury you incur to people or other property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things like repair bills for other people’s vehicles, attorney fees and bail bonds. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Collision protection

This pays for damage to your Blazer resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like crashing into a building, damaging your car on a curb and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Blazer.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive auto coverage

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as rock chips in glass, hail damage, theft, hitting a bird and a tree branch falling on your vehicle. The highest amount your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like EMT expenses, funeral costs, X-ray expenses, dental work and surgery. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

At the end of the day…

Insureds who switch companies do it for any number of reasons including high prices, not issuing a premium refund, policy cancellation and unfair underwriting practices. It doesn’t matter what your reason, choosing a new company is easier than you think.

As you go through the steps to switch your coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed full coverage and learned later that it was a big mistake. Your objective should be to buy the best coverage you can find at the best price, but do not sacrifice coverage to save money.

In this article, we presented quite a bit of information on how to reduce 1999 Chevy Blazer insurance car insurance rates online. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest car insurance rates are with a smaller regional carrier.

More information can be found on the following sites:

• Prom Night Tips for Teen Drivers (State Farm)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Should I Buy a New or Used Car? (Allstate)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)