1996 Chevrolet Blazer Insurance Rates

Trying to find the cheapest insurance coverage rates for your Chevrolet Blazer? Sick and tired of scraping the payment together to buy car insurance? You are in the same boat as millions of other consumers. Consumers have many insurance companies to pick from, and even though it’s nice to have a choice, it makes it harder to compare rates and cut insurance costs.

You should make it a habit to check insurance coverage prices yearly because rates trend upward over time. Just because you had the lowest price on Blazer coverage last year the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding insurance coverage on the internet, so by reading this article, you’re going to learn the best ways to find cheap insurance coverage.

Choosing the best insurance company for you is quite easy. If you have insurance now or are shopping for new coverage, you can use these tips to shop for the lowest rates and still get good coverage. Vehicle owners just need to know how to compare rates online.

Automobile Insurance Quotes

Most companies such as State Farm and Allstate allow you to get prices online. Obtaining pricing is quite simple as you just type in the amount of coverage you want as detailed in the form. When the form is submitted, the system sends out for your driving record and credit report and provides a quote based on many factors. Online quotes simplifies rate comparisons, but the work required to visit many different websites and fill out multiple forms can get tiresome after awhile. But it’s absolutely necessary to perform this step in order to find better prices.

There is an easier way!

The smarter way to get multiple rate quotes makes use of a single form that obtains quotes from a bunch of companies at once. This type of form saves time, eliminates repetitive work, and makes quoting online much more efficient. Once the form is submitted, it is quoted and you can select any of the quotes that you receive. If you find a better price it’s easy to complete the application and purchase coverage. This process only takes a few minutes and can result in significant savings.

In order to find out if lower rates are available, simply click here to open in new window and begin entering your coverage information. If you have coverage now, it’s recommended you replicate the insurance coverages as close as possible to your current policy. Doing this guarantees you’re receiving a price comparison for similar insurance coverage.

Complexity of Chevy Blazer insurance rates

Smart consumers have a good feel for the factors that help determine the rates you pay for car insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that may reward you with lower car insurance prices.

  • Allowing your policy to lapse raises rates – Allowing your car insurance policy to lapse will be a guaranteed way to bump up your car insurance costs. And not only will your rates increase, but being ticketed for driving with no insurance might get you a steep fine or even jail time.You may need to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Don’t sacrifice liability coverage – Liability coverage provides coverage if ever you are found liable for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage starting from day one. This coverage is very inexpensive when compared with rates for comp and collision, so do not skimp.
  • How your age affects price – Young drivers are known to be careless and easily distracted when driving so car insurance rates are higher. If you’ve ever had to add a youthful driver onto your car insurance can be quite pricey. More mature drivers are more cautious drivers, file fewer claims and are safer drivers.
  • Poor driving leads to higher costs – Your driving citation history has a big impact on rates. Just one moving violation can increase rates by twenty percent. Good drivers get better rates than people who have multiple driving citations. Drivers who have severe citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 form with the DMV in their state in order to drive a vehicle legally.
  • Marriage pays dividends – Having a spouse actually saves money when buying car insurance. Marriage means you’re more responsible it has been statistically shown that married drivers get in fewer accidents.
  • More people means more accidents – Choosing to live in small towns and rural areas has it’s advantages when talking about car insurance. Drivers who live in large cities tend to have congested traffic and longer commutes to work. Less people living in that area means reduced accidents as well as less vandalism and auto theft.
  • Better crash test results mean better rates – Cars with high safety ratings are cheaper to insure. The safest vehicles result in less severe injuries and lower injury rates means lower claim amounts and lower rates for you. If your Chevy Blazer scored better than four stars on Safercar.gov you may qualify for a discount.
  • Better credit scores mean better rates – Your credit score is a huge factor in determining your rates. If your credit rating is lower than you’d like, you could potentially save money when insuring your 1996 Chevrolet Blazer by repairing your credit. People with high credit ratings tend to be more responsible than those with poor credit.

Discounts mean cheaper 1996 Chevy Blazer insurance rates

Car insurance companies do not advertise every discount in a way that’s easy to find, so we researched some of the more common and the harder-to-find discounts you could be receiving. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • Good Students Pay Less – Performing well in school can save 20 to 25%. The discount lasts up until you turn 25.
  • Drive Less and Save – Keeping the miles down on your Chevy could be rewarded with lower rates on the low mileage vehicles.
  • Safety Course Discount – Successfully completing a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • Resident Student – Youth drivers who are attending college and don’t have a car can receive lower rates.
  • 55 and Retired – If you’re over the age of 55, you may be able to get better car insurance rates on Blazer coverage.

It’s important to note that some of the credits will not apply to the overall cost of the policy. Most cut the cost of specific coverages such as collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, you’re out of luck.

For a list of companies offering car insurance discounts, click this link.

Tailor your coverage to you

When it comes to buying coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. For example, these questions can help discover if you would benefit from professional advice.

  • Am I covered when driving in Canada or Mexico?
  • Do all my vehicles need collision coverage?
  • When should I drop full coverage on my 1996 Chevy Blazer?
  • Is my cargo covered for damage or theft?
  • How can I get high-risk coverage after a DUI?
  • Is upholstery damage covered by car insurance?
  • When does my teenage driver need to be added to my policy?
  • Can I get a multi-policy discount?
  • What can I do if my company denied a claim?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Coverages available on your policy

Having a good grasp of a auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types offered by auto insurance companies.

Auto collision coverage

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as crashing into a ditch, sustaining damage from a pot hole, colliding with a tree, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like chiropractic care, pain medications and nursing services. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, a broken windshield and falling objects. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Chevy Blazer.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Auto liability

Liability insurance protects you from damage that occurs to other’s property or people by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for 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 limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers things like loss of income, medical services, structural damage, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

In the end, you save

You just learned many tips how you can get a better price on 1996 Chevy Blazer insurance. The key concept to understand is the more times you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest rates come from a lesser-known regional company. These smaller insurers often have lower prices on specific markets than the large multi-state companies such as Progressive or Geico.

While you’re price shopping online, make sure you don’t buy less coverage just to save a little money. There are too many instances where an accident victim reduced comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage at an affordable rate.

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