Cheaper 1998 Chevrolet Blazer Insurance Quotes

Buyers have a choice when searching for affordable Chevy Blazer insurance. They can either waste time driving around to get rate comparisons or use the internet to make rate comparisons.

There is a right way and a wrong way to compare insurance rates so we’re going to tell you the absolute fastest way to get price quotes for a new or used Chevy and find the best price possible.

Consumers should take time to take a look at other company’s rates on a regular basis due to the fact that insurance rates change quite often. Just because you had the best deal for Blazer coverage last year you will most likely find a better rate today. So just forget all the misinformation about insurance because you’re going to get a crash course in the fastest way to lower your annual insurance bill.

Policy discounts you shouldn’t miss

Car insurance can cost a lot, but there are discounts available to help bring down the price. Certain discounts will be triggered automatically at the time of purchase, but a few need to be asked for before they will apply. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
  • Early Signing – Some companies give discounts for buying a policy prior to your current policy expiration. This can save 10% or more.
  • Resident Student – Youth drivers who are attending college and don’t have a car can receive lower rates.
  • E-sign – A few companies will give a small break for buying a policy and signing up digitally online.
  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class in school.

Consumers should know that most discounts do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way. But any discount will reduce the cost of coverage.

Insurance companies who might offer some of the above discounts include:

It’s a good idea to ask each insurance company which discounts they offer. All car insurance discounts might not apply in your state.

The most recommended method to compare rates is to take advantage of the fact most of the larger companies provide online access to give you rate quotes. To begin a comparison, all you need to do is give the companies some data like any included safety features, your education level, daily mileage, and your occupation. That rating data is instantly sent to insurance carriers in your area and they return quotes almost instantly.

Insurance agents can help

When buying the best insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique.

These are some specific questions could help you determine whether or not you might need an agent’s assistance.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Can I drive in Mexico and have coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • What is an SR-22 filing?
  • Do I have newly-aquired coverage?
  • Are there companies who specialize in insuring high-risk drivers?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

Insurance coverage basics

Knowing the specifics of your policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Liability auto insurance

Liability coverage protects you from damages or injuries you inflict on people or other property. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as emergency aid, medical expenses and court costs. How much coverage you buy is up to you, but consider buying as much as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like nursing services, X-ray expenses, ambulance fees, surgery and dental work. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage protection

Collision coverage 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 then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as backing into a parked car, hitting a mailbox, colliding with a tree, rolling your car and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, a broken windshield, damage from a tornado or hurricane, fire damage and vandalism. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Be a smart shopper

When shopping online for insurance, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut full coverage to discover at claim time that the savings was not a smart move. Your aim should be to purchase plenty of coverage at a price you can afford.

Consumers who switch companies do it for a number of reasons such as high rates after DUI convictions, an unsatisfactory settlement offer, delays in responding to claim requests or even policy non-renewal. Regardless of your reason, choosing a new insurance company is not as difficult as it may seem.

We just presented a lot of ways to reduce 1998 Chevy Blazer insurance prices online. The most important thing to understand is the more you quote, the better your comparison will be. You may even discover the best prices are with a lesser-known regional company.

Even more information can be found by following these links: