1990 Chevrolet Blazer Insurance Rates – 5 Tips for Cheaper Quotes

Trying to find lower car insurance rates for your Chevrolet Blazer? Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me, there are a lot of people just like you who feel imprisoned by their car insurance policy.

Because you have many companies and agents to choose from, it can be hard to locate the cheapest insurer.

It’s a great practice to do rate comparisons periodically because prices trend upward over time. Just because you found the best deal for Blazer insurance a few years ago other companies may now be cheaper. There is a lot of bad information regarding car insurance online but we’re going to give you some guaranteed methods to find affordable car insurance.

The purpose of this post is to familiarize you with how car insurance quotes work and some money-saving tips. If you have car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Nevertheless, vehicle owners do need to understand how the larger insurance companies market on the web and take advantage of how the system works.

Compare Insurance Costs

To find the best insurance prices, there are several ways to get quotes from different insurance companies. The easiest way by far to find competitive 1990 Chevy Blazer insurance rates is to get quotes online. This can be accomplished using a couple different methods.

1. The best way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This method eliminates the need for repetitive form submissions for every insurance company. In just a few minutes this one form gets rate comparisons direct from many companies.
2. A more time consuming way to compare rate quotes requires you to visit the website for each individual company and fill out their own quote form. For sake of this example, let’s assume you want to compare USAA, Farmers and Liberty Mutual. To find out each rate you need to spend time on each company’s site and enter your policy data, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.
3. The hardest method to compare rates is driving around to local insurance agencies. Shopping for insurance online can eliminate the need for a local agent unless you have a need for the professional advice of a licensed agent. It is possible to obtain prices from the web and get advice from an agent in your area and we’ll talk about that later.

It’s up to you which method you use, but compare exactly the same deductibles and coverage limits for every quote you compare. If the quotes have differing limits you will not be able to determine the lowest rate for your Chevy Blazer. Just a small difference in coverage limits may cause a big price difference. And when quoting insurance, remember that comparing a large number of companies helps you find the best price.

Is my situation unique?

When buying adequate 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 may help highlight whether you would benefit from an agent’s advice.

• Can I make deliveries for my home business?
• Are split liability limits better than a combined single limit?
• How do I insure my teen driver?
• Should I waive the damage coverage when renting a car?
• Does car insurance cover theft of personal property?
• Should I have a commercial auto policy?
• What is covered by UM/UIM coverage?
• Where can I find DUI or SR-22 insurance?

If you don’t know the answers to these questions, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area.

Detailed coverages of your auto insurance policy

Having a good grasp of auto insurance aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most auto insurance policies.

Collision coverage protection

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as scraping a guard rail, colliding with another moving vehicle, hitting a parking meter, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Coverage for medical payments

Med pay and PIP coverage reimburse you for immediate expenses for things like surgery, nursing services, prosthetic devices and doctor visits. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverages

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, damage from flooding, hail damage, damage from a tornado or hurricane and hitting a deer. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for liability

Liability coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as court costs, medical services, structural damage and repair costs for stationary objects. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually these limits are identical to your policy’s liability coverage.