View 1991 Chevrolet Blazer Car Insurance Quotes

Want lower insurance rates for your Chevrolet Blazer? Are you a victim of overpriced insurance? Believe me, you are not the only one feeling buyer’s remorse.

With so many insurance companies to choose from, it can be diffult for consumers to choose the best company.

Smart consumers take time to compare prices occasionally since rates fluctuate regularly. Just because you found the best price for Blazer coverage a couple years back you may be paying too much now. Starting right now, forget all the misinformation about insurance because you’re going to learn the easiest way to find lower rates on insurance.

The purpose of this article is to instruct you on how to effectively get price quotes and some money-saving tips. If you currently have car insurance, you will be able to reduce your rates substantially using these tips. Nevertheless, car owners can benefit from knowing how insurance companies market on the web and take advantage of how the system works.

How to Get Car Insurance

Most companies like State Farm, Allstate and Geico provide coverage price quotes directly from their websites. Getting online quotes doesn’t take much effort as you just type in the coverages you want as requested by the quote form. Once you submit the form, their rating system pulls your credit score and driving record and provides a quote. This makes comparing rates easy, but the time it takes to visit a lot of sites and fill out multiple forms is not the best way to spend an afternoon. Unfortunately, it is important to do this in order to get the lowest price.

The quickest way to find better car insurance pricing uses one form to get prices from a lot of companies. It saves time, reduces the work, and makes rate comparisons much more enjoyable. Immediately after submitting the form, it is quoted with multiple companies and you can pick any one of the quotes that you receive.

If you find a better price you can click and sign and buy the policy. The entire process takes 15 minutes at the most and you will know how your current rates stack up.

To compare rates now, click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you complete the form with your coverages exactly as shown on your declarations page. Doing this assures you are getting a price comparison based on similar coverages.

Don’t miss out on these money-saving discounts

Insurance can cost an arm and a leg, but you may find discounts to help bring down the price. Certain discounts will be applied at the time of purchase, but less common discounts must be specifically requested before you will receive the discount.

  • Theft Prevention Discount – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Discount for New Cars – Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Sign Early and Save – A few companies offer discounts for buying a policy prior to your current policy expiration. It can save you around 10%.
  • Safety Course Discount – Successfully completing a defensive driving course could save 5% or more depending on where you live.
  • Auto/Life Discount – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • Accident Forgiveness – Certain companies will allow you to have one accident before raising your premiums if you are claim-free for a set time period.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off for Blazer coverage with select insurance companies.
  • Club Memberships – Being a member of a professional or civic organization may earn a discount when buying insurance for Blazer coverage.
  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can get savings up to 30%.
  • Multi-car Discount – Insuring more than one vehicle on the same insurance policy can get a discount on all vehicles.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Most cut individual premiums such as collision or personal injury protection. So even though they make it sound like you can get free auto insurance, it just doesn’t work that way. Any amount of discount will bring down your overall premium however.

Companies that may have these money-saving discounts are:

Before buying, ask every prospective company which discounts they offer. Savings might not be offered in your area.

Elements that influence Chevy Blazer insurance rates

An important part of buying insurance is that you know the different types of things that go into determining the rates you pay for insurance. Knowing what influences your rates allows you to make educated decisions that will entitle you to lower insurance prices.

Listed below are a few of the “ingredients” companies use to determine prices.

  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores can get you lower premiums. Safe vehicles have better occupant injury protection and any reduction in injury severity means less money paid by your insurance company and more competitive rates for policyholders. If your Chevy is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • More claims means more premium – Companies provide discounts to people who file claims infrequently. If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • More than one policy can earn a discount – Some insurance companies provide better rates to people who consolidate policies with them. It’s known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even though this discount sounds good, you may still want to comparison shop to confirm you are receiving the best rates possible. Drivers may still find better rates by buying insurance from more than one company.
  • Pleasure use saves money – The higher the mileage driven in a year’s time the more you will pay for insurance. The majority of insurers rate vehicles determined by how the vehicle is used. Vehicles not used for work or commuting get more affordable rates as compared to vehicles used primarily for driving to work. If your policy improperly rates your Blazer may be costing you. Ask your agent if your insurance declarations sheet is rated on the correct usage for each vehicle.
  • Extra coverages can waste money – There are a lot of additional coverages that can waste your money on your insurance policy. Coverages like personal injury protection, accident forgiveness and membership fees may be costing you every month. They may seem good initially, but your needs may have changed so get rid of them and save.
  • Never go without insurance – Not having insurance is a misdemeanor and you will pay a penalty because you let your insurance lapse. Not only will rates go up, failure to provide proof of insurance might get you a license revocation or jail time.You may have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.

Do I need special coverages?

When it comes to choosing the best car insurance coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions may help you determine whether or not you would benefit from an agent’s advice.

  • Why am I required to get a high-risk car insurance policy?
  • Do I need roadside assistance coverage?
  • What if I owe more than I can insure my car for?
  • Is my 1991 Chevy Blazer covered for smoke damage?
  • Is my state a no-fault state?
  • What is the minimum liability in my state?
  • Is a blown tire covered by insurance?
  • Should I drop comprehensive coverage on older vehicles?
  • Should I get collision insurance on every vehicle?

If it’s difficult to answer those questions then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Don’t be fooled by advertising claims

Insurance coverage companies such as State Farm, Allstate and Geico regularly use television and radio advertisements. They all seem to make the same claim of big savings if you move to their company. How can each company say the same thing?

Insurance companies are able to cherry pick for the driver that earns them a profit. For example, a profitable customer might be a mature driver, is a homeowner, and chooses high deductibles. A customer who fits that profile will get very good rates and most likely will save when switching.

Drivers who fall outside these standards will be quoted higher rates and ends up with the customer not buying. The ads say “people who switch” but not “drivers who get quotes” save money. That’s the way insurance companies can claim big savings.

This emphasizes why drivers must get a wide range of price quotes. You cannot predict which company will fit your personal profile best.

Auto insurance coverages 101

Having a good grasp of your auto insurance policy can be of help when determining which coverages you need for your vehicles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. These are typical coverage types offered by auto insurance companies.

Comprehensive auto insurance – This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like theft, damage from flooding, hitting a deer, rock chips in glass and falling objects. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverages – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as driving through your garage door, crashing into a ditch, hitting a parking meter and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like nursing services, pain medications, surgery, dental work and chiropractic care. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Chevy Blazer.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important. Usually these coverages are set the same as your liablity limits.

Liability coverage – Liability insurance protects you from damages or injuries you inflict on other people or property that is your fault. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as emergency aid, repair costs for stationary objects and structural damage. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Quote often and quote early

While you’re price shopping online, do not skimp on coverage in order to save money. In many instances, drivers have reduced collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

We just presented a lot of techniques to reduce 1991 Chevy Blazer insurance prices online. The key concept to understand is the more quotes you get, the higher your chance of finding lower rates. Drivers may discover the biggest savings come from the smaller companies. These companies often have lower prices on specific markets than the large multi-state companies such as Progressive and Geico.

More tips and info about insurance can be read at these sites: