1992 Chevrolet Blazer Insurance Quotes

Looking for better auto insurance rates for your Chevrolet Blazer? Having to pay for overpriced auto insurance can take a big chunk out of your savings account and force you to prioritize other expenses. Shopping your coverage around is a great way to make sure you’re not throwing money away.

Drivers have so many insurance companies to insure vehicles with, and although it’s nice to have multiple companies, so many choices can make it hard to find the best rates for your vehicles.

It’s smart to compare prices once or twice a year since insurance rates go up and down regularly. If you had the lowest price on Blazer insurance on your last policy you can probably find a lower rate today. Starting right now, ignore everything you know about auto insurance because you’re going to get a crash course in one of the best ways to lower your annual insurance bill.

Finding cheaper coverage is easy if you know what you’re doing. In a nutshell, anyone who shops for auto insurance most likely will be able to find better rates. But vehicle owners must understand how companies determine prices and take advantage of how the system works.

Auto Insurance Comparison Rates

Performing a rate comparison can be a daunting task if you aren’t aware of the easiest way. You could waste time talking to insurance companies in your area, or you can utilize online quotes to get rates in a matter of minutes.

Many popular insurance companies take part in a program where prospective buyers send in one quote, and each company then gives them pricing for coverage. This system prevents you from having to do repetitive form submissions to every company. To enter your information into the quoting system, click here (opens in new window).

One minor caviat to doing it this way is you are unable to specify the companies to get quotes from. If you would rather choose from a list of companies to compare, we have a listing of auto insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, ensure you’re using the exact same coverage information on every quote. If each company quotes higher or lower deductibles you can’t possibly find the best deal for your Chevy Blazer. Slightly different coverages can mean a large discrepancy in price. And when quoting auto insurance, remember that having more price comparisons provides better odds of finding better pricing.

Tailor your coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Each situation is unique so your insurance needs to address that. For example, these questions might help in determining if your insurance needs might need professional guidance.

  • Is my cargo covered for damage or theft?
  • Are my friends covered when driving my car?
  • I don’t drive much so do I pay less?
  • When does my teenage driver need to be added to my policy?
  • Does coverage extend to my business vehicle?
  • Why am I required to buy liability insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Car insurance specifics

Knowing the specifics of your policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. These are typical coverages available from car insurance companies.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Chevy Blazer.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

Collision – This coverage covers damage to your Blazer from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like hitting a mailbox, damaging your car on a curb, backing into a parked car and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive car insurance – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as vandalism, damage from flooding and a broken windshield. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability auto insurance – This will cover damages or injuries you inflict on a person or their property that is your fault. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as repair costs for stationary objects, legal defense fees, repair bills for other people’s vehicles and medical expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for rehabilitation expenses, dental work, funeral costs and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage