Compare 1993 Chevrolet Blazer Insurance Rates

Shoppers have a choice when shopping for affordable Chevy Blazer insurance. They can either spend hours driving around to compare prices or use the internet to make rate comparisons.

There are more efficient ways to shop for insurance coverage and we’ll show you the absolute fastest way to price shop coverage for a new or used Chevy and find the lowest price from both online companies and local agents.

It’s a good idea to compare prices periodically because rates change frequently. Just because you had the lowest price for Blazer coverage a few years ago you will most likely find a better rate today. So block out anything you think you know about insurance coverage because I’m going to teach you one of the best ways to properly buy coverages and cut your premium.

If you have a current car insurance policy or are just looking to switch companies, you can learn to reduce the price you pay and possibly find even better coverage. This information will help you learn the best way to quote coverages. Drivers just need to understand the most efficient way to buy car insurance online.

How to Buy Insurance Coverage Online

Most companies like Allstate and Progressive give coverage price quotes on the web. The process is pretty easy as you just enter the coverage amounts you desire into a form. Behind the scenes, the company’s rating system pulls your credit score and driving record and gives you a price quote based on many factors.

Online quotes simplifies rate comparisons, but the work required to visit several different sites and fill out multiple forms can get tiresome after awhile. Unfortunately, it is important to do this in order to get lower prices.

A more efficient way to get multiple rate quotes is to use a quote form to return rates from more than one company. It’s a real time-saver, requires much less work on your part, and makes online price comparison much simpler. After sending the form, it is rated and you can select any of the price quotes you receive.

If you find a better price you can simply submit the application and purchase coverage. It can be completed in less than 10 minutes and may save quite a bit of money.

To save time and find out what other companies charge, click here and begin entering your coverage information. If you have a policy now, it’s recommended you duplicate the insurance coverages identical to your current policy. This helps ensure you will have a fair comparison based on identical coverages.

How much car insurance do I need?

When it comes to buying the right insurance coverage for your vehicles, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions may help highlight whether your personal situation might need an agent’s assistance.

• Is my cargo covered for damage or theft?
• How do I insure my teen driver?
• Is a fancy paint job covered?
• Why do I need rental car insurance?
• Can I still get insurance after a DUI?
• When should I not file a claim?
• Should I buy more coverage than the required minimum liability coverage?
• What discounts do I qualify for?
• Do I pay less if my vehicle is kept in my garage?
• What should my uninsured motorist coverage limits be in my state?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverage basics

Learning about specific coverages of your insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Collision coverages – This covers damage to your Blazer resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with a tree, sustaining damage from a pot hole and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, 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 coverages are identical to your policy’s liability coverage.

Auto liability insurance – Liability insurance provides protection from damages or injuries you inflict on people or other property. This coverage protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as repair bills for other people’s vehicles, bail bonds, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical costs insurance – Med pay and PIP coverage pay for immediate expenses such as chiropractic care, hospital visits, nursing services and doctor visits. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive or Other Than Collision – This covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, a tree branch falling on your vehicle, hail damage, damage from flooding and damage from a tornado or hurricane. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.