Compare 1997 Chevrolet Blazer Car Insurance Rates

Want lower insurance coverage rates for your Chevrolet Blazer? Overwhelmed by the dozens of insurance coverage choices? Many other consumers are too. You have so many companies to choose from that it can quickly become a challenge to find better rates.

It’s important to get comparison quotes on a regular basis because insurance rates are variable and change quite frequently. Even if you think you had the lowest rates on Blazer insurance last year you will most likely find a better rate today. Starting right now, block out anything you think you know about insurance coverage because you’re about to learn the right way to save money, get proper coverage and the best rates.

If you currently have a car insurance policy, you will be able to cut costs considerably using this strategy. The purpose of this article is to tell you how car insurance quotes work. Although drivers can benefit from knowing how big insurance companies compete online because it can help you find the best coverage.

Chevy Blazer insurance rates consist of many parts

It’s important that you understand some of the elements that help determine insurance rates. Knowing what influences your rates empowers consumers to make smart changes that could result in better insurance rates.

The following are a few of the “ingredients” used by your company to calculate premiums.

  • Do you know you’re credit rating? – A driver’s credit score is a huge factor in your rate calculation. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have poor credit. If your credit is low, you could pay less to insure your 1997 Chevrolet Blazer by spending a little time repairing your credit.
  • Consolidate policies to earn discounts – Some companies will give a discount to people who carry more than one policy. It’s known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. If you currently are using one company, it’s still a good idea to shop around to ensure the best deal.
  • Special features that cut premiums – Owning a car with an alarm system can help bring down rates. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.
  • High numbers of claims are not good – If you frequently file small claims, you can look forward to either higher rates or even cancellation. Car insurance companies award cheaper rates to insureds who file claims infrequently. Car insurance is meant to be used in the event of larger claims.
  • Poor driving leads to higher costs – Good drivers have lower premiums compared to drivers with tickets. Even a single moving violation can increase rates by as much as thirty percent. Drivers who get flagrant violations such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 form to the state department of motor vehicles in order to keep their license.

Save with discounts on Chevy Blazer insurance

Insurance can be prohibitively expensive, but there could be available discounts to help bring down the price. Some trigger automatically at the time of purchase, but lesser-known reductions have to be asked for prior to receiving the credit.

  • Life Insurance Discount – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Chevy could be rewarded with a substantially lower rate.
  • Good Student – This discount can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Multi-car Discount – Having more than one vehicle on one policy can get a discount on all vehicles.
  • Paperless Signup – A few companies give back up to $50 simply for signing over the internet.
  • Bundle and Save – When you have multiple policies with one insurance company you may save 10% to 20% off each policy.
  • Student in College – Any of your kids who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Safe Drivers – Insureds without accidents may receive a discount up to 45% less on Blazer insurance than drivers with accidents.
  • No Claims – Drivers who don’t have accidents pay less when compared with accident-prone drivers.
  • Military Rewards – Being on active duty in the military could mean lower rates.

As a disclaimer on discounts, many deductions do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like medical payments or collision. So when it seems like you can get free auto insurance, you’re out of luck. But any discount will reduce your premiums.

Companies that may have these benefits include:

It’s a good idea to ask each company which discounts they offer. Savings may not apply in your state.

Tailor your coverage to you

When it comes to choosing the best insurance coverage for your vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s.

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

  • What is no-fault insurance?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my ex-spouse still covered by my policy?
  • Is my camper covered by my car insurance policy?
  • Can my teen driver be rated on a liability-only vehicle?
  • What is high-risk coverage and where do I buy it?
  • How high should my medical payments coverage be?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance policy specifics

Understanding the coverages of your auto insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Comprehensive or Other Than Collision

This covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, a broken windshield and damage from flooding. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability coverage

This coverage can cover damages or injuries you inflict on other’s property or people. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as bail bonds, court costs and loss of income. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM Coverage

Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 1997 Chevy Blazer.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Most of the time these limits do not exceed the liability coverage limits.

Collision insurance

Collision insurance pays for damage to your Blazer resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like colliding with another moving vehicle, damaging your car on a curb and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for nursing services, doctor visits, X-ray expenses, chiropractic care and pain medications. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Knowledge is power

Throughout this article, we presented some good ideas how you can reduce 1997 Chevy Blazer insurance prices online. The key thing to remember is the more times you quote, the better likelihood of reducing your rate. Consumers may even find the lowest rates come from the least-expected company.

Insureds switch companies for many reasons like policy cancellation, denial of a claim, being labeled a high risk driver and policy non-renewal. Whatever your reason, finding the right insurance coverage provider can be easier than you think.

When buying insurance coverage, never reduce needed coverages to save money. There have been many situations where an insured cut liability coverage limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase a proper amount of coverage at the best price.

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