1998 Chevrolet Blazer Car Insurance Quotes – 10 Ways to Save

Have you had enough of not being able to afford to pay your car insurance bill each month? You are no different than many other drivers.

Many auto insurance companies vie for your hard-earned dollar, so it’s not easy to compare every company and get the definite best rates possible.

You should take the time to compare rates periodically since insurance rates are rarely the same from one policy term to another. Just because you found the lowest rates for Blazer insurance six months ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance because you’re about to learn the only way to reduce your cost while improving coverage.

If you are paying for car insurance now, you will be able to lower your premiums substantially using these methods. Buying car insurance is not rocket science. But consumers do need to learn the way insurance companies price online insurance.

Comprehensive Car Insurance Comparison

All major car insurance companies such as State Farm, Allstate and Geico give insurance quotes online. Getting online rates is quite easy as you just type in your coverage preferences as requested by the quote form. Behind the scenes, their system will order reports for credit and driving violations and returns pricing information based on many factors. Online price quotes simplifies rate comparisons, but the work required to visit a lot of sites and fill out multiple forms is not the best way to spend an afternoon. But it’s very important to get many rate quotes if you want to find the lowest price.

A more efficient way to find better car insurance pricing makes use of a single form that obtains quotes from several companies at one time. The form is fast, eliminates form submissions, and makes price shopping online much more enjoyable. After sending your information, it gets priced and you can select any or none of the quote results. If the quotes result in lower rates, you simply finish the application and buy the policy. The whole process just takes a couple of minutes and can result in significant savings.

In order to get comparison pricing now, click here and enter your information. To compare your current rates, we recommend you replicate the coverages exactly as shown on your declarations page. This ensures you will be getting rate quotes based on similar coverages.

Don’t listen to company ads

Companies like State Farm, Allstate and Geico regularly use ads on TV and radio. All the ads make the same claim that you can save if you move your policy. How does each company make the same claim? It’s all in the numbers.

All companies can use profiling for the right customer that is profitable for them. An example of a driver they prefer could be between the ages of 40 and 55, has no prior claims, and drives newer vehicles. A customer getting a price quote who fits that profile will get the preferred rates and most likely will save a lot of money.

Potential customers who fall outside the “perfect” profile will be quoted more money which leads to business not being written. Company advertisements say “customers who switch” not “people who quote” save money. This is how insurance companies can make those claims. This emphasizes why it is so important to compare many company’s rates. It is impossible to predict which company will have the lowest Chevy Blazer insurance rates.

Cut prices on 1998 Chevy Blazer insurance

Car insurance companies don’t always list all their discounts in an easy-to-find place, so here is a list both well-publicized as well as the least known insurance coverage savings.

  • New Car Discount – Insuring a new car is cheaper since new cars are generally safer.
  • Bundle and Save – If you insure your home and vehicles with one insurance company you could get a discount of approximately 10% to 15%.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.
  • Safety Course Discount – Completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
  • Life Insurance – Companies who offer life insurance give a break if you buy life insurance from them.
  • Multiple Vehicles – Having multiple vehicles with the same company could earn a price break for each car.
  • Government Employees – Employees or retirees of the government may qualify you for a discount for Blazer insurance depending on your company.
  • Homeowners Discount – Being a homeowner may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Military Discounts – Being deployed with a military unit could be rewarded with lower premiums.

As a disclaimer on discounts, most discounts do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as comprehensive or collision. So even though it sounds like you can get free auto insurance, insurance coverage companies aren’t that generous.

Companies that may have these benefits include:

Check with each company how you can save money. Some discounts might not be offered in your state.

Tailor your coverage to you

When it comes to choosing adequate coverage, there really is not a one size fits all plan. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that might help in determining whether you would benefit from professional advice.

  • Does having multiple vehicles earn me a discount?
  • When would I need rental car insurance?
  • Does insurance cover damages from a DUI accident?
  • Do I need PIP coverage since I have good health insurance?
  • Am I covered when pulling a rental trailer?
  • Should I rate my 1998 Chevy Blazer as pleasure use or commute?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What is an SR-22 filing?
  • Is extra glass coverage worth it?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

What insurance coverages do you need?

Having a good grasp of a insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types found on the average insurance policy.

Collision coverage – Collision insurance will pay to fix damage to your Blazer caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with another moving vehicle, hitting a mailbox, sideswiping another vehicle, rolling your car and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for doctor visits, nursing services, pain medications and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability – This coverage protects you from injuries or damage you cause to a person or their property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for 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. Your policy might show values of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as repair costs for stationary objects, court costs and pain and suffering. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, rock chips in glass and a broken windshield. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Chevy Blazer.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Quote more, save more

When buying insurance coverage, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced liability limits or collision coverage and found out when filing a claim that it was a big mistake. Your focus should be to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

Budget-conscious 1998 Chevy Blazer insurance is definitely available on the web as well as from independent agents, and you should be comparing both to have the best selection. Some insurance companies don’t offer online price quotes and most of the time these small, regional companies sell through independent agents.

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