1999 Chevrolet Blazer Car Insurance Quotes – 6 Discounts for Cheapest Rates

Looking for lower car insurance rates for your Chevrolet Blazer? Feel like you’re a prisoner to overpriced car insurance? Trust us when we tell you you are not the only one feeling buyer’s remorse.

Companies like Progressive, State Farm and Geico all claim big savings, bombarding you with ad campaigns and consumers find it hard to ignore the flying pigs and cute green geckos and find the best price available.

Pay less for 1999 Chevy Blazer insurance

Companies offering auto insurance don’t list every available discount very well, so here is a list some of the more common as well as the least known discounts you could be receiving.

  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Good Student Discount – Getting good grades can save 20 to 25%. The discount lasts until age 25.
  • Club Memberships – Affiliation with a qualifying organization could trigger savings on insurance for Blazer coverage.
  • Auto/Life Discount – Larger companies have a discount if you purchase life insurance from them.
  • Government Employees – Simply working for the federal government can earn a discount up to 10% for Blazer coverage with a few insurance companies.
  • Homeowners Discount – Being a homeowner may earn you a small savings due to the fact that maintaining a home requires personal responsibility.

It’s important to understand that many deductions do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, it doesn’t quite work that way.

A partial list of companies that may have these money-saving discounts include:

Before buying, ask every prospective company what discounts are available to you. Some discounts might not apply in your state.

Comparison of Auto Insurance

There are a variety of methods to compare 1999 Chevy Blazer auto insurance prices but one way is more efficient than others. You can waste hours driving to insurance agencies in your area, or you could save time and use online quoting to get pricing more quickly.

Many insurance companies are enrolled in a marketplace that enables customers to submit their information once, and each company then returns a price quote based on that information. This saves time by eliminating quote forms for every auto insurance company.

To compare 1999 Chevy Blazer rates using this form now click here to open in new window.

The only downside to doing it this way is you can’t choose which carriers to receive prices from. So if you want to select specific providers to compare rates, we have a listing of companies who write auto insurance in your area. View list of insurance companies.

However you get your quotes, double check that you are using exactly the same coverage information on every quote you get. If each company quotes different values for each quote it will be impossible to find the best deal for your Chevy Blazer. Just a small difference in coverage limits can result in a big premium difference. And when comparison shopping, obtaining a wide range of quotes helps you find a better price.

Tailor your coverage to you

When it comes to buying the best car insurance coverage, there is no “perfect” insurance plan. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether you may require specific advice.

  • Should I sign the liability waiver when renting a car?
  • How can I force my company to pay a claim?
  • Is my teen driver covered when they drive my company car?
  • I have a DUI can I still get coverage?
  • Should I buy full coverage?
  • What happens if I owe more than my 1999 Chevy Blazer is worth?
  • Will my insurance pay for OEM parts?

If you can’t answer these questions, you might consider 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.

Beware of misleading insurance coverage ads

Companies like State Farm, Geico and Progressive consistently run ads on television and other media. All the ads say the same thing of big savings if you change to them. How do they all say the same thing?

All the different companies have a certain “appetite” for the type of customer that earns them a profit. An example of a desirable insured could be between the ages of 30 and 50, a clean driving record, and has excellent credit. Any driver that hits that “sweet spot” gets the lowest rates and as a result will probably save when they switch companies.

Drivers who do not match these standards must pay more money and ends up with the driver buying from a lower-cost company. The ad wording is “customers that switch” not “everyone that quotes” save that kind of money. That’s the way companies can make those claims. This illustrates why it is so important to quote coverage with many companies. It’s just too difficult to predict the company that will give you the biggest savings on Chevy Blazer insurance.

Specific coverage details

Having a good grasp of your car insurance policy can be of help when determining the right coverages for your vehicles. Car insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types available from car insurance companies.

Collision coverages – This coverage pays for damage to your Blazer caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as damaging your car on a curb, driving through your garage door and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Insurance for medical payments – Med pay and PIP coverage pay for bills for ambulance fees, chiropractic care, EMT expenses and X-ray expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Liability coverage – Liability coverage protects you from damage or injury you incur to a person or their property that is your fault. It protects you from claims by other people, and 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. Your policy might show policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like medical expenses, medical services, repair bills for other people’s vehicles, bail bonds and court costs. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like rock chips in glass, theft, fire damage and hitting a bird. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Spend less. Save more.

You just learned a lot of ways to shop for 1999 Chevy Blazer insurance online. The most important thing to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the most savings is with a small local company. Some small companies can often provide lower rates in certain areas than the large multi-state companies such as State Farm and Allstate.

As you go through the steps to switch your coverage, it’s very important that you do not reduce coverage to reduce premium. There are many occasions where an insured cut collision coverage only to find out that the few dollars in savings costed them thousands. The aim is to buy the best coverage you can find at an affordable rate while still protecting your assets.

The cheapest insurance can be bought both online as well as from independent agents, and you need to comparison shop both in order to have the best chance of saving money. A few companies don’t offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

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