1990 Chevrolet Blazer Insurance Rates – 6 Policy Discounts

Trying to find lower car insurance rates for your Chevrolet Blazer? Did a good deal turn into an underperforming, overpriced car insurance policy? Don’t feel bad because many drivers have buyer’s remorse.

Online insurance companies like Progressive, Geico and Farmers Insurance all promote huge savings with TV and radio ads and it is difficult to see past the geckos and flying pigs and take the time to shop coverage around.

It is always a good idea to compare premium rates before your next renewal because insurance prices are usually higher with each renewal. Just because you found the best deal on Blazer insurance two years ago there is a good chance you can find better premium rates now. You can find a lot of misleading information regarding car insurance online, but in this article, you’re going to get a lot of great tips on how to save money.

If you currently have a car insurance policy, you will be able to save some money using these techniques. Choosing the best insurance company for you is not rocket science. Nevertheless, car owners must understand the methods companies use to market insurance on the web and take advantage of how the system works.

The method we recommend to get rate comparisons is to realize most larger insurance companies allow for online access to provide you with free rate quotes. The only thing you need to do is give them some information including whether you are married, your job, if it has an alarm system, and whether you drive to work or school. Your information gets transmitted to insurance companies and you will receive price estimates instantly to find the best rate.

How to know if you need help

When buying adequate coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique so this has to be addressed. These are some specific questions might help in determining if you will benefit from professional help.

• Do I need PIP coverage since I have good health insurance?
• I don’t drive much so do I pay less?
• Does coverage extend to Mexico or Canada?
• How much liability do I need to cover my assets?
• When should I buy a commercial auto policy?
• What is no-fault insurance?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Educate yourself about auto insurance coverages

Understanding the coverages of your auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages found on most auto insurance policies.

Coverage for liability – This coverage will cover damage or injury you incur to other people or property. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as repair bills for other people’s vehicles, legal defense fees, attorney fees and funeral expenses. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Comprehensive coverage – This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from a tornado or hurricane, hitting a deer, falling objects, theft and a broken windshield. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your 1990 Chevy Blazer.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these coverages are similar to your liability insurance amounts.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for bills like ambulance fees, hospital visits, nursing services and chiropractic care. They are used to fill the gap from your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Collision – Collision insurance covers damage to your Blazer from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a ditch, crashing into a building, driving through your garage door and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.