1994 Chevrolet Blazer Insurance Quotes

Looking for the cheapest insurance coverage rates for your Chevrolet Blazer? Finding the cheapest insurance for a new or used Chevy Blazer can be a lot of work, but you can use these tips to make it easier.

There is a better way to find insurance coverage online and we’ll show you the proper way to price shop coverage for a Chevy and locate the lowest price from local insurance agents and online providers.

If you have a current car insurance policy or need new coverage, you can use these techniques to reduce the price you pay while maximizing coverage. Finding the lowest cost car insurance is easy if you know what you’re doing. Drivers only need to know the most effective way to compare prices online.

Cheapest auto insurance rate quotes

All the larger auto insurance companies such as Progressive, Geico, Allstate and State Farm provide coverage prices directly from their websites. Comparing prices online doesn’t take a lot of time because you just enter on the page. When complete, the company’s rating system makes automated requests for credit information and your driving record and quotes a price based on many factors.

This simplifies rate comparisons, but the time it takes to visit many different websites and enter the same data into a form is a waste of time. Unfortunately, it is important to compare as many rates as possible if you want to find a lower rate.

There is an easier way to compare rates

A more efficient way to lower your auto insurance bill uses just one form to return rates from a bunch of companies at once. It’s a real time-saver, helps eliminate reptitive entry, and makes online quotes much easier. Once the form is submitted, it gets priced and you can select any of the price quotes you receive.

If the quotes result in lower rates, you can click and sign and purchase coverage. This process takes less than 15 minutes and you’ll know if lower rates are available.

If you want to use this form to compare rates, simply click here to open in new window and input your coverage information. To compare your current rates, we recommend you type in the insurance coverages identical to your current policy. This makes sure you will get rate comparison quotes based on similar coverages.

Do drivers who switch really save?

Consumers can’t get away from ads that promise big savings for switching by Progressive, Geico, Allstate and State Farm. They all seem to have a common claim that you can save if you just switch your policy.

How does each company lower your prices? This is how they do it.

Companies quote their cheapest rates for the type of customer they prefer to insure. An example of a preferred risk could be between the ages of 30 and 45, has no claims, and has a short commute. Anyone who matches those parameters will get the preferred car insurance rates and will also save quite a bit of money when switching.

Drivers who cannot meet this ideal profile will see higher prices and ends up with the customer not buying. If you listen to the ad wording, they say “people who switch” but not “all drivers who get quotes” save that much when switching. That’s the way companies can advertise the savings.

This really illustrates why it’s extremely important to compare price quotes frequently. It’s impossible to know which insurance companies will have the lowest rate quotes.

Do you qualify for discount insurance?

Insurance is neither fun to buy or cheap, but you can get discounts to reduce the price significantly. Certain discounts will be triggered automatically when you quote, but some may not be applied and must be specifically requested before they will apply.

• Passive Restraints – Vehicles with factory air bags or motorized seat belts may qualify for discounts up to 30%.
• Multi-car Discount – Buying coverage for several vehicles with one company could earn a price break for each car.
• Sign Early and Save – Some companies give discounts for buying a new policy early. It can save you around 10%.
• Telematics Data Discounts – Drivers who agree to allow driving data collection to look at their driving habits by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could possibly reduce rates if their driving habits are good.
• Multi-line Discount – If the company offers life insurance, you could get a discount if you purchase a life insurance policy as well.
• Senior Discount – Drivers that qualify as senior citizens can possibly qualify for better insurance rates on Blazer insurance.
• Responsible Driver Discounts – Safe drivers can save up to 40% or more on their auto insurance quote on Blazer insurance than less cautious drivers.
• Discounts for Federal Employees – Active or retired federal employment can save as much as 8% on Blazer insurance depending on your insurance provider.

As a sidenote, some of the credits will not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. Just because it seems like you can get free auto insurance, nobody gets a free ride.

A list of companies and a summarized list of policyholder discounts are:

• Progressive offers discounts including homeowner, online quote discount, good student, multi-vehicle, multi-policy, and continuous coverage.
• The Hartford offers discounts for bundle, driver training, defensive driver, anti-theft, and air bag.
• Mercury Insurance has discounts for annual mileage, low natural disaster claims, multi-car, good driver, type of vehicle, and good student.
• Geico policyholders can earn discounts including five-year accident-free, good student, daytime running lights, driver training, emergency military deployment, defensive driver, and military active duty.
• AAA may have discounts that include multi-car, anti-theft, multi-policy, AAA membership discount, good student, and education and occupation.
• State Farm includes discounts for student away at school, anti-theft, Steer Clear safe driver discount, accident-free, and multiple policy.

Double check with each insurance company how you can save money. Discounts may not be offered in your area. If you would like to view companies with discount insurance rates, click here.

What insurance coverages do I need?

When it comes to buying the right insurance coverage, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out if your situation might need an agent’s assistance.

• Can I get a multi-policy discount?
• Will my rates increase for filing one claim?
• Am I covered if I crash into my own garage door?
• Should I buy only the required minimum liability coverage?
• If I drive on a suspended license am I covered?
• Does my 1994 Chevy Blazer need full coverage?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Learn about auto insurance coverages for a Chevy Blazer

Knowing the specifics of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your 1994 Chevy Blazer.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Coverage for collisions

Collision coverage will pay to fix damage to your Blazer resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as scraping a guard rail, hitting a mailbox, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hitting a bird, rock chips in glass and hitting a deer. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability insurance

Liability coverage can cover damages or injuries you inflict on people or other property in an accident. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things like repair costs for stationary objects, loss of income, pain and suffering and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for short-term medical expenses such as pain medications, hospital visits, prosthetic devices and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

More comparisons equals lower rates

Cheaper 1994 Chevy Blazer insurance can be found online and from local insurance agents, and you should be comparing both to have the best rate selection. Some insurance coverage companies may not provide the ability to get quotes online and these smaller providers provide coverage only through independent agents.

Consumers change insurance companies for many reasons like denial of a claim, unfair underwriting practices, policy cancellation or questionable increases in premium. Regardless of your reason, switching insurance coverage companies is easier than you think.

In this article, we presented a lot of techniques to lower your 1994 Chevy Blazer insurance premium rates. The most important thing to understand is the more rate quotes you have, the higher your chance of finding the cheapest auto insurance. Consumers may even find the lowest priced insurance coverage comes from the least-expected company.

For more information, link through to these articles:

• Cellphones, Texting and Driving (iihs.org)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Distracted Driving Statistics (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• Understanding your Policy (NAIC.org)