View 1995 Chevrolet Blazer Car Insurance Cost

Are you irritated from trying to scrape together enough money to pay car insurance each month? Your situation is no different than many other vehicle owners. Vehicle owners have so many car insurance companies to insure vehicles with, and although it’s a good thing to have a choice, it can be more difficult to find the lowest rates.

Buy car insurance online

Most major insurance companies such as Allstate and Progressive make it easy to get price estimates direct online. Comparing rates online is quite simple because it’s just a matter of typing in the coverages you want as detailed in the form. When complete, their rating system requests your driving record and credit report and returns pricing information determined by many factors. Online quotes makes it simple to compare prices but the time it takes to visit multiple sites and fill out multiple forms can be a bit tiresome and repetitive. But it’s also necessary to get many rate quotes in order to find the lowest car insurance rates.

There is a better way!

An easier way to lower your rates makes use of a single form to obtain quotes from several different companies. The form is fast, requires much less work on your part, and makes rate comparisons much easier. Immediately after you send the form, it is rated and you are able to buy any of the price quotes you receive. If you find a better price it’s easy to complete the application and purchase the new policy. The entire process can be completed in less than 10 minutes and you will know how your current rates stack up.

If you want to get comparison pricing now, click here and enter your information. If you have your current policy handy, we recommend you input deductibles and limits exactly as they are listed on your policy. This makes sure you will get a fair comparison for the exact same coverage.

Verify you’re receiving every discount

Some insurers do not advertise every disount available in an easy-to-find place, so the below list has both the well known as well as the least known credits available to bring down your rates.

• Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to use a seat belt can save up to 15% on medical payment and PIP coverage.
• Save with More Vehicles Insured – Having more than one vehicle with one company qualifies for this discount.
• Online Discount – Some of the larger companies give back up to $50 for buying a policy and signing up on the internet.
• Theft Prevention Discount – Cars and trucks optioned with advanced anti-theft systems are stolen with less frequency and earn discounts up to 10% off your insurance quote.
• Pay Early and Save – By paying your entire bill at once as opposed to paying monthly you can avoid the installment charge.
• Senior Discount – If you’re over the age of 55, you could receive better car insurance rates for Blazer insurance.
• Clubs and Organizations – Participating in qualifying clubs or civic groups could qualify you for a break on your next car insurance statement.
• Fewer Miles Equal More Savings – Keeping the miles down on your Chevy could be rewarded with cheaper rates.
• Accident-Free Discounts – Insureds who avoid accidents and claims can earn big discounts as opposed to drivers who are more careless.
• Home Ownership Discount – Just being a homeowner can get you a discount because it shows financial diligence.

As is typical with insurance, most discounts do not apply to the entire cost. Most only cut specific coverage prices like liability and collision coverage. Even though it may seem like you could get a free car insurance policy, insurance companies wouldn’t stay in business.

Popular car insurance companies and their possible discounts are detailed below.

• American Family includes discounts for TimeAway discount, good driver, Steer into Savings, mySafetyValet, bundled insurance, good student, and accident-free.
• Nationwide policyholders can earn discounts including family plan, multi-policy, accident-free, Farm Bureau membership, anti-theft, and defensive driving.
• MetLife may have discounts that include multi-policy, defensive driver, good student, claim-free, good driver, and accident-free.
• 21st Century offers discounts including theft prevention, anti-lock brakes, air bags, teen driver, and defensive driver.
• Farmers Insurance offers discounts for multi-car, electronic funds transfer, alternative fuel, mature driver, youthful driver, bundle discounts, and distant student.
• Allstate may include discounts for senior citizen, good student, utility vehicle, new car, and FullPay discount.

Before you buy a policy, ask every company the best way to save money. Depending on the company, some discounts may not apply to policyholders in your area. To see insurance companies that offer multiple discounts, click here.

When should I discuss my situation with an agent?

When it comes to choosing proper insurance coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different and your policy should reflect that. For instance, these questions can help discover if your insurance needs would benefit from an agent’s advice.

• When should I drop full coverage on my 1995 Chevy Blazer?
• Should I bundle my homeowners policy with my auto?
• Does my 1995 Chevy Blazer need full coverage?
• Is pleasure use cheaper than using my 1995 Chevy Blazer to commute?
• Should I drop comprehensive coverage on older vehicles?
• When should my teen driver be added to my policy?
• Do I need medical payments coverage since I have good health insurance?
• Do I have coverage if my license is suspended?
• Do I pay less if my vehicle is kept in my garage?
• Do I need special endorsements for business use of my vehicle?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Insurance coverages explained

Understanding the coverages of your insurance policy helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types available from insurance companies.

Uninsured or underinsured coverage – This coverage provides protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive protection – Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like rock chips in glass, hail damage, damage from getting keyed, a broken windshield and hitting a bird. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage covers damage to your Blazer caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like sustaining damage from a pot hole, backing into a parked car and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Liability – Liability coverage provides protection from damage or injury you incur to a person or their property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like funeral expenses, repair costs for stationary objects, emergency aid and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like ambulance fees, rehabilitation expenses, surgery and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage