Cheap 1996 Chevrolet Blazer Car Insurance Cost

Searching for better auto insurance rates for your Chevrolet Blazer? Shopping for low-cost auto insurance on the web might seem problematic for vehicle owners who are beginners to quoting and comparing and buying auto insurance over the internet. With such a big selection of agents and insurers to choose from, how can you even start to compare them all to find the best pricing?

It’s a good habit to get comparison quotes before your policy renews because auto insurance prices go up and down regularly. Even if you think you had the best deal for Blazer coverage at your last renewal you can probably find a lower rate today. Block out anything you think you know about auto insurance because you’re about to learn the fastest and easiest way to find lower rates on auto insurance.

Buy car insurance online

There are multiple methods to compare car insurance prices but there is one way that is less time-consuming than others. You could waste time driving to local insurance agents in your area, or you can stay home and use online quotes to achieve your goal.

The majority of car insurance companies belong to a marketplace that allows shoppers to enter their policy data once, and at least one company then gives them pricing for coverage. This system prevents you from having to do quote requests for every car insurance company.

To access this free quoting program, click to open in new window.

The only downside to getting quotes like this is you are unable to specify which insurance companies you want pricing from. So if you want to choose specific providers to compare rates, we have a listing of the cheapest car insurance companies in your area. View list of insurance companies.

How you compare quotes is your choice, just make sure you compare exactly the same information with every price quote. If you use unequal deductibles or liability limits it will be nearly impossible to make a fair rate comparison. Having just a slight variation in coverage limits can make a big difference in price. And when comparing car insurance rates, know that quoting more will increase your chances of finding the best rates.

Five things that determine your insurance rates

Lots of factors are considered when you quote your car insurance policy. Some are pretty understandable such as your driving record, but other criteria are less obvious such as your marital status or how financially stable you are.

• Credit score impacts premium prices – Having a bad credit score can be an important factor in calculating your premium rate. Insureds that have excellent credit scores tend to be better drivers and file fewer claims than drivers with lower ratings. If your credit leaves room for improvement, you could be paying less to insure your 1996 Chevrolet Blazer if you improve your credit rating.
• Bad drivers pay high prices – Having a clean driving record impacts your car insurance rates tremendously. Careful drivers pay less for auto insurance than their less careful counterparts. Having a single citation can increase the cost of insurance by twenty percent. Drivers who have received severe citations such as DUI or willful reckless driving may face state-mandated requirements to maintain a SR-22 with their state’s department of motor vehicles in order to legally drive.
• Liability protection is important – The liability coverage on your policy will provide protection if a jury decides you are liable for causing damage or personal injury in an accident. This coverage provides for a legal defense which can be incredibly expensive. Liability is cheap when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
• Teenage vs. mature drivers – Mature drivers are proven to be safer behind the wheel, tend to file fewer claims , and usually have better credit.Youthful drivers tend to be more careless when at the wheel of a vehicle so insurance rates are higher.
• Maintain insurance coverage – Letting your insurance expire is a sure-fire way to pay more for insurance. In addition to paying higher premiums, the inability to provide proof of insurance could result in a hefty fine and possibly a revoked license.

Auto insurance policy discounts you can’t miss

Car insurance companies do not list all possible discounts very well, so the list below details some of the more common in addition to some of the lesser obvious discounts you could be receiving when you buy insurance online.

• Discount for Multiple Policies – When you combine your auto and home insurance and insure them with the same company you may save up to 20% and get you inexpensive insurance.
• Good Student Discount – Performing well in school could provide a savings of up to 20% or more. Most companies allow this discount well after school through age 25.
• Multi-car Discount – Buying insurance for several vehicles on one policy qualifies for this discount.
• Discounts for Government Workers – Active or retired federal employment may reduce rates when you quote insurance for Blazer coverage depending on your auto insurance provider.
• Driver Education Discount – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
• Own a Home – Owning a house can earn you a little savings since owning and maintaining a home is proof of financial responsibility.
• Accident Forgiveness – Not necessarily a discount, but some companies like Progressive, Allstate, and Geico permit an accident before raising your premiums if your claims history is clear prior to the accident.
• Drive Safe and Save – Insureds without accidents can pay as much as 50% less for Blazer coverage compared to rates paid by drivers with frequent claims.

Don’t be shocked that most discounts do not apply to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. Despite the fact that it seems like adding up those discounts means a free policy, nobody gets a free ride.

Larger auto insurance companies and some of the discounts include:

• Geico offers discounts including military active duty, emergency military deployment, defensive driver, multi-vehicle, driver training, daytime running lights, and air bags.
• Travelers policyholders can earn discounts including early quote, save driver, continuous insurance, new car, IntelliDrive, hybrid/electric vehicle, and multi-policy.
• Farm Bureau includes discounts for renewal discount, youthful driver, multi-policy, good student, driver training, safe driver, and 55 and retired.
• Liberty Mutual discounts include new graduate, newly retired, multi-policy, new vehicle discount, newly married, safety features, and new move discount.
• American Family has savings for good driver, multi-vehicle, bundled insurance, accident-free, defensive driver, early bird, and TimeAway discount.
• Progressive may have discounts that include homeowner, online signing, continuous coverage, good student, multi-vehicle, and online quote discount.

When getting free insurance quotes, it’s a good idea to each company how you can save money. Some discounts may not apply to policies in your area. To locate providers that offer the discounts shown above, click this link.

Insurance agents can help

When buying proper insurance coverage, there really is not a one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining if your situation would benefit from professional advice.

• Can my teen drive my company car?
• Are rock chip repairs covered?
• Do I have coverage when making deliveries for my home business?
• When should I remove comp and collision on my 1996 Chevy Blazer?
• Should I file a claim if it’s only slightly more than my deductible?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Are there companies who specialize in insuring high-risk drivers?
• Should I have combined single limit or split liability limits?
• Can I still get insurance after a DUI?
• What is the difference between comprehensive and collision coverage?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, fill out this quick form.

Information about specific coverages

Having a good grasp of your policy aids in choosing the right coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive protection

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as a broken windshield, falling objects, hail damage, rock chips in glass and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your 1996 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.

Auto collision coverage

Collision coverage covers damage to your Blazer from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like backing into a parked car, rolling your car, crashing into a building and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like dental work, pain medications, EMT expenses, ambulance fees and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Liability

This coverage will cover injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as loss of income, legal defense fees, repair costs for stationary objects and structural damage. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Quote often and quote early

Budget-friendly auto insurance can be bought both online in addition to local insurance agencies, so you need to shop insurance with both to have the best rate selection. Some auto insurance companies may not provide online quoting and usually these small, regional companies provide coverage only through independent insurance agents.

As you quote insurance, do not buy poor coverage just to save money. In many cases, drivers have reduced collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your objective should be to get the best coverage possible for the lowest cost while not skimping on critical coverages.

We covered many ways to shop for 1996 Chevy Blazer insurance online. The key thing to remember is the more quotes you get, the better likelihood of getting inexpensive insurance. You may even find the best premium rates are with the least-expected company.

More detailed auto insurance information is available by following these links:

• Auto Theft Statistics (Insurance Information Insitute)
• Speed and Speed Limit FAQ (iihs.org)
• Collision Insurance Coverage (Nationwide)
• Teen Driver Licensing Information (iihs.org)
• State Car Insurance Guides (Geico)
• Distracted Driving (Insurance Information Insitute)