View 1997 Chevrolet Blazer Car Insurance Cost

Want cheaper insurance rates for your Chevrolet Blazer? I can’t think of a single person who loves paying for insurance, particularly when they could find lower prices if they just compared rates.

Insurance companies such as Allstate and Progressive continually bombard you with ads and it is challenging if not impossible to ignore the propoganda and do the work needed to find the best deal.

You should make it a habit to do rate comparisons before your policy renews because insurance prices are variable and change quite frequently. Even if you think you had the lowest rates on Blazer coverage last year you can probably find a better premium rate now. Ignore everything you know about insurance because you’re going to get a crash course in the fastest way to save on insurance.

The quickest way to compare car insurance company rates utilizes the fact most larger insurance companies provide online access to give free rates quotes. To begin a comparison, all you need to do is provide a small amount of information such as coverage limits, your job, how old drivers are, and your general credit rating. The rating information is instantly submitted to insurance companies and you will get price comparisons instantly to find the best rate.

Can switching companies really save?

Allstate and Progressive constantly bombard you with television and radio advertisements. They all seem to make an identical promise about how much you will save if you move to them. Is it even possible that every company can charge less that you’re paying now? This is the way they can do it.

Companies quote their best rates for the type of driver that earns them a profit. For instance, a preferred risk may need to be married and over the age of 30, has had continuous coverage, and has a short commute. Any new insured who fits that profile will probably get cheap car insurance rates and therefore will save some money.

Potential insureds who fall short of this ideal profile will be charged more expensive rates and this can result in business not being written. The ad wording is “drivers that switch” not “everyone that quotes” save the amount stated. That’s the way insurance companies can make those statements. This illustrates why you need to get auto insurance quotes from several different companies. Because without a comparison, you cannot know which auto insurance company will have the best car insurance rates at this point in time.

More affordable rates with discounts

Some insurance providers don’t list the entire discount list in an easy-to-find place, so below is a list a few of the more common and also the more inconspicuous credits that you can use to lower your rates.

• Own a Home and Save – Simply owning a home may earn you a small savings because of the fact that having a home requires a higher level of personal finance.
• Service Members Pay Less – Having a family member in the military could trigger a small discount.
• Switch and Save Discount – A few car insurance companies give discounts for switching companies prior to your current policy expiring. You can save around 10% with this discount.
• Employee of Federal Government – Simply working for the federal government could qualify for a slight premium decrease on Blazer coverage but check with your company.
• 55 and Retired – If you qualify as a senior citizen, you may receive a discount up to 10% on Blazer coverage.
• Policy Bundle Discount – If you combine your home and auto policies with one company you may save up to 20% off your total premium.
• Buy New and Save – Adding a new car to your policy can cost up to 25% less since new model year vehicles have better safety ratings.
• E-sign Discounts
• Low Mileage – Keeping the miles down on your Chevy can qualify you for substantially lower rates.

A quick disclaimer, some of the credits will not apply to all coverage premiums. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, car insurance companies aren’t that generous.

Large car insurance companies and some of the discounts are outlined below.

• State Farm offers premium reductions for driver’s education, Steer Clear safe driver discount, multiple policy, defensive driving training, anti-theft, accident-free, and multiple autos.
• Farmers Insurance offers discounts including alternative fuel, homeowner, pay in full, bundle discounts, and good student.
• Progressive offers discounts for good student, homeowner, online quote discount, multi-policy, online signing, continuous coverage, and multi-vehicle.
• Geico policyholders can earn discounts including air bags, anti-lock brakes, federal employee, membership and employees, and emergency military deployment.
• Auto-Owners Insurance may offer discounts for teen driver, paid in full, air bags, good student, and company car.
• The Hartford may have discounts that include good student, bundle, defensive driver, anti-theft, driver training, and vehicle fuel type.
• Farm Bureau includes discounts for good student, renewal discount, safe driver, youthful driver, and multi-policy.
• USAA discounts include vehicle storage, military installation, annual mileage, good student, new vehicle, and defensive driver.

It’s a good idea to ask all the companies to give you their best rates. Discounts might not be offered on policies in your area. To find insurers who offer free car insurance quotes, click here.

What is the best car insurance coverage?

When it comes to choosing coverage, there is no “perfect” insurance plan. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that may help you determine whether your personal situation would benefit from an agent’s advice.

• Do I need an umbrella policy?
• Should I sign the liability waiver when renting a car?
• Who is covered when they drive my 1997 Chevy Blazer?
• Can my teen driver be rated on a liability-only vehicle?
• How much liability coverage do I need in my state?
• Is my teen driver covered when they drive my company car?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Can I afford to buy a different vehicle if my 1997 Chevy Blazer is totaled?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Specific coverages for a Chevy Blazer

Learning about specific coverages of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages offered by insurance companies.

Comprehensive insurance – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a deer, hail damage, a broken windshield and damage from getting keyed. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

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

Collision coverage protects against things like crashing into a ditch, sideswiping another vehicle, colliding with a tree, damaging your car on a curb and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your Chevy Blazer.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for expenses for rehabilitation expenses, funeral costs, doctor visits and dental work. They are often used in conjunction with a health insurance program or if you do not have health coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Liability – Liability coverage protects you from damage or injury you incur to people or other property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for things like structural damage, pain and suffering, loss of income, repair costs for stationary objects and medical services. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

Better coverage you can count on

We’ve covered quite a bit of information on how to compare 1997 Chevy Blazer insurance rates online. The key thing to remember is the more price quotes you have, the higher the chance of saving money. You may even find the biggest savings come from some of the smallest insurance companies. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.

Budget-conscious 1997 Chevy Blazer insurance is attainable online in addition to many insurance agents, so you need to quote auto insurance with both to have the best chance of lowering rates. A few companies may not provide online rate quotes and usually these smaller providers only sell coverage through independent agents.

Additional detailed information is located by following these links:

• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Where can I buy Insurance? (Insurance Information Insitute)
• Property Damage Coverage (Liberty Mutual)
• Teen Driving Statistics (Geico)
• State Laws for Cellphones and Texting (iihs.org)
• Your Car has been Stolen: Now What? (Allstate)