Cheap 1998 Chevrolet Blazer Insurance Quotes

Nobody I know enjoys paying for car insurance, especially knowing the cost is too high. Due to the abundance of choices, it’s difficult to locate the most affordable insurance company.

Finding insurance

Finding more affordable 1998 Chevy Blazer insurance prices is actually quite simple. Just spend a little time comparing free insurance coverage quotes to find out which insurance company has low cost insurance coverage quotes. This can be done by using one of the methods below.

The easiest and least time consuming way consumers can analyze rates is a comparison rater form (click to open form in new window). This style of form prevents you from having to do a different quote for each company you want a rate for. Taking the time to complete one form will return price quotes from multiple companies.

A different way to analyze rates requires visiting the website of each company and repeat the quote process. For examples sake, let’s assume you want rates from Liberty Mutual, Farmers and GMAC. To find out each rate you need to go to every website and repeatedly type in your coverage information, which is why most consumers use the first method.

To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just try to use apples-to-apples coverage limits and deductibles for each comparison quote. If you are comparing different deductibles it will be next to impossible to determine which rate is truly the best.

Advertising myths

Drivers can’t ignore all the ads that claim the lowest car insurance rates by 21st Century, Allstate and State Farm. They all seem to seem to make the promise that you can save if you switch to their company.

Is it even possible that every company can charge you a lower premium? This is the trick they use.

All the different companies have an ideal profile for a prospective insured they prefer to insure. An example of this type of insured may be married and over the age of 30, carries high limits, and has a high credit rating. Any person that meets those criteria will most likely get cheap premium rates and therefore will save quite a bit of money when switching.

Insureds who don’t measure up to these criteria will get a higher rate which leads to the customer not buying. The ads say “people that switch” but not “everyone who gets a quote” save that much money. That is how companies can truthfully state the savings. This really emphasizes why it is so important to get insurance coverage quotes as often as possible. It is impossible to predict with any certainty which company will provide you with the cheapest premium rates.

Affordable insurance quotes with discounts

Car insurance is not cheap, but you can get discounts that can help lower your rates. Some trigger automatically at the time you complete a quote, but a few need to be manually applied before they will apply.

• Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
• Claim Free – Drivers who stay claim-free pay less in comparison with insureds who have frequent claims or accidents.
• Policy Bundle Discount – When you combine your homeowners and auto insurance and place coverage with the same company you could get a discount of at least 10 to 15 percent or more.
• Theft Deterent – Vehicles that have factory anti-theft systems help deter theft and earn discounts up to 10% off your insurance coverage quote.
• Good Student – Being a good student can get you a discount of up to 25%. You can use this discount normally up until you turn 25.
• No Charge for an Accident – This isn’t a discount exactly, but some companies like State Farm and Geico will let one accident slide before raising your premiums so long as you haven’t had any claims for a certain period of time.
• Defensive Driver Discounts – Completing a course teaching defensive driving skills could cut 5% off your bill and make you a better driver.
• Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.

Just know that many deductions do not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like comprehensive or collision. So when it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Large insurance companies and some of their more popular discounts can be read below.

• Progressive may offer discounts for online signing, multi-vehicle, good student, online quote discount, and multi-policy.
• SAFECO may have discounts that include teen safety rewards, teen safe driver, drive less, bundle discounts, and safe driver.
• American Family discounts include bundled insurance, mySafetyValet, good driver, Steer into Savings, early bird, defensive driver, and TimeAway discount.
• MetLife has savings for good driver, accident-free, good student, claim-free, defensive driver, and multi-policy.
• Geico offers premium reductions for anti-theft, military active duty, seat belt use, defensive driver, and emergency military deployment.
• The Hartford has discounts for vehicle fuel type, defensive driver, driver training, air bag, anti-theft, bundle, and good student.

If you need cheap insurance coverage quotes, ask all the companies what discounts are available to you. Some discounts listed above might not be offered on policies in your area.

Tailor your car insurance coverage to you

When buying adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every situation is different so your insurance should reflect that For example, these questions might point out if your situation will benefit from professional help.

• Do I need an umbrella policy?
• What is the ISO rating for a 1998 Chevy Blazer?
• Am I covered if I hit my neighbor’s mailbox?
• If my 1998 Chevy Blazer is totaled, can I afford another vehicle?
• Do I need medical payments coverage since I have good health insurance?
• Am I covered if I hit a deer?
• Am I better off with higher deductibles on my 1998 Chevy Blazer?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Car insurance coverage information

Learning about specific coverages of a car insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are typical coverage types available from car insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision insurance

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as backing into a parked car, colliding with a tree, damaging your car on a curb and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

This coverage covers 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 protects against claims like falling objects, damage from flooding and rock chips in glass. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for expenses such as EMT expenses, dental work and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Auto liability insurance

Liability coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage protects against things like attorney fees, pain and suffering, legal defense fees, court costs and medical expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Get your money’s worth

Cheaper insurance is attainable both online in addition to local insurance agencies, and you should compare rates from both to have the best rate selection. Some insurance companies may not have online price quotes and most of the time these small insurance companies provide coverage only through independent agents.

We’ve covered many tips how you can get a better price on 1998 Chevy Blazer insurance. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may be surprised to find that the best price on insurance is with some of the lesser-known companies. Regional companies may cover specific market segments cheaper than the large multi-state companies such as Progressive or Geico.

As you quote insurance coverage, it’s not a good idea to reduce needed coverages to save money. There have been many situations where someone sacrificed liability coverage limits to discover at claim time that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at the lowest possible cost and still be able to protect your assets.

For more information, link through to these articles:

• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)
• Distracted Driving Extends Beyond Texting (State Farm)
• Bodily Injury Coverage (Liberty Mutual)