1999 Chevrolet Blazer Car Insurance Cost – 6 Savings Tips

Buyers have a choice when searching for the lowest priced Chevy Blazer insurance. They can either spend hours contacting agents trying to get quotes or use the internet to compare rates. There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the quickest way to price shop coverage on a Chevy and find the lowest price.

Choosing the best insurance company for you is quite easy. If you are paying for car insurance now, you stand a good chance to be able to save some money using this information. Consumers only need an understanding of the most effective way to compare company rates over the internet.

Compare free insurance quotes

All major insurance companies provide price estimates direct online. Getting online rates is very simple as all you need to do is type in the coverage amounts you desire on the page. When the form is submitted, their quoting system obtains your driving record and credit report and generates pricing information based on these and other factors.

Online price quotes makes it a lot easier to compare rates but the time required to go to several different sites and enter the same data into a form gets old quite quickly. But it is imperative to do this in order to find a better rate.

The smarter way to lower your insurance bill uses just one form that gets price quotes from multiple companies. The form is fast, requires less work, and makes comparison shopping a little more enjoyable. As soon as you send your information, your coverage is rated and you can select your choice of the quotes returned. If a lower price is quoted, you can click and sign and purchase the new policy. This process just takes a couple of minutes and can result in significant savings.

If you want to find out what other companies charge, simply click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you replicate as shown on your current policy. Doing this guarantees you will have rate quotes for similar coverage.

Big names are not always cheapest

Consumers can’t avoid all the ads that promise big savings by companies like Allstate, Geico and Progressive. They all make the point of big savings just by switching your policy.

How does each company have lower policy pricing? It’s all in the words they use.

All the different companies have an ideal profile for the right customer that earns them the highest profit. For instance, a preferred risk could possibly be over age 30, carries full coverage, and drives less than 10,000 miles a year. Any customer that hits that “sweet spot” will probably get cheap prices and most likely will pay quite a bit less when switching companies.

Insureds who are not a match for these stringent criteria may be forced to pay a higher premium which results in the prospect going elsewhere. If you pay attention, the ads say “people that switch” but not “all drivers who get quotes” save that much. This is how companies can state the savings. Because every company is different, you absolutely need to get as many free insurance quotes as possible. Because without a comparison, you cannot know which car insurance company will give you the biggest savings.

Drivers save money with with these six discounts

Car insurance companies don’t necessarily list all possible discounts very clearly, so the following is a list of both well-publicized and also the lesser-known credits that you can use to lower your rates. If you do not double check each discount possible, you’re just leaving money on the table.

• Save with a New Car – Buying a new car instead of a used car can save you some money since new model year vehicles have better safety ratings.
• Discount for Passive Restraints – Options like air bags and/or automatic seat belt systems may qualify for discounts of more than 20%.
• Drivers Ed for Students – Teen drivers should sucessfully take a drivers education course as it will make them better drivers and lower rates.
• Data Collection Discounts – Policyholders that allow companies to analyze driving patterns by using a small device installed in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system may see discounts as long as the data is positive.
• Discount for Multiple Policies – If you combine your auto and homeowners policies with the same company you could get a discount of 10% to 20% off each policy.
• Save over 55 – Older drivers are able to get lower premium rates on Blazer insurance.

We need to note that some credits don’t apply to the entire cost. Some only apply to individual premiums such as liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

A few companies who might offer most of these discounts are:

• State Farm
• Progressive
• Progressive
• MetLife
• Farm Bureau
• Geico
• SAFECO

When getting free insurance quotes, it’s a good idea to all the companies which discounts you may be entitled to. Some credits may not apply in your area. If you would like to view insurers with significant discounts, follow this link.

Your situation helps dictate your coverage

When it comes to buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that could help you determine if your situation will benefit from professional help.

• Do I benefit by insuring my home with the same company?
• Am I covered if I hit my neighbor’s mailbox?
• Am I better off with higher deductibles on my 1999 Chevy Blazer?
• Can my teen drive my company car?
• Is there coverage for injuries to my pets?
• Do I have coverage for damage caused while driving under the influence?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form. It is quick, free and may give you better protection.

Information about specific coverages

Having a good grasp of auto insurance can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as theft, falling objects, hail damage, fire damage and rock chips in glass. The most a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Collision protection

Collision insurance pays for damage to your Blazer from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as hitting a mailbox, rolling your car, crashing into a ditch and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for bills for X-ray expenses, doctor visits and funeral costs. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability

Liability insurance provides protection from damages or injuries you inflict on other people or property in an accident. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as repair bills for other people’s vehicles, pain and suffering, emergency aid and attorney fees. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Buy Smart and Save

Some insurance providers may not provide the ability to get quotes online and these small, regional companies prefer to sell through independent agencies. Lower-priced car insurance can be bought from both online companies in addition to many insurance agents, and you need to price shop both to have the best selection.

We just showed you a lot of techniques to lower your 1999 Chevy Blazer insurance auto insurance rates. It’s most important to understand that the more companies you get premium rates for, the better chance you’ll have of finding the cheapest insurance. Drivers may discover the most savings is with the least-expected company.

When trying to cut insurance costs, don’t be tempted to reduce needed coverages to save money. In many cases, drivers have reduced full coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The goal is to buy a smart amount of coverage at the best cost, but don’t skip important coverages to save money.

More detailed car insurance information is located at these sites:

• Vehicle Safety Ratings (iihs.org)
• Help Your Teen Be a Better Driver (State Farm)
• Safety Features for Your New Car (State Farm)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)