1996 Chevrolet Blazer Car Insurance Rates – 8 Tricks for Cheaper Quotes

Trying to find the cheapest auto insurance rates for your Chevrolet Blazer? Are you tired of not being able to afford to buy car insurance? You are no different than most other car owners. Companies like Allstate and Progressive all claim big savings with TV and radio ads and it is challenging if not impossible to see past the geckos and flying pigs and find the best price available.

Are you getting all your discounts?

Car insurance can cost a lot, but there could be available discounts that can drop the cost substantially. Some discounts apply automatically at the time of purchase, but less common discounts must be requested specifically before they will apply. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off your PIP or medical payments premium.
  • Good Student – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • Multi-policy Discount – If you insure your home and vehicles with the same company you will save at least 10% off all policies.
  • One Accident Forgiven – A few companies will forgive one accident without raising rates if you are claim-free for a certain period of time.
  • Safety Course Discount – Successfully completing a driver safety course could cut 5% off your bill if you qualify.
  • Early Signing – Some insurance companies reward drivers for switching to them prior to your current policy expiring. This can save 10% or more.
  • New Vehicle Savings – Putting insurance coverage on a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • 55 and Retired – Older drivers can possibly qualify for reduced rates for Blazer coverage.

It’s important to understand that some of the credits will not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like you would end up receiving a 100% discount, it just doesn’t work that way. Any amount of discount will reduce your premiums.

A partial list of companies that may offer these money-saving discounts are:

It’s a good idea to ask every prospective company what discounts are available to you. Some discounts may not be available everywhere.

Tailor your coverage to you

When buying adequate coverage, there is no “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. For instance, these questions might help in determining whether you would benefit from an agent’s advice.

  • What can I do if my company denied a claim?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is my 1996 Chevy Blazer covered for flood damage?
  • Why am I required to get a high-risk car insurance policy?
  • What are the financial responsibility laws in my state?
  • Will filing a claim cost me more?
  • Can I afford to pay high deductible claims out of pocket?
  • What if I owe more than I can insure my car for?
  • Should I buy full coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Auto insurance 101

Understanding the coverages of your car insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. These are the normal coverages found on most car insurance policies.

Liability

Liability coverage will cover damage or injury you incur to other’s property or people in an accident. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like medical expenses, attorney fees, structural damage, emergency aid and legal defense fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Auto collision coverage

This covers damage to your Blazer resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sideswiping another vehicle, colliding with a tree, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hail damage, damage from getting keyed and fire damage. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like rehabilitation expenses, nursing services, chiropractic care and X-ray expenses. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Buy Smart and Save

Affordable 1996 Chevy Blazer insurance is attainable online in addition to many insurance agents, and you need to comparison shop both so you have a total pricing picture. A few companies do not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

When buying insurance coverage, it’s not a good idea to buy less coverage just to save a little money. In too many instances, consumers will sacrifice physical damage coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

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