Cheap 1999 Chevrolet Blazer Insurance Cost

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 12, 2022

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Finding the best price for 1999 Chevrolet Blazer Insurance coverage can be a challenge if you have never used online quotes. But don’t let that discourage you because using the internet to shop for insurance coverage is actually quite easy.

Consumers should take time to shop for coverage around once or twice a year because prices trend upward over time. Despite the fact that you may have had the best deal on Blazer insurance six months ago, other companies may now be cheaper. Starting right now, forget all the misinformation about insurance coverage because I’m going to teach you one of the best ways to properly buy coverages and cut your premium.

If you are paying for car insurance now, you should be able to reduce your rates substantially using these methods. Shopping for affordable protection is not that difficult. Nevertheless, car owners should learn the way insurance companies market on the web and apply this information to your search.

1999 Chevrolet Blazer Insurance rates are complex

Smart consumers have a good feel for some of the elements that help determine your car insurance rates. When you know what positively or negatively impacts premium levels, it enables informed choices that can help you get big savings.

  • Pleasure use or commuting – The more you drive in a year’s time the higher your rates will be. The majority of insurers price each vehicle’s coverage based on how the vehicle is used. Autos used primarily for pleasure use get more affordable rates compared to those used for work or business. An improperly rated Blazer may cost you. Double check that your car insurance policy properly reflects the correct driver’s usage.
  • Mature drivers pay less – Young drivers are known to get distracted easily in a vehicle, so car insurance rates are higher. Mature drivers are more responsible, file fewer claims and are safer drivers.
  • Big city or small town – Choosing to live in small towns and rural areas has its advantages when talking about car insurance. Fewer drivers mean fewer accidents and also fewer theft and vandalism claims. Drivers in populated areas have congested traffic and much longer commuting distances. More time commuting translates into higher accident risk.
  • Little extras can really add up – There are a ton of additional coverages that you can get tricked into buying if you aren’t careful. Coverages like roadside assistance, accidental death and term life insurance are examples of these. They may seem like a good idea at first, but if they’re wasting money get rid of them and save.
  • Do you work long hours in a highly stressed job? – Did you know that where you work can have an impact on rates? Careers like real estate brokers, business owners and dentists have the highest average rates in part of high stress levels and lengthy work days. Other jobs, such as pilots, historians and homemakers, get better rates on Blazer insurance.
  • Never let your coverage lapse – Driving without insurance is illegal, and car insurance companies will penalize you for letting your coverage have a gap. And not only will insurance be more expensive, but not being able to provide proof of insurance will get you a hefty fine and possibly a revoked license.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Pay less if you’re married – Having a wife or husband helps lower the price on car insurance. It means you’re more mature than a single person it has been statistically shown that married drivers get in fewer accidents.
  • Women pay lower rates – Statistics show that women are safer drivers than men. Now that doesn’t mean women are BETTER drivers than men. Both sexes tend to get into accidents in similar numbers, but the male of the species tends to have more serious accidents. Men also tend to receive more costly citations like reckless driving and DUI.

These discounts can lower your rates

The cost of insuring your car can be expensive, but you may find discounts that you may not even be aware of. A few discounts will automatically apply at quote time, but less common discounts must be inquired about prior to receiving the credit.

  • Accident Forgiveness – A handful of insurance companies will allow you to have one accident without raising rates if you are claim-free prior to the accident.
  • Life Insurance Discount – Companies who offer life insurance give you a break if you buy life insurance from them.
  • Low Mileage Discounts – Driving fewer miles could be rewarded with a substantially lower rate.
  • Sign Early and Save – Some insurance companies reward drivers for buying a policy before your current expiration date. It can save you around 10%.
  • College Student – Youth drivers who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Good Students Pay Less – This discount can be rewarded with a saving of up to 25%. This discount can apply until age 25.

It’s important to understand that some credits don’t apply to all coverage premiums. A few only apply to the price of certain insurance coverage like medical payments or collisions. Just because it seems like all those discounts means the company will pay you, you’re out of luck. But all discounts will help reduce your overall premium, however.

For a list of insurance companies with discount insurance rates, click here.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance companies such as Allstate, GEICO and Progressive regularly use ads on television and other media. They all seem to make the same claim that you’ll save big if you move your policy. How do they all say the same thing?

Insurance companies can use profiling for the drivers that earn them a profit. For example, a preferred risk could be someone over the age of 50, insures multiple vehicles, and drives less than 10,000 miles a year. A driver that hits that “sweet spot” will get the preferred rates and therefore will save money when they switch companies.

Consumers who don’t meet this ideal profile will be charged a more expensive rate which usually ends up with business going elsewhere. Company advertisements say “customers that switch”, not “everybody who quotes” save that much. That is how companies can truthfully make those claims.

That is why drivers must compare as many rates as you can. It is impossible to predict which insurance company will give you the biggest savings on Chevy Blazer insurance.

Different people need different coverages

When choosing the right insurance coverage for your personal vehicles, There really is no best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions could help you determine whether your personal situation may require specific advice.

  • What is roadside assistance coverage?
  • Exactly who is provided coverage by my policy?
  • Am I covered if I drive in a foreign country?
  • Should I sign a liability waiver when renting a car?
  • Is my custom paint covered by insurance?
  • Why am I forced to buy a membership to get insurance from some companies?
  • Should I waive the damage coverage when renting a car?
  • If I drive with a suspended license, am I covered?

Insurance coverages and their meanings

Having a good grasp of a insurance policy can help you determine the right coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policies.

Collision coverages – This coverage pays for damage to your Blazer resulting from a collision with another car or object. You have to pay a deductible, then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a building, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it for older vehicles. Drivers also have the option of raising the deductible to bring the cost down.

Auto liability – Liability coverage will cover damage that occurs to other people or property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover 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. You commonly see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally, you may see one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like bail bonds, legal defense fees, attorney fees, structural damage and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Medical expense coverage – Med pay and PIP coverage reimburse you for expenses for funeral costs, ambulance fees, surgery and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover if you are hit  while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured or underinsured coverage – This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Chevy Blazer.

Since many drivers have only the minimum liability required by law, it only takes a small accident to increase their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally, your uninsured/underinsured motorist’s coverages are set the same as your liability limits.

Comprehensive protection – This covers damage from a wide range of events other than collisions. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hail damage, damage from a tornado or hurricane, hitting a bird and hitting a deer. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Final thoughts on 1999 Chevrolet Blazer Insurance

You just learned a lot of techniques to reduce insurance 1999 Chevy Blazer prices online. The key thing to remember is the more providers you compare, the higher the chance of saving money. Drivers may discover the best price on auto insurance is with a lesser-known regional company.

Discount insurance is definitely available on the web and also from your neighborhood agents, and you need to comparison shop both to have the best selection. Some insurance providers may not provide online price quotes and most of the time, these regional insurance providers sell through independent agents.

As you restructure your insurance plan, do not buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed full coverage and found out when filing a claim that the small savings ended up costing them much more. The aim is to find the BEST coverage at an affordable rate, not the least amount of coverage.

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