How Much Does 1990 Chevrolet S-10 Blazer Insurance Cost?

I can’t think of a single person who likes paying for auto insurance, especially knowing they could find better prices if they shop around. Due to the increasing number of auto insurance companies to choose from, it can be diffult for people to find the most affordable auto insurance provider.

Auto insurance rates and discounts

Car insurance companies don’t always advertise every discount they offer very clearly, so we took the time to find a few of the more well known in addition to some of the lesser obvious credits available to you. If you check and find you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

• Auto/Life Discount – Larger companies have a small discount if you purchase a life policy as well.
• Government Employees – Employees or retirees of the government could cut as much as 10% off for S-10 Blazer insurance depending on your auto insurance provider.
• Save over 55 – If you qualify as a senior citizen, you may be able to get a slight reduction on a insurance coverage quote for S-10 Blazer insurance.
• Theft Prevention Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency and will save you 10% or more.
• Multiple Cars – Drivers who insure multiple cars on one policy can get a discount for every vehicle.
• Drive Less and Save – Maintaining low annual mileage could earn substantially lower prices.
• New Vehicle Savings – Insuring a new car can save up to 30% since new model year vehicles have better safety ratings.
• Renewal Discounts – Some auto insurance companies give discounts for buying a new policy prior to the expiration date on your current policy. This can save 10% or more.
• Payment Discounts – By making one initial payment rather than paying monthly you could save up to 5%.

Discounts lower rates, but many deductions do not apply to the entire cost. The majority will only reduce specific coverage prices like medical payments or collision. So when the math indicates all the discounts add up to a free policy, it’s just not the way it works. Any amount of discount will cut your policy cost.

If you would like to choose from a list of insurers that offer some of these discounts, follow this link.

How to buy insurance online

Reducing your 1990 Chevy S-10 Blazer insurance rates is actually quite simple. Consumers just need to take a couple of minutes comparing rates to find. It’s really simple and can be done using one of these methods.

• One of the simplest ways to get quotes for comparison is a comparison rater form (click to open form in new window). This quick form saves time by eliminating separate quote forms for every company. One form submission compares rates direct from many companies.
• A more time consuming way to find lower rates is going to the website for every company you want to comare and complete a new quote form. For sake of this example, we’ll assume you need rates from Farmers, Safeco and Geico. In order to compare rates, you need to go to each individual site and punch in your information repeatedly, which is why the first method is quicker.

  For a list of links to companies insuring cars in your area, click here.

The approach you take is up to you, just compare the exact same quote information on every price quote you get. If you use different limits and deductibles on each one it’s not possible to make an equal comparison.

How insurance companies calculate Chevy S-10 Blazer insurance prices

Multiple criteria are used when premium rates are determined. Some factors are common sense like an MVR report, but some are not quite as obvious like your vehicle usage or your financial responsibility.

• With age comes lower premiums – Older, more experienced drivers are more responsible, cost insurance companies less in claims and tend to be get fewer driving tickets.Inexperience drivers have been known to be inattentive and easily distracted behind the wheel and because of this, their insurance coverage rates are much higher.
• Accidents hurt – Drivers with clean records pay lower auto insurance prices than their less careful counterparts. Just one driving citation can increase rates by as much as thirty percent. Drivers who get careless violations like DUI or reckless driving may need to maintain a SR-22 with their state DMV in order to prevent a license revocation.
• Gender as a rate factor – The statistics show that men are more aggressive behind the wheel. The data does not necessarily mean that females are better at driving than males. Both sexes tend to get into fender benders at a similar rate, but the men have accidents that have higher claims. They also receive more major tickets like reckless driving and DUI.
• Physical damage deductibles – Physical damage coverage, also called comprehensive and collision insurance, is used to repair damage to your vehicle. Some examples of claims that would be covered are colliding with a building, vandalism, and damage from a fallen tree branch. The deductibles you choose are the amount of money you are willing to pay out-of-pocket if a covered claim is submitted. The more money you pay before a claim is paid (deductible), the lower your rates will be for S-10 Blazer insurance.
• Small claims can cost you – If you are the type of insured that files lots of claims you can expect either higher rates or even cancellation. Auto insurance companies provide cheaper rates to policyholders who do not rely on their insurance for small claims. Your car insurance is intended for claims that pose a financial burden.
• Single drivers take more risk – Having a wife or husband helps lower the price on your policy. It is viewed as being less irresponsible and insurance companies like that being married results in fewer claims.
• Vehicle options that lower insurance coverage rates – Choosing a vehicle with a theft deterrent system can earn a premium discount. Anti-theft devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart auto theft and help lower rates.
• Never allow your coverage to lapse – Driving your car without having proper coverage can get your license suspended and companies may charge more for letting your coverage cancel without a new policy in place. In addition to paying higher premiums, the inability to provide proof of insurance will get you fines or a revoked license. You may have to submit proof of financial responsibility or a SR-22 with your state DMV.

Situations that may require an agent’s advice

When it comes to choosing the right insurance coverage for your vehicles, there is no perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions might point out whether your personal situation might need professional guidance.

• Does my medical payments coverage pay my health insurance deductible?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Can I afford to pay high deductible claims out of pocket?
• Can I still get insurance after a DUI?
• What vehicles should carry emergency assistance coverage?
• Is rental equipment covered for theft or damage?
• When should my teen driver be added to my policy?
• What if I don’t agree with a claim settlement offer?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

What auto insurance coverages do you need?

Knowing the specifics of a auto insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on most auto insurance policies.

Collision insurance

This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as rolling your car, hitting a mailbox and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Liability car insurance

Liability insurance protects you from damage that occurs to people or other property by causing an accident. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like loss of income, emergency aid and court costs. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverages

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, vandalism, a broken windshield and damage from getting keyed. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured and underinsured coverage

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Coverage for medical payments

Med pay and PIP coverage pay for short-term medical expenses for dental work, funeral costs, X-ray expenses, rehabilitation expenses and surgery. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Keep this in mind

Cheap 1990 Chevy S-10 Blazer insurance is possible on the web and with local insurance agents, and you should be comparing both to have the best selection. Some insurance coverage companies may not have the ability to get quotes online and these smaller providers work with independent agencies.

In this article, we presented many tips how you can save on 1990 Chevy S-10 Blazer insurance. It’s most important to understand that the more companies you get premium rates for, the better your comparison will be. You may be surprised to find that the biggest savings come from an unexpected company. They may cover specific market segments cheaper than their larger competitors like Progressive and Geico.

To learn more, feel free to browse the following helpful articles:

• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Drunk Driving Statistics (Insurance Information Insitute)
• Tools for Teen Driving Safety (State Farm)
• Shopping for a Safe Car (Insurance Information Insitute)
• Safe Vehicles for Teens (iihs.org)