How Much Does 1991 Chevrolet S-10 Blazer Insurance Cost?

Buyers have many options when searching for the best price on Chevy S-10 Blazer insurance. You can either spend your time driving around to get rate comparisons or utilize the internet to get rate quotes.

There are more efficient ways to find car insurance online so we’re going to tell you the absolute fastest way to quote coverages for a Chevy and obtain the lowest possible price from both online companies and local agents.

If you have a policy now or need new coverage, you will benefit by learning to shop for the lowest rates while maximizing coverage. This information will help educate you on how to effectively get price quotes. Vehicle owners only need an understanding of the best way to shop online.

Don’t overlook these insurance coverage discounts

Some providers don’t necessarily list the complete list of policy discounts very clearly, so the following list contains some of the more common and the harder-to-find credits that you can use to lower your rates. If they aren’t giving you every credit available, you could be saving more on your insurance coverage.

• Responsible Driver Discounts – Insureds without accidents can get discounts for up to 45% lower rates for S-10 Blazer coverage compared to accident prone drivers.
• Good Students Pay Less – A discount for being a good student may save as much as 25% on a auto insurance quote. Many companies even apply the discount to college students up to age 25.
• Anti-lock Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions so companies give up to a 10% discount.
• Homeowners Discount – Owning a home may earn you a small savings because maintaining a house demonstrates responsibility.
• Online Discount – Some of the larger companies give back up to $50 for buying your policy on the web.
• Switch and Save Discount – A few companies offer discounts for switching companies before your current policy expires. You can save around 10% with this discount.
• Theft Prevention System – Cars optioned with advanced anti-theft systems have a lower chance of being stolen and will save you 10% or more.

A quick disclaimer, some credits don’t apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So when it seems like all the discounts add up to a free policy, that’s just not realistic. But all discounts should help reduce the cost of coverage.

Insurance companies that may offer most of the discounts above include:

• Geico
• Mercury Insurance
• Farmers Insurance
• Auto-Owners Insurance
• Liberty Mutual
• SAFECO
• Progressive
• USAA

When getting a coverage quote, ask each company or agent how you can save money. Some of the earlier mentioned discounts might not be offered everywhere. To view insurers who offer free insurance coverage quotes, click this link.

The easiest way to compare car insurance company rates takes advantage of the fact almost all companies actually pay money for the chance to give free rates quotes. All you need to do is give them some information including the make and model of your vehicles, whether or not you need a SR-22, daily mileage, and your job. The data gets transmitted to many of the top insurers and they return cost estimate immediately.

When to get professional advice

When choosing the best auto insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions might help in determining whether your personal situation could use an agent’s help.

• What happens if I owe more than my 1991 Chevy S-10 Blazer is worth?
• Which companies will insure high-risk drivers?
• How do I file an SR-22 for a DUI in my state?
• Why does it cost so much to insure a teen driver?
• Why do I only qualify for high-risk insurance?
• Does having multiple vehicles earn me a discount?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and can provide invaluable advice.

Car insurance coverage information

Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like rehabilitation expenses, ambulance fees and pain medications. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Frequently these coverages do not exceed the liability coverage limits.

Comprehensive coverages

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as fire damage, damage from a tornado or hurricane and vandalism. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability insurance

This protects you from damage or injury you incur to other’s property or people in an accident. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability can pay for claims such as bail bonds, emergency aid and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

Collision protection

This will pay to fix damage to your S-10 Blazer from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like damaging your car on a curb, crashing into a building, rolling your car, scraping a guard rail and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Spend less. Save more.

As you shop your coverage around, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice liability limits or collision coverage and found out when filing a claim that the savings was not a smart move. The aim is to purchase a proper amount of coverage at the lowest possible cost, but do not skimp to save money.

Budget-friendly insurance coverage can be sourced online in addition to local insurance agencies, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies don’t offer the ability to get quotes online and many times these regional carriers sell through local independent agencies.

Consumers switch companies for a variety of reasons including high rates after DUI convictions, an unsatisfactory settlement offer, poor customer service and being labeled a high risk driver. No matter why you want to switch, finding a great new company is easier than you think.

More detailed insurance coverage information is available by following these links:

• Auto Theft Statistics (Insurance Information Insitute)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)