Save on 1992 Chevrolet S-10 Blazer Car Insurance Rates

Searching for better auto insurance rates? Consumers have options when looking for affordable Chevy S-10 Blazer insurance. You can either spend your time calling around trying to get quotes or leverage the internet to get rate quotes.

There are both good and bad ways to find auto insurance online so you’re going to learn the proper way to get price quotes for a Chevy and get the lowest possible price either online or from local insurance agents.

The purpose of this post is to introduce you to the best way to quote coverages and some tips to save money. If you are paying for car insurance now, you will be able to reduce your rates substantially using this information. Drivers just need to learn the proper way to get comparison rates over the internet.

Save money with discounts

Insurance is not an enjoyable expense, but there could be significant discounts that you may not even know about. Some discounts apply automatically at the time you complete a quote, but less common discounts must be requested specifically prior to getting the savings.

• Life Insurance Discount – Select insurance companies reward you with a discount if you purchase a life policy as well.
• Save over 55 – Drivers that qualify as senior citizens can possibly qualify for better insurance rates on S-10 Blazer coverage.
• Good Students Pay Less – Performing well in school may save you up to 25%. This discount can apply up until you turn 25.
• Waiver for an Accident – Not necessarily a discount, but some insurance companies will let one accident slide before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
• Discounts for Responsible Drivers – Insureds who avoid accidents could pay up to 40% less on S-10 Blazer coverage compared to rates paid by drivers with frequent claims.
• ABS Braking Discount – Cars with ABS and/or traction control are safer to drive and will save you 10% or more.
• Driver’s Ed – It’s a good idea to have your young drivers participate in a local driver’s education class as it can save substantially.
• Anti-theft System – Cars with anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
• Early Payment Discounts – If paying your policy premium upfront rather than paying in monthly installments you may have a lower total premium amount.

Discounts save money, but please remember that most discounts do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. Despite the fact that it seems like adding up those discounts means a free policy, you won’t be that lucky.

A few of the larger companies and a partial list of their discounts are:

• State Farm discounts include driver’s education, passive restraint, defensive driving training, multiple policy, good driver, and safe vehicle.
• Geico may include discounts for multi-policy, daytime running lights, military active duty, federal employee, defensive driver, and membership and employees.
• SAFECO has savings for drive less, teen safety rewards, anti-theft, safe driver, anti-lock brakes, and bundle discounts.
• Farmers Insurance may offer discounts for alternative fuel, pay in full, mature driver, electronic funds transfer, and youthful driver.
• AAA has discounts for anti-theft, good student, AAA membership discount, good driver, and education and occupation.
• USAA policyholders can earn discounts including loyalty savings, multi-vehicle, good student, vehicle storage, military installation, multi-policy, and annual mileage.

If you want low cost auto insurance quotes, ask all the companies which discounts you qualify for. Some of the discounts discussed earlier might not be available to policyholders in your area. To see companies that have a full spectrum of discounts, follow this link.

The fastest way that we advise to compare insurance rates from multiple companies is to know the fact most insurance companies pay for the opportunity to provide you with a free rate quote. The one thing you need to do is spend a couple of minutes providing details such as your general credit rating, the year, make and model of vehicles, if you’re married, and the ages of drivers. Your information is then sent to many of the top insurers and they respond with quotes instantly to find the best rate.

To get price quotes for your Chevy S-10 Blazer now, click here and find out if you can get cheaper insurance.

What is the best insurance coverage?

When choosing adequate coverage for your personal vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

For example, these questions may help you determine if your situation will benefit from professional help.

• Is my 1992 Chevy S-10 Blazer covered for flood damage?
• What is the ISO rating for a 1992 Chevy S-10 Blazer?
• Does car insurance cover theft of personal property?
• If my 1992 Chevy S-10 Blazer is totaled, can I afford another vehicle?
• Exactly who is provided coverage by my policy?
• Why do I need rental car insurance?
• Is a blown tire covered by insurance?
• Does my medical payments coverage pay my health insurance deductible?
• What is the difference between comprehensive and collision coverage?
• Is my custom paint covered by insurance?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.

Auto insurance coverage considerations

Learning about specific coverages 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 reading a policy is terribly boring.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include 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 limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits are set the same as your liablity limits.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for hospital visits, surgery, pain medications, chiropractic care and rehabilitation expenses. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability coverages

This provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that translate to 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. Alternatively, you may have one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things like structural damage, medical services and medical expenses. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Collision insurance

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as crashing into a ditch, colliding with a tree, scraping a guard rail, damaging your car on a curb and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive coverages

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, falling objects, theft, damage from flooding and rock chips in glass. The highest amount your auto 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 probably time to drop comprehensive insurance.

Don’t throw your cash in the trash

When you buy auto insurance online, don’t be tempted to buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced comprehensive coverage or liability limits only to find out that it was a big mistake. Your objective should be to get the best coverage possible at the best cost, but do not sacrifice coverage to save money.

Drivers switch companies for any number of reasons including delays in responding to claim requests, extreme rates for teen drivers, policy cancellation and even lack of trust in their agent. It doesn’t matter why you want to switch choosing a new company can be easier than you think.

We’ve covered many tips how you can reduce 1992 Chevy S-10 Blazer insurance prices online. The key concept to understand is the more providers you compare, the higher the chance of saving money. Consumers could even find that the lowest priced insurance comes from a smaller regional carrier.

Even more information can be read in the articles below:

• Child Safety FAQ (iihs.org)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)
• Teen Driving and Texting (State Farm)
• Tread Depth and Tire Safety (State Farm)
• Vehicle Insurance in the U.S. (Wikipedia)