How Much Does 1993 Chevrolet S-10 Blazer Car Insurance Cost?

Looking for lower insurance rates? Shoppers have options when shopping for affordable Chevy S-10 Blazer insurance. You can either waste hours calling around to compare prices or leverage the internet to get rate quotes. There is a better way to shop for insurance and we’ll show you the proper way to compare rates for a Chevy and get the cheapest rates from local insurance agents and online providers.

If you are insured now or are just looking to switch companies, you can use these techniques to get lower rates and still get good coverage. This information will instruct you on how to effectively get price quotes and some money-saving tips. Vehicle owners just need to learn the proper way to find the lowest price online.

The quickest method to compare rate quotes is to take advantage of the fact most of the larger companies will pay a fee to quote your coverage. The only thing you need to do is give them some information like marital status, how your vehicles are used, types of safety features, and how much education you have. That information is then sent to multiple companies and you should receive rate quotes within a short period of time.

To find the cheapest Chevy S-10 Blazer insurance rates, click here then complete the form.

Chevy S-10 Blazer insurance rate factors

Consumers need to have an understanding of the rating factors that come into play when calculating your policy premiums. If you have some idea of what controls the rates you pay, this allows you to make educated decisions that could help you find lower rates.

Listed below are a few of the things companies use to determine prices.

• Cheaper rates for being claim-free – If you file claims often, you can definitely plan on either a policy non-renewal or much higher rates. Companies generally give the lowest premiums to people who are not frequent claim filers. Insurance coverage is designed for claims that pose a financial burden.
• Save miles and save money – The more you drive your Chevy annually the more you’ll pay to insure your vehicle. Almost all companies calculate rates based upon how much you drive. Cars that have low annual miles can be on a lower rate level as compared to vehicles used primarily for driving to work. An improperly rated S-10 Blazer can result in significantly higher rates. Double check that your auto insurance coverage properly reflects the proper vehicle usage.
• Do you need those extra coverages? – Policies have optional add-on coverages you can purchase if you aren’t careful. Coverages like replacement cost coverage, accidental death, and extra life insurance coverage may be costing you every month. They may seem like a good idea when you first buy your policy, but if you have no use for them think about removing them and cutting costs.
• Liability coverage limits on your policy – Liability insurance will provide protection if you are ruled to be at fault for personal injury or accident damage. It provides legal defense starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
• Save money by raising comp and collision deductibles – Physical damage insurance, aka comp and collision, covers damage that occurs to your Chevy. Examples of covered claims could be a dented fender, damage caused by hail, and windstorm damage. Comprehensive and collision coverage deductibles represent how much money you are willing to pay if you file a covered claim. The more damage repair cost you have to pay, the lower your rates will be on S-10 Blazer insurance.
• Getting married is a good thing – Walking down the aisle may earn you lower rates when shopping for auto insurance. It is viewed as being more mature than a single person and it’s statistically proven that married drivers tend to have fewer serious accidents.
• Save money by having multiple policies – Some insurers will give discounts to policyholders who have multiple policies with them. It’s known as a multi-policy discount. Discounts can amount to ten or even fifteen percent. Even if you’re getting this discount it’s in your best interest to compare rates to help ensure you have the lowest rates. You may still find a better deal by buying insurance from more than one company.

Take advantage of every car insurance discount

The price of auto insurance can be rather high, but you may qualify for discounts that may help make it more affordable. A few discounts will automatically apply when you complete an application, but some need to be requested specifically in order for you to get them. If you do not check that you are getting every discount you qualify for, you’re just leaving money on the table.

• Switch and Save Discount – Select insurance companies give a discount for signing up prior to your current policy expiring. It could save around 10% when you buy car insurance online.
• Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education if it’s offered in school.
• Own a Home – Just owning your own home can save you money since home ownership shows financial diligence.
• Active Service Discounts – Being on active duty in the military can result in better car insurance rates.
• Sign Online – A few car insurance companies give back up to $50 get car insurance on the internet.
• Accident Waiver – This one isn’t a discount, but companies like Allstate and State Farm will forgive one accident without getting socked with a rate hike as long as you don’t have any claims for a specific time period.
• Theft Deterent Discount – Cars equipped with anti-theft or alarm systems are less likely to be stolen and can earn a small discount on your policy.

Don’t be shocked that most credits do not apply to your bottom line cost. Most only reduce specific coverage prices like liability and collision coverage. Even though it appears all those discounts means the company will pay you, you aren’t that lucky. But any discount will help lower the amount you pay for coverage.

Larger car insurance companies and some of the discounts can be read below.

• Geico has savings for multi-vehicle, seat belt use, daytime running lights, anti-lock brakes, anti-theft, and military active duty.
• Auto-Owners Insurance has discounts for teen driver, group or association, multi-policy, anti-lock brakes, air bags, and paid in full.
• American Family may include discounts for Steer into Savings, good driver, TimeAway discount, multi-vehicle, and good student.
• Esurance offers discounts for Switch & Save, anti-theft, safety device, renters, and anti-lock brakes.
• Progressive may have discounts that include homeowner, online quote discount, continuous coverage, multi-policy, and online signing.
• State Farm offers discounts including multiple policy, anti-theft, student away at school, Steer Clear safe driver discount, and safe vehicle.
• AAA offers premium reductions for anti-theft, good student, multi-car, education and occupation, and AAA membership discount.

It’s a good idea to ask every prospective company which credits you are entitled to. All car insurance discounts might not be available to policyholders in every state. To view insurers with the best discounts, follow this link.

How to know if you need help

When it comes to buying adequate coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight whether or not you might need an agent’s assistance.

• Is business property covered if stolen from my car?
• When can my company non-renew my policy?
• Exactly who is provided coverage by my policy?
• How high should my medical payments coverage be?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Am I covered when driving on a suspended license?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Auto insurance coverages

Learning about specific coverages of a auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive auto insurance

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like fire damage, falling objects, hitting a bird, theft and hail damage. The most you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chevy S-10 Blazer.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for bills for hospital visits, surgery, rehabilitation expenses, pain medications and nursing services. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Collision coverage

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

Collision coverage protects against claims such as colliding with a tree, crashing into a ditch, hitting a parking meter, backing into a parked car and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Liability coverage

This will cover damage or injury you incur to other’s property or people. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has 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 $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for claims like court costs, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Have money to burn

We covered many ideas to save on 1993 Chevy S-10 Blazer insurance. The most important thing to understand is the more times you quote, the better chance you’ll have of finding cheap car insurance. Consumers could even find that the most savings is with the smaller companies.

Insureds change insurance companies for any number of reasons including policy non-renewal, poor customer service, delays in paying claims or even high prices. Regardless of your reason for switching companies, finding a new company is easier than you think.

As you go through the steps to switch your coverage, it’s a bad idea to buy poor coverage just to save money. There are many occasions where an insured dropped physical damage coverage and found out when filing a claim they didn’t have enough coverage. The aim is to purchase a proper amount of coverage for the lowest cost while not skimping on critical coverages.

For more information, feel free to visit the following helpful articles:

• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Understanding Car Crashes Video (iihs.org)
• Teen Driving and Texting (State Farm)
• Medical Payments Coverage (Liberty Mutual)
• What is Full Coverage? (Allstate)