How Much Does 1994 Chevrolet S-10 Blazer Insurance Cost?

Want cheaper insurance coverage rates for your Chevrolet S-10 Blazer? If price shopping car insurance quotes online is new to you, it’s easy to be overwhelmed because of the huge number of online insurance coverage companies and websites all promising to save you money.

Buying car insurance is quite easy. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these techniques. Although consumers should learn how big insurance companies compete online.

Buy insurance coverage online

To find cheaper car insurance quotes, there are several ways to get quotes from companies that offer insurance coverage in your state. The recommended way to lower the rate you pay for 1994 Chevy S-10 Blazer insurance involves getting comparison quotes online. This is very easy and can be done in several different ways.

1. One of the fastest ways to get the best comparison quotes is to use a rate comparison form click to view form in new window. This method saves time by eliminating separate quote forms for each company you want a rate for. In just a few minutes this one form compares rates from several companies. This is by far the quickest method.
2. A more difficult way to analyze rates requires a trip to each company website and complete a new quote form. For examples sake, let’s assume you need rates from Liberty Mutual, Farmers and American Family. To do that, you would have to take the time to go to each site and enter your policy data, which is why the first method is quicker.

   For a list of companies in your area, click here.

3. The last way to comparison shop rate quotes is driving to all the different insurance agencies. The ability to get quotes online makes this process obsolete unless you’re the type of person who wants the peace of mind of an agent trained in personal lines coverage. It is possible with some companies comparison shop online and get advice from an agent in your area.

Take whichever approach you prefer, but be sure to compare the same coverages and limits for every quote you compare. If the quotes have different liability limits you can’t possibly truly determine the lowest rate. Having just a slight variation in limits may cause a big price difference. Just remember that obtaining a wide range of quotes helps you find better pricing. Some insurance companies are not set up to provide quotes online, so it’s necessary to compare price estimates from those companies as well.

Insurance coverage quotes and discounts

Insurance coverage is not an enjoyable expense, but there’s a good chance there are discounts that you may not even know about. Some discounts will apply at quote time, but lesser-known reductions have to be specially asked for prior to receiving the credit.

• Theft Deterent – Cars optioned with advanced anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
• Discount for Passive Restraints – Factory air bags or motorized seat belts can qualify for discounts as much as 30%.
• ABS Brakes – Cars that have anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
• Accident Forgiveness Coverage – Not really a discount, but some insurance companies will turn a blind eye to one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
• Multiple Vehicles – Buying coverage for more than one vehicle with one company can get a discount for every vehicle.
• Employee of Federal Government – Employees or retirees of the government can save as much as 8% for S-10 Blazer coverage but check with your company.
• Resident Student – Kids who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle may be insured at a cheaper rate.
• Memberships – Being in specific professional or occupational memberships or organizations could qualify you for a break on insurance coverage.
• New Car Discount – Buying a new car instead of a used car can get you a discount because newer models are generally safer.

It’s important to note that many deductions do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, companies wouldn’t make money that way.

If you would like to see a list of insurance coverage companies that offer multiple discounts, click this link.

Situations that may require an agent’s advice

When buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help you determine if your insurance needs might need professional guidance.

• When should I remove comp and collision on my 1994 Chevy S-10 Blazer?
• Am I covered if I break a side mirror?
• Is my state a no-fault state?
• How do I buy GAP insurance?
• What are the best liability limits?
• Is a fancy paint job covered?
• What is roadside assistance coverage?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Find Chevy S-10 Blazer insurance at a discount

Consumers need to have an understanding of the factors that help determine your auto insurance rates. If you have a feel for what positively or negatively impacts your premiums, this allows you to make good choices that may reward you with cheaper rates. Many factors are used when quoting car insurance. Some are pretty understandable such as your driving record, but other criteria are more transparent like your vehicle usage or how safe your car is.

The itemized list below are a partial list of the pieces utilized by car insurance companies to help set your rate level.

• Your car’s features help determine auto insurance rates – Purchasing a vehicle that has an advanced theft prevention system can save you some money. Theft deterrent systems such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent your car from being stolen.
• Avoid policy lapses – Not having insurance is not a good idea and auto insurance companies will penalize you for letting your insurance expire. Not only will rates go up, not being able to provide proof of insurance can result in fines and jail time.
• The more you drive the more you pay – The higher the mileage driven in a year the higher your rates will be. Almost all companies price each vehicle’s coverage based upon how the vehicle is primarily used. Cars and trucks that have low annual miles cost less to insure as compared to vehicles used primarily for driving to work. Having the wrong rating on your S-10 Blazer is throwing money out the window. It’s always a good idea to double check that your auto insurance declarations sheet shows the right rating data, because it can save money.
• Job reflects on rates – Careers like doctorsair traffic controllers and miners tend to have higher rates than the rest of us attributed to intense work situations and lots of time spent away from family. On the other hand, professions such as actors, engineers and the unemployed generally pay rates lower than average for S-10 Blazer coverage.
• Do you really need to file that auto insurance claims? – Car insurance companies generally give most affordable rates to drivers that do not abuse their auto insurance. If you’re an insured who likes to file claims you can expect either policy cancellation or increased premiums. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.

Is there truth in advertising?

Insurance companies such as Geico, State Farm and Progressive seem to constantly run ads in print and on television. They all seem to tend to make the same promise about savings if you change your coverage. But how can every company offer drivers better rates? Just pay attention to how they say it.

Different companies can use profiling for the type of driver that earns them the highest profit. For example, a driver they prefer might have to be over the age of 35, has few claims, and drives newer vehicles. Anyone that matches those criteria will most likely get cheap prices as well as cut their rates if they switch.

Potential insureds who do not meet the “perfect” profile will have to pay higher premiums and ends up with the customer buying from someone else. If you listen closely, the ads state “drivers that switch” not “everybody who quotes” save that much when switching. That’s why insurance companies can confidently make the claims of big savings. Each company has different criteria, so you really need to compare quotes as often as possible. It’s just too difficult to predict with any certainty which company will give you the biggest savings.

Information about specific coverages

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hail damage, hitting a bird, theft, fire damage and vandalism. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses like doctor visits, dental work, chiropractic care, rehabilitation expenses and hospital visits. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your 1994 Chevy S-10 Blazer.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability insurance

This coverage can cover injuries or damage you cause to people or other property by causing an accident. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like court costs, structural damage and loss of income. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like sideswiping another vehicle, sustaining damage from a pot hole, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Save your hard earned cash

Discount 1994 Chevy S-10 Blazer insurance is available on the web and from local agencies, so you need to quote car insurance with both so you have a total pricing picture. A few companies may not offer the ability to get a quote online and many times these small insurance companies only sell coverage through independent agencies.

When shopping online for auto insurance, you should never skimp on critical coverages to save a buck or two. There are a lot of situations where an insured cut liability limits or collision coverage and learned later that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy a smart amount of coverage at the best price and still be able to protect your assets.

Insureds leave their current company for any number of reasons including high rates after DUI convictions, denial of a claim, not issuing a premium refund and high prices. Regardless of your reason for switching companies, switching auto insurance companies is actually quite simple.

Even more information is located at these sites:

• Rollover Crash FAQ (iihs.org)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Teen Driving Statistics (Geico)
• All About Airbag Safety (State Farm)