Lower Your 1996 Chevrolet S-10 Blazer Insurance Rates

Trying to find the cheapest auto insurance rates? Buyers have lots of choices when searching for the best price on Chevy S-10 Blazer insurance. They can either waste time calling around trying to get quotes or save time using the internet to get rate quotes. There is a better way to buy auto insurance so we’re going to tell you the proper way to price shop coverage for a Chevy and locate the best price possible from local insurance agents and online providers.

Smart buyers save on insurance

One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the things that aid in calculating your premiums. When you understand what impacts premium levels, this helps enable you to make changes that could help you find lower premium levels. Lots of things are part of the calculation when you get your auto insurance bill. Some are pretty understandable such as your driving record, but others are not as apparent like where you live or your vehicle rating.

The factors shown below are some of the major factors that factor into your prices.

• Use but don’t abuse your insurance – If you frequently file small claims, you can look forward to higher premiums or even policy non-renewal. Auto insurance companies award lower rates to policyholders that do not abuse their auto insurance. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
• Liability coverage limits on your policy – The liability coverage on your policy is the coverage that protects you if you are ruled to be at fault for physical damage or personal injury to other. It will provide legal defense which can be incredibly expensive. Liability insurance is pretty cheap when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
• Prevent theft and save – Choosing a vehicle with a theft deterrent system can earn a premium discount. Systems that thwart theives such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop vehicle theft.
• Raising physical damage deductibles saves money – Comp and collision deductibles define the amount you are willing to pay out-of-pocket if a covered claim is submitted. Physical damage protection, aka comp and collision, covers damage that occurs to your car. Some coverage claims could be collision with another vehicle, fire damage, or theft of your vehicle. The larger the amount you pay before a claim is paid (deductible), the lower your rates will be on S-10 Blazer coverage.
• Guys pay more for insurance coverage – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. This data doesn’t prove that women are better drivers. They both are responsible for at-fault accidents at about the same rate, but men cause more damage and cost insurance companies more money. Men also get ticketed for serious violations like reckless driving and DUI. Males from age 16 to 21 are several times more likely to be in an accident and are penalized with high insurance coverage rates.
• Don’t buy add-on coverages that aren’t used – There are many extra coverages that you can buy if you aren’t diligent. Coverage for things like rental car reimbursement, accidental death, and Farm Bureau memberships may not be needed and are just wasting money. They may sound like good ideas at first, but now you might not need them so consider taking them off your policy.
• Car plus home equals more savings – Most larger insurance companies will award a discount to customers who consolidate policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount drivers will still want to shop around to confirm you are receiving the best rates possible.
• Proper usage rating affects premiums – The more miles you rack up on your Chevy annually the more you’ll pay to insure it. Almost all companies calculate prices based upon how much you drive. Autos that sit idle most of the time can be on a lower rate level than those that get driven frequently. Having the wrong rating on your S-10 Blazer may be costing you. It’s a good idea to make sure your insurance coverage coverage states the proper vehicle usage, because it can save money.

Affordable auto insurance rates with discounts

Properly insuring your vehicles can get expensive, but there could be available discounts to cut the cost considerably. Most are applied when you purchase, but a few need to be specifically requested before being credited. If they aren’t giving you every credit you deserve, you could be saving more on your auto insurance.

• Professional Memberships – Participating in qualifying clubs or civic groups may earn a discount on your next renewal.
• Include Life Insurance and Save – Some auto insurance companies give a lower price if you buy a life policy as well.
• Bundled Policy Discount – If you can combine your home and auto policy and place coverage with the same company you will save as much as 10 to 15 percent.
• Multiple Cars – Buying coverage for primary and secondary vehicles on a single policy can reduce the rates for all insured vehicles.
• Government Employee Discount – Having worked for a branch of the government could qualify for a slight premium decrease on S-10 Blazer coverage depending on your auto insurance provider.
• Discount for Home Ownership – Just owning your own home can get you a discount because maintaining a house is proof that your finances are in order.
• Low Mileage Discounts – Keeping the miles down on your Chevy may enable drivers to earn lower auto insurancerates due to less chance of an accident.
• ABS Braking Discount – Cars, trucks, and SUVs with ABS braking systems or traction control prevent accidents and will save you 10% or more.

While discounts sound great, it’s important to understand that most discounts do not apply the the whole policy. Some only reduce the price of certain insurance coverages like medical payments or collision. Despite the fact that it seems like you would end up receiving a 100% discount, you aren’t that lucky.

Some of the larger companies that may have most of these discounts include:

• Progressive
• The Hartford
• Mercury Insurance
• Geico
• AAA
• State Farm

If you want cheaper car insurance quotes, ask every prospective company what discounts are available to you. Discounts may not be available in your area. To locate providers with significant discounts, click here.

Will you really save $489 on car insurance?

Drivers constantly see and hear ads that claim the best rates from the likes of Allstate, Geico and Progressive. They all state the claim of big savings if you move your coverage to them.

But how can every company offer you a better deal? It’s all in the wording.

Companies have specific characteristics for the type of driver that earns them a profit. For example, this type of insured may need to be over the age of 40, has a low-risk occupation, and does not commute to work. Any new insured who matches those parameters receive the lowest rate quotes and will probably save quite a bit of money when switching.

Consumers who do not meet the requirements will have to pay a higher rate with the end result being the driver buying from a lower-cost company. The ads say “people that switch” not “everyone who quotes” save that much money. That’s why companies can make the claims of big savings. That is why it’s extremely important to get car insurance quotes as often as possible. It is just not possible to predict which car insurance company will fit your personal profile best.

Tailor your auto insurance coverage to you

When choosing adequate coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is a little different.

For example, these questions might point out whether your personal situation will benefit from professional help.

• Am I getting all the discounts available?
• Is my camper covered by my car insurance policy?
• When would I need additional glass coverage?
• What is medical payments coverage?
• Should I drop comprehensive coverage on older vehicles?
• Does insurance cover tools stolen from my truck?
• When should I not file a claim?
• Are my friends covered when driving my 1996 Chevy S-10 Blazer?
• Can I rate high risk drivers on liability-only vehicles?
• Am I covered when driving in Canada or Mexico?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverages explained

Understanding the coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Comprehensive or Other Than Collision – This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hail damage, a tree branch falling on your vehicle, damage from a tornado or hurricane and damage from flooding. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability auto insurance – Liability coverage protects you from damage or injury you incur to people or other property by causing an accident. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which stand for $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 coverage protects against things like medical expenses, attorney fees and structural damage. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

UM/UIM Coverage – This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Chevy S-10 Blazer.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as dental work, prosthetic devices, nursing services and X-ray expenses. They are often used in conjunction with a health insurance program or if you do not have health coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage – Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as backing into a parked car, driving through your garage door, crashing into a building, damaging your car on a curb and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

The bottom line

Consumers change insurance companies for a variety of reasons including lack of trust in their agent, questionable increases in premium, poor customer service and even unfair underwriting practices. It doesn’t matter what your reason, finding a new car insurance company can be easy and end up saving you some money.

We covered some good ideas how to shop for 1996 Chevy S-10 Blazer insurance online. It’s most important to understand that the more rate quotes you have, the better likelihood of getting inexpensive car insurance. You may be surprised to find that the best price on car insurance is with a small mutual company.

The cheapest 1996 Chevy S-10 Blazer insurance can be bought online in addition to local insurance agencies, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who do not provide the ability to get quotes online and most of the time these smaller companies sell through independent agents.

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

• Winter Driving (Insurance Information Insitute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Teen Driving Statistics (Geico)
• Tools for Teen Driving Safety (State Farm)