Cheaper 1997 Chevrolet S-10 Blazer Car Insurance Quotes

Trying to find cheaper insurance for your Chevy S-10 Blazer can normally be a lot of work, but you can use these tips to find lower rates.

There is a better way to shop for insurance and you need to know the absolute fastest way to quote coverages for a Chevy and find the cheapest rates from local insurance agents and online providers.

Good decisions result in lower insurance rates

Lots of things are part of the equation when you get a price on insurance. Some factors are common sense like a motor vehicle report, although some other factors are less obvious such as your credit history and annual miles driven.

• Don’t skimp on liability protection – Your insurance policy’s liability coverage will provide protection in the event that a jury decides you are liable for damages from an accident. Your policy’s liability insurance provides legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
• Your address can push rates up or down – Choosing to live in a small town can save you money when buying insurance. Fewer drivers and short commutes translates into fewer accident claims. People who live in big cities have more road rage incidents and a longer drive to work. Spending more time driving means more chances of being involved in an auto accident.
• Bump up comp and collision deductibles to lower rates – Physical damage insurance, aka comp and collision, insures against damage to your Chevy. Some examples of covered claims could be colliding with a building, damage from fire, and damage from a fallen tree branch. The deductibles tell how much you are required to pay if a claim is determined to be covered. The more you are required to pay out-of-pocket, the lower your rates will be on S-10 Blazer insurance.
• Higher prices for demanding jobs – Did you know your occupation can influence how much you pay for insurance? Jobs such as military generals, social workers and accountants tend to have higher rates than average due to job stress and long work hours. On the flip side, occupations such as farmers, athletes and homemakers receive lower rates on S-10 Blazer insurance.

How to buy insurance coverage

Lowering your 1997 Chevy S-10 Blazer insurance coverage rates can be relatively painless. Drivers just need to invest a few minutes comparing free auto insurance quotes to discover which company has the cheapest auto insurance quotes. This can easily be done by using one of the methods below.

1. If you are pressed for time, the simplest way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This method keeps you from doing repetitive form entry for every company. Filling out one form gets insurance cost estimates from insurance coverage companies with the best prices.It’s the quickest way to get rates.
2. A harder way to obtain and compare quotes online requires a visit to the website for each individual company to request a price quote. For instance, we’ll pretend you want to see prices from Farmers, 21st Century and State Farm. To find out each rate you need to take the time to go to each site and enter your policy data, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.
3. The old school method to find cheaper rates is driving around to different agent offices. Comparing rate quotes online eliminates this option unless you want the professional advice of a local agency. Although you can price shop online but purchase the actual policy in an agency.

How you compare quotes is your choice, just try to use apples-to-apples coverage data with every price quote. If you enter different liability limits it will be impossible to make an equal comparison.

Save $406 a year? Really?

Drivers constantly see and hear ads for the lowest price insurance by 21st Century, Allstate and State Farm. All the companies advertise claims of big savings if you move your policy.

How does each company offer drivers better rates? It’s all in the wording.

Insurance providers have strict underwriting profiles for the type of customer that earns them the most money. For example, a desirable insured should be between the ages of 40 and 55, owns their home, and drives less than 10,000 miles a year. Anybody that fits those parameters gets the lowest rates and is almost guaranteed to save when they switch companies.

Potential customers who may not quite match the ideal profile must pay higher premiums and this results in the customer buying from a different company. The trick is to say “customers who switch” not “everyone who quotes” will save that much if they switch. That’s why companies can truthfully advertise the savings.

This illustrates why you need to get as many free auto insurance quotes as possible. Because without a comparison, you cannot know with any certainty which company will give you the biggest savings.

Don’t overlook these insurance coverage discounts

Car insurance is not cheap, but you may find discounts that you may not even know about. Some discounts will apply when you complete an application, but occassionally some discounts must be asked about before being credited.

• Defensive Driver – Taking time to complete a defensive driving class can save you 5% or more if your company offers it.
• Lower Rates for Military – Being deployed in the military could trigger a small discount.
• Passive Restraints – Vehicles equipped with air bags may earn rate discounts up to 30%.
• Full Payment Discount – By making one initial payment rather than paying in monthly installments you can actually save on your bill.
• Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
• Discount for Multiple Policies – If you can bundle your auto and home insurance with one insurance company you could get a discount of at least 10 to 15 percent or more.
• Claim Free – Insureds with no claims or accidents are rewarded with significantly better rates on auto insurance quote as opposed to insureds who have frequent claims or accidents.
• Discounts for Good Drivers – Drivers who don’t get into accidents can save as much as half off their rates on S-10 Blazer insurance compared to rates paid by drivers with frequent claims.
• Safety Restraint Discount – Drivers who require all occupants to buckle up can save up to 15% off the personal injury premium cost.
• Federal Government Employee – Being employed by or retired from a federal job could provide a small rate reduction on S-10 Blazer insurance with select insurance companies.

As a footnote on discounts, some credits don’t apply to all coverage premiums. Most only apply to specific coverage prices like medical payments or collision. Despite the appearance that you can get free auto insurance, it just doesn’t work that way. But all discounts should help lower the cost of coverage.

A partial list of companies that may have some of the above discounts possibly include:

• State Farm
• American Family
• Geico
• 21st Century
• Progressive

Before purchasing a policy, check with each insurance company which discounts you may be entitled to. Some of the discounts discussed earlier might not be offered on policies in your state. For a list of providers with the best discounts, click here to view.

When to get professional advice

When it comes to choosing the right insurance coverage, there really is not a perfect coverage plan. Every insured’s situation is different.

For instance, these questions might help in determining if your insurance needs would benefit from professional advice.

• Are my friends covered when driving my car?
• What is high-risk coverage and where do I buy it?
• Why am I required to get a high-risk car insurance policy?
• Does my insurance cover my expensive audio equipment?
• Do I get a pro-rated refund if I cancel my policy early?
• What companies insure drivers after a DUI or DWI?
• Do I need more liability coverage?
• Does insurance cover tools stolen from my truck?
• Are there companies who specialize in insuring high-risk drivers?

If it’s difficult to answer those questions, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

Auto insurance coverages explained

Learning about specific coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Liability

This protects you from injuries or damage you cause to other’s property or people that is your fault. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability can pay for things such as medical services, loss of income, medical expenses and funeral expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

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 hospital bills for your injuries and damage to your Chevy S-10 Blazer.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as rock chips in glass, theft, a broken windshield, damage from getting keyed and damage from a tornado or hurricane. The maximum 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 consider dropping full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for expenses like surgery, EMT expenses, X-ray expenses, chiropractic care and ambulance fees. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Coverage for collisions

This covers damage to your S-10 Blazer from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as scraping a guard rail, backing into a parked car, crashing into a ditch, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

The bottom line

Drivers leave their current company for many reasons like high rates after DUI convictions, policy non-renewal, poor customer service or even denial of a claim. It doesn’t matter what your reason, finding a great new company is not as hard as you think.

Cheaper car insurance is attainable on the web as well as from independent agents, and you should be comparing both so you have a total pricing picture. Some insurance providers do not offer online quoting and usually these small insurance companies provide coverage only through independent agents.

You just read quite a bit of information on how to get a better price on 1997 Chevy S-10 Blazer insurance. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. You may be surprised to find that the most savings is with some of the smallest insurance companies.

Helpful articles

• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Your Car has been Stolen: Now What? (Allstate)
• Car Insurance: When not to Skimp (BankRate.com)
• Teen Driving Statistics (Geico)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)