1999 Chevrolet S-10 Blazer Insurance Rates – 6 Tips for Cheapest Quotes

Want the cheapest auto insurance rates for your Chevrolet S-10 Blazer? Trying to find the cheapest insurance for a new or used Chevy S-10 Blazer could be difficult, but you can learn the following methods and make it easy.

There are both good and bad ways to shop for auto insurance and you need to know the proper way to price shop coverage on a Chevy and locate the lowest possible price either online or from local insurance agents.

Buying affordable protection can be fairly easy. If you have insurance now or are looking for a new policy, you can use this information to shop for the lowest rates while maintaining coverages. Drivers just need to learn the most effective way to shop online.

Where can I get low cost auto insurance?

Getting cheaper 1999 Chevy S-10 Blazer auto insurance pricing doesn’t have to be difficult. The only thing you need to do is spend a few minutes comparing price quotes online from several insurance companies. This is very easy and can be done using a couple different methods.

1. The most recommended method to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This easy form keeps you from doing repetitive form submissions for each company. Taking the time to complete one form gets insurance cost estimates from auto insurance companies with the best prices.It’s the quickest way to get rates.
2. A less efficient way to analyze rates consists of visiting the website of each company to complete their respective quote request forms. For examples sake, we’ll pretend you want rates from Allstate, Farmers and State Farm. In order to compare rates, you need to go to each individual site and enter your information, which is why first method is reommended. For a list of companies in your area, click here.
3. The hardest method to find cheaper rates is to spend time driving to all the different insurance agencies. Quoting online eliminates the need for an insurance agent unless you have a complicated situation and need the trained guidance that you can only get from talking to an agent. It is possible with some companies price shop online but still have the advice of a local agent.

However you get your quotes, try to keep equivalent coverage information on every quote you get. If the quotes have differing limits it’s not possible to decipher which rate is best.

Double check you’re getting with these six discounts

Car insurance can cost a lot, but discounts can save money and there are some available that many people don’t even know exist. Certain discounts will be applied when you complete an application, but some may not be applied and must be inquired about prior to receiving the credit.

• Defensive Driver Discount – Completing a course that instructs on driving safety could cut 5% off your bill and easily pay for the cost of the class.
• Accident-Free Discounts – Insureds with no claims or accidents can earn big discounts when compared to accident-prone drivers.
• More Vehicles More Savings – Buying a policy with all your vehicles on one policy can reduce the rates for all insured vehicles.
• Organization Discounts – Being a member of qualifying employment or professional organizations could qualify you for a break on your bill.
• Telematics Data Discounts – Insureds who allow their auto insurance company to track where and when they drive by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they have good driving habits.
• Government Employee Discount – Employees or retirees of the government can save as much as 8% on S-10 Blazer insurance with select insurance companies.

As a footnote on discounts, most discounts do not apply the the whole policy. The majority will only reduce specific coverage prices like collision or personal injury protection. So even though you would think all those discounts means the company will pay you, companies don’t profit that way. Any amount of discount will cut your auto insurance premiums.

Larger auto insurance companies and their possible discounts are:

• Farm Bureau has savings for renewal discount, youthful driver, multi-vehicle, good student, and safe driver.
• State Farm may have discounts that include accident-free, multiple autos, safe vehicle, multiple policy, and defensive driving training.
• Progressive offers premium reductions for multi-vehicle, online signing, continuous coverage, online quote discount, and good student.
• Allstate may include discounts for premier plus, safe driver, new car, 55 and retired, utility vehicle, teenSMART discount, and EZ pay plan discount.
• Nationwide offers discounts for defensive driving, business or organization, anti-theft, accident-free, Farm Bureau membership, and family plan.
• MetLife may offer discounts for good student, good driver, claim-free, multi-policy, accident-free, and defensive driver.

If you need lower rates, check with all the companies which discounts they offer. Discounts may not apply to policies in your area. If you would like to choose from a list of insurers with discount rates, follow this link.

Your situation helps dictate your coverage

When buying adequate coverage, there really is not a cookie cutter policy. Everyone’s situation is unique.

For instance, these questions could help you determine if you may require specific advice.

• Where can I find high-risk insurance?
• Do I need replacement cost coverage on my 1999 Chevy S-10 Blazer?
• Do I have coverage when pulling a U-Haul trailer?
• When should I not file a claim?
• Should I waive the damage coverage when renting a car?
• Am I covered if I hit a deer?
• What if I owe more than I can insure my car for?
• Should I buy only the required minimum liability coverage?
• Does my medical payments coverage pay my health insurance deductible?
• Do I need an umbrella policy?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Coverages available on your auto insurance policy

Understanding the coverages of your auto insurance policy can help you determine which coverages you need for your vehicles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for bills such as doctor visits, X-ray expenses, prosthetic devices and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

Liability auto insurance

Liability coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as funeral expenses, medical expenses and court costs. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

Collision coverage pays for damage to your S-10 Blazer resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims like scraping a guard rail, damaging your car on a curb, backing into a parked car, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, a broken windshield, hail damage, damage from a tornado or hurricane and theft. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.