Compare 2001 Chevrolet S-10 Blazer Insurance Rates

Want the cheapest insurance coverage rates for your Chevrolet S-10 Blazer? Trying to find the cheapest insurance for a Chevy S-10 Blazer can be a painful process, but you can learn a few tricks to make it easier. There are both good and bad ways to shop for insurance coverage and you need to know the best way to price shop coverage for a new or used Chevy and get the best price possible either online or from local insurance agents.

It’s a good idea to get comparison quotes once or twice a year because insurance coverage rates tend to go up over time. Despite the fact that you may have had the lowest rate on S-10 Blazer insurance at your last renewal other companies may now be cheaper. Forget anything you know (or think you know) about insurance coverage because you’re about to find out how to use online quotes to find better coverage at a better price.

Choosing the best insurance company for you is not rocket science. If you are insured now or are just looking to switch companies, you will benefit by learning to cut your premiums and still get good coverage. Consumers just need to learn the tricks to buy auto insurance online.

Affordable auto insurance rate quotes online

Comparing auto insurance rates can be a lot of work if you don’t understand the fastest way to get free quotes. You can spend your afternoon talking to local insurance agents in your area, or you could use online quoting to quickly compare rates.

Most major companies belong to an insurance system where insurance shoppers submit one quote, and at least one company provides a quote determined by their information. This prevents consumers from doing form submissions to each individual auto insurance company. To enter your information into the quoting system, click here to start a free quote.

The one downside to doing it this way is that you can’t choose the providers to get pricing from. So if you want to choose specific insurance companies to compare rates, we have a listing of companies who write auto insurance in your area. Click to view list.

It doesn’t matter which method you choose, just be certain you are entering apples-to-apples quote data on every price quote you get. If each company quotes unequal deductibles or liability limits it’s not possible to determine which company has the best rates.

Use discounts to get cheaper car insurance quotes

Buying car insurance is not cheap, but discounts can save money and there are some available that could drop your premiums quite a bit. Many of these discounts will be applied automatically when you get a quote, but occassionally some discounts must be manually applied before they will apply.

• Pay Early and Save – By paying your entire bill at once instead of paying each month you could save 5% or more.
• Distant College Student Discount – Any of your kids who are enrolled in higher education away from home and don’t have a car can receive lower rates.
• Government Employees – Simply working for the federal government can save as much as 8% on S-10 Blazer insurance depending on your company.
• Savings for New Vehicles – Insuring a vehicle that is new is cheaper because newer vehicles keep occupants safer.
• Anti-lock Brake System – Cars with ABS and/or traction control have fewer accidents and qualify for as much as a 10% discount.
• Memberships – Having an affiliation with specific professional or occupational memberships or organizations can get you a small discount when getting a insurance coverage quote.
• Multiple Cars – Buying insurance for primary and secondary vehicles with the same company qualifies for this discount.
• Accident-Free Discounts – Claim-free drivers have much lower rates in comparison with insureds who have frequent claims or accidents.

Keep in mind that most discount credits are not given to all coverage premiums. Most cut the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you could get a free car insurance policy, companies wouldn’t make money that way. Any amount of discount will reduce the premium cost.

To locate companies who offer online car insurance quotes, click here to view.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Every situation is different.

For example, these questions might point out if you might need an agent’s assistance.

• Am I getting all the discounts available?
• How much liability do I need to cover my assets?
• Do I have coverage for damage caused while driving under the influence?
• Is my teenager covered with friends in the car?
• Am I covered if I wreck a rental car?
• I have health insurance so do I need medical payments coverage?
• Can I afford to pay high deductible claims out of pocket?
• Why do I need rental car insurance?
• Will I be non-renewed for getting a DUI or other conviction?
• Can I still get insurance after a DUI?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Auto insurance 101

Knowing the specifics of your policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverages – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, vandalism, a broken windshield, hail damage and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision – Collision coverage pays for damage to your S-10 Blazer resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as damaging your car on a curb, crashing into a building, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like prosthetic devices, doctor visits and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your 2001 Chevy S-10 Blazer.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Auto liability insurance – Liability insurance provides protection from damages or injuries you inflict on people or other property in an accident. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like emergency aid, loss of income, attorney fees and funeral expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.