2004 Chevrolet S-10 Blazer Insurance Rates – 5 Tips for Cheaper Quotes

Are you a victim of an underperforming, overpriced insurance coverage policy? You’re preaching to the choir because many consumers are in the same pinch. You have so many auto insurance companies to insure vehicles with, and although it’s a good thing to have a selection, more options can take longer to find a good deal.

Choosing the best insurance company for you is not that difficult. If you have a current auto insurance policy or are looking for a new policy, you can use these techniques to shop for the lowest rates while maximizing coverage. Drivers only need an understanding of the proper methods to buy auto insurance online.

Affordable insurance coverage

All major insurance coverage companies allow consumers to get coverage price quotes from their websites. Doing online quotes is pretty painless as you simply type in your coverage information as detailed in the form. After you complete the form, their system orders credit information and your driving record and provides a quote based on the information you submitted. Online quotes makes it a lot easier to compare rates but the time it takes to visit several different sites and fill out multiple forms is repetitive and time-consuming. But it’s absolutely necessary to have as many quotes as possible if you want to find the lowest price.

Isn’t there an easier way to compare rates?

A more efficient way to find lower prices is to use a quote form that gets prices from more than one company. It’s a real time-saver, requires less work, and makes online shopping much more efficient. As soon as the form is sent, it is rated with multiple companies and you can pick your choice of the quotes returned. If the quotes result in lower rates, you can click and sign and purchase coverage. The whole process can be completed in a matter of minutes and may result in a nice savings.

To find out how much you can save on insurance coverage, click here to open in a new tab and enter your vehicle and coverage information. If you have coverage now, it’s recommended you duplicate the coverage information identical to your current policy. This ensures you will have rate comparison quotes based on similar coverages.

Auto insurance policy discounts

Auto insurance is neither fun to buy or cheap, but discounts can save money and there are some available that you may not know about. Many discounts should be triggered when you get a quote, but once in a while a discount must be specially asked for before being credited.

• College Student Discount – Older children who attend college more than 100 miles from home and won’t have access to an insured vehicle may qualify for this discount.
• Military Rewards – Being on active duty in the military can result in better prices.
• Include Life Insurance and Save – If the company offers life insurance, you could get lower rates if you buy life insurance from them.
• Bundle and Save – When you have multiple policies with the same insurance company you could get a discount of at least 10 to 15 percent or more.
• More Vehicles More Savings – Buying coverage for all your vehicles with the same company can reduce rates for all insured vehicles.

Policy discounts save money, but most of the big mark downs will not be given to all coverage premiums. Most cut the cost of specific coverages such as comprehensive or collision. Even though it may seem like you can get free auto insurance, auto insurance companies aren’t that generous.

To view insurers who offer free auto insurance quotes, click here.

How do I know if I need professional advice?

When choosing proper insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions may help you determine whether you would benefit from an agent’s advice.

• When would I need additional glass coverage?
• Do I have any recourse if my insurance company denies a claim?
• Why do I only qualify for high-risk insurance?
• Will I lose any money if I cancel my policy before it expires?
• Am I covered when driving on a suspended license?
• When can my company non-renew my policy?
• Does my policy cover me when driving someone else’s vehicle?
• Do I need medical payments coverage since I have good health insurance?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Is my cargo covered for damage or theft?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It only takes a few minutes and you can get the answers you need.

Insurance coverage breakdown

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most insurance policies.

Collision coverage

This coverage covers damage to your S-10 Blazer from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as driving through your garage door, hitting a parking meter, scraping a guard rail, sustaining damage from a pot hole and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, damage from a tornado or hurricane and hitting a deer. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like X-ray expenses, surgery, rehabilitation expenses, doctor visits and hospital visits. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your Chevy S-10 Blazer.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Liability insurance

Liability insurance will cover damage or injury you incur to a person or their property. It consists of three limits, 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 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like repair costs for stationary objects, medical services, structural damage and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Have the Midas touch

You just learned some good ideas how you can shop for 2004 Chevy S-10 Blazer insurance online. The key thing to remember is the more providers you compare, the better your chances of lowering your car insurance rates. You may even discover the lowest priced auto insurance comes from a small local company. Smaller companies can often provide lower car insurance rates in certain areas than their larger competitors like Allstate, Geico and Progressive.

Some companies do not provide price quotes online and most of the time these smaller companies only sell through independent agencies. Lower-priced 2004 Chevy S-10 Blazer insurance can be bought from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to have the best selection.

More information is located on the following sites:

• All About Airbag Safety (State Farm)
• Alcohol Impaired Driving FAQ (iihs.org)
• Safety Features for Your New Car (State Farm)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Vehicle Safety Ratings (iihs.org)