2005 Chevrolet S-10 Blazer Insurance Cost – 8 Tips to Save

Beginners to comparing car insurance prices on the internet are likely to find buying cheap insurance is tougher than they thought.

Insurance policy discounts

Insurance is neither fun to buy or cheap, but there may be some discounts to cut the cost considerably. Certain discounts will be applied when you complete an application, but a few must be asked for before being credited.

• Distant Student Discount – Kids who live away from home at college without a vehicle on campus can receive lower rates.
• Low Miles Discount – Keeping the miles down on your Chevy could earn cheaper prices.
• Telematics Data Discounts – People who choose to allow their insurance company to study driving manner through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction as long as the data is positive.
• Discount for Passive Restraints – Factory options such as air bags or motorized seat belts can get savings as much as 30%.
• Auto/Home Discount – If you insure your home and vehicles with one insurance company you may earn nearly 15% which can help you find cheaper insurance.
• Pay Early and Save – By paying your policy upfront as opposed to paying monthly you can avoid monthly service charges.
• ABS and Traction Control Discounts – Anti-lock brake equipped vehicles can stop better under adverse conditions and will save you 10% or more.
• Accident Waiver – This isn’t a discount exactly, but a few companies such as Progressive, State Farm and Geico will turn a blind eye to one accident before hitting you with a surcharge if you are claim-free for a specific time period.

You should keep in mind that most of the big mark downs will not be given to all coverage premiums. A few only apply to individual premiums such as liability, collision or medical payments. Even though the math looks like you can get free auto insurance, insurance companies aren’t that generous.

A partial list of companies that may offer quotes with these discounts include:

• Geico
• Mercury Insurance
• Farmers Insurance
• Auto-Owners Insurance
• Liberty Mutual
• SAFECO
• Progressive
• USAA

If you need cheaper insurance quotes, ask all companies you are considering which discounts you may be entitled to. Some discounts listed above may not apply to policyholders in your area. To see a list of insurers offering insurance discounts, click this link.

Big names are not always cheapest

Insurance companies such as State Farm, Geico and Progressive seem to constantly run ads on television and other media. They all make the same claim about how much you will save after switching your insurance policy to them. How does every insurance company give you a better price? Here is how they do it.

All the different companies quote their best rates for the driver that will be a good risk. One example of this type of risk profile could possibly be a female over age 40, owns their home, and drives a lower-performance vehicle. Any person who matches those parameters receives the best prices and will save a lot of money.

Drivers who do not match these standards will probably be forced to pay higher premiums which leads to the customer buying from someone else. The trick companies use is to say “people that switch” not “everyone who quotes” save money. That is how companies can advertise the savings.

This really drives home the point why you should get a wide range of price quotes. It is just not possible to predict with any certainty which company will have better rates than you’re paying now.

How do I know if I need professional advice?

When it comes to buying proper insurance coverage for your vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions may help highlight whether your personal situation will benefit from professional help.

• Does my insurance cover a custom paint job?
• How can I force my company to pay a claim?
• Am I covered when driving a rental car?
• What is no-fault insurance?
• Do I need medical payments coverage since I have good health insurance?
• Is my cargo covered for damage or theft?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form.

Car insurance coverage breakdown

Having a good grasp of your car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as EMT expenses, hospital visits, dental work and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Coverage for collisions

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

Collision insurance covers claims like damaging your car on a curb, sustaining damage from a pot hole, rolling your car, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive insurance

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a bird, damage from getting keyed, vandalism, a broken windshield and a tree branch falling on your vehicle. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability car insurance

Liability coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims like bail bonds, repair costs for stationary objects and medical services. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your Chevy S-10 Blazer.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these coverages do not exceed the liability coverage limits.

More effort can pay off

As you go through the steps to switch your coverage, never buy poor coverage just to save money. There are too many instances where an insured cut physical damage coverage only to regret at claim time that the small savings ended up costing them much more. Your focus should be to find the BEST coverage for the lowest cost but still have enough coverage for asset protection.

Some insurance providers may not offer rate quotes online and these regional carriers only sell through independent insurance agencies. Cost effective 2005 Chevy S-10 Blazer insurance can be found on the web in addition to many insurance agents, and you should compare rates from both to get a complete price analysis.

We covered some good ideas how you can save on 2005 Chevy S-10 Blazer insurance. The key concept to understand is the more you quote insurance, the better your chances of lowering your rates. Drivers may discover the lowest priced car insurance comes from a smaller regional carrier.

To learn more, feel free to visit the resources below:

• Medical Payments Coverage (Liberty Mutual)
• Understanding Car Crashes Video (iihs.org)
• Child Safety FAQ (iihs.org)
• Frontal Crash Tests (iihs.org)