Compare 1990 Chevrolet S-10 Blazer Car Insurance Rates

Searching for the cheapest auto insurance rates? Consumers have many options when looking for affordable Chevy S-10 Blazer insurance. You can either waste hours calling around getting price quotes or utilize the internet to get rate quotes.

There are both good and bad ways to shop for auto insurance so you’re going to learn the proper way to price shop coverage for a Chevy and obtain the cheapest rates either online or from local insurance agents.

The purpose of this article is to teach you the most effective way to quote insurance. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. Consumers just need to learn the proper methods to shop over the internet.

Informed drivers can reduce their insurance premiums

When buying auto insurance it’s important to understand a few of the rating criteria that go into determining the rates you pay for auto insurance. When you understand what positively or negatively impacts your premiums, this allows you to make good choices that may reward you with lower auto insurance prices. Many factors are used in the calculation when premium rates are determined. Some factors are common sense like your driving record, but other criteria are not as apparent such as whether you are married and annual miles driven.

  • Don’t buy add-on coverages you don’t need – Insurance companies have many add-on coverages you can purchase but may not be useful. Insurance for things like rental car coverage, death and dismemberment, and term life insurance are probably not needed. They may sound like good ideas initially, but if you’ve never needed them in the past eliminate them to save money.
  • How do annual miles impact costs? – The more you drive your Chevy in a year’s time the more you will pay for auto insurance. Most insurance companies calculate rates determined by how the vehicle is used. Vehicles left parked in the garage can get a lower rate than those that get driven frequently. An incorrectly rated S-10 Blazer may be costing you higher rates. It’s a good idea to make sure your declarations sheet correctly shows the right rating data.
  • Accidents can increase costs – Drivers with clean records have lower premiums than their less careful counterparts. Even a single chargable violation can increase the cost of insurance by twenty percent. Drivers with careless citations like reckless driving, hit and run or driving under the influence might be required by their state to submit a SR-22 form with their state’s licensing department in order to prevent a license revocation.
  • Your address can impact price – Living in less populated areas can save you money when talking about auto insurance. Drivers in populated areas regularly have much more traffic and higher rates of accident claims. Less people living in that area means a lower chance of having an accident.
  • Never let your policy expire – Letting your insurance expire is a sure-fire way to pay more for auto insurance. Not only will you pay higher rates, getting caught without coverage can result in a revoked license or a big fine. You may have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Get married and pay lower prices – Walking down the aisle can get you a discount compared to being single. Marriage demonstrates that you tend to be more financially stable and statistics show married couples file fewer claims.
  • Amount of liability insurance – Liability insurance kicks in when you are found liable for causing damage or personal injury in an accident. It will provide for a legal defense up to the limits shown on your policy. Liability insurance is pretty cheap compared to comp and collision, so insureds should have plenty of protection for their assets.
  • Pay more out-of-pocket – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, helps pay for damage to your vehicle. Some examples of claims that would be covered are a dented fender, vandalism, and burglary. Physical damage deductibles are how much you are required to pay before a claim is paid by your company. The more you pay before a claim is paid (deductible), the less money you will pay for auto insurance for S-10 Blazer coverage.

Where can I get cheap auto insurance?

Most companies allow you to get pricing on their websites. The process is quite easy as you just type in your coverage information into a form. Once you submit the form, the company’s rating system requests your driving and credit reports and provides a quote based on these factors.

Being able to quote online helps simplify price comparisons, but the time required to go to many different websites and type in your information is repetitive and time-consuming. But it is imperative to perform this step in order to find the best price possible.

The easiest way to lower your auto insurance bill is to use a quote form that gets price quotes from multiple companies. It’s a real time-saver, requires much less work on your part, and makes online price comparison much easier to do. As soon as you send your information, it is quoted with multiple companies and you can pick any or none of the quote results.

If a lower price is quoted, you simply finish the application and buy the new coverage. It just takes a couple of minutes and may result in a nice savings.

If you want to compare pricing, simply click here to open in new window and input your coverage information. If you currently have coverage, we recommend you copy the insurance coverages as shown on your current policy. Doing this guarantees you will have comparison quotes based on identical coverages.

Insurance advertising tricks

Consumers get pounded daily by advertisements for insurance coverage savings by Progressive, Allstate and Geico. All the ads make the point that drivers can save some big amount if you get a free insurance quote and switch your insurance coverage policy to them.

How can each company say the same thing? It’s all in the numbers.

Insurance coverage companies have specific characteristics for the type of insured that will generate a profit. For example, this type of driver could possibly be married and over the age of 30, has a clear driving record, and drives a car with an anti-theft system. A customer who matches that profile may get the lowest prices as well as save a lot if they switch.

People who fall short of this stringent profile will have to pay higher premiums and this results in business not being written. The ad wording is “drivers that switch” not “everybody who quotes” save that much money. That’s why insurance companies can advertise the way they do.

Because of this risk profiling, it is so important to do a quote comparison often. It is impossible to predict which insurance companies will have better prices than you’re paying now.

Are you earning every discount?

Some companies don’t necessarily list all possible discounts in a way that’s easy to find, so we break down both well-publicized in addition to some of the lesser obvious credits that may apply to you.

  • Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents so companies give up to a 10% discount.
  • Early Renewal Discounts – Some larger companies reward drivers for switching policies prior to your current policy expiration. It could save around 10% when you buy insurance online.
  • Online Discount – Certain auto insurance companies may give you up to $50 for buying a policy and signing up on the internet.
  • Membership in Organizations – Belonging to specific professional or occupational memberships or organizations is a good way to get lower rates when getting a insurance quote.
  • Distant College Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from home and don’t have a car may qualify for this discount.
  • No Charge for an Accident – This isn’t a discount exactly, but companies like Libery Mutual, Geico and Allstate will forgive one accident before your rates go up if you have no claims for a particular time prior to the accident.
  • Discount for Life Insurance – Not all auto insurance companies offer life insurance, but some may give you a lower price if you buy some life insurance too.
  • Discount for Multiple Policies – When you have multiple policies with the same insurance company you could get a discount of over 10 percent off each policy depending on the company.

Please keep in mind that most discounts do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like all those discounts means the company will pay you, it just doesn’t work that way.

Popular auto insurance companies and some of their more popular discounts include:

  • Geico discounts include defensive driver, multi-vehicle, air bags, membership and employees, federal employee, and anti-lock brakes.
  • SAFECO offers premium reductions for drive less, safe driver, anti-theft, accident prevention training, bundle discounts, and teen safe driver.
  • State Farm offers discounts including Steer Clear safe driver discount, student away at school, anti-theft, passive restraint, multiple policy, multiple autos, and Drive Safe & Save.
  • MetLife includes discounts for accident-free, defensive driver, claim-free, good driver, good student, multi-policy
  • 21st Century may have discounts that include teen driver, student driver, defensive driver, 55 and older, and theft prevention.
  • Progressive policyholders can earn discounts including multi-policy, homeowner, online quote discount, continuous coverage, and online signing.

Check with all the companies which discounts can lower your rates. Some discounts listed above may not apply to policyholders in your area.

When in doubt talk to an agent

When buying the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions can aid in determining if your situation may require specific advice.

  • Should I buy full coverage?
  • Am I covered by my spouse’s policy after a separation?
  • When would I need additional glass coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • Is my trailer covered?
  • What if I total my 1990 Chevy S-10 Blazer and owe more than it’s worth?
  • How many claims can I have before being cancelled?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Insurance coverage basics

Learning about specific coverages of your policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Liability

Liability coverage will cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things such as attorney fees, loss of income, court costs, legal defense fees and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Coverage for collisions

This pays for damage to your S-10 Blazer resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sustaining damage from a pot hole, driving through your garage door, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses for hospital visits, rehabilitation expenses, nursing services and pain medications. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Chevy S-10 Blazer.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverages

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from getting keyed, hail damage, vandalism, a tree branch falling on your vehicle and theft. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

A penny earned…

We just showed you some good ideas how you can compare 1990 Chevy S-10 Blazer insurance rates online. The key concept to understand is the more you quote insurance, the better your chances of lowering your auto insurance rates. Drivers may discover the best price on car insurance is with the least-expected company.

More affordable car insurance is attainable both online and from local insurance agents, so get free insurance quotes from both of them so you have a total pricing picture. Some car insurance companies may not offer internet price quotes and many times these small insurance companies provide coverage only through independent agencies.

When buying insurance coverage, do not buy poor coverage just to save money. There are a lot of situations where an insured dropped uninsured motorist or liability limits and discovered at claim time they didn’t purchase enough coverage. The aim is to get the best coverage possible for the lowest price, not the least amount of coverage.

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