Save on 1992 Chevrolet S-10 Blazer Insurance Quotes

Trying to find better insurance prices for your Chevy S-10 Blazer can be a painful process, but you can follow a few tricks and make it easy.

There is a right way and a wrong way to find insurance online and you need to know the absolute fastest way to get price quotes for a new or used Chevy and find the best price possible.

It’s important to price shop coverage every six months because insurance rates are usually higher with each renewal. Just because you found the best premium rates on S-10 Blazer insurance six months ago a different company probably has better prices today. Ignore everything you know about insurance because you’re about to learn how to quote online to remove unneeded coverages and save money.

If you are insured now or are just looking to switch companies, you can learn to get lower rates and possibly find even better coverage. Finding more affordable coverage is easy if you know what you’re doing. Drivers only need an understanding of the most efficient way to get comparison rates over the internet.

Free auto insurance quotes

Shopping for lower auto insurance rates can be a daunting task if you aren’t aware of the best way to get rate quotes. You can waste hours talking about coverages with agents in your area, or you could use the internet to get prices fast.

Many companies belong to an insurance system that enables customers to submit one quote, and each participating company can provide price quotes determined by their information. This system prevents you from having to do repetitive form submissions to every company. To find out how much you’re overpaying now click here to open in new window.

The only drawback to doing it this way is you are unable to specify the providers you will receive quotes from. If you wish to select from a list of companies to receive pricing from, we have a listing of companies who write auto insurance in your area. Click to view list.

However you get your quotes, be sure you’re using nearly identical coverages for every company. If you are comparing different values for each quote you will not be able to determine which company has the best rates.

Auto insurance advertising gotchas

Consumers get pounded daily by advertisements that promise big savings from companies such as Geico, State Farm and Progressive. They all tend to make the same promise about how much you will save if you move your coverage to them.

How does every company save you money? This is the way they can do it.

All companies have specific guidelines for the type of customer that will add to their bottom line. A good example of a desirable insured might have to be between 30 and 50, has had continuous coverage, and has great credit. A customer that fits those parameters will get low prices as well as save if they switch.

People who do not fit the ideal profile will get a more expensive rate with the end result being business not being written. The trick is to say “people who switch” not “all people who quote” save that much when switching. That’s the way companies can make it sound like they have such great car insurance rates.

Because each company has a different risk profile, you should do a rate comparison at every renewal. You cannot predict with any certainty which company will provide the lowest rates.

Lower rate quotes by taking advantage of discounts

Not many people think insurance is cheap, but you might be missing out on some discounts that can dramatically reduce your bill. Certain discounts will be applied at the time of quoting, but some must be requested specifically before they will apply.

  • Multi-Vehicle Discounts – Buying insurance for more than one vehicle on the same auto insurance policy can reduce the rates for all insured vehicles.
  • Telematics Discount – Drivers who elect to allow driving data submission to look at their driving habits by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts as long as the data is positive.
  • Distant College Student Discount – who are enrolled in higher education away from home without a vehicle on campus may qualify for this discount.
  • Smart Student Discounts – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Federal Government Employee – Having worked for a branch of the government could qualify for a slight premium decrease on S-10 Blazer insurance with select insurance companies.
  • Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you better rates if you take out life insurance.
  • Anti-lock Brake System – Cars and trucks with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Early Switch Discount – A few companies allow discounts for switching companies before your current expiration date. Ten percent is about the average savings.
  • Buy New and Save – Buying a new car model can save you some money because newer vehicles are generally safer.
  • Online Discount – A few larger online companies may give you up to $50 for completing your application on the internet.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to the entire policy premium. Most only reduce the cost of specific coverages such as comprehensive or collision. So when the math indicates adding up those discounts means a free policy, companies wouldn’t make money that way.

A few popular companies and some of their more popular discounts can be read below.

  • Geico offers discounts for defensive driver, good student, federal employee, daytime running lights, air bags, and five-year accident-free.
  • MetLife includes discounts for multi-policy, good driver, accident-free, defensive driver, good student, and claim-free.
  • Progressive offers discounts including multi-policy, online signing, online quote discount, multi-vehicle, good student, homeowner, and continuous coverage.
  • Travelers may have discounts that include driver training, continuous insurance, early quote, multi-policy, save driver, and student away at school.
  • SAFECO discounts include multi-car, safe driver, homeowner, drive less, and accident prevention training.
  • AAA may include discounts for multi-car, good driver, AAA membership discount, multi-policy, and good student.

Double check with each company to apply every possible discount. Some discounts may not apply to policyholders in your area. To choose providers who offer online auto insurance quotes, click this link.

How much auto insurance do I need?

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is unique.

For example, these questions may help you determine whether you may require specific advice.

  • Am I covered if I drive in a foreign country?
  • Why am I required to get a high-risk car insurance policy?
  • What if I total my 1992 Chevy S-10 Blazer and owe more than it’s worth?
  • Does my insurance cover a custom paint job?
  • Is a new car covered when I drive it off the dealer lot?
  • What is high-risk coverage and where do I buy it?
  • Am I covered when driving a rental car?
  • Can I afford to buy a different vehicle if my 1992 Chevy S-10 Blazer is totaled?
  • Does coverage extend to Mexico or Canada?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverages for a 1992 Chevy S-10 Blazer

Understanding the coverages of car insurance can be of help when determining the best coverages for your vehicles. Car insurance terms can be confusing and even agents have difficulty translating policy wording.

Collision coverages – This covers damage to your S-10 Blazer resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with a tree, sideswiping another vehicle, scraping a guard rail, hitting a parking meter and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as pain medications, nursing services, surgery and rehabilitation expenses. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Comprehensive auto coverage – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like theft, rock chips in glass and damage from a tornado or hurricane. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 1992 Chevy S-10 Blazer.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages are set the same as your liablity limits.

Coverage for liability – This can cover damage that occurs to other’s property or people in an accident. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as pain and suffering, court costs, legal defense fees, emergency aid and loss of income. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Save for a rainy day

Consumers who switch companies do it for a variety of reasons including unfair underwriting practices, delays in responding to claim requests, denial of a claim or delays in paying claims. No matter why you want to switch, switching car insurance companies is not as difficult as it may seem.

We just showed you quite a bit of information on how to save on 1992 Chevy S-10 Blazer insurance. The key thing to remember is the more quotes you get, the better your comparison will be. You may even discover the biggest savings come from some of the lesser-known companies.

When buying insurance coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced physical damage coverage and discovered at claim time that the savings was not a smart move. Your goal is to get the best coverage possible at a price you can afford.

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