Cheaper 1993 Chevrolet S-10 Blazer Car Insurance Rates

Are you at wits end from trying to scrape together enough money to make your auto insurance payment? You are in the same boat as most other drivers.

Lots of insurance companies contend to insure your vehicles, so it can be very hard to choose a insurance company to get the best price available.

It’s important to get comparison quotes before your policy renews because auto insurance prices fluctuate regularly. Despite the fact that you may have had the lowest price on S-10 Blazer coverage six months ago you can probably find a lower rate today. There is a lot of wrong information about auto insurance on the web, but in a few minutes you can learn some proven techniques to lower your auto insurance bill.

How much is insurance?

There are several ways to obtain and compare prices from many available insurance companies in your state. One of the best ways to compare 1993 Chevy S-10 Blazer insurance prices is to get quotes online. This can be done in several different ways.

  • The fastest way consumers can analyze rates is an all-inclusive rate comparison like this one (opens in new window). This easy form eliminates the need for repetitive form submissions for every insurance company. Completing one form compares rates instantly.
  • A harder way to find more affordable insurance consists of visiting the website of each company to complete a price quote. For instance, we’ll assume you want to view quotes from USAA, 21st Century and American Family. In order to get each rate, you would have to visit each site and punch in your information repeatedly, which is why the first method is quicker.

    For a list of links to insurance companies in your area, click here.

Take whichever approach you prefer, but make sure you use the same coverage limits and deductibles for each price quote. If you are comparing different liability limits then you won’t be able to get a fair rate comparison. Quoting even small variations in coverages may result in large price differences. And when quoting insurance, remember that making a lot of price comparisons increases your odds of finding a lower rate than you’re paying now. Some smaller insurers to not give online rate quotes, so it’s important to compare prices from them as well.

Insurance coverage rates and discounts

Some companies do not advertise the complete list of policy discounts very well, so we took the time to find both well-publicized as well as some of the hidden discounts that may be available. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Claim-Free Discount – Insureds who avoid accidents and claims can save substantially as compared to policyholders that have many claims.
  • Discounts for Federal Employees – Simply working for the federal government may reduce rates when you quote insurance on S-10 Blazer coverage with select insurance companies.
  • Passive Restraints – Factory air bags may qualify for discounts of up to 25% or more.
  • Telematics Data Discounts – Drivers that enable their insurance coverage company to look at their driving habits by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates as long as the data is positive.
  • Driver’s Ed – Have your child complete a driver education course in school.
  • Theft Deterent System – Vehicles that have factory anti-theft systems are less likely to be stolen so companies will give you a small discount.
  • Safety Course Discount – Participating in a driver safety course may get you a small discount and easily recoup the cost of the course.

Just know that some credits don’t apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, you won’t be that lucky.

Some companies that may offer policyholders these money-saving discounts include:

When comparing rates, check with each insurance company the best way to save money. Some discounts listed above might not be offered on policies everywhere. To view providers that offer multiple discounts, click here.

Situations that may require an agent’s advice

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions can help discover if your insurance needs may require specific advice.

  • Should I buy only the required minimum liability coverage?
  • How does medical payments coverage work?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I better off with higher deductibles on my 1993 Chevy S-10 Blazer?
  • What are the financial responsibility laws in my state?
  • Can I make deliveries for my home business?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Will filing a claim cost me more?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

How you can control Chevy S-10 Blazer insurance premiums

Consumers need to have an understanding of some of the things that are used to determine your car insurance rates. If you understand what determines base rates, this helps enable you to make changes that may result in much lower annual insurance costs. Many different elements are taken into consideration when you quote your car insurance policy. A few of the factors are predictable like a motor vehicle report, but other criteria are less apparent such as your credit history or how safe your car is.

The factors shown below are some of the major factors companies use to determine premiums.

  • Never have coverage lapses – Letting your insurance expire is a sure-fire way to pay more for car insurance. And not only will insurance be more expensive, not being able to provide proof of insurance could earn you a revoked license or a big fine.
  • More traffic means higher claims – Having an address in areas with lower population has it’s advantages when trying to find low car insurance rates. Fewer people means a lower chance of having an accident and lower theft and vandalism rates. Drivers who live in large cities tend to have much more traffic and much longer commute distances. More time commuting means higher likelihood of an accident.
  • Do you really need roadside assistance? – Insurance companies have many extra add-on coverages that you can buy if you aren’t diligent. Coverage for things like rental car coverage, accident forgiveness, and extra equipment coverage may be costing you every month. These coverages may sound good initially, but your money might be better spent on other coverage so remove them and pocket the money.
  • Compare rates if you consolidate your policies – Most larger insurers apply better rates for people who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. Even with this discount applied, drivers will still want to compare rates to make sure you are getting the best deal. Drivers may still find better rates by buying from different companies

Coverages available on your policy

Knowing the specifics of a insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are typical coverages offered by insurance companies.

Collision coverage

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 your collision coverage will kick in.

Collision insurance covers claims like sideswiping another vehicle, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

Comprehensive insurance coverage 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 coverage protects against claims such as falling objects, damage from getting keyed, a broken windshield, damage from flooding and hitting a deer. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability

This protects you from damage that occurs to other people or property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as legal defense fees, attorney fees, court costs, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical costs insurance

Med pay and PIP coverage provide coverage for expenses for things like prosthetic devices, surgery, nursing services, ambulance fees and EMT expenses. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Saving money is sweet as honey

We’ve covered many tips how you can lower your 1993 Chevy S-10 Blazer insurance prices. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. Consumers could even find that the best prices are with some of the smallest insurance companies. Some small companies can often provide lower rates in certain areas compared to the large companies like Geico and State Farm.

While you’re price shopping online, it’s a bad idea to reduce coverage to reduce premium. There are many occasions where someone dropped liability limits or collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your objective should be to purchase a proper amount of coverage for the lowest price.

More tips and info about insurance coverage is available at these sites: