1994 Chevrolet S-10 Blazer Car Insurance Rates – 10 Tips to Save

No car owner is fond of buying car insurance, particularly when the cost is way too high.

Multiple car insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare car insurance companies to find the lowest rate possible.

The quickest way to compare rates is to understand most of the larger companies allow for online access to provide you with free rate quotes. To start a quote, the only thing you need to do is take a few minutes to give details such as driver ages, whether you are single or married, how much school you completed, and if you require a SR-22. That rating data is instantly submitted to all major companies and you should receive rate quotes instantly to find the best rate.

If you would like to compare rates now, click here and complete the form.

These ten discounts can lower your insurance rates

Insuring your fleet can be pricey, but there’s a good chance there are discounts that can help lower your rates. Most are applied at the time you complete a quote, but some discounts are required to be asked about before they will apply.

  • Discount for Swiching Early – Select insurance companies give a discount for switching companies before your current policy expires. The savings is around 10%.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase a life policy as well.
  • Good Student – Being a good student can save 20 to 25%. This discount can apply up until you turn 25.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts could see savings of 20 to 30 percent.
  • Senior Discount – Drivers that qualify as senior citizens may receive a small discount on rates for S-10 Blazer coverage.
  • Multiple Policy Discount – When you combine your auto and home insurance with the same insurance company they may give you a discount of over 10 percent off each policy depending on the company.
  • Paperless Signup – A handful of larger companies provide a small discount for signing up online.
  • No Claim Discounts – Drivers who don’t have accidents have much lower rates compared to frequent claim filers.
  • Driver Education Discount – Cut your cost by having your teen driver enroll in driver’s education in school or through a local driver safety program.
  • Discount for New Cars – Buying a new car model is cheaper compared to insuring an older model.

Don’t be shocked that most credits do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like comp or med pay. So even though it sounds like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

To choose insurance companies that offer some of these discounts, click here to view.

Different people need different auto insurance coverages

When buying coverage, there really is not a single plan that fits everyone. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that may help highlight if you may require specific advice.

  • Do I pay less for low miles?
  • Does coverage extend to my business vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my camper covered by my car insurance policy?
  • How does medical payments coverage work?
  • Will my rates increase for filing one claim?
  • Do I need replacement cost coverage on my 1994 Chevy S-10 Blazer?
  • Do I have any recourse if my insurance company denies a claim?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Car insurance coverage considerations

Knowing the specifics of your car insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types found on the average car insurance policy.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as hitting a parking meter, crashing into a building and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for bills for things like hospital visits, ambulance fees and doctor visits. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, damage from a tornado or hurricane and hitting a deer. The most your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverage

This provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

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 limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against things such as medical services, structural damage and loss of income. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Be a smart shopper

Discount 1994 Chevy S-10 Blazer insurance can be sourced both online and from local agencies, so get free auto insurance quotes from both of them to get a complete price analysis. Some auto insurance companies don’t offer rates over the internet and most of the time these smaller companies only sell coverage through independent agents.

We’ve covered a lot of tips how to get a better price on 1994 Chevy S-10 Blazer insurance. The key thing to remember is the more you quote auto insurance, the higher your chance of finding low cost auto insurance. You may be surprised to find that the biggest savings come from a smaller regional carrier. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.

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