Save on 1995 Chevrolet S-10 Blazer Car Insurance Quotes

Searching for the cheapest insurance rates? Consumers have many options when looking for affordable Chevy S-10 Blazer insurance. You can either spend your time struggling with agents to compare prices or utilize the internet to get rate quotes.

There is a right way and a wrong way to compare insurance rates so you’re going to learn the best way to price shop coverage for a Chevy and obtain the lowest possible price.

If you have a current car insurance policy or need new coverage, you can learn to find the best rates and still get good coverage. The purpose of this post is to instruct you on how car insurance quotes work and some tips to save money. Drivers just need to know the most effective way to compare company rates on the web.

Don’t miss these rate-reducing discounts

Companies offering auto insurance do not advertise all available discounts very clearly, so we took the time to find a few of the more well known as well as some of the hidden discounts that you may qualify for. If you check and find you aren’t receiving every discount available, you are throwing money away.

  • Cautious Drivers – Drivers who avoid accidents can save up to 40% or more on their auto insurance quote for S-10 Blazer insurance compared to rates paid by drivers with frequent claims.
  • Accident Free – Good drivers with no accidents are rewarded with significantly better rates on auto insurance quote as compared to insureds who have frequent claims or accidents.
  • Military Discounts – Having a deployed family member could be rewarded with lower prices.
  • Home Ownership Discount – Owning a house may trigger a policy discount on insurance coverage because of the fact that having a home means you have a higher level of financial diligence.
  • Senior Citizens – If you qualify as a senior citizen, you may be able to get a discount up to 10% for S-10 Blazer insurance.
  • Accident Forgiveness Coverage – This one isn’t a discount, but companies like Allstate and State Farm may permit one accident before they charge you more for coverage as long as you don’t have any claims for a particular time prior to the accident.

Just know that some credits don’t apply the the whole policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you can get free auto insurance, nobody gets a free ride.

Some of the larger companies that possibly offer many of the previously listed discounts include:

If you need cheap auto insurance quotes, ask all companies you are considering to apply every possible discount. Savings may not apply in your area. To find insurance coverage companies that offer some of these discounts, follow this link.

Where can I get the cheapest car insurance?

Getting cheap 1995 Chevy S-10 Blazer car insurance pricing is pretty simple and can save money. You just have to take a few minutes comparing free auto insurance quotes to discover which company has the cheapest auto insurance quotes. Comparing prices online can be done by using one of the methods below.

  • One of the best ways to find the lowest comparison rates is a comparison rater form click here to open form in new window. This quick form keeps you from doing multiple quote forms for each price estimate. Completing one form will get you price quotes direct from many companies.It’s the quickest way to get rates.
  • A harder way to compare rate quotes requires a trip to the website for each individual company and go through the quote process again. For sake of this example, we’ll pretend you want rates from Geico, State Farm and GMAC. In order to get each rate, you would have to go to each individual site and type in your information over and over, which is why the first method is quicker. For a list of companies in your area, click here.
  • The least recommended way to get comparison rates is to drive around to all the different insurance agencies. The ability to get quotes online has reduced the need for local agents unless you’re the type of person who wants the trained advice that only a licensed agent can provide. Although you can get prices online but still have the advice of a local agent.

You can use whichever method you prefer to find lower rates, just compare nearly identical information on every price quote you get. If you use mixed coverages it will be impossible to get a fair rate comparison.

Informed consumers can slash their insurance premiums

Consumers need to have an understanding of a few of the rating criteria that help calculate the level of your policy premiums. If you understand what influences your rates, this enables you to make decisions that could result in lower insurance prices. Lots of things are used in the calculation when quoting car insurance. Some factors are common sense like your driving record, but other factors are not quite as obvious such as your credit history or your vehicle rating.

Listed below are some of the items used by your company to calculate rates.

  • Bundle and save – The majority of insurance companies afford a discount for people who consolidate policies with them such as combining an auto and homeowners policy. Even if you’re getting this discount you still need to shop around to confirm you are receiving the best rates possible. It’s possible to still save more without the discount even if you have your coverage with different companies
  • Avoid traffic tickets – Having a clean driving record has a huge affect on how much you pay. Careful drivers receive lower rates as compared to careless drivers. Even a single ticket can increase rates to the point where it’s not affordable. Drivers who have gotten license-revoking tickets such as hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent a license revocation.
  • Lower premiums with theft deterrents – Driving a car with an alarm system can help bring down rates. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping vehicle theft.
  • Teenagers are high risk – Beginning drivers are statistically shown to be inattentive in a vehicle therefore insurance rates are much higher. Having to add a first-time driver to your policy will cause a huge premium hike. More mature drivers have been proven to be more responsible, are lower risk to insure and tend to be get fewer driving tickets.

Do I need special coverages?

When it comes to choosing the best car insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions might help in determining if your situation may require specific advice.

  • Does my policy cover my teen driver if they drive my company car?
  • Can I afford low physical damage deductibles?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does my 1995 Chevy S-10 Blazer need full coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is rental equipment covered for theft or damage?
  • What are the financial responsibility laws in my state?
  • Where can I find DUI or SR-22 insurance?
  • When does my teenage driver need to be added to my policy?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.

Parts of your insurance policy

Understanding the coverages of a insurance policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for ambulance fees, nursing services, doctor visits and pain medications. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers 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 is not universally available and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, vandalism, damage from getting keyed and rock chips in glass. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto collision coverage

This coverage will pay to fix damage to your S-10 Blazer from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as crashing into a ditch, sideswiping another vehicle, sustaining damage from a pot hole, hitting a parking meter and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

This gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability

This coverage protects you from injuries or damage you cause to a person or their property in an accident. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things such as repair bills for other people’s vehicles, medical services, funeral expenses and court costs. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Online plus local equals savings

We just presented quite a bit of information on how to lower your 1995 Chevy S-10 Blazer insurance rates. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the best rates are with a lesser-known regional company.

Consumers change insurance companies for a variety of reasons including denial of a claim, poor customer service, delays in paying claims and even unfair underwriting practices. It doesn’t matter what your reason, finding the right insurance provider is pretty simple and you could end up saving a buck or two.

When searching for cheaper auto insurance quotes, it’s very important that you do not skimp on coverage in order to save money. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits and discovered at claim time that the savings was not a smart move. The ultimate goal is to get the best coverage possible at a price you can afford, but don’t skip important coverages to save money.

For more information, take a look at the resources below: