Save on 1996 Chevrolet S-10 Blazer Car Insurance Cost

Searching for lower insurance rates for your Chevrolet S-10 Blazer? Did you fall for a flashy sales pitch and buy overpriced insurance? Trust us when we tell you you’re not the only one.

You have so many insurance companies to choose from, and though it is a good thing to have multiple companies, more options can take longer to find the lowest cost provider.

Insurance prices are influenced by these factors

Many different elements are considered when pricing auto insurance. Some are obvious like your driving record, although others are less apparent like your continuous coverage or your commute time.When buying car insurance it’s important to understand some of the elements that help determine the rates you pay for car insurance. If you know what influences your rates, this allows you to make educated decisions that could result in better car insurance rates.

The list below includes just a few of the factors utilized by car insurance companies to help set rates.

  • Cheaper prices with safer cars – Safer cars tend to be cheaper to insure. Safer cars protect occupants better and fewer injuries translates into fewer and smaller insurance claims and cheaper rates on your policy.
  • Insure your auto and home with one company – Most larger insurers afford lower prices to policyholders who consolidate policies with them in the form of a multi-policy discount. Even if you already get this discount, you still need to comparison shop to confirm you are receiving the best rates possible. Drivers may still find lower rates by buying from different companies
  • Being married is a bonus – Having a spouse may cut your premiums when buying car insurance. Having a significant other translates into being more financially stable and insurance companies like that being married results in fewer claims.
  • Do you know your coverage deductibles? – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Chevy. Some examples of claims that would be covered would be running into the backend of another car, flood damage, and burglary. Comprehensive and collision coverage deductibles define how much you are required to spend before a claim is paid by your company. The more expense you pay before a claim is paid (deductible), the bigger discount you will receive on S-10 Blazer insurance.

The most recommended method to compare car insurance company rates is to realize almost all companies actually pay money for the chance to give rate comparisons. The only thing you need to do is provide a little information such as how your vehicles are used, if you’re married, your occupation, and whether you have decent credit. Your information is then submitted to many of the top insurers and they return cost estimate almost instantly.

Car insurance discounts are available to cut your rates

Insurance can be prohibitively expensive, but there could be significant discounts that could help you make your next renewal payment. Some of these disounts will be visible when you quote, but a few need to be specially asked for prior to receiving the credit.

  • Smart Student Discounts – Being a good student can earn a discount of 20% or more. Earning this discount can benefit you until age 25.
  • Memberships – Belonging to qualifying clubs or civic groups can get you a small discount on your next renewal.
  • Switch and Save Discount – Some car insurance companies provide a discount for buying a new policy before your current policy expires. The savings is around 10%.
  • Drive Less and Save – Driving less could qualify for lower premium rates on the low mileage vehicles.
  • No Claim Discounts – Drivers who don’t have accidents pay much less when compared to drivers with a long claim history.
  • Discounts for Government Workers – Active or former government employment can save as much as 8% on S-10 Blazer insurance but check with your company.
  • Full Payment Discount – If paying your policy premium upfront as opposed to paying monthly you may have a lower total premium amount.
  • Bundled Policy Discount – When you have multiple policies and insure them both with the same insurance company you could earn a discount of up to 20% and get you cheaper car insurance.
  • Telematics Discount – Insureds who allow their car insurance company to monitor their driving habits by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if their driving habits are good.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. Most only reduce individual premiums such as medical payments or collision. Even though it appears adding up those discounts means a free policy, that’s just not realistic.

Insurance companies that may include most of the discounts above may include but are not limited to:

When getting free car insurance quotes, it’s a good idea to every insurance company which credits you are entitled to. Discounts might not be offered in your state. If you would like to choose from a list of insurers that offer the discounts shown above, click this link.

Everyone needs different insurance coverage coverages

When choosing adequate coverage, there really is not a one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions can help discover whether or not you might need professional guidance.

  • Do I benefit by insuring my home with the same company?
  • Can my babysitter drive my car?
  • Can my teen driver be rated on a liability-only vehicle?
  • Can I afford to pay high deductible claims out of pocket?
  • Who is covered when they drive my 1996 Chevy S-10 Blazer?
  • I don’t drive much so do I pay less?
  • Do I get a pro-rated refund if I cancel my policy early?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Information about specific coverages

Knowing the specifics of your insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages found on the average insurance policy.

Collision coverages – This will pay to fix damage to your S-10 Blazer resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like sustaining damage from a pot hole, crashing into a building and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Liability – This protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects you from claims by other people. 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. You commonly see values of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like medical expenses, structural damage, emergency aid and pain and suffering. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, hail damage and damage from a tornado or hurricane. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as X-ray expenses, dental work and nursing services. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

In conclusion

We just covered a lot of techniques to get a better price on 1996 Chevy S-10 Blazer insurance. The most important thing to understand is the more you quote car insurance, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with a company that doesn’t do a lot of advertising. Some small companies may have significantly lower premium rates on certain market segments than their larger competitors like Allstate, Geico and Progressive.

Some car insurance companies do not provide rates over the internet and these smaller providers only sell coverage through independent insurance agents. The cheapest 1996 Chevy S-10 Blazer insurance is definitely available on the web and also from your neighborhood agents, so you should be comparing quotes from both to have the best chance of lowering rates.

As you shop your coverage around, it’s not a good idea to skimp on coverage in order to save money. There are many occasions where someone dropped liability coverage limits only to regret that a couple dollars of savings turned into a financial nightmare. Your objective should be to find the BEST coverage at a price you can afford.

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