Lower Your 1997 Chevrolet S-10 Blazer Car Insurance Quotes

Looking for better insurance rates for your Chevrolet S-10 Blazer? Having to pay for overpriced insurance can stress out your accounts and force you to prioritize other expenses. Getting a rate comparison is a great way to tighten up your finances.

Popular companies such as Progressive, State Farm and Geico constantly bombard you with ads and it can be hard to avoid their marketing magic and do the work needed to find the best deal.

It is always a good idea to get comparison quotes once or twice a year because prices tend to go up over time. Just because you had the lowest rates for S-10 Blazer insurance last year a different company probably has better rate quotes today. You can find a lot of information about insurance online, but we’re going to give you some of the best techniques to lower your insurance rates.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this strategy. Choosing the best insurance company for you is quite easy. Nevertheless, car owners should learn how the larger insurance companies market on the web and take advantage of how the system works.

Get cheap car insurance rates with discounts

Auto insurance companies don’t always publicize all disounts in an easy-to-find place, so we researched a few of the more well known and also the lesser-known ways to save on car insurance.

  • Full Payment Discount – If you can afford to pay the entire bill rather than paying in monthly installments you can avoid monthly service charges.
  • Good Students Pay Less – Performing well in school may save you up to 25%. Earning this discount can benefit you up to age 25.
  • Federal Government Employee – Simply working for the federal government may qualify for a discount when you quote car insurance for S-10 Blazer insurance with certain companies.
  • College Student – Youth drivers who are enrolled in higher education away from home and don’t have a car could qualify for this discount.
  • Claim-Free Discount – Insureds who avoid accidents and claims get the best car insurance rates in comparison with insureds who have frequent claims or accidents.

While discounts sound great, it’s important to understand that most discounts do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as medical payments or collision. Just because you may think it’s possible to get free car insurance, you aren’t that lucky.

Some companies who may offer these discounts may include but are not limited to:

Before buying, ask every company which discounts you may be entitled to. Some of the discounts discussed earlier might not be available to policyholders in your area. To see a list of car insurance companies that offer discounts, follow this link.

Quote insurance online

All the larger insurance companies give coverage price quotes direct online. Getting online quotes is possible for anyone as you simply type in your required coverages into the form. After you submit the form their quoting system will obtain information on your driving record and credit history and provides a quote based on these and other factors. Being able to quote online makes it easy to compare insurance prices but the time required to go to many different websites and type in the same data is monotonous and tiresome. But it’s necessary to have as many quotes as possible in order to get the best price on insurance.

The quickest way to get multiple rate quotes utilizes a single form that gets price quotes from several different companies. It’s a real time-saver, eliminates form submissions, and makes rate comparisons much more enjoyable and efficient. Once the form is submitted, your coverage is rated and you can choose any one of the returned quotes. If a lower price is quoted, you can simply submit the application and purchase the new policy. It can be completed in less than 10 minutes and can result in significant savings.

To quickly use this form to compare rates, click here to open in a new tab and complete the simple form. To compare your current rates, we recommend you complete the form with the coverages identical to your current policy. Doing this assures you will get a fair comparison using the same coverage and limits.

Informed decisions result in lower insurance prices

The best way to find cheaper car insurance is to take a look at some of the things that aid in calculating the level of your policy premiums. When consumers understand what determines premiums, this allows you to make good choices that could result in lower premium levels. Many different elements are used in the calculation when you get a price on insurance. Most are fairly basic such as your driving history, although some other factors are less obvious such as whether you are married and annual miles driven.

Shown below are some of the most common factors used by insurance companies to determine rates.

  • Married people drive safer – Getting married helps lower the price on your policy. Having a spouse demonstrates that you tend to be more mature and responsible and it’s statistically proven that married drivers tend to file fewer claims.
  • Save miles driven and save money – The more miles you rack up on your Chevy in a year the more you will pay for car insurance. Many insurance companies charge to insure your cars determined by how the vehicle is used. Vehicles used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. An incorrectly rated S-10 Blazer may be costing you higher rates. It’s a smart idea to ensure your vehicle rating correctly shows how each vehicle is driven, because improper ratings can cost you money.
  • Male rates may be higher – Over time, data shows that men are more aggressive behind the wheel. This data doesn’t prove that men are WORSE drivers than women. Females and males have at-fault accidents in similar numbers, but males cause more damage and cost insurance companies more money. In addition to higher claims, males also receive more major tickets like DWI (DUI) or reckless driving. Youthful male drivers cause the most accidents and therefore have the most expensive car insurance rates.
  • Premiums are affected by your address – Having an address in areas with lower population can save you money when insuring your vehicles. Urban drivers tend to have much more traffic and longer commute times. Less people living in that area corresponds to lower accident rates in addition to lower liability claims
  • Do you really need roadside assistance? – There are a ton of optional add-on coverages you can purchase when buying car insurance. Coverages like personal injury protection, better glass coverage, and Farm Bureau memberships may be costing you every month. The coverages may be enticing when you first buy your policy, but if they’re wasting money remove them from your policy.
  • Responsible drivers pay the best rates – How you drive has a lot to do with how much you pay for insurance. Careful drivers pay less for auto insurance than their less careful counterparts. Having just one ticket may increase your cost forty percent or more. Drivers with license-revoking violations such as reckless driving or DUI may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to legally drive a vehicle.
  • Vocation stress can affect car insurance rates – Did you know that where you work can have an impact on rates? Occupational choices like judgesairline pilots and stock brokers generally have higher premiums than the average policyholder attributed to high stress and long work days. Other jobs such as actors, students and the unemployed generally pay rates lower than average for S-10 Blazer insurance.
  • Cars with good safety ratings cost less to insure – Safe vehicles tend to be cheaper to insure. Vehicles built for safety result in less severe injuries and reduced instances of injuries means your insurance company pays less and lower rates for you.

Tailor your auto insurance coverage to you

When it comes to choosing coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is unique so this has to be addressed. These are some specific questions may help highlight if your situation could use an agent’s help.

  • Does my policy cover me when driving someone else’s vehicle?
  • How can I get high-risk coverage after a DUI?
  • If my 1997 Chevy S-10 Blazer is totaled, can I afford another vehicle?
  • Am I covered when driving on a suspended license?
  • Do I need rental car coverage?
  • Should I put collision coverage on all my vehicles?
  • How much liability insurance is required?
  • What can I do if my company won’t pay a claim?
  • Do I have coverage for damage caused while driving under the influence?
  • Is my vehicle covered by my employer’s policy when using it for work?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Can you really save if you switch?

Geico, State Farm and Progressive constantly bombard you with ads in print and on television. They all have a common claim that you can save if you change your coverage. How do they all offer drivers better rates?

Companies require specific criteria for the type of driver that will not have excessive claims. An example of a driver they prefer may need to be a female over age 40, has a clean driving record, and drives less than 5,000 miles a year. Anyone that meets those criteria will get the preferred rates and will save some money.

Drivers who don’t measure up to those criteria may be forced to pay a more expensive rate which translates to the customer buying from someone else. The ads say “drivers that switch” not “all people who quote” save the amount stated. That’s the way insurance companies can confidently advertise the savings. This really illustrates why it’s extremely important to get a wide range of price quotes. Because you never know which insurance companies will give you lower prices than your current company.

Parts of your insurance policy

Knowing the specifics of your policy helps when choosing which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types offered by insurance companies.

Comprehensive insurance – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, falling objects and hitting a bird. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage – This coverage covers damage to your S-10 Blazer caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a ditch, sideswiping another vehicle, backing into a parked car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like funeral costs, surgery, dental work, doctor visits and X-ray expenses. They are often used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants as well as 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

Liability – Liability coverage will cover injuries or damage you cause to people or other property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like medical services, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Coverage for uninsured or underinsured drivers – This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1997 Chevy S-10 Blazer.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

The bottom line

Affordable 1997 Chevy S-10 Blazer insurance can be found on the web and with local insurance agents, and you need to comparison shop both to have the best selection. Some insurance companies may not offer the ability to get quotes online and these smaller providers only sell through independent insurance agencies.

When getting car insurance quotes online, it’s very important that you do not reduce needed coverages to save money. In many cases, someone sacrificed full coverage only to discover later that the savings was not a smart move. Your objective should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

In this article, we covered a lot of tips how to get a better price on 1997 Chevy S-10 Blazer insurance. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. Consumers could even find that the most savings is with a small mutual company. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as State Farm, Geico and Nationwide.

More detailed insurance coverage information is located at these sites: