Save on 1999 Chevrolet S-10 Blazer Car Insurance Quotes

Looking for lower car insurance rates for your Chevrolet S-10 Blazer? Think you have an overpriced car insurance policy? It’s a common feeling and there are many consumers feeling the pinch from expensive car insurance. There is such a variety of auto insurance companies to insure vehicles with, and though it is a good thing to have a selection, more options can take longer to locate the cheapest rates.

Cheaper rates with discounts

Not too many consumers would say car insurance is affordable, but there may be some discounts that can dramatically reduce your bill. Some of these disounts will be visible when you purchase, but a few must be asked about prior to receiving the credit.

  • Drivers Education – Have your child successfully complete driver’s ed class if offered at their school.
  • Membership in Organizations – Having an affiliation with a qualifying organization could qualify you for a break on your next renewal.
  • Discounts for Good Drivers – Drivers without accidents can get discounts for up to 45% lower rates for S-10 Blazer coverage than drivers with accidents.
  • Fewer Miles Equal More Savings – Driving fewer miles can earn lower prices on the low mileage vehicles.
  • More Vehicles More Savings – Purchasing coverage when you have primary and secondary vehicles with one company qualifies for this discount.

As a footnote on discounts, some credits don’t apply to your bottom line cost. Some only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, companies don’t profit that way.

Popular car insurance companies and their possible discounts are:

  • State Farm may include discounts for good driver, Drive Safe & Save, good student, multiple policy, and defensive driving training.
  • Progressive policyholders can earn discounts including homeowner, online quote discount, multi-policy, good student, continuous coverage, and multi-vehicle.
  • Travelers discounts include save driver, multi-car, multi-policy, new car, early quote, hybrid/electric vehicle, and home ownership.
  • American Family offers discounts for accident-free, defensive driver, bundled insurance, air bags, and early bird.
  • Liberty Mutual may have discounts that include new vehicle discount, good student, hybrid vehicle, new graduate, safety features, teen driver discount, and newly retired.

If you are trying to find inexpensive car insurance quotes, ask every company which credits you are entitled to. Depending on the company, some discounts may not be available in your state.

What is the best car insurance coverage?

When it comes to choosing the best car insurance coverage, there really is no one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions could help you determine if you could use an agent’s help.

  • What is the ISO rating for a 1999 Chevy S-10 Blazer?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • What is the difference between comprehensive and collision coverage?
  • What exactly is covered by my policy?
  • Are my friends covered when driving my car?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does having multiple vehicles earn me a discount?
  • Do I have newly-aquired coverage?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area. It is quick, free and can provide invaluable advice.

Specifics of your car insurance policy

Learning about specific coverages of car insurance aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most car insurance policies.

Liability coverages

Liability coverage provides protection from damage or injury you incur to other’s property or people in an accident. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things such as repair costs for stationary objects, court costs, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for expenses for pain medications, funeral costs, EMT expenses and hospital visits. They are often used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Collision protection

Collision coverage covers damage to your S-10 Blazer resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like hitting a mailbox, rolling your car, crashing into a building, damaging your car on a curb and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Chevy S-10 Blazer.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these coverages are set the same as your liablity limits.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like vandalism, damage from a tornado or hurricane, hitting a deer, rock chips in glass and a broken windshield. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

The bottom line

Some insurance providers may not offer online quoting and many times these small insurance companies prefer to sell through independent agencies. Lower-priced 1999 Chevy S-10 Blazer insurance is available both online and from local agencies, so compare prices from both to get a complete price analysis.

When getting car insurance quotes online, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped uninsured motorist or liability limits and discovered at claim time they didn’t purchase enough coverage. The ultimate goal is to get the best coverage possible at the best cost.

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