2000 Chevrolet S-10 Blazer Insurance Cost – 6 Discounts for Cheaper Prices

If you’ve never shopped for car insurance quotes online, it’s easy to get confused by the sheer number insurance agents and companies who claim to have the best insurance coverage rates.

Are you earning every discount?

Some providers don’t always list every discount in an easy-to-find place, so we researched some of the more common and the more hidden discounts you could be receiving when you buy car insurance online.

  • Drivers Ed for Students – Have your child sucessfully take a drivers education course in school.
  • Seat Belts Save – Drivers who require all vehicle occupants to buckle up could save 15% on medical payment and PIP coverage.
  • Clubs and Organizations – Being a member of a civic or occupational organization could trigger savings when getting a car insurance quote.
  • Discount for Home Ownership – Owning a house can earn you a little savings because owning a home requires a higher level of personal finance.
  • Fewer Miles Equal More Savings – Maintaining low annual mileage could qualify for better rates on cars that stay parked.
  • Smart Student Discounts – Getting good grades can save 20 to 25%. You can use this discount normally up to age 25.

It’s important to note that most credits do not apply to the entire policy premium. The majority will only reduce individual premiums such as liability, collision or medical payments. Even though the math looks like it’s possible to get free car insurance, it’s just not the way it works.

A few of the larger companies and the discounts they provide can be found below.

  • Farmers Insurance may include discounts for pay in full, electronic funds transfer, business and professional, distant student, switch companies, youthful driver, and teen driver.
  • Esurance includes discounts for paid-in-full, Switch & Save, claim free, anti-theft, homeowner, good student, and Pac-12 alumni.
  • State Farm has discounts for multiple policy, safe vehicle, student away at school, multiple autos, driver’s education, good driver, and Drive Safe & Save.
  • Geico offers premium reductions for membership and employees, multi-vehicle, seat belt use, anti-theft, emergency military deployment, driver training, and defensive driver.
  • Allstate offers discounts including FullPay discount, teenSMART discount, auto/life discount, senior citizen, good payer, and anti-lock brakes.

When getting free car insurance quotes, it’s a good idea to every prospective company what discounts are available to you. Some discounts listed above may not apply to policyholders in your state. If you would like to see a list of companies that can offer you the previously mentioned discounts, click this link.

When in doubt talk to an agent

When it comes to buying adequate coverage for your vehicles, there is no “perfect” insurance plan. Each situation is unique.

These are some specific questions might point out whether or not you will benefit from professional help.

  • Is my nanny covered when driving my vehicle?
  • Why am I required to buy liability insurance?
  • Do I need motorclub coverage?
  • Are rock chip repairs covered?
  • Do I need medical payments coverage since I have good health insurance?
  • Do I need more liability coverage?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, complete this form.

Car insurance coverage information

Learning about specific coverages of car insurance aids in choosing the best coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Collision coverages – This coverage covers damage to your S-10 Blazer caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like hitting a parking meter, damaging your car on a curb, crashing into a ditch, hitting a mailbox and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Liability auto insurance – Liability coverage will cover injuries or damage you cause to other people or property in an accident. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, 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 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as legal defense fees, emergency aid, medical services, repair bills for other people’s vehicles and structural damage. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured or underinsured coverage – This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your 2000 Chevy S-10 Blazer.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Comprehensive protection – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from getting keyed, hail damage, hitting a bird and damage from flooding. The highest amount your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like EMT expenses, ambulance fees, hospital visits and chiropractic care. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Best coverage at the best price

While you’re price shopping online, it’s not a good idea to buy poor coverage just to save money. In many cases, someone sacrificed comprehensive coverage or liability limits to discover at claim time that it was a big error on their part. Your goal should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

In this article, we presented many ways to reduce 2000 Chevy S-10 Blazer insurance car insurance rates online. It’s most important to understand that the more quotes you get, the better likelihood of getting the cheapest car insurance. Consumers may even find the best price on auto insurance is with a company that doesn’t do a lot of advertising.

People leave their current company for a variety of reasons including extreme rates for teen drivers, being labeled a high risk driver, policy cancellation or lack of trust in their agent. It doesn’t matter what your reason, switching companies can be less work than you think.

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