Compare 2001 Chevrolet S-10 Blazer Car Insurance Quotes

Looking for the cheapest auto insurance rates for your Chevrolet S-10 Blazer? Are you tired of not being able to scrape enough together to keep your car insured? You are no different than many other consumers.

Since you have so many choices, it is very difficult to find the best company.

How to get the cheapest insurance coverage

Performing a rate comparison can take hours if you don’t understand the fastest way to get free quotes. You can spend your afternoon driving to insurance companies in your area, or you could use online quotes to accomplish the same thing much quicker.

Most of the best insurance companies are enrolled in a marketplace that enables customers to send in one quote, and each participating company returns a competitive quote based on that information. This prevents consumers from doing quotation requests for each company you want a rate for.

To find out how much you can save on insurance coverage click here to open in new window.

The only downside to using this type of system is that you can’t choose which providers you will receive quotes from. If you prefer to choose from a list of companies for rate comparison, we put together a list of companies who write insurance coverage in your area. Click to view list.

It’s up to you how you get prices quotes, just make sure you compare the exact same deductibles and coverage limits for each comparison quote. If you enter different deductibles you will not be able to get a fair rate comparison. Just slight variations in coverages may result in a large different in cost. Just remember that more quotes will enable you to find the best rates.

Get cheap rates with these auto insurance discounts

Some insurance providers don’t always publicize every disount available very clearly, so the below list has a few of the more common and also the more inconspicuous credits available to lower your premiums when you buy insurance coverage online.

  • No Accidents – Claim-free drivers are rewarded with significantly better rates on insurance coverage quote in comparison to bad drivers.
  • Discount for Life Insurance – If the company offers life insurance, you could get better rates if you take out life insurance from them.
  • Braking Control Discount – Cars with ABS braking systems or traction control prevent accidents and therefore earn up to a 10% discount.
  • No Charge for an Accident – Not necessarily a discount, but companies like Libery Mutual, Geico and Allstate will let one accident slide before your rates go up if you have no claims before the accident.
  • Senior Citizen Rates – Mature drivers are able to get a small discount on rates on S-10 Blazer coverage.
  • Good Students Pay Less – This discount could provide a savings of up to 20% or more. The discount lasts until age 25.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in school or through a local driver safety program.

One last thing about discounts, most discounts do not apply the the whole policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, it’s just not the way it works.

A few of the larger companies and their offered discounts can be found below.

  • Mercury Insurance may include discounts for good driver, multi-car, accident-free, type of vehicle, good student, multi-policy, and annual mileage.
  • Farmers Insurance policyholders can earn discounts including bundle discounts, pay in full, alternative fuel, distant student, youthful driver, and business and professional.
  • Farm Bureau discounts include good student, youthful driver, safe driver, driver training, 55 and retired, renewal discount, and multi-policy.
  • State Farm offers discounts for anti-theft, good driver, multiple policy, passive restraint, and good student.
  • Allstate has discounts for resident student, FullPay discount, utility vehicle, eSmart discount, EZ pay plan discount, senior citizen, and early signing.
  • Geico may offer discounts for daytime running lights, membership and employees, driver training, five-year accident-free, and multi-policy.

Before purchasing a policy, check with all the companies which discounts can lower your rates. A few discounts may not be available in your area. To see a list of providers that provide some of the discounts listed above, click here.

Auto insurance can get complicated

When choosing coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is unique so this has to be addressed. These are some specific questions can help discover whether or not you would benefit from an agent’s advice.

  • What are the best liability limits?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I covered by my spouse’s policy after a separation?
  • Am I better off with higher deductibles on my 2001 Chevy S-10 Blazer?
  • What is PIP insurance?
  • Does coverage extend to a rental car in a foreign country?
  • Do I need replacement cost coverage on my 2001 Chevy S-10 Blazer?
  • What if I owe more than I can insure my car for?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Chevy S-10 Blazer insurance rate factors

Many factors are considered when premium rates are determined. Some are obvious such as traffic violations, but others are not as apparent like your vehicle usage and annual miles driven.

  • Gender is a factor – The statistics show that females tend to be a little less risky than males. The data does not necessarily mean that women are better drivers. Men and women tend to get into auto accidents in similar percentages, but the male of the species tend to have more serious accidents. Men also get cited for more serious violations like DWI (DUI) or reckless driving. Male drivers age 16 to 19 are the most expensive to insure and therefore are the most expensive to insure.
  • Marriage is a factor – Walking down the aisle may cut your premiums on your auto insurance policy. Having a significant other demonstrates that you tend to be more mature than a single person and insurance companies reward insureds because married drivers get in fewer accidents.
  • Vehicle features can affect premiums – Choosing a vehicle that has a built-in theft deterrent system can help bring down rates. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart vehicle theft.
  • Bad credit will cost you – An insured’s credit score is likely to be a major factor in determining what you pay for auto insurance. People with high credit scores tend to be better risks to insure than drivers with lower credit scores. If your credit rating is lower than you’d like, you could pay less to insure your 2001 Chevrolet S-10 Blazer by repairing your credit.
  • Expect high rates for teens – Young drivers have been known to be careless and easily distracted when behind the wheel therefore auto insurance rates are much higher. Older, more experienced drivers are proven to be safer behind the wheel, are lower risk to insure and are safer drivers.
  • Insure car and home with the same company – Some insurers apply discounts for people who consolidate policies with them, otherwise known as a multi-policy discount. Even if you already get this discount, you may still want to compare other company rates to help ensure you have the lowest rates. You may still be able to save even more even if you have your coverage with different companies

Educate yourself about car insurance coverages

Knowing the specifics of your car insurance policy aids in choosing the best coverages and the correct deductibles and limits. Car insurance terms can be confusing and reading a policy is terribly boring. Shown next are the usual coverages offered by car insurance companies.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as falling objects, damage from getting keyed, hitting a deer and theft. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Chevy S-10 Blazer.

Because many people 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 should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.

Liability coverage

This coverage can cover damages or injuries you inflict on people or other property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values 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 limit of $100,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims like attorney fees, loss of income, court costs and medical services. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.

Insurance for medical payments

Med pay and PIP coverage pay for bills like nursing services, ambulance fees, doctor visits, dental work and chiropractic care. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision insurance will pay to fix damage to your S-10 Blazer resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a parking meter, colliding with a tree, sideswiping another vehicle, sustaining damage from a pot hole and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Never pay more for less

We just showed you some good ideas how to compare 2001 Chevy S-10 Blazer insurance prices online. The most important thing to understand is the more times you quote, the better your comparison will be. Consumers may even find the lowest prices come from some of the lesser-known companies. They can often provide lower rates in certain areas than their larger competitors like Progressive and Geico.

Some companies don’t offer the ability to get a quote online and usually these regional insurance providers provide coverage only through independent insurance agencies. The cheapest 2001 Chevy S-10 Blazer insurance can be found online in addition to local insurance agencies, and you need to price shop both in order to have the best price selection to choose from.

When getting insurance coverage quotes online, it’s a bad idea to reduce needed coverages to save money. There have been many situations where an accident victim reduced comprehensive coverage or liability limits only to find out that it was a big error on their part. The goal is to purchase plenty of coverage at the lowest possible cost and still be able to protect your assets.

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