2003 Chevrolet S-10 Blazer Car Insurance Quotes

Are you regretting the purchase of overpriced insurance? Say no more because there are many people just like you. People have so many auto insurance companies to pick from, and although it’s a good thing to have a choice, more choices can make it harder to compare rates.

How to lower your car insurance cost

Finding a better price on car insurance is a great way to save money. The only thing you need to do is invest a few minutes to compare free car insurance quotes provided by online insurance companies. It is quite easy and can be accomplished using a couple different methods.

The recommended way consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This easy form keeps you from doing separate quotes for each price estimate. A single form gets insurance cost estimates from many national carriers.
A harder way to analyze rates consists of visiting each individual company website and complete a new quote form. For instance, let’s assume you want to get rates from Liberty Mutual, State Farm and American Family. To get each rate you have to take the time to go to each site to enter the same coverage data repeatedly, and that explains why we recommend the first method. To view a list of companies in your area, click here.

How you compare quotes is your choice, just try to keep equivalent coverages and limits for each quote you get. If you use different data you can’t possibly make a fair comparison for your Chevy S-10 Blazer.

Reduce your insurance coverage rates with discounts

Insurance coverage is not inexpensive, but there may be some discounts that you may not even know about. Certain credits will be shown when you quote, but a few must be specifically requested in order for you to get them.

Discount for Passive Restraints – Vehicles equipped with air bags can qualify for discounts of up to 25% or more.
Low Mileage Discounts – Low mileage vehicles may allow you to get lower insurance coveragerates on the low mileage vehicles.
Homeowners Pay Less – Being a homeowner can save you money due to the fact that maintaining a home shows financial diligence.
College Student Discount – Older children who live away from home to go to college and won’t have access to an insured vehicle could get you a discount.
Life Insurance – Companies who offer life insurance give a discounted premium rate on car insurance if you buy some life insurance too.
55 and Retired – Older drivers may qualify for a small discount on rates on S-10 Blazer coverage.
Multi-Vehicle Discounts – Purchasing coverage when you have several vehicles on a single policy can get a discount for every vehicle.
Payment Discounts – If paying your policy premium upfront rather than paying in monthly installments you could save up to 5%.

We need to note that most discount credits are not given to all coverage premiums. Most only reduce the cost of specific coverages such as comp or med pay. Even though the math looks like you can get free auto insurance, it’s just not the way it works. But all discounts will bring down the premium cost.

If you would like to see a list of companies with the best discounts, click here.

You are unique and your insurance coverage should be too

When choosing coverage for your personal vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions may help you determine whether or not you could use an agent’s help.

When does my teenage driver need to be added to my policy?
I have a DUI can I still get coverage?
Should I drop comprehensive coverage on older vehicles?
Can my teen driver be rated on a liability-only vehicle?
Can my teen drive my company car?
Is other people’s property covered if stolen from my vehicle?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverage options for a Chevy S-10 Blazer

Having a good grasp of a car insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages available from car insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from getting keyed, rock chips in glass and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a ditch, rolling your car, driving through your garage door and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for bills for things like chiropractic care, nursing services, surgery and X-ray expenses. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits are identical to your policy’s liability coverage.

Liability coverage

This will cover damage that occurs to other people or property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims such as repair costs for stationary objects, funeral expenses, legal defense fees, medical expenses and pain and suffering. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.