2005 Chevrolet S-10 Blazer Insurance Rates – 9 Savings Tips

Searching for the cheapest insurance for a Chevy S-10 Blazer can be an all-consuming task, but you can learn our insurance buying tips to make it easier. There are more efficient ways to find insurance online so we’re going to tell you the quickest way to price shop coverage for your Chevy and obtain the lowest price from both online companies and local agents.

Consumers need to quote other rates at least once a year because prices are constantly changing. Even if you got the best price on S-10 Blazer insurance on your last policy you can probably find a better rate quote now. Forget anything you know (or think you know) about insurance because you’re about to learn the quickest way to find better coverage at a better price.

Finding affordable coverage is easy if you know what you’re doing. If you have a current insurance policy or are looking for a new policy, you can use these techniques to find better prices while maintaining coverages. Consumers just need to know how to compare rates online.

You may qualify for discounts

Insuring your vehicles can cost a lot, but there could be significant discounts that many people don’t even know exist. Some of these disounts will be visible when you complete an application, but occassionally some discounts must be specially asked for prior to receiving the credit.

  • Telematics Data – Insureds who allow driving data collection to monitor vehicle usage by installing a telematics device such as Progressive’s Snapshot might see lower rates as long as the data is positive.
  • Government Employees – Federal government employees can save as much as 8% on S-10 Blazer insurance with certain companies.
  • ABS Brakes – Vehicles with anti-lock braking systems prevent accidents and the ABS can save up to 10%.
  • Fewer Miles Equal More Savings – Driving fewer miles could qualify for better premium rates on cars that stay parked.
  • Multi-policy Discount – If you can combine your auto and homeowners policy and place coverage with the same company you could earn a discount of 10% to 20% off each policy.
  • Sign Early and Save – A few companies offer discounts for buying a policy before your current coverage expires. You may see this discount when you get auto insurance quotes online.
  • Discounts for New Vehicles – Buying a new car instead of a used car is cheaper due to better safety requirements for newer vehicles.
  • Discount for Life Insurance – Companies who offer life insurance give a small discount if you purchase auto and life insurance together.
  • Pay Now and Pay Less – If paying your policy premium upfront as opposed to paying monthly you can actually save on your bill.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the cost of specific coverages such as medical payments or collision. So when it seems like all the discounts add up to a free policy, you aren’t that lucky.

A few companies that have these benefits include:

When comparing rates, check with each company the best way to save money. Discounts may not be available in your state.

There’s no such thing as the perfect insurance policy

When buying the best insurance coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help you determine whether or not you might need professional guidance.

  • Am I covered when delivering products for my home-based business?
  • Does coverage extend to a rental car in a foreign country?
  • What if I don’t agree with a claim settlement offer?
  • How many claims can I have before being cancelled?
  • Which companies will insure high-risk drivers?
  • Do I need added coverage for expensive stereo equipment?
  • Does my insurance cover a custom paint job?
  • Should I have a commercial auto policy?
  • Do I need motorclub coverage?

If you don’t know the answers to these questions, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Don’t listen to company ads

Consumers can’t escape the ads for the lowest price insurance coverage by State Farm and Allstate. All the companies have a common claim that drivers can save some big amount if you get a free auto insurance quote and switch your coverage.

How does each company say the same thing? Here is the trick they use.

Insurance coverage companies can use profiling for a prospective insured that makes them money. One example of this type of risk profile might be between the ages of 30 and 50, has no prior claims, and drives less than 10,000 miles a year. Any driver who matches that profile receives the best car insurance rates and will save a lot if they switch.

Potential insureds who are not a match for this stringent profile may be forced to pay a more expensive rate which translates to the customer buying from someone else. The trick companies use is to say “people who switch” not “everyone that quotes” can save as much as they claim. This is how insurance companies can confidently make those statements. Because of these techniques, it’s extremely important to compare free auto insurance quotes often. You cannot predict which insurance companies will fit your personal profile best.

Parts of your insurance policy

Learning about specific coverages of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your 2005 Chevy S-10 Blazer.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, hitting a bird, damage from flooding, theft and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability car insurance

This coverage can cover damages or injuries you inflict on a person or their property by causing an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as medical expenses, attorney fees, repair bills for other people’s vehicles, medical services and bail bonds. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as doctor visits, funeral costs, nursing services, ambulance fees and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Collision protection

Collision insurance will pay to fix damage to your S-10 Blazer from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as sideswiping another vehicle, sustaining damage from a pot hole and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

A penny saved is a penny earned

When trying to cut insurance costs, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many situations where an accident victim reduced comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your aim should be to get the best coverage possible at a price you can afford.

In this article, we presented many ways to shop for 2005 Chevy S-10 Blazer insurance online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Consumers may even find the most savings is with a smaller regional carrier.

Discount 2005 Chevy S-10 Blazer insurance can be bought online in addition to local insurance agencies, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies may not have the ability to get a quote online and usually these smaller companies prefer to sell through independent insurance agencies.

More detailed insurance coverage information can be read at these sites: