Lower Your 1991 Chevrolet S-10 Blazer Insurance Rates

Shoppers have a choice when shopping for the best price on Chevy S-10 Blazer insurance. You can either spend your time driving around trying to get quotes or use the internet to find the lowest rates. There is a better way to buy auto insurance and we’ll show you the absolute fastest way to get price quotes for your Chevy and find the lowest possible price from local insurance agents and online providers.

It’s a good habit to compare prices as often as possible because auto insurance prices are adjusted regularly by insurance companies. If you had the lowest price for S-10 Blazer coverage two years ago you can probably find a lower rate today. Ignore everything you know about auto insurance because you’re about to learn the fastest way to reduce your cost while increasing coverage.

Buying car insurance is quite easy. If you have car insurance now, you should be able to save some money using these tips. Drivers just need to know the tricks to compare company rates over the internet.

The method we recommend to compare rates takes advantage of the fact most of the larger companies actually pay money for the chance to give free rates quotes. All consumers are required to do is provide information such as whether or not you need a SR-22, if your license is active, marital status, and how your vehicles are used. Your insurance information is then submitted to multiple insurance providers and they respond with quotes instantly.

Take advantage of with these discounts

Insurance coverage is expensive, but you might already qualify for some discounts that could help you make your next renewal payment. Certain credits will be shown at the time of purchase, but a few need to be specially asked for in order for you to get them. If they aren’t giving you every credit available, you’re paying more than you need to.

• Distant College Student Discount – Older children who live away from home at college and do not take a car to college may qualify for this discount.
• Passive Restraints – Vehicles with factory air bags or automatic seat belts can get savings of 20% or more.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discounted rate on car insurance if you buy a life policy as well.
• Early Switch Discount – Select insurance companies give a discount for signing up prior to your current policy expiration. It could save around 10% when you buy insurance coverage online.
• Bundle and Save – If you combine your auto and home policies with one company you may save approximately 10% to 15%.

Don’t be shocked that most of the big mark downs will not be given to all coverage premiums. A few only apply to specific coverage prices like collision or personal injury protection. If you do the math and it seems like you can get free auto insurance, you’re out of luck.

A few of the larger companies and some of their more popular discounts are shown below.

• State Farm offers discounts for driver’s education, multiple autos, defensive driving training, multiple policy, and good driver.
• Esurance offers premium reductions for defensive driver, online shopper, claim free, Switch & Save, DriveSense, multi-policy, and paid-in-full.
• Progressive has discounts for homeowner, multi-policy, online signing, online quote discount, good student, multi-vehicle, and continuous coverage.
• Liberty Mutual policyholders can earn discounts including multi-car, teen driver discount, hybrid vehicle, new graduate, good student, and safety features.
• Auto-Owners Insurance offers discounts including multi-policy, paperless, student away at school, group or association, paid in full, and safe driver.
• GEICO may include discounts for multi-policy, anti-theft, air bags, five-year accident-free, and driver training.

When getting a coverage quote, ask all the companies which discounts you may be entitled to. All car insurance discounts may not apply to policies in your area.

Your situation helps dictate your coverage

When it comes to choosing the best insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that might help in determining if you would benefit from an agent’s advice.

• Where can I get insurance after a DUI in my state?
• Should I have a commercial auto policy?
• Do I need medical payments coverage since I have good health insurance?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Does liability extend to a camper or trailer?
• Is my 1991 Chevy S-10 Blazer covered for smoke damage?
• What happens if I owe more than my 1991 Chevy S-10 Blazer is worth?
• Can my teen drive my company car?
• Do I need added coverage for expensive stereo equipment?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Coverages available on your policy

Understanding the coverages of a insurance policy aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring.

Liability auto insurance – Liability coverage can cover damages or injuries you inflict on a person or their property in an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims like attorney fees, pain and suffering, medical expenses, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as driving through your garage door, crashing into a building, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive coverage – This will pay to fix 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 can pay for claims like theft, a tree branch falling on your vehicle, rock chips in glass and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your Chevy S-10 Blazer.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for bills such as rehabilitation expenses, hospital visits, pain medications, EMT expenses and prosthetic devices. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. They cover you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage