1994 Chevrolet S-10 Blazer Car Insurance Cost

No sane person rejoices having to buy insurance coverage, especially knowing the cost is too high.

Having so many choices, it is very difficult to find the best company.

Smart consumers take time to get comparison quotes at least once a year because insurance rates fluctuate regularly. Just because you had the best premium rates on S-10 Blazer insurance on your last policy other companies may now be cheaper. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to the right way to lower your rates without sacrificing coverage.

How to find affordable car insurance

There are several ways to shop for car insurance, but one way is more efficient than others. You could waste time talking to insurance agencies in your area, or you could save time and use online quoting to quickly compare rates.

Many popular insurance companies participate in a marketplace where insurance shoppers complete one form, and every company then gives them pricing based on that information. This eliminates the need for form submissions to every company.

To submit your quote information now, click here to start a free quote.

The one downside to using this type of form is you don’t know exactly which providers you will receive quotes from. So if you prefer to pick specific insurance companies for rate comparison, we have a listing of companies who write car insurance in your area. View list of insurance companies.

The approach you take is up to you, just try to use exactly the same coverage limits and deductibles for every quote you compare. If you are comparing different values for each quote it will be next to impossible to make a fair rate comparison. Just slight variations in insurance coverages or limits could skew the results. And when quoting car insurance, remember that quoting more helps you find more affordable insurance.

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Discounts to earn lower-cost car insurance rates

Companies don’t always list all their discounts in an easy-to-find place, so the following list contains a few of the more well known as well as the least known credits available to bring down your rates.

Claim-Free Discount – Good drivers with no accidents are rewarded with significantly better rates on insurance quote in comparison to accident-prone drivers.
ABS Braking Discount – Cars, trucks, and SUVs that have anti-lock braking systems have fewer accidents and qualify for as much as a 10% discount.
Low Mileage – Keeping the miles down on your Chevy could qualify for slightly better premium rates than normal.
Theft Prevention System – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen with less frequency so companies will give you a small discount.
Federal Government Employee – Employees or retirees of the government could qualify for a slight premium decrease on S-10 Blazer insurance with select insurance companies.

A little disclaimer on discounts, many deductions do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think you can get free auto insurance, it just doesn’t work that way.

Car insurance companies who may offer these discounts may include but are not limited to:

It’s a good idea to ask each company which discounts you qualify for. A few discounts might not be offered in every state. To find providers who offer car insurance discounts, follow this link.

Tailor your insurance coverage coverage to you

When it comes to buying the best insurance coverage coverage, there really is no “best” method to buy coverage. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that can help discover if your situation might need an agent’s assistance.

Why am I required to buy liability insurance?
Will filing a claim cost me more?
How can I get my company to pay me more for my totalled car?
Are all vehicle passengers covered by medical payments coverage?
Can my teen drive my company car?
Does insurance cover damages from a DUI accident?
Is my babysitter covered when using my vehicle?
Why does it cost so much to insure a teen driver?
Can I drive in Mexico and have coverage?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Insurance coverage options for a Chevy S-10 Blazer

Knowing the specifics of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverages offered by insurance companies.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Chevy S-10 Blazer.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for immediate expenses such as funeral costs, prosthetic devices, EMT expenses and pain medications. They can be used in conjunction with a health insurance plan or if you do not have health coverage. They cover you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability coverage – This coverage protects you from damage or injury you incur to a person or their property that is your fault. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as repair costs for stationary objects, legal defense fees and medical services. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.

Collision coverages – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like backing into a parked car, crashing into a building, hitting a parking meter, colliding with another moving vehicle and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Comprehensive insurance – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, damage from a tornado or hurricane, hitting a deer and vandalism. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Don’t be a big spender

Some insurance companies do not offer online price quotes and usually these smaller providers provide coverage only through local independent agents. Cheaper insurance can be purchased from both online companies and also from your neighborhood agents, and you should compare rates from both to have the best chance of lowering rates.

You just read a lot of techniques to lower your 1994 Chevy S-10 Blazer insurance rates. The key concept to understand is the more price quotes you have, the better your comparison will be. You may even find the lowest priced insurance comes from a small mutual company. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm and Allstate.