How Much Does 1995 Chevrolet S-10 Blazer Insurance Cost?

Are you tired of being strong-armed to insure your Chevy every month? You have the same problem as many other consumers.

Since people have many options, it can be challenging to pick the lowest cost auto insurance company.

Finding affordable coverage is easy if you know what you’re doing. Basically, everyone who shops for auto insurance will most likely be able to find better rates. But vehicle owners must comprehend the methods companies use to sell insurance online because it can help you find the best coverage.

How to get free insurance quotes online

When looking for inexpensive auto insurance quotes, there are a couple ways to compare prices from many insurance companies in your state. The quickest method to lower the rate you pay for Chevy S-10 Blazer insurance is to perform an online rate comparison. This can be done in a couple of different ways.

The most efficient way to compare a lot of rates at once would be an industry-wide quote request form click here to open form in new window. This form keeps you from doing separate forms for each price estimate. One quote request gets coverage cost estimates instantly.

A more time consuming way to compare prices is spending the time to visit each company’s website and complete a new quote form. For examples sake, let’s say you want to get rates from USAA, 21st Century and GEICO. In order to get each rate, you would have to take the time to go to each site and punch in your information repeatedly, and that’s why the first method is more popular.

To view a list of companies in your area, click here.

The final way to find lower rates is to waste gas driving to different agent offices. The fact that you can get quotes online has made agencies unnecessary unless you prefer the extra assistance that only a licensed agent can provide. Drivers can comparison shop your insurance online but buy from a local insurance agent.

Whichever method you choose, do your best to use exactly the same quote data on every quote you get. If the quotes have different coverage information it’s not possible to decipher which rate is best. Slightly different coverages may cause a big price difference. And when quoting insurance, remember that making a lot of price comparisons provides better odds of finding lower pricing. Some insurance companies are not set up to provide online rate quotes, so it’s recommended that you also compare prices on coverage from those companies, too.

Use discounts to get cheaper car insurance quotes

Companies offering auto insurance don’t always list all available discounts in a way that’s easy to find, so we took the time to find a few of the more common and also the lesser-known credits available to lower your premiums when you buy auto insurance online.

Telematics Data – Insureds who allow their car insurance company to analyze driving habits by using a telematics device like Allstate’s Drivewise might get better premium rates if they are good drivers.
Accident-Free Discounts – Drivers who don’t have accidents have much lower rates as compared to bad drivers.
College Student Discount – Children who attend college more than 100 miles from home and do not have a car could get you a discount.
Discount for New Cars – Buying a new car instead of a used car can save you some money since newer vehicles have better safety ratings.
Federal Employees – Being employed by or retired from a federal job can save as much as 8% on S-10 Blazer coverage but check with your company.
Passenger Safety Discount – Factory options such as air bags or automatic seat belts may get savings of 25 to 30%.
Homeowners Discount – Just being a homeowner can save a few bucks because of the fact that having a home is proof that your finances are in order.
Military Deployment Discount – Having an actively deployed family member may lower your car insurance rates slightly.

Please keep in mind that some credits don’t apply to all coverage premiums. Most cut the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, insurance companies wouldn’t stay in business. Any qualifying discounts should help lower your policy cost.

A partial list of companies that may have many of the previously listed discounts include:

It’s a good idea to ask every insurance company to give you their best rates. Some discounts may not be offered everywhere.

Tailor your auto insurance coverage to you

When buying adequate coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that could help you determine if you could use an agent’s help.

Am I covered when using my vehicle for business?
Am I covered if hit by an uninsured driver?
Exactly who is provided coverage by my policy?
Should I file a claim if it’s only slightly more than my deductible?
What can I do if my company won’t pay a claim?
Does coverage extend to my business vehicle?
Will I be non-renewed for getting a DUI or other conviction?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Car insurance coverage options for a Chevy S-10 Blazer

Understanding the coverages of your car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by car insurance companies.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, hitting a deer and vandalism. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability car insurance

This provides protection from damages or injuries you inflict on other people or property. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values 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 property damage coverage for $25,000.

Liability can pay for claims like structural damage, medical services, emergency aid and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Medical costs insurance

Med pay and PIP coverage pay for immediate expenses like prosthetic devices, EMT expenses, pain medications, dental work and hospital visits. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a parking meter, crashing into a building and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

UM/UIM Coverage

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Chevy S-10 Blazer.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.