Save on 1997 Chevrolet S-10 Blazer Insurance Quotes

Are you irritated from wondering where the money will come from to buy insurance coverage? You have the same problem as the majority of other drivers. Due to the increasing number of options, it can be diffult for people to find the most affordable insurance coverage company.

You should make it a habit to check insurance coverage prices yearly because insurance coverage prices tend to go up over time. Even if you think you had the best price for S-10 Blazer insurance on your last policy the chances are good that you can find a lower rate quote today. Forget all the misinformation about insurance coverage because you’re about to find out the tricks you need to know to find better coverage at a better price.

How to buy car insurance online

There are a lot of ways to compare car insurance prices but some are less time-consuming than others. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you could use the internet to get rates in a matter of minutes.

Most of the best insurance companies belong to an insurance system that allows shoppers to enter their policy data once, and every company then returns a price quote based on that information. This prevents consumers from doing quotation requests for each company you want a rate for.

To submit your quote information now, click to open in new window.

The only drawback to using this type of system is you cannot specify which companies you will receive quotes from. So if you prefer to choose individual companies to compare rates, we have a page of low cost car insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but be certain you are entering identical coverage information for each quote you get. If your comparisons have different values for each quote it will be very difficult to determine which rate is truly the best.

Discounts can really help lower rates

Some insurers do not advertise all disounts in a way that’s easy to find, so we break down both well-publicized and the harder-to-find savings tricks you should be using when you buy insurance online.

  • Government Employee Discount – Active or former government employment could cut as much as 10% off for S-10 Blazer insurance depending on your company.
  • Drive Less and Save – Low annual miles may enable drivers to earn discounted premium rates on garaged vehicles.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle up before driving can save up to 15% off the personal injury premium cost.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
  • First Accident Forgiveness – Not necessarily a discount, but some companies like State Farm and Progressive permit an accident before your rates go up if you have no claims for a set time period.
  • Discount for Life Insurance – Companies who offer life insurance give a lower auto insurance rate if you buy some life insurance in addition to your auto policy.
  • Driver’s Ed – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education if it’s offered in school.
  • Auto/Home Discount – When you have multiple policies and insure them with the same company they may give you a discount of over 10 percent off each policy depending on the company.

Just know that most discount credits are not given to the overall cost of the policy. Most only reduce specific coverage prices like liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, companies wouldn’t make money that way.

Larger auto insurance companies and some of the discounts can be read below.

  • State Farm policyholders can earn discounts including driver’s education, good student, multiple autos, accident-free, and safe vehicle.
  • Nationwide has savings for easy pay, family plan, good student, defensive driving, accident-free, and multi-policy.
  • GEICO offers discounts for military active duty, anti-theft, multi-policy, emergency military deployment, and anti-lock brakes.
  • AAA may include discounts for anti-theft, pay-in-full, multi-policy, multi-car, and education and occupation.
  • 21st Century discounts include homeowners, theft prevention, 55 and older, air bags, and early bird.
  • The Hartford has discounts for defensive driver, bundle, anti-theft, air bag, vehicle fuel type, and driver training.

Before purchasing a policy, check with each company or agent which credits you are entitled to. Some of the discounts discussed earlier might not be available to policyholders in your area. If you would like to see a list of companies that offer discounts, click here.

Choices you make can impact your insurance costs

Many things are taken into consideration when premium rates are determined. Some are pretty understandable such as traffic violations, although others are less obvious such as your marital status and annual miles driven.

  • File claims and pay more – Auto insurance companies give most affordable rates to people that do not abuse their auto insurance. If you are the type of insured that files lots of claims you can look forward to much higher rates or policy non-renewal. Your car insurance is designed for more catestrophic claims.
  • Gender as a rate factor – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. However, this does not mean females are better drivers. Women and men tend to get into accidents in similar numbers, but the males cause more damage. Men also get more serious tickets like reckless driving and DUI. Teenage male drivers tend to get in the most accidents so it costs more to insure them.
  • Insurance policy lapses increase rates – Having a lapse in insurance coverage is a quick way to bump up your insurance costs. And not only will your rates increase, not being able to provide proof of insurance will get you fines or a revoked license.
  • Deter car thieves – Owning a car with anti-theft technology or alarm system can help lower your premiums. Systems that thwart theives like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
  • Tickets can be expensive – Your driving citation history has a big impact on rates. Only having one chargable violation can increase the cost of insurance to the point where it’s not affordable. Drivers with clean records get better prices than their less careful counterparts. People who have severe citations such as DUI, reckless driving or excessive speeding may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to continue driving.
  • Big city or small town – Having an address in smaller towns and rural areas of the country is a positive aspect when shopping for auto insurance. Drivers who live in large cities have traffic congestion and longer commutes to work. Fewer drivers on the road means a lower chance of having an accident and a lower car theft rate.
  • Having a spouse brings a discount – Having a significant other helps lower the price when buying insurance. Having a significant other means you’re more mature and responsible and insurance companies reward insureds because married drivers tend to file fewer claims.
  • Lower rates for safer cars – Safe vehicles tend to have better insurance rates. Vehicles engineered for safety have better occupant injury protection and reduced instances of injuries means your insurance company pays less which can result in lower premiums. If your Chevy S-10 Blazer scored at minimum four stars on Safercar.gov you are probably receiving a discount.

Will just any policy work for me?

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions can help discover if you might need professional guidance.

  • Should I bundle my homeowners policy with my auto?
  • Is my ex-spouse still covered by my policy?
  • Where can I find high-risk insurance?
  • Are rock chip repairs covered?
  • Can I afford to buy a different vehicle if my 1997 Chevy S-10 Blazer is totaled?
  • Is my trailer covered?
  • Am I covered if I drive in a foreign country?
  • Which is better, split liability limits or combined limits?
  • When should my teen driver be added to my policy?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Can you really save if you switch?

Drivers constantly see and hear ads for cheaper insurance coverage from the likes of Allstate and Progressive. They all seem to advertise claims of big savings if you switch your policy.

How does every insurance coverage company say the same thing? Here is how they do it.

Companies quote their best rates for the right customer that is profitable for them. A good example of a desirable insured might be described as between the ages of 30 and 45, has never had a claim, and does not commute to work. Any driver who fits that profile will get low rates and will also save a lot of money.

People who are not a match for this ideal profile may receive higher premiums which leads to the customer buying from someone else. If you listen closely, the ads state “customers that switch” but not “all drivers who get quotes” save that kind of money. That’s the way insurance companies can confidently make claims that they all have the best rates.

Because of these techniques, you really need to compare free insurance quotes often. It’s just not possible to know with any certainty which company will give you the biggest savings.

Car insurance 101

Having a good grasp of auto insurance 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 confusing and reading a policy is terribly boring. Below you’ll find typical coverages offered by auto insurance companies.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Chevy S-10 Blazer.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Usually the UM/UIM limits are set the same as your liablity limits.

Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like a broken windshield, vandalism and rock chips in glass. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability insurance – Liability insurance can cover damages or injuries you inflict on people or other property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things like pain and suffering, medical services, repair bills for other people’s vehicles, emergency aid and bail bonds. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Collision – Collision insurance pays for damage to your S-10 Blazer resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like rolling your car, driving through your garage door, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Medical expense insurance – Coverage for medical payments and/or PIP pay for bills for X-ray expenses, rehabilitation expenses, chiropractic care, doctor visits and EMT expenses. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

A tidy conclusion

Cheaper 1997 Chevy S-10 Blazer insurance is available both online and also from your neighborhood agents, so you should compare both to have the best chance of lowering rates. Some insurance companies may not have rate quotes online and many times these smaller companies provide coverage only through local independent agencies.

You just read a lot of ways to lower your 1997 Chevy S-10 Blazer insurance prices. The key concept to understand is the more rate quotes you have, the better chance you’ll have of finding cheaper insurance. You may be surprised to find that the most savings is with the least-expected company. Smaller companies may have significantly lower rates on certain market segments than their larger competitors like State Farm or Progressive.

Much more information about insurance can be found at the links below