1998 Chevrolet S-10 Blazer Insurance Rates – 10 Discounts for Cheapest Quotes

Trying to find cheaper insurance coverage rates for your Chevrolet S-10 Blazer? No car owner anticipates paying for insurance coverage, particularly when they could lower their rates if they shopped around. With people having so many insurance providers from which to choose, it can be challenging to locate the right insurer.

The purpose of this article is to tell you how car insurance quotes work and some money-saving tips. If you currently have a car insurance policy, you will be able to cut costs considerably using these techniques. Consumers only need an understanding of the proper way to shop their coverage around on the web.

Discount insurance coverage rates

Companies that sell car insurance don’t necessarily list all their discounts in a way that’s easy to find, so we researched some of the more common and also the more inconspicuous discounts that you may qualify for.

  • Early Signing – A few larger companies give discounts for buying a new policy prior to the expiration date on your current policy. It’s a savings of about 10%.
  • Discount for Passive Restraints – Vehicles with factory air bags or automatic seat belts can receive discounts of 20% or more.
  • Clubs and Organizations – Being in a professional or civic organization may earn a discount on insurance coverage.
  • Own a Home – Just being a homeowner can earn you a little savings since owning and maintaining a home requires personal responsibility.
  • Low Mileage – Low mileage vehicles can qualify you for cheaper rates.
  • Pay Now and Pay Less – By paying your entire bill at once instead of paying each month you can avoid monthly service charges.
  • Good Student – This discount can be rewarded with saving of up to 25%. You can use this discount normally up to age 25.
  • Student in College – who are enrolled in higher education away from home and won’t have access to an insured vehicle may qualify for this discount.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt can save up to 15% on the premium charged for medical payments and/or PIP.
  • Defensive Driver Discount – Taking a course teaching defensive driver skills is a good idea and can lower rates and make you a better driver.

It’s important to note that most discounts do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears you can get free auto insurance, insurance coverage companies aren’t that generous.

If you would like to choose from a list of insurance coverage companies with discount insurance coverage rates, click this link.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage, there is no cookie cutter policy. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that could help you determine if you would benefit from professional advice.

  • Am I covered if I hit a deer?
  • What is high-risk coverage and where do I buy it?
  • If my pet gets injured in an accident are they covered?
  • When do I need to add a new car to my policy?
  • Which is better, split liability limits or combined limits?
  • Are my friends covered when driving my 1998 Chevy S-10 Blazer?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area. It is quick, free and may give you better protection.

What insurance coverages do you need?

Knowing the specifics of insurance can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on most insurance policies.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like X-ray expenses, dental work, ambulance fees and chiropractic care. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

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

Collision coverage protects against things like colliding with another moving vehicle, hitting a mailbox, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy S-10 Blazer.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto liability insurance – This will cover damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like court costs, medical expenses, attorney fees, emergency aid and funeral expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like fire damage, damage from a tornado or hurricane and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Don’t throw your cash in the trash

Cheap 1998 Chevy S-10 Blazer insurance can be purchased on the web as well as from insurance agents, so get free insurance quotes from both of them to have the best chance of lowering rates. A few companies don’t offer rates over the internet and these regional insurance providers only sell coverage through independent insurance agents.

We just covered a lot of tips how to lower your 1998 Chevy S-10 Blazer insurance rates. The key concept to understand is the more you quote insurance, the better chance you’ll have of finding cheap insurance. Consumers could even find that the biggest savings come from some of the lesser-known companies. They may only write in your state and offer lower auto insurance rates compared to the large companies like Progressive and GEICO.

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