Lower Your 1999 Chevrolet S-10 Blazer Insurance Rates

Did you fall for a flashy sales pitch and buy overpriced insurance coverage? It’s a common feeling and there are many consumers feeling the pinch from expensive insurance coverage. There is such a variety of insurance companies to insure vehicles with, and although it’s nice to have a choice, it can be more difficult to find the lowest cost provider.

It’s smart to get comparison quotes quite often because insurance coverage prices go up and down regularly. Even if you think you had the lowest rate on S-10 Blazer coverage six months ago you may be paying too much now. Ignore everything you know about insurance coverage because you’re going to learn the best methods to reduce your cost while increasing coverage.

Save with with these discounts

The cost of insuring your cars can be expensive, but you may qualify for discounts that you may not even know about. Certain discounts will be triggered automatically at quote time, but some need to be specially asked for before they will apply.

  • Discount for Life Insurance – Select auto insurance companies reward you with a discount if you purchase a life policy as well.
  • No Accidents – Drivers who don’t have accidents pay much less when compared with drivers who are more careless.
  • Active Service Discounts – Having a deployed family member could be rewarded with lower premium rates.
  • Defensive Driver Discount – Successfully completing a course that instructs on driving safety could save 5% or more and make you a better driver.
  • Telematics Data Discounts – Policyholders that allow their insurance company to track vehicle usage by using a small device installed in their vehicle such as State Farm’s In-Drive could save a few bucks if they have good driving habits.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs equipped with ABS or steering control can avoid accidents so companies give up to a 10% discount.
  • Low Miles Discount – Driving less could be rewarded with substantially lower auto insurancerates.

It’s important to note that many deductions do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think it’s possible to get free car insurance, company stockholders wouldn’t be very happy. Any amount of discount should definitely cut your policy premiums.

A few popular companies and a partial list of their discounts can be read below.

  • American Family offers discounts for early bird, accident-free, good student, TimeAway discount, bundled insurance, and Steer into Savings.
  • Nationwide includes discounts for anti-theft, Farm Bureau membership, business or organization, family plan, and multi-policy.
  • MetLife offers premium reductions for defensive driver, claim-free, multi-policy, good driver, accident-free, good student
  • 21st Century offers discounts including driver training, early bird, anti-lock brakes, teen driver, student driver, defensive driver, and automatic seat belts.
  • Farmers Insurance has discounts for alternative fuel, good student, youthful driver, multi-car, and bundle discounts.
  • Allstate has savings for passive restraint, utility vehicle, good payer, premier plus, anti-theft, and auto/life discount.

If you need affordable car insurance quotes, ask each company or agent how you can save money. Some discounts may not be available in every state. If you would like to view companies that can offer you the previously mentioned discounts, follow this link.

Buy auto insurance online

Finding a lower price on 1999 Chevy S-10 Blazer insurance is a fairly straight forward process. Drivers just need to spend a few minutes to compare rate quotes online with multiple companies. This can easily be done using one of these methods.

  • One of the fastest ways to get the best comparison quotes is an all-inclusive rate comparison (click to open form in new window). This style of form keeps you from doing separate forms for each company. One quote request compares rates from multiple companies.
  • A slightly less efficient method to analyze rates is spending the time to visit the website of each company and complete a new quote form. For examples sake, we’ll pretend you want rates from GEICO, Esurance and Farmers. To get each rate you have to go to each individual site to enter the same coverage data repeatedly, which is why first method is reommended. For a handy list of car insurance company links in your area, click here.
  • The final way to compare price quotes is to spend your day driving to each insurance agency near you. The ability to buy insurance online makes this unnecessary unless your situation requires the professional advice of a local agency. It is possible with some companies comparison shop online but still have the advice of a local agent.

However you get your quotes, be sure you’re using exactly the same coverage information for every quote you compare. If you use different liability limits it will be next to impossible to determine which rate is truly the best.

Your situation helps dictate your coverage

When choosing adequate coverage, there is no perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. For instance, these questions might help in determining if your insurance needs might need an agent’s assistance.

  • Do I need to file an SR-22 for a DUI in my state?
  • Am I getting all the discounts available?
  • Do I need medical payments coverage since I have good health insurance?
  • What is the difference between comprehensive and collision coverage?
  • Is my dog or cat covered if injured in an accident?
  • Is a fancy paint job covered?

If you can’t answer these questions but one or more may apply to you then you might want to talk 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’s fast, doesn’t cost anything and can provide invaluable advice.

What car insurance coverages do you need?

Understanding the coverages of your car insurance policy can help you determine which coverages you need for your vehicles. Car insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages found on the average car insurance policy.

Comprehensive coverage

This 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 things like hitting a deer, a tree branch falling on your vehicle and hitting a bird. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for liability

This coverage provides protection from injuries or damage you cause to people or other property. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as medical expenses, loss of income, legal defense fees and attorney fees. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Chevy S-10 Blazer.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently these coverages are set the same as your liablity limits.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like surgery, ambulance fees and dental work. They can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Auto collision coverage

This pays for damage to your S-10 Blazer resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as scraping a guard rail, rolling your car, backing into a parked car, colliding with another moving vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Quote more. Save more.

Cost effective 1999 Chevy S-10 Blazer insurance can be found online and from local agencies, and you need to price shop both to get a complete price analysis. Some insurance providers may not offer online rate quotes and most of the time these small insurance companies prefer to sell through local independent agents.

As you prepare to switch companies, it’s a bad idea to sacrifice coverage to reduce premiums. Too many times, an accident victim reduced uninsured motorist or liability limits only to discover later they didn’t purchase enough coverage. The goal is to buy the best coverage you can find for the lowest cost, but do not sacrifice coverage to save money.

In this article, we presented a lot of information how to reduce 1999 Chevy S-10 Blazer insurance premium rates online. It’s most important to understand that the more price quotes you have, the better likelihood of getting affordable car insurance. You may be surprised to find that the lowest priced auto insurance comes from a small local company. They may have significantly lower prices on certain market segments compared to the large companies like State Farm and Allstate.

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