Save on 2000 Chevrolet S-10 Blazer Insurance Cost

Scraping up a payment for expensive Chevrolet S-10 Blazer insurance can stress out your savings and force you to prioritize other expenses.

You have multiple car insurance companies to choose from, and although it’s a good thing to have multiple companies, more choices can make it harder to compare company pricing.

Drivers save money with these discounts

Car insurance companies don’t necessarily list every available discount very well, so the following list contains some of the best known and also the lesser-known discounts you could be receiving when you buy insurance coverage online.

  • Homeowners Discount – Being a homeowner can save you money because of the fact that having a home requires a higher level of personal finance.
  • Active Military Service – Being deployed in the military could trigger a small discount.
  • Safety Restraint Discount – Drivers who require all vehicle occupants to buckle up before driving can save up to 15% off the medical payments premium.
  • Paperless Signup – Some companies give back up to $50 get insurance coverage on the internet.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents so you can save 10 percent or more.
  • Accident Forgiveness Coverage – but a handful of insurance companies will allow you to have one accident before hitting you with a surcharge if you have no claims prior to the accident.

Keep in mind that some of the credits will not apply the the whole policy. Some only reduce specific coverage prices like medical payments or collision. So when it seems like all those discounts means the company will pay you, companies wouldn’t make money that way. Any amount of discount will help reduce your policy premiums.

A few companies that possibly offer many of the previously listed discounts include:

Before you buy a policy, ask each company or agent which discounts they offer. Some discounts listed above might not be available to policyholders in your area. For a list of insurance companies that offer multiple discounts, click here to view.

Shop car insurance online

There are several ways to get quotes from many different insurance companies. The quickest method to do a complete rate comparison consists of shopping online. It’s really quite simple and can be done by using one of the methods below.

  1. If you’re in a hurry, the quickest way consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This method keeps you from doing separate forms for every company. Taking the time to complete one form will get you price quotes from several companies.
  2. A slightly less efficient method to obtain and compare quotes online consists of visiting each company website and complete a new quote form. For examples sake, let’s say you want to compare Auto-Owners, GEICO and American Family. You would have to take the time to go to each site and punch in your information repeatedly, which is why first method is reommended. For a handy list of car insurance company links in your area, click here.

Whichever way you choose to compare rates, try to use the same information on every quote. If you use different deductibles you will not be able to determine which rate is truly the best. Even a minor difference in insurance coverages or limits can mean a large discrepancy in price. And when price shopping your coverage, comparing a large number of companies will enable you to find the best rates.

What affects Chevy S-10 Blazer insurance rates?

Many different elements are considered when quoting car insurance. Some are obvious like a motor vehicle report, although others are not as apparent such as your credit history or how safe your car is.Part of the car insurance buying process is learning some of the factors that come into play when calculating the level of your policy premiums. When you understand what determines base rates, this allows you to make educated decisions that could help you find better car insurance rates.

The items below are some of the things that factor into prices.

  • High credit score translates to low rates – A driver’s credit score will be a significant factor in calculating your car insurance rates. If your credit history can be improved, you could be paying less to insure your 2000 Chevrolet S-10 Blazer if you improve your credit rating. People with excellent credit scores tend to be better risks to insure as compared to drivers with bad credit.
  • Avoid tickets and save – Whether or not you get tickets has a big impact on rates. Having a single driving citation can bump up the cost twenty percent or more. Attentive drivers tend to pay less for car insurance than bad drivers. Drivers with dangerous violations such as reckless driving or DUI may face state-mandated requirements to file a SR-22 with their state’s licensing department in order to keep their license.
  • Lower stress equals lower prices – Do you have a high-stress occupation? Occupations like doctors, business owners and medical professionals are shown to have higher average rates in part from stressful work requirements and incredibly demanding work hours. Conversely, professions such as scientists, engineers and retirees pay the least for S-10 Blazer coverage.
  • Don’t skimp on liability protection – The liability coverage on your policy will protect you when a court rules you are at fault for personal injury or accident damage. It provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to comp and collision, so drivers should buy more than the minimum limits required by law.

Special considerations

When it comes to buying the right insurance coverage for your vehicles, there is no best way to insure your cars. Every insured’s situation is different and your policy should reflect that. These are some specific questions may help highlight if your insurance needs might need an agent’s assistance.

  • Am I insured when driving a different vehicle?
  • Am I covered when delivering products for my home-based business?
  • Is business property covered if stolen from my car?
  • How much liability coverage do I need in my state?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is my custom paint covered by insurance?
  • Do I need motorclub coverage?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Can switching companies really save?

Big name companies like Allstate and Progressive seem to constantly run ads on TV and radio. They all seem to advertise claims that you’ll save big just by switching your coverage to them. Is it even possible that every company can say the same thing? This is how they do it.

Insurance companies provide the lowest rates for the type of insured that will generate a profit. For example, a desirable risk might be over the age of 40, has never had a policy lapse, and drives a lower-performance vehicle. A driver who fits that profile receive the lowest rate quotes and is almost guaranteed to save some money.

Potential insureds who do not fit these criteria will be charged a higher premium and this results in the customer buying from someone else. The trick companies use is to say “drivers who switch” not “everyone that quotes” save money. That’s why insurance companies can advertise the way they do.

This illustrates why you should compare many company’s auto insurance rates. It is impossible to predict which insurance companies will have the lowest rates for your situation.

Specific coverage details

Learning about specific coverages of your car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average car insurance policy.

Auto collision coverage

Collision coverage covers damage to your S-10 Blazer from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as sustaining damage from a pot hole, driving through your garage door and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as falling objects, hail damage and a broken windshield. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your Chevy S-10 Blazer.

Because many people 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 is very important. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as surgery, ambulance fees, funeral costs and chiropractic care. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Auto liability

Liability coverage will cover damage or injury you incur to other people or property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like funeral expenses, emergency aid, medical expenses and structural damage. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Money doesn’t grow on trees

When you buy insurance coverage online, do not skimp on coverage in order to save money. There are a lot of situations where someone dropped collision coverage only to regret that the savings was not a smart move. The goal is to buy the best coverage you can find at the best price, but don’t skip important coverages to save money.

We just presented many tips how you can reduce 2000 Chevy S-10 Blazer insurance rates online. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding cheap insurance coverage. Drivers may discover the lowest rates come from a small mutual company. Some small companies may cover specific market segments cheaper than their larger competitors like State Farm, GEICO and Nationwide.

To learn more, link through to the resources below: