View 2001 Chevrolet S-10 Blazer Car Insurance Quotes

If price shopping car insurance quotes online is new to you, chances are good that you are bewildered by the vast assortment local agents and online companies all claiming to have the lowest rates.

You need to compare premium rates periodically since insurance prices change frequently. Just because you found the best rates on S-10 Blazer insurance a few years ago you may be paying too much now. Ignore everything you know about insurance coverage because I’m going to teach you one of the easiest ways to save money, get proper coverage and the best rates.

Auto insurance policy discounts

Car insurance companies don’t necessarily list all their discounts very clearly, so here is a list some of the best known in addition to some of the lesser obvious credits available to lower your premiums when you buy car insurance online.

  • Accident-Free Discounts – Drivers who stay claim-free get the best auto insurance rates as opposed to frequent claim filers.
  • Discounts for Cautious Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates on S-10 Blazer insurance than drivers with accident claims.
  • Telematics Discount – Drivers who agree to allow driving data collection to analyze where and when they drive by using a small device installed in their vehicle such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if their driving habits are good.
  • Early Signing – Some companies reward drivers for switching to them before your current policy expires. You may see this discount when you get car insurance quotes online.
  • Life Insurance – Some auto insurance companies give a discounted rate on car insurance if you buy life insurance from them.

Please keep in mind that most discounts do not apply to the overall cost of the policy. Some only apply to individual premiums such as physical damage coverage or medical payments. If you do the math and it seems like all those discounts means the company will pay you, that’s just not realistic.

A few popular companies and the discounts they provide can be read below.

  • State Farm offers discounts for anti-theft, accident-free, Steer Clear safe driver discount, multiple policy, good student, multiple autos, and defensive driving training.
  • Nationwide may offer discounts for good student, business or organization, anti-theft, easy pay, and accident-free.
  • GEICO includes discounts for federal employee, air bags, military active duty, emergency military deployment, multi-vehicle, and membership and employees.
  • AAA offers premium reductions for anti-theft, pay-in-full, multi-car, good driver, and AAA membership discount.
  • 21st Century may have discounts that include air bags, automatic seat belts, early bird, driver training, good student, and theft prevention.
  • The Hartford offers discounts including anti-theft, driver training, vehicle fuel type, good student, and defensive driver.

If you are trying to find the cheapest car insurance quotes, ask every prospective company which credits you are entitled to. A few discounts may not apply to policyholders in every state. To locate insurers with the best auto insurance discounts, click here.

Finding car insurance

Many insurance companies such as Allstate, GEICO and Progressive provide insurance quotes online. Comparing prices online is fairly simple as you just type in the amount of coverage you want into the quote form. When complete, the quote system obtains your driving and credit reports and returns pricing information.

Online price estimates makes comparing rates easy, but the work required to visit different websites and type in the same information is repetitive and time-consuming. But it’s necessary to compare as many rates as possible in order to find lower prices.

There is an easier way to compare rates

The quickest way to find cheaper rates uses just one form to return rates from several companies at one time. It saves time, requires much less work on your part, and makes online quotes much more efficient. After sending your information, it gets priced with multiple companies and you can pick any or none of the quote results.

If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. The whole process just takes a couple of minutes and could lower your rates considerably.

To quickly compare pricing, click here to open in a new tab and submit your coverage information. If you have coverage now, it’s recommended that you enter the limits and deductibles identical to your current policy. This ensures you will receive rate comparison quotes based on identical coverages.

How do I know if I need professional advice?

When choosing proper insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different.

These are some specific questions may help highlight if your insurance needs would benefit from an agent’s advice.

  • Can I get a multi-policy discount?
  • What if I total my 2001 Chevy S-10 Blazer and owe more than it’s worth?
  • At what point should I drop full coverage?
  • Do I have newly-aquired coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • What can I do if my company denied a claim?
  • Are rental cars covered under my policy?
  • Are my friends covered when driving my car?
  • When would I need additional glass coverage?
  • What is roadside assistance coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form.

Coverages available on your policy

Understanding the coverages of auto insurance aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive auto coverage – This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a deer, falling objects, fire damage, hitting a bird and rock chips in glass. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from a collision 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 such as colliding with another moving vehicle, damaging your car on a curb, backing into a parked car, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Liability coverages – This coverage can cover damages or injuries you inflict on other’s property or people. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things like repair costs for stationary objects, emergency aid, bail bonds and loss of income. How much coverage you buy is a personal decision, but buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like rehabilitation expenses, ambulance fees, funeral costs and dental work. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Shop. Compare. Save.

When buying insurance coverage, do not buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced collision coverage only to regret at claim time that the small savings ended up costing them much more. Your strategy should be to buy enough coverage for the lowest price.

Consumers change insurance companies for a number of reasons such as extreme rates for teen drivers, high prices, not issuing a premium refund or even poor customer service. It doesn’t matter why you want to switch finding a new company is easier than you think.

Lower-priced insurance coverage is available from both online companies and from local insurance agents, and you should be comparing both in order to have the best price selection to choose from. A few companies do not offer internet price quotes and most of the time these smaller companies only sell coverage through independent insurance agents.

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