How Much Does 2004 Chevrolet S-10 Blazer Car Insurance Cost?

Pretty sure you bought overpriced insurance? Trust us, there are lots of residents who feel the same. Numerous insurance companies battle to insure your vehicles, and it can be difficult to compare rates to get the best rates possible.

Discounts for cheap insurance rates

Some providers don’t list all available discounts in an easy-to-find place, so the following is a list of some of the more common as well as some of the hidden insurance savings.

  • Fewer Miles Equal More Savings – Low mileage vehicles can earn better insurancerates on cars that stay parked.
  • Military Rewards – Being deployed with a military unit could trigger a small discount.
  • Claim-Free Discount – Drivers with accident-free driving histories pay less as compared to policyholders that have many claims.
  • Accident Waiver – Not necessarily a discount, but a few companies such as Allstate, State Farm and GEICO allow you one accident before raising your premiums if your claims history is clear before the accident.
  • Anti-lock Brake Discount – Cars and trucks equipped with ABS or steering control prevent accidents and the ABS can save up to 10%.
  • Defensive Driver – Successfully completing a course teaching driver safety skills could earn you a small percentage discount and easily recoup the cost of the course.
  • Telematics Devices – Insureds that choose to allow driving data submission to monitor driving patterns by using a telematic data system such as Progressive’s Snapshot might see lower rates if they are good drivers.
  • Discounts for Federal Employees – Having worked for a branch of the government can earn a discount up to 10% on S-10 Blazer insurance with certain companies.
  • Good Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates on S-10 Blazer insurance than less cautious drivers.
  • Include Life Insurance and Save – If the company offers life insurance, you could get a lower rate if you buy life insurance from them.

One last thing about discounts, most credits do not apply to all coverage premiums. Most only reduce individual premiums such as comp or med pay. If you do the math and it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

To choose companies with the best insurance discounts, click here.

Compare quotes for insurance

The majority of larger companies give coverage price quotes directly from their websites. Getting online quotes is very simple as you just type in into the form. Upon sending the form, the company’s rating system will order your credit score and driving record and provides a quote based on the information you submitted. This makes it simple to compare prices but the work required to visit several different sites and type in the same data is a waste of time. But it’s very important to have as many quotes as possible if you are searching for the best price on insurance.

The preferred way to compare rates utilizes a single form to get prices from multiple companies. It’s a real time-saver, requires much less work on your part, and makes rate comparisons much simpler. As soon as you send your information, it is quoted and you can choose any or none of the price quotes you receive. If you find a better price you can simply submit the application and purchase coverage. This process takes less than 15 minutes and you will know how your current rates stack up.

To fill out one form to compare multiple rates now, simply click here to open in new window and submit the form. If you currently have coverage, we recommend you type in coverages and limits as shown on your current policy. This ensures you will be getting an apples-to-apples comparison for the exact same coverage.

The Chevy S-10 Blazer insurance rate equation

Many things are part of the calculation when you quote your car insurance policy. Some are obvious like a motor vehicle report, although others are more obscure such as whether you are married or how financially stable you are.

Listed below are a few of the “ingredients” used by insurance companies to determine premiums.

  • Additional coverages that may be costing you – There are quite a few additional coverages that sound like a good idea at the time when buying auto insurance. Insurance for personal injury protection, accidental death, and Farm Bureau memberships may be wasting your money. They may seem like a good idea when discussing your needs, but if you don’t need them eliminate them to save money.
  • Rates can drop if you have more than one policy – Some companies will award lower prices to clients who carry more than one policy such as combining an auto and homeowners policy. If you currently are using one company, drivers will still want to compare other company rates to make sure you are getting the best deal.
  • Use credit responsibly and save – Having a bad credit rating is likely to be a major factor in calculating your auto insurance rates. If your credit is not that good, you could pay less to insure your 2004 Chevrolet S-10 Blazer by improving your credit score. Drivers with very high credit ratings tend to be less risk to insure as compared to drivers with poor credit.
  • Allowing your auto insurance policy to lapse raises auto insurance rates – Going without insurance can be a fast way to increase your renewal premiums. Not only will you pay more, failure to provide proof of insurance may result in a fine, jail time, or a revoked license.
  • Your location is important – Having an address in small towns and rural areas is a good thing when shopping for auto insurance. People in densly populated areas have to deal with traffic congestion and higher rates of accident claims. Fewer drivers and short commutes translates into fewer accident claims as well as less vandalism and auto theft.
  • Auto insurance rates and your vocation – Occupational choices like real estate brokers, social workers and accountants tend to have the highest average rates due to intense work situations and lengthy work days. On the other hand, occupations like farmers, historians and the unemployed get better rates on S-10 Blazer insurance.
  • Get married and pay less – Having a wife or husband may earn you lower rates on your auto insurance bill. Having a spouse is viewed as being more responsible and it’s statistically proven that married drivers get in fewer accidents.

You may need specialized insurance coverage

When it comes to buying coverage, there is no single plan that fits everyone. Each situation is unique and your policy should reflect that. Here are some questions about coverages that could help you determine if you might need professional guidance.

  • Should I rate my 2004 Chevy S-10 Blazer as pleasure use or commute?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Where can I find high-risk insurance?
  • What is roadside assistance coverage?
  • Do I have coverage for damage caused while driving under the influence?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my nanny covered when driving my vehicle?

If you can’t answer these questions, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance companies in your area. It only takes a few minutes and may give you better protection.

Specific coverage details

Knowing the specifics of your auto insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on the average auto insurance policy.

Collision insurance

This covers damage to your S-10 Blazer resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as damaging your car on a curb, colliding with a tree, driving through your garage door, hitting a mailbox and backing into a parked car. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive insurance

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like vandalism, falling objects, damage from flooding, hail damage and fire damage. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability

Liability coverage will cover injuries or damage you cause to a person or their property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for things such as court costs, bail bonds, pain and suffering, funeral expenses and attorney fees. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2004 Chevy S-10 Blazer.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like surgery, X-ray expenses and nursing services. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Summing up your auto insurance search

Low-cost 2004 Chevy S-10 Blazer insurance is available online as well as from insurance agents, so you should compare both in order to have the best price selection to choose from. Some companies may not provide online quoting and usually these regional insurance providers only sell through local independent agents.

We just presented a lot of ways to save on 2004 Chevy S-10 Blazer insurance. The most important thing to understand is the more times you quote, the better likelihood of getting inexpensive insurance. You may even find the best prices are with an unexpected company. These smaller insurers may only write in your state and offer lower rates than the large multi-state companies such as Progressive and GEICO.

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