2005 Chevrolet S-10 Blazer Car Insurance Cost – 7 Ways to Save

Trying to find cheaper auto insurance rates? Buyers have options when searching for the lowest priced Chevy S-10 Blazer insurance. You can either waste hours struggling with agents to compare prices or leverage the internet to find the lowest rates. There is a better way to shop for auto insurance so we’re going to tell you the best way to quote coverages for your Chevy and get the cheapest rates from local insurance agents and online providers.

Consumers need to compare prices on a regular basis because insurance prices are variable and change quite frequently. Despite the fact that you may have had the best rate on S-10 Blazer insurance a couple years back there is a good chance you can find better premium rates now. There is a lot of bad advice regarding auto insurance on the web, but in just a couple of minutes you can learn some excellent ideas to reduce your auto insurance bill.

More discounts mean cheap premiums

Car insurance is not cheap, but you might already qualify for some discounts to reduce the price significantly. Some discounts will apply at the time you complete a quote, but some must be inquired about before being credited.

  • Active Military Service – Having a deployed family member can result in better rates.
  • Student Discounts – Maintaining excellent grades can get you a discount of up to 25%. Most companies allow this discount well after school through age 25.
  • ABS and Traction Control Discounts – Cars and trucks that have anti-lock braking systems can reduce accidents so companies give up to a 10% discount.
  • Homeowners Pay Less – Just owning your own home can save a few bucks because owning a home shows financial diligence.
  • Mature Driver Discount – Older drivers may be able to get lower premium rates on S-10 Blazer insurance.
  • Resident Student – Youth drivers who live away from home to go to college and won’t have access to an insured vehicle could get you a discount.
  • Early Payment Discounts – If you pay your bill all at once rather than paying monthly you can avoid monthly service charges.

One last thing about discounts, most discount credits are not given to your bottom line cost. Most cut specific coverage prices like physical damage coverage or medical payments. Even though the math looks like all the discounts add up to a free policy, that’s just not realistic.

Popular insurance coverage companies and some of the discounts are detailed below.

  • Progressive has discounts for online signing, homeowner, good student, online quote discount, multi-vehicle, continuous coverage, and multi-policy.
  • Farmers Insurance offers premium reductions for electronic funds transfer, early shopping, teen driver, business and professional, and multi-car.
  • Farm Bureau may have discounts that include youthful driver, multi-vehicle, 55 and retired, multi-policy, and driver training.
  • State Farm includes discounts for anti-theft, good driver, Drive Safe & Save, good student, and accident-free.
  • GEICO offers discounts including seat belt use, daytime running lights, anti-theft, military active duty, air bags, and membership and employees.
  • SAFECO has savings for anti-lock brakes, accident prevention training, safe driver, bundle discounts, and teen safe driver.
  • Liberty Mutual discounts include safety features, exclusive group savings, hybrid vehicle, multi-car, newly married, good student, and new vehicle discount.

Before purchasing a policy, check with each company which credits you are entitled to. Some of the earlier mentioned discounts may not apply to policyholders in your area.

It’s not one size fits all

When choosing coverage, there is no single plan that fits everyone. Everyone’s needs are different.

For instance, these questions can aid in determining if your situation will benefit from professional help.

  • I have health insurance so do I need medical payments coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I insured when driving a different vehicle?
  • Am I covered when delivering products for my home-based business?
  • Do I pay less if my vehicle is kept in my garage?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can help protect your family.

Does auto insurance advertising bend the truth?

Drivers get pounded daily by advertisements for auto insurance savings by companies like Allstate and Progressive. They all seem to say the same thing about how much you will save just by switching your policy.

How is it possible that every company can charge you a lower premium?

Auto insurance companies have strict underwriting profiles for a prospective insured that will add to their bottom line. An example of a profitable customer may be between 25 and 40, has no claims, and drives a safe vehicle. Someone that hits that “sweet spot” will get a cheap rate quote and have a good chance to save a lot if they switch.

Potential insureds who fall short of these standards may be required to pay higher rates which translates to the driver buying from a lower-cost company. If you pay close attention to the ads, they say “customers that switch” not “everybody who quotes” save money. This is how insurance companies can confidently make claims like that. Because of this risk profiling, you should get price quotes at each policy renewal. It is impossible to predict which insurance companies will provide you with the cheapest car insurance rates.

Auto insurance coverages

Knowing the specifics of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Liability – Liability insurance will cover injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers things such as court costs, funeral expenses, structural damage and attorney fees. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your Chevy S-10 Blazer.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Collision coverage – This will pay to fix damage to your S-10 Blazer caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like sustaining damage from a pot hole, colliding with another moving vehicle, crashing into a ditch and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Comprehensive insurance – This pays for 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 coverage protects against things like damage from flooding, hitting a bird, falling objects and damage from getting keyed. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage pay for bills such as dental work, EMT expenses, hospital visits, funeral costs and chiropractic care. They are often used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Don’t be a big spender

Consumers leave their current company for any number of reasons including extreme rates for teen drivers, policy cancellation, lack of trust in their agent or even high rates after DUI convictions. Whatever your reason, finding a new company is not as difficult as it may seem.

We’ve covered many ideas to reduce 2005 Chevy S-10 Blazer insurance auto insurance rates online. The key concept to understand is the more quotes you get, the better your comparison will be. You may even discover the lowest priced car insurance comes from a company that doesn’t do a lot of advertising.

Some insurance providers may not have the ability to get a quote online regional insurance providers only sell coverage through independent insurance agents. Cheaper 2005 Chevy S-10 Blazer insurance can be bought online as well as from insurance agents, so compare prices from both so you have a total pricing picture.

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