1996 Chevrolet S-10 Blazer Car Insurance Quotes

Looking for cheaper insurance coverage rates for your Chevrolet S-10 Blazer? I can’t think of anyone who likes paying for insurance coverage, especially knowing their premiums are too high. Since consumers have many choices of insurance companies, it can be challenging to find the cheapest company.

Smart consumers take time to get comparison quotes periodically since rates are rarely the same from one policy term to another. Even if you got the best price on S-10 Blazer insurance a couple years back you may be paying too much now. Forget all the misinformation about insurance coverage because you’re about to learn the only way to reduce your cost while improving coverage.

Finding Insurance

Most major insurance companies quote price estimates online. Getting online quotes is fairly straightforward as you simply type in your required coverages into the quote form. Behind the scenes, their rating system gets credit information and your driving record and generates a price. This helps simplify price comparisons, but the time required to go to many different websites and complete many quote forms can be a bit repetitive. Unfortunately, it is important to do this in order to find the lowest price.

A quicker way to compare insurance pricing uses one form that obtains quotes from many companies. It’s a real time-saver, requires less work, and makes rate comparisons a lot less work. After sending your information, your coverage is rated and you can choose any or none of the quote results.

If the quotes result in lower rates, you can click and sign and purchase the new policy. The whole process can be completed in a matter of minutes and you’ll know if lower rates are available.

To quickly find out what other companies charge, click here and complete the simple form. To compare your current rates, we recommend you type in the coverages exactly as shown on your declarations page. This ensures you will have comparison quotes using the exact same coverages.

Are you getting all your discounts?

Car insurance is not cheap, buy you may qualify for discounts that you may not even be aware of. Some trigger automatically when you get a quote, but a few must be asked about prior to getting the savings. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Accident Waiver – A handful of insurance companies will forgive one accident before your rates go up as long as you don’t have any claims prior to the accident.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt can save 10% or more off your PIP or medical payments premium.
  • Memberships – Being a member of certain professional organizations could qualify you for a break on insurance on S-10 Blazer insurance.
  • Claim Free – Good drivers with no accidents pay much less when compared to bad drivers.
  • Paperwork-free – Certain companies will discount your bill up to fifty bucks for buying your policy online.
  • Multi-policy Discount – When you combine your home and auto insurance with one insurance company you may earn up to 20% off your total premium.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less on S-10 Blazer insurance than drivers with accident claims.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Most only reduce the cost of specific coverages such as comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, it doesn’t quite work that way. Any qualifying discounts will reduce your overall premium however.

Insurance companies that may offer these benefits may include but are not limited to:

It’s a good idea to ask every prospective company how you can save money. Savings might not apply in your area.

When might I need an agent?

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every situation is different and your policy should reflect that. These are some specific questions might point out if your insurance needs might need professional guidance.

  • Is my custom paint covered by insurance?
  • Where can I find high-risk insurance?
  • Is my Chevy S-10 Blazer covered if I use it for business?
  • Am I covered when pulling a rental trailer?
  • Do I need replacement cost coverage on my 1996 Chevy S-10 Blazer?
  • When should I remove comp and collision on my 1996 Chevy S-10 Blazer?
  • Do I have coverage when making deliveries for my home business?

If you don’t know the answers to these questions, you may need to chat with 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 is quick, free and can help protect your family.

Auto insurance coverage options for a Chevy S-10 Blazer

Understanding the coverages of your auto insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages found on the average auto insurance policy.

Liability coverages

This provides protection from damage or injury you incur to other people or property. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like repair costs for stationary objects, loss of income, funeral expenses, emergency aid and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like dental work, 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. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred 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. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Auto collision coverage

This will pay to fix damage to your S-10 Blazer resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as rolling your car, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive auto coverage

This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from getting keyed, theft, hail damage and a tree branch falling on your vehicle. The most 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 not worth carrying full coverage.

Quote more, save more

As you restructure your insurance plan, don’t be tempted to reduce needed coverages to save money. There are too many instances where someone sacrificed uninsured motorist or liability limits only to find out they didn’t purchase enough coverage. Your strategy should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

We’ve covered a lot of information how to reduce 1996 Chevy S-10 Blazer insurance prices online. The key concept to understand is the more price quotes you have, the better your chances of lowering your rates. Consumers could even find that the lowest priced insurance comes from an unexpected company. They can often provide lower rates in certain areas as compared to the big name companies such as State Farm or Progressive.

Additional information can be found below: