Cheaper 1998 Chevrolet S-10 Blazer Car Insurance Quotes

I can’t think of a single person who likes having to buy insurance coverage, especially when their premiums are through the roof. You have multiple auto insurance companies to purchase coverage from, and although it’s a good thing to be able to choose, lots of choices makes it harder to find the best rates.

It’s a good habit to shop coverage around once or twice a year because rates are rarely the same from one policy term to another. Just because you had the best price on S-10 Blazer insurance a year ago other companies may now be cheaper. So block out anything you think you know about insurance coverage because I’m going to teach you one of the best ways to remove unneeded coverages and save money.

Choosing the best insurance company for you is quite easy. If you have a current car insurance policy or are looking for a new policy, you can follow these tips to cut your premiums and still get good coverage. Drivers only need to know how to shop for car insurance over the internet.

Chevy S-10 Blazer rate determination is complex

Smart consumers have a good feel for the different types of things that play a part in calculating auto insurance rates. Understanding what influences your rates enables informed choices that can help you get much lower annual insurance costs.

  • Increase deductibles and save – Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your Chevy from damage. Examples of covered claims would be colliding with a building, damage from fire, or theft. The deductibles are the amount of money you are willing to pay in the event of a claim. The higher the amount you’re willing to pay, the less your auto insurance will be on S-10 Blazer insurance.
  • Protect yourself with liability coverage – Liability insurance provides coverage in the event that you are found to be at fault for damages from an accident. Liability insurance provides for a legal defense starting from day one. Liability is cheap compared to physical damage coverage, so do not cut corners here.
  • Where you live can impact rates – Residing in small towns and rural areas has it’s advantages when it comes to auto insurance. Urban drivers have to deal with congested traffic and longer commutes to work. Less people living in that area means reduced accidents as well as less vandalism and auto theft.
  • Consolidate policies to earn discounts – The majority of insurers will give a discount to customers who carry more than one policy. It’s known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even with this discount, it’s in your best interest to shop around to make sure you are getting the best deal. Consumers may find better rates by splitting coverages up.

Verify you’re getting all your discounts

Car insurance companies do not list every discount in an easy-to-find place, so we researched both the well known and also the lesser-known insurance coverage savings. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Discount for Good Grades – Getting good grades can get you a discount of up to 25%. The discount lasts until age 25.
  • Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% on S-10 Blazer insurance depending on your company.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off your PIP or medical payments premium.
  • Discounts for Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on S-10 Blazer insurance than less cautious drivers.
  • Claim Free – Drivers with accident-free driving histories can save substantially when compared with bad drivers.

Consumers should know that some credits don’t apply to all coverage premiums. Some only reduce the cost of specific coverages such as collision or personal injury protection. Just because you may think it’s possible to get free car insurance, companies wouldn’t make money that way.

Companies who might offer these discounts include:

Before buying, ask all companies you are considering which discounts you may be entitled to. Some discounts may not apply everywhere.

Don’t be fooled by advertising claims

Drivers get pounded daily by advertisements for the lowest price auto insurance from the likes of Allstate, Geico and Progressive. They all seem to make the same claim of big savings if you switch your coverage to them.

How does each company say the same thing?

Insurance companies are able to cherry pick for the type of customer they prefer to insure. For instance, a desirable insured might be profiled as between the ages of 40 and 55, owns a home, and has great credit. A customer who meets those qualifications receives the best rates and is almost guaranteed to save a lot of money.

Potential insureds who fall outside the “perfect” profile will be charged higher prices and ends up with business not being written. The ads state “drivers who switch” not “everyone that quotes” save that much. That’s why insurance companies can claim big savings. That is why you need to get as many quotes as possible. It’s just too difficult to predict which insurance companies will provide you with the cheapest Chevy S-10 Blazer insurance rates.

When should I talk to an agent?

When it comes to choosing proper insurance coverage, there isn’t really a “best” method to buy coverage. Every situation is different so your insurance needs to address that. For instance, these questions might help in determining whether your personal situation would benefit from an agent’s advice.

  • At what point should I drop full coverage?
  • Is my custom paint covered by insurance?
  • Do I need replacement cost coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • How do I insure my teen driver?
  • Does my medical payments coverage pay my health insurance deductible?
  • Can my teen drive my company car?

If you’re not sure about those questions but you know they apply to you then you might want to talk 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. It is quick, free and can provide invaluable advice.

Auto insurance coverages and their meanings

Learning about specific coverages of a auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the usual coverages offered by auto insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Chevy S-10 Blazer.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Comprehensive auto coverage

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

Comprehensive coverage protects against things such as hitting a deer, a broken windshield, hitting a bird, vandalism and fire damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverage

This coverage can cover damage or injury you incur to people or other property by causing an accident. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like court costs, repair bills for other people’s vehicles, pain and suffering, funeral expenses and structural damage. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Collision protection

Collision coverage will pay to fix damage to your S-10 Blazer caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like scraping a guard rail, crashing into a building, colliding with another moving vehicle, hitting a mailbox and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills such as funeral costs, rehabilitation expenses and ambulance fees. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Be a penny pincher

We just covered quite a bit of information on how to shop for 1998 Chevy S-10 Blazer insurance online. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the best prices are with a lesser-known regional company. These smaller insurers often have lower prices on specific markets compared to the large companies like Allstate or State Farm.

As you prepare to switch companies, it’s very important that you do not skimp on coverage in order to save money. Too many times, an insured cut liability limits or collision coverage only to discover later that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

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