Are you tired of being strong-armed to insure your Chevy every month? You’re in the same situation as many other drivers. Insurance companies such as Allstate, Liberty Mutual and State Farm all claim big savings, bombarding you with catchy ads and consumers find it hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.
Consumers should take time to get comparison quotes once or twice a year since rates fluctuate regularly. Despite the fact that you may have had the lowest rates on S-10 Blazer insurance six months ago the chances are good that you can find a lower rate today. You’ll find quite a bit of inaccurate information about insurance online, so by reading this article, you’re going to learn some solid techniques on how to reduce your insurance bill.
If you have insurance now or need new coverage, you will benefit by learning to cut your premiums and still get good coverage. Buying car insurance is easy if you know what you’re doing. Drivers only need an understanding of the proper methods to get comparison quotes online.
There are a variety of methods you can shop for 1999 Chevy S-10 Blazer insurance coverage and some are less time-consuming than others. You can waste hours talking about coverages with local insurance agents in your area, or you can stay home and use the web to get rate comparisons in just a few minutes.
The majority of car insurance companies are enrolled in a marketplace that enables customers to complete one form, and at least one company returns a competitive quote determined by their information. This prevents consumers from doing quote forms for every insurance coverage company. To compare 1999 Chevy S-10 Blazer rates now click here to open in new window.
The one disadvantage to getting quotes like this is you are unable to specify which companies you want to price. So if you want to choose from a list of companies to compare prices, we put together a list of low cost insurance coverage companies in your area. Click to view list.
Which method you use is up to you, but compare identical coverages and limits for each comparison quote. If each company quotes different deductibles you will not be able to find the best deal for your Chevy S-10 Blazer.
Car insurance can cost a lot, but there are discounts available that you may not even be aware of. Some discounts apply automatically at the time of purchase, but less common discounts must be manually applied before you get the savings. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.
As a disclaimer on discounts, most discount credits are not given to the entire cost. Most cut the cost of specific coverages such as comp or med pay. Just because it seems like adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts will help reduce your premiums.
Companies that may have these money-saving discounts include:
Double check with all companies you are considering what discounts are available to you. Some discounts might not apply everywhere.
When it comes to choosing proper insurance coverage, there really is no one size fits all plan. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that might help in determining whether your personal situation would benefit from professional advice.
If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.
Understanding the coverages of your insurance policy can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages found on most insurance policies.
This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include 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 liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently the UM/UIM limits do not exceed the liability coverage limits.
Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like ambulance fees, dental work and prosthetic devices. They can be 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 and will also cover being hit by a car walking across the street. PIP is not available in all states and may carry a deductible
Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things like damage from a tornado or hurricane, rock chips in glass and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim 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.
This coverage will pay to fix damage to your S-10 Blazer caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things such as rolling your car, hitting a parking meter, colliding with a tree and hitting a mailbox. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.
Liability coverage will cover damages or injuries you inflict on a person or their property in an accident. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.
Liability coverage protects against things such as legal defense fees, pain and suffering, emergency aid, attorney fees and loss of income. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.
Cheaper 1999 Chevy S-10 Blazer insurance can be bought both online as well as from independent agents, so you should compare both to get a complete price analysis. Some insurance providers don’t offer online price quotes and usually these smaller companies provide coverage only through local independent agents.
In this article, we presented many ways to compare insurance prices online. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the best prices are with the smaller companies. Some small companies often have lower prices on specific markets than the large multi-state companies such as State Farm or Progressive.
As you restructure your insurance plan, never sacrifice coverage to reduce premiums. There have been many cases where an accident victim reduced liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. The aim is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.