1994 Chevrolet S-10 Blazer Car Insurance Rates – 7 Tips for Cheaper Quotes

Finding the cheapest insurance for a new or used Chevy S-10 Blazer can normally be an all-consuming task, but you can learn our insurance buying tips and make it easy.

There are both good and bad ways to shop for insurance and we’ll show you the absolute fastest way to price shop coverage for your Chevy and locate the cheapest rates either online or from local insurance agents.

You should make it a habit to compare rates at least once a year because rates are adjusted regularly by insurance companies. Even if you got the best price on S-10 Blazer insurance on your last policy you can probably find a better price now. Ignore everything you know about insurance because we’re going to demonstrate how to quote online to lower your rates without sacrificing coverage.

Cheap Auto Insurance Comparisons

All major auto insurance companies such as Allstate and Progressive allow you to get insurance quotes on their websites. The process is pretty painless as you just type in your required coverages as detailed in the form. When the form is submitted, their system will order your driving and credit reports and returns a price based on many factors.

Online price quotes streamlines rate comparisons, but the work required to visit several different sites and complete many quote forms is repetitive and time-consuming. But it’s very important to perform this step in order to get better prices.

The easy way to compare rates

The quickest way to lower your auto insurance bill uses one simple form to return rates from more than one company. It saves time, eliminates form submissions, and makes comparison shopping a lot less work. Immediately after submitting the form, it is rated and you can choose your choice of the pricing results.

If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. It takes 15 minutes at the most and could lower your rates considerably.

To quickly compare pricing, click here to open in a new tab and submit your coverage information. If you have your current policy handy, we recommend you input the insurance coverages as close as possible to your current policy. Doing this assures you will have a price comparison based on the exact same insurance coverage.

Discounts are available to cut your rates

Insurance can be prohibitively expensive, but discounts can save money and there are some available that you may not even be aware of. Larger premium reductions will be automatically applied when you purchase, but lesser-known reductions have to be specifically requested in order for you to get them. If you aren’t receiving every discount possible, you’re just leaving money on the table.

  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Homeowners Discount – Owning a house can save you money because of the fact that having a home requires personal responsibility.
  • Save over 55 – Older drivers may receive better insurance coverage rates on S-10 Blazer insurance.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Multi-policy Discount – When you have multiple policies with one company you may save approximately 10% to 15%.
  • No Charge for an Accident – Certain companies allow you one accident before raising your premiums if you are claim-free for a set time period.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy may reduce the rate for each vehicle.

As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, insurance coverage companies aren’t that generous. But all discounts will bring down your overall premium however.

For a list of providers offering insurance coverage discounts, click here to view.

Everyone needs different coverages

When buying coverage, there really is no single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that could help you determine if your insurance needs might need an agent’s assistance.

  • Am I covered when driving on a suspended license?
  • Where can I find DUI or SR-22 insurance?
  • Is my teenager covered with friends in the car?
  • Can I afford low physical damage deductibles?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I have coverage when making deliveries for my home business?
  • Does my insurance cover a custom paint job?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • When would I need rental car insurance?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance ads bend the truth

Drivers can’t ignore all the ads for the lowest price auto insurance from the likes of Allstate and Progressive. They all seem to say the same thing that you’ll save big if you move your coverage to them.

How do they all say the same thing? This is how they do it.

All the different companies are able to cherry pick for the right customer that makes them money. An example of a preferred risk could be between 30 and 50, a clean driving record, and has excellent credit. A propective insured who matches those parameters is entitled to the best price and as a result will probably cut their rates substantially.

Drivers who don’t meet these standards will be charged a more expensive rate which usually ends up with business not being written. Company advertisements say “customers that switch” not “people who quote” save money. That’s the way companies can truthfully advertise the way they do.

That is why you need to compare as many rates as you can. It’s impossible to know which company will give you the biggest savings on Chevy S-10 Blazer insurance.

Auto insurance coverages and their meanings

Understanding the coverages of a auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

UM/UIM Coverage

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as chiropractic care, hospital visits, doctor visits, nursing services and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, hitting a bird and falling objects. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverages

Liability coverage provides protection from damages or injuries you inflict on people or other property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as medical services, court costs, bail bonds, legal defense fees and attorney fees. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Collision coverage protection

This coverage pays for damage to your S-10 Blazer from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like backing into a parked car, sustaining damage from a pot hole, sideswiping another vehicle, rolling your car and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Final considerations

We covered many ways to compare 1994 Chevy S-10 Blazer insurance prices online. It’s most important to understand that the more providers you compare, the better your chances of lowering your rates. You may be surprised to find that the best prices are with the smaller companies.

Insureds leave their current company for a number of reasons such as policy cancellation, an unsatisfactory settlement offer, high rates after DUI convictions and denial of a claim. Whatever your reason, finding a new company can be easy and end up saving you some money.

As you prepare to switch companies, make sure you don’t sacrifice coverage to reduce premiums. In many cases, an insured cut collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

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