1995 Chevrolet S-10 Blazer Insurance Rates – 9 Savings Tips

Buying cheap car insurance on the internet may be problematic for consumers new to online price comaprisons. Because there are so many insurance companies available, how can anyone possibly compare every one to find the lowest rates?

It’s important to get comparison quotes at least once a year due to the fact that insurance rates are adjusted regularly by insurance companies. If you had the best price for S-10 Blazer insurance six months ago there may be better deals available now. There is too much inaccurate information about car insurance online but with this article, you’re going to get some great ways to slash your car insurance rates.

If you currently have car insurance, you will be able to reduce your rates substantially using this information. Buying the lowest cost coverage is easy if you know what you’re doing. But consumers do need to understand how big insurance companies price online insurance and take advantage of how the system works.

How to Compare Insurance Quotes

There are several ways to compare quotes from different insurance companies. The recommended way to find the cheapest 1995 Chevy S-10 Blazer insurance rates is to perform an online rate comparison. This can be accomplished using a couple different methods.

  1. The most efficient way to get quotes for comparison is a comparison rater form click here to open form in new window. This easy form eliminates the need for boring form submissions for each company. Completing one form gets you coverage quotes from multiple low-cost companies.It’s the quickest way to get rates.
  2. A more difficult way to find lower rates requires a trip to the website for each individual company to complete a price quote. For examples sake, let’s assume you want to compare Nationwide, Progressive and Farmers. You would have to spend time on each company’s site to input your insurance information, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.
  3. The least recommended way of getting rate comparisons is driving around to and from local insurance agencies. Buying insurance online can eliminate the need for a local agent unless you have a need for the trained guidance of a licensed agent. You can, however, get the lowest quotes online but still have the advice of a local agent and we’ll touch on that later.

It’s up to you how you get prices quotes, just compare exactly the same coverages and limits on every quote. If you enter different values for each quote it will be very difficult to determine the best price for your Chevy S-10 Blazer. Just a small difference in limits can make a big difference in price. Keep in mind that obtaining a wide range of quotes gives you a better chance of getting the best offered rates.

How can Allstate, Geico and Progressive save drivers who switch?

Allstate, Geico and Progressive regularly use television and radio advertisements. All the companies make the same claim of big savings if you move to them. How does each company make almost identical claims?

All the different companies have a certain “appetite” for the type of customer they prefer to insure. A good example of a driver they prefer might be between 25 and 40, a clean driving record, and has excellent credit. Any driver who meets those qualifications is entitled to the best price and is almost guaranteed to save a lot of money.

Consumers who don’t qualify for the “perfect” profile must pay a more expensive rate and ends up with the driver buying from a lower-cost company. Company advertisements say “people who switch” not “everyone that quotes” save that much money. That is how insurance companies can claim big savings.

This illustrates why it is so important to get as many comparisons as possible. It’s just too difficult to predict which insurance company will fit your personal profile best.

Don’t overlook these nine discounts

Car insurance is not cheap, but companies offer discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you complete an application, but some must be specifically requested before they will apply.

  • Low Mileage Discounts – Fewer annual miles on your Chevy could be rewarded with lower rates on the low mileage vehicles.
  • Multi-policy Discount – When you have multiple policies with the same insurance company you may earn up to 20% off your total premium.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching policies before your current policy expires. The savings is around 10%.
  • No Charge for an Accident – A few companies permit an accident before raising your premiums if you are claim-free prior to the accident.
  • Multi-car Discount – Insuring more than one vehicle with the same company can get a discount on all vehicles.
  • Passive Restraint Discount – Factory air bags can receive discounts of 20% or more.
  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out auto and life insurance together.
  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most only apply to specific coverage prices like comprehensive or collision. Just because it seems like adding up those discounts means a free policy, car insurance companies aren’t that generous. Any qualifying discounts will help reduce your premiums.

For a list of insurers offering car insurance discounts, click here to view.

Is my situation unique?

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.

  • Who is covered when they drive my 1995 Chevy S-10 Blazer?
  • Does car insurance cover theft of personal property?
  • I have good health insurance, so how much medical payments coverage do I need?
  • I don’t drive much so do I pay less?
  • Can I get a multi-policy discount?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is extra glass coverage worth it?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, complete this form.

Insurance policy coverages for a 1995 Chevy S-10 Blazer

Having a good grasp of a insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

UM/UIM Coverage

This gives you protection from other motorists 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.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Frequently these coverages do not exceed the liability coverage limits.

Coverage for liability

Liability insurance protects you from damage that occurs to people or other property in an accident. 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 limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers things like structural damage, bail bonds, court costs, medical expenses and medical services. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from flooding, rock chips in glass, falling objects, fire damage and a broken windshield. The most a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as rehabilitation expenses, prosthetic devices, pain medications and X-ray expenses. They are often utilized in addition to your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as driving through your garage door, crashing into a ditch, rolling your car and hitting a parking meter. This coverage can be expensive, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Saving money makes a lot of cents

You just read a lot of tips how to lower your 1995 Chevy S-10 Blazer insurance rates. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. You may even find the best prices are with an unexpected company.

Low-cost insurance is definitely available from both online companies and with local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies do not offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

When you buy insurance online, it’s a bad idea to reduce coverage to reduce premium. There have been many situations where someone dropped full coverage only to find out that it was a big error on their part. The aim is to buy a smart amount of coverage at a price you can afford.

For more information, take a look at the following helpful articles: