1996 Chevrolet S-10 Blazer Car Insurance Quotes

I can’t think of a single person who looks forward to buying insurance coverage, particularly when their premiums are too high.

Since consumers have many insurance providers from which to choose, it is very difficult to locate the lowest cost company.

The purpose of this article is to instruct you on how to effectively get price quotes and some money-saving tips. If you have car insurance now, you will be able to save some money using these techniques. Although vehicle owners need to have an understanding of the way insurance companies market insurance on the web and use this information to your advantage.

Pay less for Chevy S-10 Blazer insurance

Insuring your vehicles can cost a lot, but there are discounts available that you may not even be aware of. Certain discounts will be triggered automatically when you purchase, but some must be specifically requested before you get the savings.

  • Safe Drivers – Safe drivers may receive a discount up to 45% less on S-10 Blazer coverage than drivers with accident claims.
  • Early Signing – A few companies offer discounts for signing up prior to your current policy expiring. This can save 10% or more.
  • Good Students Pay Less – A discount for being a good student can save 20 to 25%. This discount can apply up until you turn 25.
  • No Claims – Drivers who don’t have accidents pay less compared to bad drivers.
  • Organization Discounts – Affiliation with certain professional organizations could trigger savings on your policy on S-10 Blazer coverage.
  • Defensive Driver – Taking part in a course in driver safety could possibly earn you a 5% discount if your company offers it.
  • Air Bag Discount – Vehicles equipped with air bags may earn rate discounts of up to 25% or more.

Drivers should understand that some credits don’t apply to all coverage premiums. The majority will only reduce specific coverage prices like comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous. Any amount of discount will reduce your overall premium however.

For a list of insurers offering insurance coverage discounts, click here.

How to Get Car Insurance Comparison Quotes

There are several ways to compare Chevy S-10 Blazer car insurance prices but some are easier and takes less work. You can spend countless hours discussing policy coverages with insurance companies in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

Most major companies are enrolled in a marketplace where prospective buyers enter their coverage request one time, and every company then returns a price quote for coverage. This saves time by eliminating quote forms for each company.

To access this free quoting program, click here (opens in new window).

The only drawback to using this type of system is you don’t know exactly which companies you want to price. So if you want to select specific providers to compare prices, we have a listing of companies who write car insurance in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just be sure to compare identical coverage limits for every company. If you use different limits and deductibles on each one it will be very difficult to determine the best price for your Chevy S-10 Blazer. Just a small difference in limits may cause a big price difference. And when comparison shopping, obtaining a wide range of quotes helps locate lower pricing.

Tailor your coverage to you

When it comes to choosing coverage for your vehicles, there is no one size fits all plan. Everyone’s needs are different so your insurance should reflect that These are some specific questions might point out whether or not you could use an agent’s help.

  • When do I need to add a new car to my policy?
  • Can I rent a car in Mexico?
  • Do I need PIP coverage since I have good health insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is my teenager covered with friends in the car?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance coverage breakdown

Having a good grasp of auto insurance can help you determine which coverages you need and the correct deductibles and limits. Auto insurance terms can be confusing and reading a policy is terribly boring. Shown next are typical coverage types offered by auto insurance companies.

Comprehensive auto coverage

This pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, hitting a bird and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like nursing services, rehabilitation expenses and pain medications. They are used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other drivers 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, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability coverage

This provides protection from injuries or damage you cause to other people or property. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have 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. Another option is a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as emergency aid, funeral expenses and pain and suffering. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Coverage for collisions

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a mailbox, damaging your car on a curb, hitting a parking meter, crashing into a building and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

More effort can pay off

As you go through the steps to switch your coverage, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice physical damage coverage only to regret that the savings was not a smart move. Your aim should be to buy the best coverage you can find at the best price while still protecting your assets.

The cheapest 1996 Chevy S-10 Blazer insurance is possible from both online companies and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance providers do not offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

In this article, we covered a lot of ways to compare insurance prices online. The key thing to remember is the more times you quote, the better your comparison will be. You may be surprised to find that the biggest savings come from a lesser-known regional company. Regional companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm or Progressive.

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