1998 Chevrolet S-10 Blazer Insurance Quotes – 5 Tricks for Best Rates

Looking for lower insurance rates for your Chevrolet S-10 Blazer? Are you overwhelmed by the dozens of insurance choices? Many other drivers are as well. There are so many options available that it can be a big hassle to find the best price.

It’s a good idea to price shop coverage before your policy renews because rates change quite often. Even if you think you had the best deal for S-10 Blazer coverage a couple years back you will most likely find a better rate today. So forget anything you know (or think you know) about insurance because you’re going to learn the proper way to lower your annual insurance bill.

If you currently have car insurance, you should be able to save some money using these tips. This information will help educate you on the most effective way to quote insurance and some tips to save money. Although vehicle owners must learn how insurance companies market insurance on the web and use this information to your advantage.

Low Cost Insurance Coverage

When shopping for insurance coverage there are multiple ways to compare rate quotes from local insurance coverage companies. The best way to find the lowest 1998 Chevy S-10 Blazer rates consists of shopping online. This can be accomplished using a couple different methods.

  • One of the best ways to find low rates is an all-inclusive rate comparison like this one (opens in new window). This form saves time by eliminating repetitive form entry for each company you want a rate for. Taking the time to complete one form will return price quotes from many national carriers. This is perfect if you don’t have a lot of time.
  • A harder way to compare prices requires a visit to the website of each company and complete a new quote form. For example, we’ll assume you want to compare Nationwide, Farmers and Liberty Mutual. You would have to go to every website to input your insurance information, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just make absolute certain that you use exactly the same quote information for each price quote. If you compare higher or lower deductibles it’s impossible to decipher which rate is best. Quoting even small variations in coverage limits may result in large price differences. It’s important to know that comparing more company’s prices helps you find better pricing.

Tailor your coverage to you

When buying adequate coverage for your vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine if you will benefit from professional help.

  • Can I afford low physical damage deductibles?
  • Do I have any recourse if my insurance company denies a claim?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I waive the damage coverage when renting a car?
  • Are my friends covered when driving my car?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Should I carry comprehensive and collision coverage?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Insurance coverages explained

Knowing the specifics of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Auto liability

This can cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from claims by other people. Liability 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. As an example, you may have liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like court costs, structural damage, loss of income and pain and suffering. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Auto collision coverage

Collision insurance will pay to fix damage to your S-10 Blazer from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like backing into a parked car, hitting a mailbox, crashing into a ditch and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, rock chips in glass and fire damage. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your 1998 Chevy S-10 Blazer.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like funeral costs, ambulance fees, hospital visits, rehabilitation expenses and doctor visits. They can be used to fill the gap from your health insurance policy 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 any family member struck as a pedestrian. PIP is not universally available and may carry a deductible