Are you tired of trying to scrape together enough money to pay your car insurance bill each month? You are no different than many other drivers.
Consumers have many car insurance companies to purchase coverage from, and although it’s a good thing to have a choice, it makes it harder to compare rates and cut insurance costs.
It’s important that you understand the factors that come into play when calculating the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that will entitle you to better car insurance rates.
Comparing car insurance rates can take hours if you aren’t aware of the most efficient way. You can waste a few hours (or days) discussing policy coverages with local insurance agents in your area, or you could use online quoting to get rate comparisons in just a few minutes.
The majority of car insurance companies take part in a program that enables customers to send in one quote, and each participating company then gives them pricing for coverage. This saves time by eliminating quote forms for each company you want a rate for.
To compare 1999 Chevy S-10 Blazer rates now click here to open in new window.
The one disadvantage to using this type of form is that you can’t choose which companies you want to price. If you prefer to choose from a list of companies to receive pricing from, we have a listing of companies who write car insurance in your area. Click here for list of insurance companies.
Whichever method you choose, ensure you’re using identical coverage information with each company. If you use different deductibles you will not be able to make an equal comparison. Just a small difference in coverage limits can make a big difference in price. And when price shopping your coverage, more quotes will enable you to find better pricing.
Insurance companies such as Progressive, Allstate and Geico continually stream ads in print and on television. They all seem to say the same thing that you’ll save big after switching to their company. How can each company say the same thing? This is how they do it.
Different companies are able to cherry pick for the right customer that makes them money. An example of a desirable insured could be over the age of 50, insures multiple vehicles, and has a high credit rating. Any new insured that hits that “sweet spot” gets the lowest rates and as a result will probably save quite a bit of money when switching.
Consumers who do not match this ideal profile will be quoted higher premiums and this can result in the customer not buying. The ad wording is “customers who switch” but not “drivers who get quotes” save money. That is how companies can make those claims.
This emphasizes why it’s extremely important to get quotes from several different companies. Because you never know which company will have the lowest Chevy S-10 Blazer insurance rates.
Car insurance can cost a lot, but there could be available discounts to help offset the cost. Most are applied when you quote, but a few need to be inquired about before you get the savings.
Drivers should understand that most discount credits are not given to the entire cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way. Any amount of discount will cut the amount you have to pay.
Car insurance companies that may have some of the above discounts include:
Before buying, ask each insurance company what discounts are available to you. All car insurance discounts might not apply everywhere.
When it comes to choosing coverage for your vehicles, there is no cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. These are some specific questions could help you determine if your insurance needs could use an agent’s help.
If you don’t know the answers to these questions, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.
Learning about specific coverages of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are the usual coverages found on most insurance policies.
Liability car insurance
This coverage can cover damage that occurs to other people or property by causing an accident. It protects YOU against other people’s claims, and 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 values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.
Liability can pay for things like medical expenses, emergency aid and structural damage. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.
Coverage for uninsured or underinsured drivers
Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 1999 Chevy S-10 Blazer.
Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Usually these limits do not exceed the liability coverage limits.
Coverage for medical expenses
Med pay and PIP coverage reimburse you for expenses for things like chiropractic care, dental work and EMT expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay
Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims like vandalism, damage from a tornado or hurricane, hitting a deer, a tree branch falling on your vehicle and fire damage. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
This coverage covers damage to your S-10 Blazer resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for things like rolling your car, scraping a guard rail, sustaining damage from a pot hole, colliding with a tree and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.
As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. In too many instances, someone sacrificed uninsured motorist or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.
Cheap 1999 Chevy S-10 Blazer insurance is available online and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis. Some insurance coverage companies may not provide the ability to get a quote online and these regional insurance providers work with independent agents.
More tips and info about insurance coverage can be read at these sites: