Compare 1991 Chevrolet S-10 Blazer Car Insurance Cost

Want the cheapest car insurance rates for your Chevrolet S-10 Blazer? Are you sick and tired of being strong-armed each month for car insurance? You’re in the same situation as millions of other consumers. Drivers have so many car insurance companies to choose from, and although it’s a good thing to be able to choose, having more insurance companies makes it harder to compare rates and find the lowest cost car insurance.

Don’t miss out on these money-saving discounts

The price of auto insurance can be rather high, buy you may qualify for discounts to reduce the price significantly. Most are applied at the time you complete a quote, but some may not be applied and must be manually applied in order for you to get them. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off for S-10 Blazer insurance with certain companies.
  • No Charge for an Accident – Some insurance companies permit an accident before raising your premiums if you are claim-free prior to the accident.
  • Seat Belt Usage – Requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts can get savings of up to 25% or more.
  • Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less for S-10 Blazer insurance than less cautious drivers.
  • Multi-car Discount – Buying coverage for more than one vehicle with the same company can get a discount on all vehicles.
  • Own a Home – Being a homeowner may trigger a auto insurance policy discount because owning a home requires personal responsibility.
  • Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Paperwork-free – Certain companies will give a small break simply for signing over the internet.
  • Student in College – Kids in college who are attending college and do not have access to a covered vehicle can receive lower rates.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like all the discounts add up to a free policy, you’re out of luck. Any amount of discount will cut the amount you have to pay.

Insurance companies who might offer some of the above discounts are:

It’s a good idea to ask each company what discounts are available to you. Some discounts may not be available everywhere.

Do I need special coverages?

When buying adequate coverage, there is no “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that may help highlight whether or not you might need an agent’s assistance.

  • How do I file an SR-22 for a DUI in my state?
  • Who is covered by my policy?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Can I afford to pay high deductible claims out of pocket?
  • Can I rent a car in Mexico?
  • Is rental equipment covered for theft or damage?
  • Do I need replacement cost coverage?
  • Is pleasure use cheaper than using my 1991 Chevy S-10 Blazer to commute?
  • Why does it cost so much to insure a teen driver?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Educate yourself about car insurance coverages

Knowing the specifics of car insurance can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages available from car insurance companies.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for expenses like rehabilitation expenses, ambulance fees, surgery, X-ray expenses and prosthetic devices. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, rock chips in glass, hitting a deer, damage from a tornado or hurricane and falling objects. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 1991 Chevy S-10 Blazer.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these coverages do not exceed the liability coverage limits.

Collision – Collision coverage pays for damage to your S-10 Blazer resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a ditch, damaging your car on a curb and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Liability coverage – This can cover damage that occurs to other people or property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which stand for 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 coverage protects against things like court costs, attorney fees, repair costs for stationary objects, loss of income and legal defense fees. How much coverage you buy is your choice, but consider buying as large an amount as possible.

The best insurance company isn’t always the cheapest

As you shop your coverage around, don’t be tempted to sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice collision coverage only to regret that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage at the best price.

Cheaper 1991 Chevy S-10 Blazer insurance is attainable from both online companies as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture. A few companies don’t offer online quoting and most of the time these smaller companies sell through independent agents.

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