Compare 1993 Chevrolet S-10 Blazer Insurance Quotes

Nobody I know likes paying for car insurance, especially knowing they are paying too much.

Since consumers have many options, it is very difficult to choose the lowest cost car insurance company.

Finding affordable coverage is not that difficult. Basically, anyone who is required by state law to have auto insurance should be able to cut their insurance bill. But car owners can benefit by having an understanding of the way companies price insurance differently and use this information to your advantage.

Discounts are great for lower rates

Companies that sell car insurance don’t always list all available discounts very well, so we researched both the well known and the more hidden ways to save on auto insurance.

  • No Claims – Good drivers with no accidents pay less when compared with accident-prone drivers.
  • Save over 55 – Mature drivers may be able to get a small decrease in premiums for S-10 Blazer insurance.
  • College Student – Kids in college who live away from home and don’t have a car may be able to be covered for less.
  • Sign Early and Save – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. It can save you around 10%.
  • Accident Waiver – A handful of insurance companies will allow you to have one accident before your rates go up as long as you don’t have any claims for a set time period.
  • Passive Restraint Discount – Vehicles equipped with air bags may earn rate discounts of up to 25% or more.
  • New Vehicle Savings – Insuring a new car is cheaper compared to insuring an older model.
  • E-sign – Some insurance companies may give you up to $50 for buying your policy online.
  • Clubs and Organizations – Affiliation with a professional or civic organization could qualify you for a break when shopping for auto insurance for S-10 Blazer insurance.

It’s important to note that many deductions do not apply the the whole policy. Most only cut individual premiums such as collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, you won’t be that lucky.

Car insurance companies who might offer these benefits are:

It’s a good idea to ask every prospective company what discounts are available to you. Some discounts might not be offered in your area.

Why your Chevy S-10 Blazer might be costing you more

An important part of buying insurance is that you know the factors that help determine insurance coverage rates. Having a good understanding of what impacts premium levels helps enable you to make changes that will entitle you to better insurance coverage rates.

  • Rates may be higher depending on your occupation – Occupations such as lawyers, business owners and accountants are shown to have higher rates than average because of high stress levels and long work days. On the flip side, occupations like actors, athletes and the unemployed pay the least for S-10 Blazer insurance.
  • Better crash test results mean better rates – Safer cars get lower rates. These vehicles result in less severe injuries and any reduction in injury severity means lower claim amounts passed on to you as lower rates. If the Chevy S-10 Blazer scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Frequent insurance coverage claims increase rates – Insurance companies give lower rates to people who do not rely on their insurance for small claims. If you tend to file frequent claims, you can definitely plan on higher rates. Auto insurance is intended to be relied upon for larger claims.
  • Marriage pays dividends – Being married can get you a discount on insurance coverage. Having a spouse is viewed as being more mature than a single person and it’s statistically proven that married drivers get in fewer accidents.

You may need specialized coverage

When it comes to choosing coverage, there isn’t really a “best” method to buy coverage. Each situation is unique so your insurance needs to address that. For instance, these questions could help you determine whether your personal situation would benefit from professional advice.

  • What can I do if my company won’t pay a claim?
  • Are rental cars covered under my policy?
  • Is my state a no-fault state?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Does coverage extend to Mexico or Canada?
  • Do I have coverage when pulling a U-Haul trailer?
  • Should I bundle my homeowners policy with my auto?
  • Do I need higher collision deductibles?
  • Do I need an umbrella policy?
  • How can I get high-risk coverage after a DUI?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Auto insurance myths debunked

Companies like Allstate and Progressive regularly use ads in print and on television. All the ads make an identical promise that you can save if you move to their company. How do they all make almost identical claims?

All companies have a certain “appetite” for the type of customer that makes them money. For instance, a profitable customer could possibly be over the age of 40, insures multiple vehicles, and has excellent credit. A driver who meets those qualifications will qualify for the lowest rates and as a result will probably save a lot of money.

Drivers who do not match the requirements will be quoted higher premiums and this can result in business not being written. Company advertisements say “customers who switch” not “everyone that quotes” save that kind of money. That’s the way companies can truthfully advertise the savings. This emphasizes why you need to compare as many rates as you can. You cannot predict the company that will have the lowest Chevy S-10 Blazer insurance rates.

Car insurance coverages for a 1993 Chevy S-10 Blazer

Learning about specific coverages of your policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by insurance companies.

Liability auto insurance – This will cover damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like medical services, repair bills for other people’s vehicles, legal defense fees and emergency aid. How much coverage you buy is up to you, but consider buying as much as you can afford.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for immediate expenses like surgery, nursing services, ambulance fees, pain medications and EMT expenses. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your 1993 Chevy S-10 Blazer.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Comprehensive auto coverage – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, fire damage, damage from getting keyed, hitting a bird and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage covers damage to your S-10 Blazer from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as backing into a parked car, driving through your garage door, hitting a mailbox, colliding with a tree and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Best coverage at the best price

While you’re price shopping online, do not buy poor coverage just to save money. In too many instances, an insured dropped physical damage coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your strategy should be to find the BEST coverage at the best price while still protecting your assets.

You just learned many ways to save on 1993 Chevy S-10 Blazer insurance. The most important thing to understand is the more rate comparisons you have, the better likelihood of reducing your rate. You may even discover the best prices are with a small local company. These smaller insurers may cover specific market segments cheaper compared to the large companies like Allstate, Geico and Progressive.

Additional detailed information can be found at these sites: