View 1995 Chevrolet S-10 Blazer Car Insurance Rates

Searching for the cheapest car insurance rates for your Chevrolet S-10 Blazer? Locating the cheapest insurance for a Chevy S-10 Blazer can be a painful process, but you can learn a few tricks to make it easier.

There are more efficient ways to buy car insurance so you’re going to learn the proper way to price shop coverage for a new or used Chevy and obtain the cheapest rates from both online companies and local agents.

Consumers need to shop coverage around on a regular basis due to the fact that insurance rates are adjusted regularly by insurance companies. Even if you think you had the lowest rates for S-10 Blazer coverage last year you can probably find a better price now. So ignore everything you know about car insurance because you’re going to learn the quickest way to lower your annual insurance bill.

Locating cheaper coverage is simple if you know the tricks. If you have insurance now or are looking for a new policy, you can follow these tips to find better prices and still get good coverage. Vehicle owners just need to understand the tricks to get comparison rates over the internet.

Discounts are basically free money

Car insurance can cost a lot, but companies offer discounts to cut the cost considerably. Most are applied at the time you complete a quote, but some must be inquired about before being credited. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Multiple Policy Discount – If you have multiple policies with one insurance company you may earn 10% to 20% off each policy.
  • Early Switch Discount – Some companies give discounts for switching to them before your current policy expires. It’s a savings of about 10%.
  • Anti-theft System – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
  • Save over 55 – If you qualify as a senior citizen, you may receive reduced rates for S-10 Blazer coverage.
  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
  • Multiple Cars – Buying insurance for all your vehicles on one policy qualifies for this discount.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Some only apply to individual premiums such as medical payments or collision. So when it seems like all the discounts add up to a free policy, it just doesn’t work that way. But all discounts will help reduce the amount you have to pay.

Companies that possibly offer these discounts are:

It’s a good idea to ask every prospective company which discounts you may be entitled to. All car insurance discounts may not be available in every state.

Compare Car Insurance Today

Getting a cheaper price on 1995 Chevy S-10 Blazer insurance is a fairly straight forward process. All that’s required is to take a few minutes comparing price quotes online from several insurance companies. It is quite easy and can be accomplished in several different ways.

  • The first (and easiest) way to get quotes is to use a rate comparison form (click to open form in new window). This method saves time by eliminating multiple quote forms to each individual car insurance company. A single, simple form will get you price quotes from multiple companies. Recommended for those who want to invest the least amount of time.
  • Another way to obtain and compare quotes online requires visiting the website for every company you want to comare and fill out their own quote form. For instance, we’ll assume you want to compare rates from Nationwide, 21st Century and State Farm. To get rate quotes you would need to visit each site to input your insurance information, which is why the first method is more popular. To view a list of companies in your area, click here.
  • The least recommended way of comparing rate quotes is to spend your day driving to local insurance agencies. The internet eliminates the need for an insurance agent unless you prefer the personal advice only provided by licensed agents. However, consumers can get prices online but still have the advice of a local agent and you’ll learn how to do that later.

It doesn’t matter which method you choose, just ensure you are comparing identical quote information for every company. If each company quotes differing limits you can’t possibly make an equal comparison.

Elements that influence Chevy S-10 Blazer insurance rates

It’s important that you understand some of the elements that go into determining the rates you pay for car insurance. Knowing what determines base rates empowers consumers to make smart changes that could result in much lower annual insurance costs.

  • Adjust deductibles and save – Deductibles for physical damage define the amount you are required to spend if you file a covered claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Examples of covered claims would be running into the backend of another car, damage caused by hail, or theft. The more you’re willing to pay, the less your car insurance will be for S-10 Blazer coverage.
  • Extra add-on coverages are wasting money – There are a ton of extra bells and whistles that can waste your money on your car insurance policy. Insurance for roadside assistance, accident forgiveness and term life insurance are some examples. They may seem good when talking to your agent, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores are cheaper to insure. These vehicles protect occupants better and fewer injuries translates into savings for insurance companies and lower rates for you. If your Chevy has ratings of a minimum four stars on Safercar.gov it is probably cheaper to insure.
  • Younger drivers pay higher rates – Older insureds tend to be more responsible, file fewer claims and receive fewer citations. Youthful drivers are known to get distracted easily when behind the wheel therefore car insurance rates are much higher.
  • Rural vs Urban Areas – Residing in a rural area has it’s advantages when it comes to car insurance. City drivers have to deal with congested traffic and longer commutes to work. Less people living in that area means fewer accidents and a lower car theft rate.
  • Males pay more for insurance – Statistics demonstrate women are more cautious behind the wheel. However, this does not mean men are worse drivers. They both are in accidents at a similar rate, but men have costlier accidents. Men also receive more costly citations like DUI and reckless driving. Young males are the most expensive to insure and therefore are the most expensive to insure.
  • Where do you drive? – The higher the mileage driven every year the higher your rate. Most companies price each vehicle’s coverage based on their usage. Vehicles left parked in the garage receive lower rates compared to those used for work or business. Make sure your car insurance declarations sheet properly reflects the correct usage for each vehicle, because improper ratings can cost you money. If your policy improperly rates your S-10 Blazer can result in significantly higher rates.
  • A lapse in coverage is a bad thing – Not having insurance can get your license suspended and as a result your rates will increase for letting your insurance lapse. Not only will rates go up, failure to provide proof of insurance will get you a hefty fine and possibly a revoked license.You may need to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.

Which insurance is the “right” coverage?

When it comes to choosing the best insurance coverage, there isn’t really a single plan that fits everyone. Every insured’s situation is different.

For instance, these questions may help highlight if your insurance needs would benefit from professional advice.

  • How does medical payments coverage work?
  • Why do I need rental car insurance?
  • When does my teenage driver need to be added to my policy?
  • How many claims can I have before being cancelled?
  • Am I covered by my spouse’s policy after a separation?
  • Am I covered when pulling a rental trailer?
  • Is a new car covered when I drive it off the dealer lot?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specifics of your insurance policy

Learning about specific coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Chevy S-10 Blazer.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverages – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, damage from getting keyed and vandalism. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverage – Liability coverage provides protection from damage or injury you incur to other people or property by causing an accident. It protects you from legal claims by others. Liability doesn’t 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 might see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like structural damage, legal defense fees, emergency aid, repair costs for stationary objects and attorney fees. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Coverage for medical payments – Med pay and PIP coverage provide coverage for bills for things like ambulance fees, funeral costs, EMT expenses and pain medications. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Collision – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as sideswiping another vehicle, sustaining damage from a pot hole, crashing into a building and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to get cheaper collision coverage.

Make an honest buck

Drivers switch companies for a variety of reasons including denial of a claim, being labeled a high risk driver, policy cancellation or poor customer service. It doesn’t matter what your reason, switching companies is not as hard as you think.

As you go through the steps to switch your coverage, you should never sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped physical damage coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase plenty of coverage for the lowest price while still protecting your assets.

Throughout this article, we presented quite a bit of information on how to reduce 1995 Chevy S-10 Blazer insurance prices online. The key thing to remember is the more price quotes you have, the better your comparison will be. Drivers may discover the best price on insurance is with the smaller companies.

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