1997 Chevrolet S-10 Blazer Insurance Quotes

I can’t think of anyone who enjoys paying for insurance, in particular when the price is too high. Drivers have multiple auto insurance companies to purchase coverage from, and although it’s nice to have a choice, having more insurance companies makes it harder to find a good deal.

You need to take a look at other company’s rates every six months because rates trend upward over time. Even if you got the lowest rates for S-10 Blazer insurance a few years ago there is a good chance you can find better rates now. So forget anything you know (or think you know) about insurance because we’re going to show you one of the best ways to properly buy coverages and cut your premium.

Finding affordable coverage is quite easy. If you currently have car insurance, you should be able to cut costs considerably using these methods. Drivers just need to understand the proper way to compare company rates over the internet.

Chevy S-10 Blazer insurance rates consist of many parts

Smart consumers have a good feel for some of the elements that go into determining the rates you pay for car insurance. Understanding what influences your rates helps enable you to make changes that could result in big savings.

Listed below are a few of the “ingredients” that factor into premiums.

  • One company can mean more discounts – Many insurers will award you with lower prices to customers who consolidate policies with them, otherwise known as a multi-policy discount. Even with this discount, you still need to comparison shop to verify if the discount is saving money.
  • Higher deductibles cost less – Deductibles for physical damage represent how much money you are required to spend out-of-pocket in the event of a claim. Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered would be colliding with a building, vandalism, or theft. The more the insured has to pay upfront, the less your car insurance will be for S-10 Blazer insurance.
  • Protect yourself with liability coverage – Liability insurance is the protection if a jury decides you are liable for damages caused by your negligence. It will provide for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
  • How credit affects car insurance rates – A driver’s credit rating is a important factor in determining your rates. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have lower credit scores. If your credit rating can use some improvement, you could save money insuring your 1997 Chevrolet S-10 Blazer by improving your rating.

Finding Insurance Deals

All the larger insurance companies such as State Farm, Geico and Progressive quote coverage price quotes on the web. The process is fairly simple as you just type in the coverages you want as requested by the quote form. After you submit the form the company’s rating system automatically retrieves reports for credit and driving violations and returns pricing information based on these factors. Being able to quote online streamlines rate comparisons, but the time it takes to visit several different sites and complete many quote forms can be a bit repetitive. But it’s absolutely necessary to do this in order to get the best price on insurance.

An easier way to locate the lowest prices requires only one form that gets price quotes from multiple companies. This type of form saves time, helps eliminate reptitive entry, and makes price shopping online much more efficient. Once the form is submitted, it is rated and you are able to buy any or none of the quotes returned. If the quotes result in lower rates, you can simply submit the application and purchase the new policy. The whole process only takes a few minutes and you will find out if you’re overpaying now.

To save time and compare rates now, click here and input your coverage information. If you have your current policy handy, we recommend you input deductibles and limits exactly as they are listed on your policy. This guarantees you are getting a fair comparison using the same coverage and limits.

The fine print in auto insurance ads

Consumers can’t ignore all the ads for the lowest price auto insurance by State Farm, Geico and Progressive. They all seem to make an identical promise that you’ll save big after switching to their company.

How do they all make almost identical claims? This is how they do it.

Insurance companies have a certain “appetite” for the driver that earns them a profit. A good example of a preferred risk might be profiled as between 25 and 40, has no tickets, and chooses high deductibles. Any new insured who matches those parameters will qualify for the lowest rates and as a result will probably save when they switch companies.

Potential insureds who are not a match for the “perfect” profile must pay a more expensive rate which usually ends up with the customer not buying. The ads say “people who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can advertise the way they do. This illustrates why you absolutely need to compare as many rates as you can. It’s just too difficult to predict the company that will fit your personal profile best.

Don’t overlook these discounts

Companies do not advertise every available discount in an easy-to-find place, so we took the time to find some of the more common and the harder-to-find discounts you could be receiving. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Life Insurance Discount – Some companies give better rates if you take out a life insurance policy as well.
  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • Passive Restraint Discount – Factory air bags can get savings up to 30%.
  • Memberships – Affiliation with a professional or civic organization could qualify you for a break when shopping for insurance coverage for S-10 Blazer insurance.
  • Accident Free – Drivers with accident-free driving histories pay much less as compared to accident-prone drivers.
  • Multi-car Discount – Buying insurance for more than one vehicle on the same insurance coverage policy could earn a price break for each car.
  • Early Switch Discount – Select companies give a discount for switching to them before your current policy expires. It’s a savings of about 10%.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Homeowners Pay Less – Owning a house can save you money because owning a home is proof that your finances are in order.
  • Military Discounts – Being deployed with a military unit may qualify for rate reductions.

As a disclaimer on discounts, most credits do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. Just because you may think all those discounts means the company will pay you, companies don’t profit that way.

Companies that may offer these money-saving discounts are:

Double check with all companies you are considering which discounts you may be entitled to. All car insurance discounts may not apply in every state.

Is my situation unique?

When choosing proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Every insured’s situation is different so this has to be addressed. For example, these questions might point out whether you would benefit from an agent’s advice.

  • Do all my vehicles need collision coverage?
  • What can I do if my company won’t pay a claim?
  • When do I need to add a new car to my policy?
  • When should I remove comp and collision on my 1997 Chevy S-10 Blazer?
  • If my 1997 Chevy S-10 Blazer is totaled, can I afford another vehicle?
  • Does insurance cover damages from a DUI accident?
  • Does my insurance cover a custom paint job?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Parts of your insurance policy

Knowing the specifics of your policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are typical coverages found on the average insurance policy.

Comprehensive insurance – This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, rock chips in glass, theft, damage from flooding and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability auto insurance – Liability insurance will cover damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers things such as bail bonds, attorney fees, funeral expenses and medical services. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverages – This pays for damage to your S-10 Blazer caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with a tree, colliding with another moving vehicle, scraping a guard rail and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as dental work, ambulance fees and pain medications. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 1997 Chevy S-10 Blazer.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Be Smart and Buy Smart

In this article, we covered quite a bit of information on how to shop for 1997 Chevy S-10 Blazer insurance online. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. You may be surprised to find that the lowest rates come from a smaller regional carrier. Regional companies can often insure niche markets at a lower cost compared to the large companies like Allstate, Geico and Progressive.

When buying insurance coverage, you should never buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice full coverage only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

Discount insurance can be sourced both online in addition to many insurance agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies do not provide you the ability to get quotes online and these smaller companies work with independent agents.

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