2004 Chevrolet S-10 Blazer Insurance Rates – 10 Ideas for Cheaper Quotes

Trying to find lower insurance coverage rates for your Chevrolet S-10 Blazer? Confused by the crazy number of insurance coverage options? You have a lot of company. People have so many choices that it can turn into a ton of work to compare prices.

Comprehensive Insurance Comparison

Effectively comparing insurance prices can be a daunting task if you don’t understand the most efficient way to do it. You can waste hours talking about coverages with insurance agencies in your area, or you can stay home and use online quoting to get the quickest rates.

Most of the best insurance companies participate in an industry program where insurance shoppers enter their policy data once, and each participating company returns a competitive quote based on that data. This saves time by eliminating repetitive form submissions to each individual insurance company.

To access this free quoting program, click here to start a free quote.

One minor caviat to getting quotes like this is you are unable to specify which carriers to get pricing from. If you would rather choose specific insurance companies to compare, we have a page of companies who write insurance in your area. Click here for list of insurance companies.

It’s up to you which method you use, but ensure you are comparing apples-to-apples coverage limits for each comparison quote. If you have different deductibles it will be impossible to determine the lowest rate for your Chevy S-10 Blazer. Slightly different coverages can mean a large discrepancy in price. It’s important to know that comparing more company’s prices gives you a better chance of getting lower pricing.

How much can you save with these ten discounts?

Insurance can cost an arm and a leg, but discounts can save money and there are some available that you may not even be aware of. Larger premium reductions will be automatically applied when you purchase, but less common discounts must be inquired about before being credited.

  • Use Seat Belts – Drivers who require all occupants to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
  • Payment Method – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
  • Safe Driver Discount – Insureds without accidents can pay as much as 50% less for S-10 Blazer insurance than drivers with accident claims.
  • Memberships – Affiliation with a civic or occupational organization is a good way to get lower rates when shopping for auto insurance for S-10 Blazer insurance.
  • Low Mileage – Keeping the miles down on your Chevy can qualify you for lower rates on the low mileage vehicles.
  • Senior Discount – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% for S-10 Blazer insurance.
  • Homeowners Discount – Being a homeowner may earn you a small savings because owning a home is proof that your finances are in order.
  • Student Driver Training – Have your child take driver’s ed class if it’s offered in school.
  • Multiple Vehicles – Insuring multiple vehicles with the same company can get a discount on all vehicles.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. Most only cut specific coverage prices like medical payments or collision. So when it seems like you could get a free auto insurance policy, companies wouldn’t make money that way. But any discount will reduce the amount you have to pay.

To see a list of insurance companies offering auto insurance discounts, click here.

How much car insurance do I need?

When it comes to choosing adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

These are some specific questions could help you determine if your situation might need professional guidance.

  • Can I afford to pay high deductible claims out of pocket?
  • Do I need to file an SR-22 for a DUI in my state?
  • Should I have a commercial auto policy?
  • Do I have coverage when pulling a U-Haul trailer?
  • Can my teen drive my company car?
  • Are rental cars covered under my policy?
  • Am I covered when driving on a suspended license?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Specific coverages for a Chevy S-10 Blazer

Knowing the specifics of auto insurance helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a bird, fire damage and rock chips in glass. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability car insurance

This protects you from damage or injury you incur to other’s property or people that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like medical services, structural damage and pain and suffering. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision insurance

This coverage covers damage to your S-10 Blazer resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like backing into a parked car, colliding with another moving vehicle, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for bills for X-ray expenses, nursing services, chiropractic care, EMT expenses and funeral costs. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 2004 Chevy S-10 Blazer.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually these limits are set the same as your liablity limits.

Summing up your auto insurance search

When you buy insurance online, do not buy poor coverage just to save money. There have been many situations where an accident victim reduced uninsured motorist or liability limits to discover at claim time that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

Insureds who switch companies do it for a number of reasons such as delays in responding to claim requests, lack of trust in their agent, poor customer service and even not issuing a premium refund. Regardless of your reason, choosing a new company is pretty easy and you might even save some money in the process.

In this article, we presented some good ideas how to get a better price on 2004 Chevy S-10 Blazer insurance. The key concept to understand is the more quotes you get, the better chance you’ll have of finding lower rates. You may be surprised to find that the best prices are with a company that doesn’t do a lot of advertising.

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