Finding cheaper insurance for a new or used Chevy S-10 Blazer could be a lot of work, but you can follow these tips to make it easier.
There is a right way and a wrong way to compare insurance coverage rates and we’ll show you the quickest way to quote coverages for a Chevy and locate the best price possible.
Pricing affordable protection is not that difficult. If you have insurance now or are shopping for new coverage, you can use these techniques to reduce the price you pay and possibly find even better coverage. Drivers only need an understanding of the most efficient way to find the lowest price online.
Comparing car insurance rates can take hours if you don’t understand the easiest way. You can waste a few hours (or days) talking to local insurance agents in your area, or you can stay home and use online quotes for quick rates.
Most of the best insurance companies participate in an industry program that enables customers to enter their policy data once, and each participating company returns a competitive quote based on the submitted data. This saves time by eliminating quote forms for each company. To enter your information into the quoting system, click here to open in new window.
One minor caviat to doing it this way is you can’t choose which companies you want to price. If you would rather choose specific providers to compare rates, we have a page of companies who write car insurance in your area. Click to view list.
It’s up to you how you get prices quotes, just make darn sure you compare exactly the same coverages and limits for each price quote. If you are comparing differing limits it’s not possible to make a fair comparison for your Chevy S-10 Blazer.
Car insurance is not cheap, but discounts can save money and there are some available to help offset the cost. Most are applied at the time of purchase, but some may not be applied and must be requested specifically prior to getting the savings. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.
As a disclaimer on discounts, most discount credits are not given to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, it just doesn’t work that way. But all discounts will bring down your premiums.
For a list of providers with discount insurance coverage rates, click this link.
When it comes to buying the right insurance coverage for your vehicles, there is no cookie cutter policy. Everyone’s needs are different.
These are some specific questions may help highlight if your insurance needs might need an agent’s assistance.
If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.
It’s important that you understand the factors that come into play when calculating the rates you pay for car insurance. Having a good understanding of what determines base rates helps enable you to make changes that could result in lower car insurance prices.
Having a good grasp of your policy can help you determine the best coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and coverage can change by endorsement.
Liability insurance
This provides protection from damage or injury you incur to a person or their property by causing an accident. It protects YOU from claims by other people, and 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. Your policy might show liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage pays for claims like repair bills for other people’s vehicles, repair costs for stationary objects, medical expenses, emergency aid and attorney fees. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.
Collision protection
Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage protects against things such as colliding with another moving vehicle, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.
Coverage for medical expenses
Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as EMT expenses, nursing services and dental work. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage
Coverage for uninsured or underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.
Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.
Comprehensive car insurance
Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims such as damage from a tornado or hurricane, hitting a deer, damage from flooding, a broken windshield and vandalism. The most your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
While you’re price shopping online, never reduce needed coverages to save money. There are many occasions where drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your goal should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.
Insureds leave their current company for a number of reasons such as delays in paying claims, high prices, unfair underwriting practices or high rates after DUI convictions. It doesn’t matter what your reason, switching companies is easier than you think.
Cost effective 1990 Chevy S-10 Blazer insurance can be sourced both online and also from your neighborhood agents, so you should compare both so you have a total pricing picture. Some insurance companies may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.
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