1993 Chevrolet S-10 Blazer Insurance Rates – 8 Tips for Cheaper Quotes

Looking for lower car insurance rates? Shoppers have a choice when shopping for low-cost Chevy S-10 Blazer insurance. You can either waste hours struggling with agents to compare prices or use the internet to get rate quotes. There are both good and bad ways to find car insurance online and we’ll show you the best way to compare rates for a Chevy and find the cheapest rates either online or from local insurance agents.

Cut your premium with these eight discounts

Companies that sell car insurance don’t always list every discount very well, so the following is a list of both the well known and the more hidden ways to save on auto insurance. If you don’t get every credit available, you are throwing money away.

  • Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
  • Defensive Driver – Taking part in a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Safe Drivers – Safe drivers can pay as much as 50% less for S-10 Blazer coverage than their less cautious counterparts.
  • No Charge for an Accident – A few companies permit an accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Good Student Discount – This discount can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Seat Belts Save – Drivers who require all occupants to buckle their seat belts can save up to 15% off your medical payments premium.
  • Life Insurance Discount – Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
  • Clubs and Organizations – Affiliation with a civic or occupational organization could qualify you for a break on your policy for S-10 Blazer coverage.

Consumers should know that most discounts do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears all those discounts means the company will pay you, it doesn’t quite work that way.

A partial list of companies that may have these benefits include:

Double check with all companies you are considering how you can save money. All car insurance discounts may not be available everywhere.

Comprehensive Car Insurance Comparison

Finding lower car insurance rates is actually quite simple. Drivers just need to take a couple of minutes to compare rate quotes online with multiple companies. It is quite easy and can be accomplished using a couple different methods.

  • The first (and easiest) way consumers can analyze rates would be an industry-wide quote request form like this one (opens in new window). This type of form eliminates the need for repetitive form entry for every car insurance company. A single form will return price quotes from car insurance companies with the best prices.It’s the quickest way to get rates.
  • A more difficult way to shop for car insurance online is to manually visit each company’s website and fill out their own quote form. For example, let’s say you want comparison quotes from USAA, Liberty Mutual and Allstate. You would have to go to every website to input your insurance information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

  • The least efficient method of comparing rate quotes is driving to insurance agents’ offices. Buying insurance online eliminates the need for an insurance agent unless you want the professional guidance that only a license agent can provide. You can, however, get prices online but buy from a local insurance agent and we’ll cover that in a bit.

However you get your quotes, make sure you use apples-to-apples information with each company. If you compare different liability limits it will be impossible to decipher which rate is best.

What is the best insurance coverage?

When it comes to buying proper insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s needs are different.

For example, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • Should I get collision insurance on every vehicle?
  • Does my medical payments coverage pay my health insurance deductible?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Should I buy additional glass protection?
  • Does insurance cover tools stolen from my truck?
  • Is a blown tire covered by insurance?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Parts of your insurance policy

Understanding the coverages of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like falling objects, vandalism, hitting a bird, a broken windshield and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage

This coverage covers damage to your S-10 Blazer from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a mailbox, scraping a guard rail, rolling your car, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability auto insurance

Liability insurance can cover injuries or damage you cause to people or other property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for claims such as repair costs for stationary objects, attorney fees, legal defense fees and loss of income. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like EMT expenses, ambulance fees, doctor visits, pain medications and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

A little work can save a LOT of money

Cheap 1993 Chevy S-10 Blazer insurance can be purchased both online in addition to many insurance agents, so you should compare both so you have a total pricing picture. There are still a few companies who do not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

Drivers switch companies for a variety of reasons including being labeled a high risk driver, high prices, questionable increases in premium or high rates after DUI convictions. It doesn’t matter what your reason, finding a new car insurance company is easier than you think.

In this article, we presented many ways to shop for insurance online. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding lower rates. Consumers may even find the lowest rates come from a smaller regional carrier.

More tips and info about car insurance can be found in the articles below: