2004 Chevrolet S-10 Blazer Car Insurance Quotes

Looking for better car insurance rates? Shoppers have lots of choices when shopping for low-cost Chevy S-10 Blazer insurance. They can either spend hours struggling with agents to get rate comparisons or save time using the internet to find the lowest rates.

There are more efficient ways to compare car insurance rates and we’ll show you the best way to get price quotes for your Chevy and locate the lowest price from both online companies and local agents.

Consumers need to get comparison quotes occasionally because prices tend to go up over time. If you had the best price on S-10 Blazer insurance a couple years back a different company probably has better rates today. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the tricks you need to know to reduce your cost while improving coverage.

If you are insured now or are just looking to switch companies, you will benefit by learning to shop for the lowest rates and still get good coverage. This information will help you learn the most effective way to quote insurance and some tricks to saving. Drivers just need to learn the proper way to shop for auto insurance online.

Save big with these discounts

Insurance can cost an arm and a leg, but there are discounts available to help bring down the price. Some discounts apply automatically when you complete an application, but a few must be asked about prior to receiving the credit. If you’re not getting every credit available, you are throwing money away.

  • Senior Citizens – Older drivers may be able to get better auto insurance rates on S-10 Blazer insurance.
  • Low Mileage – Fewer annual miles on your Chevy could qualify for discounted rates on garaged vehicles.
  • No Charge for an Accident – Certain companies permit an accident before raising your premiums so long as you haven’t had any claims prior to the accident.
  • Defensive Driver – Completing a driver safety course could possibly earn you a 5% discount if you qualify.
  • Homeowners Discount – Owning a home can help you save on auto insurance because maintaining a house requires personal responsibility.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less on S-10 Blazer insurance than drivers with accident claims.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • Distant Student – Any of your kids who live away from home and don’t have a car can receive lower rates.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Most only cut the cost of specific coverages such as comp or med pay. Just because you may think you would end up receiving a 100% discount, it just doesn’t work that way. Any qualifying discounts will help reduce your overall premium however.

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

Elements that influence Chevy S-10 Blazer insurance rates

An important part of buying insurance is that you know some of the elements that go into determining the rates you pay for insurance. Having a good understanding of what determines base rates allows you to make educated decisions that can help you get lower insurance prices.

Listed below are a partial list of the pieces companies use to determine your rates.

  • Where do you drive? – The more miles you rack up on your Chevy in a year’s time the higher your rate. Most companies rate vehicles based on their usage. Cars and trucks that are left in the garage can get a lower rate than vehicles that are driven to work every day. Verify your insurance policy shows how each vehicle is driven, because it can save money. If your policy improperly rates your S-10 Blazer may be costing you.
  • Protect your assets with liability insurance – The liability section of your policy will protect you if ever a court rules you are at fault for damages caused by your negligence. Liability provides legal defense coverage up to the limits shown on your policy. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
  • More claims means more premium – If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Companies give lower rates to insureds who do not file claims often. Car insurance is intended for the large, substantial claims.
  • Your spouse saves you money – Getting married actually saves money on insurance. It translates into being more responsible and it’s statistically proven that married drivers get in fewer accidents.
  • Low deductibles can be expensive – The deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. Coverage for physical damage, also known as collision and other-than-collision, protects your car from damage. Some instances where coverage would apply would be running into the backend of another car, damage from fire, or theft. The higher the amount you are required to pay out-of-pocket, the lower your rates will be on S-10 Blazer insurance.
  • Better credit means lower rates – Having a bad credit score is a large factor in determining your rates. People with high credit ratings tend to be more responsible as compared to drivers with lower credit ratings. Therefore, if your credit is low, you could save money insuring your 2004 Chevrolet S-10 Blazer by improving your credit score.
  • Your location affects your rates – Residing in small towns and rural areas can be a good thing when it comes to insurance. Fewer drivers means reduced accidents. City drivers have to deal with much more traffic to deal with and a longer drive to work. More time on the road translates into higher accident risk.
  • Traffic violations increase rates – Good drivers receive lower rates than people who have multiple driving citations. Even one moving violation can increase rates twenty percent or more. If you have severe violations like DWI, reckless driving or hit and run convictions may find they need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.

But I don’t know anything about car insurance

When it comes to choosing coverage, there isn’t really a one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining whether or not you may require specific advice.

  • Should I have a commercial auto policy?
  • Do I need to file an SR-22 for a DUI in my state?
  • Am I covered when pulling a rental trailer?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered when driving someone else’s vehicle?
  • Is my state a no-fault state?
  • Are split liability limits better than a combined single limit?
  • When can I cancel my policy?
  • Do I need motorclub coverage?

If you can’t answer these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can help protect your family.

Insurance ads bend the truth

Consumers can’t get away from ads for car insurance savings by 21st Century, Allstate and State Farm. All the ads make the same claim of big savings if you change to their company.

How does each company make the same claim?

All companies can use profiling for the right customer that makes them money. For instance, a desirable insured might be between 25 and 40, a clean driving record, and has a high credit rating. A customer that hits that “sweet spot” is entitled to the best price and is almost guaranteed to save quite a bit of money when switching.

Consumers who don’t meet the requirements will be charged more money which usually ends up with the customer not buying. The ads say “drivers who switch” not “everyone that quotes” save money. That is how insurance companies can confidently claim big savings.

That is why drivers must get as many comparisons as possible. Because you never know which company will provide you with the cheapest Chevy S-10 Blazer insurance rates.

Specific coverage details

Knowing the specifics of a insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for expenses like dental work, doctor visits and X-ray expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision coverage will pay to fix damage to your S-10 Blazer resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as driving through your garage door, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Liability

Liability coverage provides protection from damages or injuries you inflict on people or other property. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, 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 which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as court costs, medical services, legal defense fees and bail bonds. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Comprehensive insurance

This pays for 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 can pay for things like hitting a bird, hail damage and damage from a tornado or hurricane. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Chevy S-10 Blazer.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Do the work, save more money

When trying to cut insurance costs, don’t be tempted to sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at a price you can afford while still protecting your assets.

Budget-conscious 2004 Chevy S-10 Blazer insurance is definitely available from both online companies and also from your neighborhood agents, and you need to price shop both to have the best rate selection. There are still a few companies who may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.

In this article, we covered some good ideas how to save on insurance. The key thing to remember is the more companies you get rates for, the better chance you’ll have of finding lower rates. Consumers may even find the best prices are with some of the smallest insurance companies.

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