1994 Chevrolet S-10 Blazer Insurance Rates

Looking for the cheapest car insurance rates for your Chevrolet S-10 Blazer? Sick and tired of trying to scrape together enough money to insure your Chevy every month? You are no different than many other drivers. There is such a variety of car insurance companies to choose from, and although it’s nice to have multiple companies, too many choices makes it more difficult to get the best deal.

Smart consumers take time to take a look at other company’s rates before your policy renews because rates trend upward over time. Just because you had the best deal for S-10 Blazer insurance two years ago there is a good chance you can find better rates now. Starting right now, block out anything you think you know about car insurance because you’re about to learn one of the easiest ways to save money, get proper coverage and the best rates.

This article will help you learn how to effectively get price quotes. If you have car insurance now, you will most likely be able to cut costs considerably using this strategy. Drivers just need to know the tricks to shop their coverage around online.

How to Get Auto Insurance Comparison Quotes

There are a variety of methods to compare 1994 Chevy S-10 Blazer auto insurance quotes, but there is one way that is easier and takes less work. You could spend the better part of a day talking about coverages with insurance agencies in your area, or you can utilize online quotes to maximize your effort.

Many companies participate in an industry program that enables customers to complete one form, and each company can provide price quotes based on the submitted data. This prevents consumers from doing quotation requests for each company you want a rate for.

To fill out one form to compare multiple rates now click here to open in new window.

The single downside to getting quotes like this is that consumers can’t choose which providers you will receive quotes from. If you would rather choose specific providers for rate comparison, we put together a list of the cheapest auto insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just compare exactly the same coverage limits for every company. If you use higher or lower deductibles it will be impossible to find the best deal for your Chevy S-10 Blazer.

Chevy S-10 Blazer rates are complex

An important part of buying insurance is that you know the different types of things that go into determining the price you pay for insurance. Having a good understanding of what determines base rates helps enable you to make changes that could result in big savings.

Listed below are some of the factors that factor into premiums.

  • Older drivers pay less – Mature drivers tend to be more responsible, tend to file fewer claims and tend to be better behind the wheel. Teenage drivers are statistically proven to be more careless in a vehicle and because of this, their insurance rates are much higher.
  • Men are more aggressive – Statistics demonstrate women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. They both tend to get into accidents in similar percentages, but the male of the species cause more damage. Men also tend to get cited for more serious violations like DUI and reckless driving. Teenage male drivers are most likely to cause an accident and therefore are the most expensive to insure.
  • More miles equals more premium – The more you drive in a year’s time the higher your rates will be. Most companies price each vehicle’s coverage based on their usage. Cars left parked in the garage get more affordable rates than those used for commuting. Improper usage on your S-10 Blazer can cost quite a bit. Make sure your insurance policy properly reflects the correct driver usage.
  • Lower rates with optional equipment – Purchasing a vehicle with an alarm system can help bring down rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft.
  • Credit scores impact insurance rates – Your credit score is a large factor in determining your rates. Therefore, if your credit is lower than you’d like, you could pay less to insure your 1994 Chevrolet S-10 Blazer by repairing your credit. People with excellent credit tend to be more responsible than drivers with poor credit.
  • Big city or small town – Residing in a rural area has it’s advantages when buying insurance. Lower population means fewer accidents and a lower car theft rate. City drivers tend to have congested traffic and much longer commute distances. Longer commute distances can result in more accidents.

Don’t pay full price with these discounts

Car insurance can cost a lot, buy you may qualify for discounts that can drop the cost substantially. Some trigger automatically at quote time, but lesser-known reductions have to be asked for prior to getting the savings. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Multiple Policy Discount – If you have multiple policies with the same company you may save up to 20% off your total premium.
  • Driver Safety – Successfully completing a driver safety course can save you 5% or more depending on where you live.
  • Anti-theft System – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Discount for Life Insurance – Companies who offer life insurance give a break if you buy auto and life insurance together.
  • Club Memberships – Being a member of a qualifying organization is a good way to get lower rates on your policy for S-10 Blazer insurance.
  • Lower Rates for Military – Having a deployed family member could mean lower rates.

Drivers should understand that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, it just doesn’t work that way. But all discounts will help reduce the amount you have to pay.

For a list of insurers offering car insurance discounts, click here to view.

Your personal situation dictates your coverage

When it comes to choosing proper insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that may help you determine whether you might need professional guidance.

  • Am I covered if I wreck a rental car?
  • At what point should I drop full coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Will my rates increase for filing one claim?
  • Do I have any recourse if my insurance company denies a claim?
  • What can I do if my company won’t pay a claim?
  • Why am I required to buy high-risk coverage?
  • How do I file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Car insurance coverage information

Understanding the coverages of car insurance helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages found on most car insurance policies.

Collision coverage – This coverage covers damage to your S-10 Blazer caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like driving through your garage door, colliding with another moving vehicle and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Auto liability insurance – This can cover damage that occurs to a person or their property in an accident. This coverage protects you from claims by other people, and doesn’t cover 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. You commonly see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like court costs, funeral expenses, medical services, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries 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. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a deer, hail damage, a tree branch falling on your vehicle, a broken windshield and rock chips in glass. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for bills such as funeral costs, ambulance fees, X-ray expenses, pain medications and nursing services. They can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

In conclusion

Discount 1994 Chevy S-10 Blazer insurance is definitely available both online as well as from independent agents, so compare prices from both to get a complete price analysis. A few companies don’t offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

As you shop your coverage around, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The ultimate goal is to find the BEST coverage at a price you can afford.

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