View 2001 Chevrolet S-10 Blazer Insurance Quotes

Are you a victim of an overpriced auto insurance policy? Trust us when we tell you there are many people just like you. Big-name insurance companies like Allstate and Progressive promote their brand names with fancy advertisements and it can be hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

Don’t overlook these discounts

Auto insurance companies don’t necessarily list all their discounts in an easy-to-find place, so we break down some of the best known and also the lesser-known ways to save on auto insurance. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Air Bag Discount – Cars that have air bags may earn rate discounts up to 30%.
  • Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less on S-10 Blazer insurance than their less cautious counterparts.
  • Anti-theft System – Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Discount for Life Insurance – Companies who offer life insurance give a break if you buy life insurance.
  • Auto/Home Discount – If you insure your home and vehicles with one company you will save up to 20% off your total premium.

Keep in mind that many deductions do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like all those discounts means the company will pay you, auto insurance companies aren’t that generous.

To see a list of insurance companies with discount auto insurance rates, click this link.

Where Can I Get Cheap Insurance Coverage?

Finding a better price on insurance coverage can be relatively painless. Drivers just need to invest a little time comparing rates provided by online insurance companies. This is very easy and can be done in a couple of different ways.

  • Probably the best way to get the best comparison quotes is an all-inclusive rate comparison click to view form in new window. This type of form saves time by eliminating multiple quote forms for each company you want a rate for. A single form compares rates from multiple low-cost companies.
  • A harder way to get comparison quotes is to manually visit the website for every company you want to comare to request a price quote. For example, let’s assume you want to compare Progressive, Esurance and American Family. To find out each rate you need to take the time to go to each site to input your insurance information, which is why the first method is quicker.

    For a list of links to companies insuring cars in your area, click here.

  • The most time-consuming way of comparing rate quotes is to waste gas driving to local insurance agencies. Shopping for insurance coverage online has reduced the need for local agents unless you have a need for the professional advice that only a license agent can provide. It is possible to find lower rates online and still use a local agent. We’ll cover that shortly.

Whichever method you choose, make absolute certain that you use apples-to-apples coverage limits and deductibles with every price quote. If you have different liability limits then you won’t be able to decipher which rate is best.

Factors that can influence insurance rates for a Chevy S-10 Blazer

Smart consumers have a good feel for the different types of things that help determine the price you pay for insurance. When you know what positively or negatively influences your rates helps enable you to make changes that can help you get big savings.

The following are a few of the “ingredients” that factor into your rates.

  • Allowing your policy to lapse raises rates – Not having insurance is a misdemeanor and you will pay a penalty because you let your insurance lapse. And not only will insurance be more expensive, getting caught without coverage might get you a hefty fine and possibly a revoked license.You may have to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Keep rates low by being claim-free – If you tend to file frequent claims, you can expect higher rates. Companies give cheaper rates to people who file claims infrequently. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
  • How’s your driving record? – Your driving citation history has a big impact on rates. Drivers with clean records get better rates than their less careful counterparts. Even one speeding ticket may increase your cost by twenty percent. Drivers who have dangerous citations such as hit and run, DWI or reckless driving convictions may need to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • Where you live can impact rates – Living in a small town has it’s advantages when talking about insurance. Fewer people translates into fewer accidents as well as less vandalism and auto theft. Urban drivers have congested traffic and longer commute times. More time commuting means higher likelihood of an accident.
  • How your age affects price – More mature drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers. Teen drivers tend to be careless and easily distracted when driving and because of this, their insurance rates are much higher.
  • Safer cars are cheaper to insure – Vehicles with high crash test scores are cheaper to insure. Safe vehicles protect occupants better and lower injury rates means lower claim amounts and thus lower rates. If your Chevy scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.

Is my situation unique?

When it comes to buying coverage, there really is no one size fits all plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions could help you determine whether or not you would benefit from professional advice.

  • How much liability insurance is required?
  • Is a blown tire covered by insurance?
  • Am I getting all the discounts available?
  • When should I drop full coverage on my 2001 Chevy S-10 Blazer?
  • How high should my uninsured/underinsured coverage be in my state?
  • Are rock chip repairs covered?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I need replacement cost coverage on my 2001 Chevy S-10 Blazer?
  • I don’t drive much so do I pay less?
  • Does my insurance cover a custom paint job?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Information about specific coverages

Understanding the coverages of a auto insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages available from auto insurance companies.

Collision coverage

Collision insurance pays for damage to your S-10 Blazer resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as colliding with a tree, crashing into a ditch and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive auto insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, vandalism, a broken windshield, damage from flooding and damage from getting keyed. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Chevy S-10 Blazer.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Auto liability insurance

This protects you from damage or injury you incur to people or other property. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like legal defense fees, medical expenses, bail bonds, emergency aid and repair costs for stationary objects. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like EMT expenses, doctor visits, pain medications and hospital visits. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Summing up your car insurance search

In this article, we covered a lot of information how to get a better price on 2001 Chevy S-10 Blazer insurance. The key concept to understand is the more price quotes you have, the better your comparison will be. Consumers could even find that the most savings is with some of the lesser-known companies. Some small companies may cover specific market segments cheaper compared to the large companies like Allstate, GEICO and Progressive.

When you buy insurance online, never buy less coverage just to save a little money. Too many times, drivers have reduced liability limits or collision coverage to discover at claim time that it was a big mistake. The proper strategy is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

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