How Much Does 1993 Chevrolet S-10 Blazer Car Insurance Cost?

Searching for low-cost insurance for a new or used Chevy S-10 Blazer can be an all-consuming task, but you can use our insurance buying tips to find lower rates. There is a better way to buy insurance so we’re going to tell you the quickest way to compare rates for your Chevy and locate the best price possible from local insurance agents and online providers.

You should take the time to price shop coverage before your next renewal due to the fact that insurance rates trend upward over time. Even if you got the best rate for S-10 Blazer coverage a couple years back you will most likely find a better price today. Block out anything you think you know about insurance because you’re about to find out how to use online quotes to eliminate unnecessary coverages and save money.

How to compare auto insurance price quotes

Getting cheap 1993 Chevy S-10 Blazer auto insurance pricing can be quick and easy. Just spend a little time comparing rates provided by online insurance companies. Insurance prices can be quoted by following the guidelines below.

1. If you’re in a hurry, the quickest way to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This form saves time by eliminating multiple quote forms for every company. Completing one form compares rates from multiple companies. It’s definitely the quickest method.
2. A different way to find better pricing requires a visit to each company’s website and fill out a new quote form. For sake of this example, let’s assume you want to see prices from Nationwide, Liberty Mutual and Progressive. You would be required to take the time to go to each site to enter the same coverage data repeatedly, which is why the first method is quicker.

   To view a list of companies in your area, click here.

3. The final method to price shop rates is actually driving to and from local insurance agencies. The internet eliminates the middleman unless you have a complicated situation and need the extra assistance that only an agent can give. Some companies do allow you to comparison shop your insurance online and get advice from an agent in your area.

Which method you use is up to you, but be sure you’re using equivalent information for every company. If you use different coverage information you will not be able to determine the lowest rate for your Chevy S-10 Blazer.

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Do you qualify for discount insurance?

Auto insurance companies do not list every discount very well, so here is a list both well-publicized and the more hidden discounts that you may qualify for.

• Paperwork-free – Many insurance companies will give you a small discount shop auto insurance over the internet.
• Low Miles Discount – Low annual miles can earn substantially lower premium rates.
• Passive Restraints and Air Bags – Options like air bags or automatic seat belts may get savings of 20% or more.
• Discount for Multiple Policies – If you combine your auto and home policies with the same company you could get a discount of up to 20% and get you inexpensive auto insurance.
• Student Discounts – This discount can save 20 to 25%. Most companies allow this discount until age 25.
• Lower Rates for Military – Being deployed in the military may qualify for rate reductions.

Discounts lower rates, but most discounts do not apply the the whole policy. Most only apply to specific coverage prices like comprehensive or collision. Just because you may think adding up those discounts means a free policy, insurance companies aren’t that generous.

Companies and a summarized list of policyholder discounts are outlined below.

• State Farm includes discounts for anti-theft, good driver, multiple autos, accident-free, good student, and multiple policy.
• Progressive offers discounts including homeowner, online quote discount, good student, continuous coverage, online signing, multi-vehicle, and multi-policy.
• Travelers discounts include continuous insurance, multi-policy, IntelliDrive, save driver, multi-car, and new car.
• American Family has savings for good student, early bird, TimeAway discount, good driver, and defensive driver.
• Liberty Mutual policyholders can earn discounts including good student, newly married, new vehicle discount, newly retired, multi-policy, and new move discount.

If you need the cheapest auto insurance quotes, ask all companies you are considering to give you their best rates. A few discounts might not be available to policyholders in your area.

What insurance coverages do I need?

When choosing coverage for your vehicles, there really is no “perfect” insurance plan. Every situation is different.

These are some specific questions may help highlight whether or not you will benefit from professional help.

• Does car insurance cover theft of personal property?
• Should I buy full coverage?
• Will I be non-renewed for getting a DUI or other conviction?
• Why does it cost so much to insure a teen driver?
• Is my vehicle covered by my employer’s policy when using it for work?
• Can I afford to buy a different vehicle if my 1993 Chevy S-10 Blazer is totaled?
• What vehicles should carry emergency assistance coverage?
• Is a blown tire covered by insurance?
• Do I have coverage when making deliveries for my home business?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Why you might pay higher rates

One of the most helpful ways to save on auto insurance is to to have a grasp of the different types of things that help determine your premiums. If you have some idea of what controls the rates you pay, this allows you to make educated decisions that will entitle you to lower auto insurance prices.

• Are females or males drivers cheaper? – Over time, data shows that men are more aggressive behind the wheel. This data doesn’t prove that women are better drivers. They both tend to get into auto accidents at about the same rate, but the males cause more damage and cost insurance companies more money. Men also tend to get more serious tickets like driving under the influence (DUI). Young males are several times more likely to be in an accident so it costs more to insure them.
• Youthful drivers cost more – Mature drivers are more cautious drivers, tend to cause fewer accidents and are safer drivers.Inexperience drivers have been known to get distracted easily when driving with friends therefore auto insurance rates are much higher.
• Less chance of injury means lower prices – Vehicles that have high safety ratings tend to be cheaper to insure. Safe vehicles reduce injuries and reduced instances of injuries means less money paid by your insurance company and cheaper rates on your policy. If your Chevy S-10 Blazer has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
• Tickets drive up costs – Having a clean driving record impacts premiums far more than you think. Having a single ticket can boost insurance rates to the point where it’s not affordable. Attentive drivers receive lower rates as compared to careless drivers. Drivers who get license-revoking tickets like DUI or willful reckless driving may need to submit a SR-22 form with their state’s department of motor vehicles in order to legally drive a vehicle.
• Car insurance liability protection limits – Liability coverage kicks in if you are found liable for physical damage or personal injury to other. Your policy’s liability insurance provides for a legal defense starting from day one. It is affordable coverage compared to physical damage coverage, so drivers should carry high limits.

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Insurance coverage advertising gotchas

Consumers can’t ignore all the ads that claim the lowest car insurance rates by Progressive, Allstate and Geico. They all seem to state the claim about saving some big amount just by moving your coverage.

How does every company claim to save you money? Here is the trick they use.

All companies have underwriting criteria for the type of insured they prefer to insure. An example of a profitable insured should be a mature driver, has no claims, and insures a new vehicle. A customer getting a price quote who meets those qualifications will probably get cheap premium rates and most likely will save a lot if they switch.

Drivers who cannot meet these stringent criteria will probably be forced to pay higher premium rates which leads to business going elsewhere. The trick is to say “drivers who switch” but not “everyone who gets a quote” will save that much if they switch. That’s why companies can truthfully advertise the way they do. This emphasizes why you should get price quotes at each policy renewal. It’s not possible to predict which insurance companies will have the lowest rates for your situation.

Coverages available on your policy

Learning about specific coverages of auto insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive protection

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as falling objects, rock chips in glass, vandalism, theft and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability

This provides protection from damages or injuries you inflict on other people or property that is your fault. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things like repair costs for stationary objects, medical expenses, bail bonds, attorney fees and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 1993 Chevy S-10 Blazer.

Due to the fact that many drivers 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 very important.

Medical expense coverage

Med pay and PIP coverage provide coverage for short-term medical expenses such as doctor visits, ambulance fees, pain medications and X-ray expenses. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision coverage protection

Collision coverage pays for damage to your S-10 Blazer resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like hitting a parking meter, colliding with a tree, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

In any little way, save everyday

People who switch companies do it for a variety of reasons including extreme rates for teen drivers, high prices, unfair underwriting practices and even questionable increases in premium. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.

Some insurance companies do not provide the ability to get quotes online and most of the time these small, regional companies only sell coverage through local independent agents. Cheap 1993 Chevy S-10 Blazer insurance can be found from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to have the best selection.

As you prepare to switch companies, do not reduce needed coverages to save money. In many cases, someone dropped full coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy a smart amount of coverage for the lowest price but still have enough coverage for asset protection.

Additional information is located on the following sites:

• Choosing an Insurance Company (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Bodily Injury Coverage (Liberty Mutual)
• How to Avoid Staged Accidents (State Farm)

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